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Private Car Insurance

As a car owner, you know that having a car is an expensive investment. Which is why it’s necessary to protect yourself, your passengers and most importantly, your precious car against huge losses if the unforeseen happens. Look towards our Private Car Insurance so you can drive with better peace of mind.

Feature

  • Free No Claim Discount (NCD) Protector if you are enjoying 30% NCD and above.
  • 5% Offence Free Discount (OFD) will be granted automatically if NCD is 30% and above
  • Loss of Use Benefits up to 14 days (selected plans)
  • Free Personal Accident Cover up to S$20,000 for Policyholder and S$10,000 for named drivers.
  • Free cover for legal liability of passengers.
  • 24-hour Emergency Mobile Accident Response Service (MARS).
  • Enjoy Loyalty Discount on Renewal.
  • Enjoy Discount on multiple cars if you have existing Motor insurance with us.
  • Credit card installment applicable for selected Bank.

Coverage

Coverage Comprehensive Plans
ExcelDrive Prestige ExcelDrive Gold ExcelDrive Focus
1. Motor Workshop for Accident Repairs Any Workshop Only at ExcelDrive Workshops
2. Eligibility by Vehicle Age New to 10 years New to 15 years New to 15 years
3. Legal Liability for
- causing death or injury to third party
- property damage to third party
Application for all plans under Comprehensive Coverage
4. Loss or Damage by Fire and /or Theft
5. Loss or Damage by other insured causes
6. Warranty for Repairs Yes, for repairs at ExcelDrive Workshops
7. Windscreen Coverage Application for all plans under Comprehensive Coverage
8. Windscreen Reinstatement - For Repairs carried out at :
- ExcelDrive Workshops

Automatic and FREE windscreen Reinstatement
- Any workshops Reinstatement can be arranged with payment of additional
premium
Not Applicable
9. Waiver of Standard Excess at ExcelDrive Workshops Up to $1,000 each claim for the first 2 claims per policy per year 50% of standard excess or maximum $600 limited to 1 claim per policy per year
10. Geographical Area Includes Singapore, West Malaysia and that part of Thailand within 80.5 kms of the border between Thailand and West Malaysia
11. Extension Covers
- 24 hour Emergency MARS Application for all plans under Comprehensive Coverage
- Loss of use benefits Up to 14 days Not Applicable
- Free NCD Protector Applicable to NCD of 30% ,40% and 50%

Optional coverage

  • Excess Buy up - to increase your excess that you have to bear with each claim in exchange for premium discount
  • Personal Accident – increase your personal accident sum insured
  • Accessories – cover CNG conversion kit, Hi-Fi Systems, etc

Premium

Premium differs by Type of coverage and Plan selected., the most affordable being the Third Party coverage because of the basic coverage offered. If you are looking for widest range of benefits, check out our Comprehensive ExcelDrive Prestige Plan as it allows for repair to be carried out at your preferred workshop.

You can also enjoy premium saving further by choosing

  • Excess Buy Up option - to increase your excess that you have to bear with each claim in exchange for premium discount.
  • ExcelDrive Workshop – Enjoy premium discount up to 20% and warranty for repair.

Eligibility

  1. Minimum 2 years of driving experience in Singapore
  2. Not more than 1 claim for the past 3 years
  3. Total claims not exceeding more than SGD $30,000 for the past 3 years
  4. Vehicle Age is 15 years or below for Comprehensive, Third Party Fire & Theft and Third Party Cover

Young/Inexperienced/Elderly Drivers Excess

An additional excess (on top of policy excess) as detailed below shall apply for accidental loss or damage whilst driven by:

Named Young and/or Inexperienced Drivers or Elderly Drivers $1,500
Unnamed Young and/or Inexperienced Drivers or Elderly Drivers $3,000
All Other Drivers $500
Where:    'Young Drivers' = drivers (including the Insured) who are below 25 years old.
'Inexperienced Drivers' = drivers (including the Insured) who have less than 2 years of driving experience in Singapore.
'Elderly Drivers' = drivers (including the Insured) who are above 70 years old.

