Customising Your Car Insurance for Optimal Protection

At Budget Direct Insurance, we understand that every driver's needs are unique. A one-size-fits-all approach to car insurance may not suit everyone, which is why we offer a range of optional covers that allow you to customise your policy. Gone are the days of paying for unnecessary bundled plans – with us, you pay only for what you need. In this comprehensive guide, we will explore the benefits of customising your car insurance and how it can provide you with optimal protection.

Benefits of our Customised Plans

24 Hours Roadside Assistance: Imagine being stranded on a deserted road in the middle of the night due to a car breakdown. It's a situation no one wants to experience. With Budget Direct Insurance's 24 Hours Roadside Assistance, you can add this optional cover to your policy for a nominal fee. We'll be there for you 24/7 in case of emergencies like flat tyres, flat batteries, running out of petrol, or losing your keys. Whether you're in the heart of the city or off the beaten track, our reliable assistance ensures you're never left helpless.

Overseas Emergency Assistance: If you're planning a road trip to neighbouring countries like Malaysia or Thailand, you'll want the added assurance of overseas emergency assistance. Opting for this extra cover provides peace of mind during your travels. In the event of an accident, we'll get you back home safely by covering up to S$1,000 for towing. And up to S$200 per person for returning home costs if your car is immobilised or lost for 6 hours or more following an accident, breakdown or theft outside Singapore but still within the covered geographical limit. You'll also get up to $100 for emergency phone calls, and S$25,000 per person for medical evacuation in case of serious injuries.

No Claim Discount (NCD) Protection: Safe driving should be rewarded, and that's exactly what our NCD Protector offers. As a safe driver with an NCD of 30% or more, you can make one claim a year without affecting your No Claim Discount. This means that even if you need to make a claim, your hard-earned discount remains intact. Please note, this benefit is not available with our Higher Risk Car Insurance.

Personal Accident Coverage: Safety should always be a top priority when it comes to car insurance. Our Personal Accident coverage offers peace of mind for you and your loved ones. In the unfortunate event of an accident involving your car, we'll provide coverage of up to S$100,000 for injuries or fatality sustained by drivers insured under your policy. You can choose the amount of cover you desire, ranging from S$20,000, S$50,000, to S$100,000.

Medical Expenses: An accident can lead to unforeseen medical expenses for you and your passengers. With Budget Direct Insurance, your medical expenses following a car accident will be covered up to S$500 per person per accident, ensuring that you receive the necessary care without financial strain.

And Much More: Our commitment to offering custom-fit insurance means we provide various optional extras to meet the needs of every driver. From Windscreen Add-on to Transport Allowance, Modifications and Accessories coverage to Singapore Only discounts, you can tailor your car insurance precisely as you desire.

Saving Opportunities

Go Paperless: Opting for paperless communication not only helps the environment but also rewards you with a S$20 discount on your premium. All your documents will be sent via email, and you can easily retrieve them from the Policy Manager at your convenience.

Singapore Only Cover: If you primarily drive your car within Singapore's borders, we offer a discount on your insurance premium. This smart option is ideal for drivers who don't venture overseas frequently.

Off-Peak Car Discount: Drive an Off-Peak Car (OPC) and receive an additional 15% off your car insurance. Off-Peak Cars offer restricted usage during specific hours and days, which translates to more savings on your insurance premium.

Adjusting Policy Excess: Customise your policy excess amount depending on your claim experience and budget. Budget Direct Insurance offers options ranging from zero excess, which increases your premium slightly but means you pay less if you make a claim, to higher excess amounts of up to S$3,000 (before prevailing GST).

To find out more about the Optional Covers you can choose, go to
https://www.budgetdirect.com.sg/car-insurance/optional-covers

Customise Your Driver Plan and Vehicle Usage

At Budget Direct Insurance, we recognise that every car is used differently, and every driver has unique needs. That's why we take the time to understand your driving habits and usage patterns to provide you with the most accurate premium quotation.

When customising your policy, consider the following Driver Plan and Vehicle Usage options:

1. Authorised Driver Plan: This plan covers the Policyholder, the person who uses your car most frequently (i.e. the Main Driver), and anyone else you allow to drive your car. However, if someone who lives with the Main Driver (i.e. a Household Member) drives your car, you must name them on your policy for coverage.
2. Named Driver Plan: This plan covers ONLY the person who uses your car most frequently (i.e. the Main Driver) and persons you include on your policy as Named Drivers. To be covered under this plan, the Policyholder must also be listed either as a Named Driver or the Main Driver.

It's essential to accurately disclose who drives your car most frequently, as this information plays a crucial role in the claims assessment process

The more you use your car, especially during the day, the greater the chance of something happening to it. Understanding how often your car is being used is essential to provide you with the right level of coverage. When obtaining a quote, Budget Direct Insurance will inquire about your vehicle usage to calculate the most appropriate premium for your situation

1. Private and Commuting Use: This category covers the use of your car for social, domestic, and pleasure purposes, as well as for travelling between home and a regular place of work only
2. Private and Occasional Business Use: This includes "Private and Commuting Use" mentioned above, along with occasional use for business purposes by the Main Driver or any Named Driver. "Occasional Business" means your car is not registered for business use, and using your car is not an essential part of earning income for a business.
3. Private and Business Use: This usage category encompasses "Private and Commuting Use" as mentioned above, plus use for the business and/or occupation by the Main Driver or any Named Driver.

As a responsible insurer, Budget Direct Insurance has certain exclusions in place. We do not, for instance, insure your car if it is used for hire or reward, commercial purposes, and/or for delivery of food and goods, or on ride-hailing platforms such as lalamove, Foodpanda, Grab, Grabhitch, Go-Jek, Tada and others.

Customised Plans for all Your Needs

Budget Direct Insurance is committed to providing tailored insurance solutions to meet the unique needs of every driver. With our wide range of optional covers and customisation opportunities, you can enjoy peace of mind and optimal protection on the road without breaking the bank. We prioritise your safety and convenience, and that's why we offer car insurance that fits your lifestyle and budget.

Take the first step towards a personalised and flexible car insurance plan – get your customised quote now and experience the freedom of customising your car insurance with Budget Direct Insurance!

To find out exactly what’s covered and what your options are, check out our Car Insurance Product Disclosure Document.

Get Your Custom Quote Now!