Our Motor Policies cover all types of vehicles such as Private Cars and Commercial Vehicles (Passenger Vehicles, Goods Vehicles and Motor Trade).

The common covers are

• Third Party Liability Insurance - which covers Personal injury and Property damage of third parties
• Third Party Fire and Theft – which covers besides the above, the peril of fire and theft loss to the insured vehicle
• Comprehensive Insurance - which covers accidental loss or damage to the car and also Third Party Liability.

The Comprehensive Motor Insurance covers

• Accidental Loss or Damage to the insured vehicle
• Personal injury or property damage to Third Parties including Passengers
• Personal Accident benefit to the Insured and the passengers
• Windscreen damage to the insured vehicle for its full value
• Medical Expenses benefit to the Policyholder and the passengers at S$300 each.

No Claim Discount Protection

In consideration of additional premium being charged to the Insured, it is agreed that the 50% No Claim Discount (NCD) entitlement in this policy is protected as follows:-

No. of claims made or arisen                 NCD entitlement on
during the period of insurance               renewal of the policy

     One                                                                        50%
     Two                                                                       20%
     Three or more                                                        Nil

However, if Insured fail to report any accident to the Company within 24 hours, even with this NCD protection, the Company will reduce the Insured's NCD entitlement by 10%.

Having an NCD Protector will not necessarily protect Insured against non-renewal or cancellation of policy.

NCD Protector is not transferrable to another insurer.

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