Exclusion

Online Qutation is not available for the following:

  1. Insured has less than 2 years of driving Experiences in Singapore
  2. Insured has more than 1 years claims for the past 3 years
  3. Insured has total claims exceeded more than SGD $30,000 for the past the 3 years
  4. Insured is not driving
  5. Vehicle more than 15 years for Comprensive cover
  6. Vehicle more than 15 years old for third party Fire and theft and Third party cover

Refer to policy wordings for all exclusion

FAQs

Will I enjoy any discount upon renewal?

You will automatically enjoy 5% loyalty discount for renewal.

How do I reduce my renewal premium?

You can increase your buy up excess to reduce your premium.

Can I add in additional driver during policy term?

Yes, additional pro-rated premium may be charged depending on the profile of the driver. You can write in to us with the following details; NRIC, Date of Birth, Gender, Marital Status, Occupation, Driving Experience, Relationship to Policyholder and any claims experience in past 3 years.

Can I transfer my No Claim Discount (NCD) Protection to another insurer?

This is not possible, as NCD Protection is specific to existing insurer and is not transferrable to another insurer.

Important Notice

Statement Pursuant to Section 25(5) of the Insurance Act. You are to disclose on this Proposal Form fully and faithfully all the facts which you know or ought to know, otherwise the policy issued hereunder may be void. The liability of the Company does not commence until this proposal is accepted.

With effect from 1 May 2005, the following clause shall apply.

Payment Before Cover Warranty (1 May 2005)

1. Notwithstanding anything herein contained but subject to clauses 2 and 3 hereof, it is hereby agreed and declared that the total premium due must be paid and actually received in full by the Company (or the intermediary through whom this Policy or Bond was effected) on or before the inception date (the inception date") of the coverage under the Policy, Bond, Renewal Certificate, Cover Note or Endorsement.

2. In the event that the total premium due is not paid and actually received in full by the Company (or the intermediary through whom this Policy or Bond was effected) on or before the inception date referred to above, then the Policy, Bond, Renewal Certificate, Cover Note and Endorsement shall not attach and no benefits whatsoever shall be payable by the Company. Any payment received thereafter shall be of no effect whatsoever as cover never attached on the Policy, Bond, Renewal Certificate, Cover Note and Endorsement.

No Claim Discount Protector

It is agreed that the No Claim Discount (NCD) entitlement in this Policy is protected as follows:

No of claims made or arisen During the Period of Insurance
NCD entitlement on Renewal of the Policy
 Where existing NCD entitlement is 30%  Where existing NCD entitlement is 40%  Where existing NCD entitlement is 50%
 One  30%  40%  50%
 Two  Nil  10%  20%
 Three or more  Nil  Nil  Nil

Note: No Claim Discount Protection
        . Benefit is not applicable to cases involving the loss of NCD as a result of failure to report or late reporting of accidents as set out under the Policy.
        . Applies only when policy is renewed with the Company, and is not transferrable to the next insurer.
        . (Having) Does not mean renewal invitation or renewal terms are guaranteed for the next period of insurance.

The Applicant

Applicant and all named drivers do not suffer from any physical impairment.

The Vehicle

The vehicle is in a sound and roadworthy condition, and has not been modified nor altered to improve performance.
The vehicle will not be driven by any person who to your knowledge does not hold a valid driving license or has been refused insurance.

Insurance History

Applicant and all named drivers have never been declined or has any policy cancelled or renewal refused or subject to special terms.

Additional Excess

An additional excess (on top of the policy excess) as detailed below shall apply for accidental loss or damage whilst driven by:

Named Young and/or Inexperienced Drivers or Elderly Drivers - $1,500
Unnamed Young and/or Inexperienced Drivers or Elderly Drivers - $3,000
Unnamed All Other Drivers - $500

The terms shall be defined as follows:

'Young Drivers' shall be defined as drivers (including the Insured) who are below 25 years old.
'Inexperienced Drivers' shall be defined as drivers (including the Insured) who have less than 2 years of driving experience in Singapore.
'Elderly Drivers' shall be defined as drivers (including the Insured) who are above 70 years old.


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