InsureDrive

Yes you can, as long as your car is legally registered in Singapore.

A 5% safe driver discount is accorded if you do not have any demerit points and your NCD is 30% and above. You can check on your number of demerit points here.

We will verify with your previous insurer and adjust the NCD accordingly. If you declare a higher NCD, you will need to pay the difference in premiums. If you declare a lower NCD, you will be refunded the difference in premiums.

Yes, InsureDrive does provide motor insurance cover for certain electric vehicle models. However, InsureDrive does not cover any claim arising from the use of autonomous driving system. Please refer to the Policy Wording for more information of the coverage.

You are covered in Singapore, Peninsular Malaysia (including Penang and other Malaysian islands offshore of Peninsular Malaysia), southern Thailand (within 80km of the border of Malaysia) and when in transit by sea between any of these areas.

The three types of car insurance offer different levels of coverage:

• A Comprehensive plan covers legal liability to third parties (both bodily injury and property damage), as well as damage to your own car caused by accidental collisions, fire, theft, floods or other natural disasters.
• A Third-Party, Fire and Theft plan covers legal liability to third parties (both bodily injury and property damage), as well as damage to your own car as a result of fire or theft only.
• A Third-Party plan covers legal liability to third parties (both bodily injury and property damage) only.

For Preferred Plan, you may send your car to any workshop of your choice for repairs. For Essential Plan, you must send your car to one of UOI’s authorised workshops for repairs.

If you are concerned about the warranty being voided if you have your car repaired at a non-dealer workshop, we recommend that you take up the Preferred Plan.

Yes you can. Please contact UOI at 6222 7733 to obtain a quote.

Yes, you will be covered if the windscreen is cracked, chipped or broken. An excess of S$100 is applicable for each windscreen replacement. In the event of solar film replacement, an excess of S$500 applies.

By having named driver(s) in your InsureDrive policy, your named driver(s) will enjoy the same lower excess as you. However, for young driver(s) below the age of 25 years old and/or with less than 3 years of driving experience, the excess of S$3,000 will be applicable even if he/she is stated as a Named Driver in the Policy.

Yes, you may select your preferred excess amount with our comprehensive plan.

Here’s what you need to do:

• Do not panic.
• Exchange particulars with all involved parties including name, NRIC/FIN (or other Identity Card or passport details where applicable), telephone number, address, insurer and car license plate number(s).
• Take photos of all the cars involved, including all license plate(s), the accident location and its surroundings and the car(s) in its/their stationary position before moving it/them.
• Do not admit liability or make any offers to a Third Party.
• You may call UOI 24-hour Emergency hotline at 6222 7737 for assistance.
• You are to make an Accident Report within 24 hours or by the next working day at one of UOI’s approved Accident Reporting Centres.

Here's what you need to do:

• Do not panic.
• Exchange particulars with all involved parties including name, NRIC/FIN (or other Identity Card or passport details where applicable), telephone number, address, insurer and car license plate number(s).
• Take photos of all the cars involved, including all license plate(s), the accident location and its surroundings and the car(s) in its/their stationary position before moving it/them.
• Call the local police if there is an injured party (999 for Malaysia/191 for Thailand) and make a police report in the country where the accident occurred.
• You may call UOI 24-hour Emergency hotline at 6222 7737 for assistance.
• Upon returning to Singapore, report the accident at one of UOI’s approved Accident Reporting Centres, regardless whether your car was damaged or not, within 24 hours or the next working day.

For accidents in Singapore, a police report is only required for accidents involving an injury, hit-and-run accidents or those involving government cars or property, foreign cars, pedestrians or cyclists. If the accident happens in Malaysia or Thailand, you will need to file a police report in Malaysia or Thailand.

Under the Motor Claims Framework (MCF), for any accident regardless of how minor, a GIA Report should be lodged at any of our approved Accident Reporting Centres within 24 hours or by the next working day. If no claim is submitted against your policy, your report will not affect your policy/NCD. The accident report is important as it will provide the necessary information in order for us to handle any claims made against your policy due to the accident. For more information about the Motor Claims Framework (MCF), you may refer to http://www.gia.org.sg.

If you fail to make a report, your NCD will be affected upon renewal of your car insurance, and the details of the accident may be prejudiced against your claim.

Please see the table below.

You will need to liaise with your previous insurer to update the records. Please inform us once this is done.

No, windscreen damage will not affect your NCD.

If your NCD is at 50%, your policy will include our NCD Protector benefit at no additional charge. This benefit protects your 50% NCD entitlement in the event of a first claim if you renew your policy with us.

You can call UOI at 6222 7733 or email to ser_dev@uoi.com.sg to arrange for your policy to be cancelled

If you cancel your policy before the effective date of your car insurance policy, you will be charged an administrative fee of S$50 (subject to prevailing GST rate).

If you cancel your policy after the effective date of your car insurance policy, we will refund you the premium based on the formula below, less an administration fee of S$50 (subject to prevailing GST rate).

Premium Refund = 80% of the Premium Paid x Unused Period of Insurance (days) / Original Period of Insurance (days)

You will not be entitled to a cancellation refund if a claim (including windscreen claim) was made under your car insurance policy.

You should receive your refund within twenty-one (21) working days. For insurance premium payment via credit card, we will credit the refund to the same credit card account. For any other premium payment method, we will send you a cheque.