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*Based on a study conducted by Budget Direct Insurance. Any savings will depend on key factors, including your car and how it's used, driver profiles and insurance history.
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Budget Direct Insurance gives you great cover and personalised service at an affordable price. Learn more about our philosophy of delivering quality insurance at cheaper prices.
Driver Plans
Choose between two Driver Plans to make sure you’re paying only for what you need.
- Authorised Driver Plan. Main Driver and anyone else you authorise. No need to name them on your policy unless they are your household members.
- Named Driver Plan. Main Driver and anyone else who is named on the policy.
Vehicle Usage
We ask details about how you use your car so that you pay only for what you need. You have 3 options to choose from.
- Private and Commuting Use
- Private and Occasional Business Use
- Private and Business Use
Make an even bigger saving if you drive an Off-Peak Car.
Comprehensive
Highest level of cover for greatest peace of mind. Covers your liability for damage or injury/death caused to others and their property. Covers loss of or damage to your car by fire, natural disasters, vandals, theft or accident.
Optional Covers - Benefits you can add on:
- Personal Accident
- Medical Expenses
- NCD Protector
- Overseas Emergency Allowance
- 24 Hours Roadside Assistance
- Transport Allowance
- Modifications and Accessories
- Any Workshop
- Singapore Only
- Windscreen Add-on
Third Party Fire and Theft
An “in-between” plan. In addition to the Third Party Only cover, covers loss of or damage to your car by fire or theft.
Optional Covers - Benefits you can add on:
- Personal Accident
- Medical Expenses
- NCD Protector
- Overseas Emergency Allowance
- 24 Hours Roadside Assistance
- Transport Allowance
- Modifications and Accessories
- Any Workshop
- Singapore Only
- Windscreen Add-on
Third Party Only
Basic plan for budget-conscious motorists. Covers your liability for damage or injury/death caused to others and their property. Does not cover any loss of or damage to your car.
Optional Covers - Benefits you can add on:
- Personal Accident
- Medical Expenses
- NCD Protector
- Overseas Emergency Allowance
- 24 Hours Roadside Assistance
- Transport Allowance
- Modifications and Accessories
- Any Workshop
- Singapore Only
- Windscreen Add-on
Please remember to always refer to our Car Insurance Policy Document for full details
Windscreen Claim Form
Private Settlement Form
Product Disclosure Document
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Car Insurance FAQs
What types of cover can I choose from?
We have three types of car insurance policies to choose from.
Third Party Only is the most basic car insurance plan and covers your legal responsibility for damage to other people’s property or bodily injury or death to other people caused by an accident involving your car. It doesn’t cover damage to your own car.
Third Party Fire and Theft covers the same as Third Party Only plus loss or damage to your car if it is stolen or catches fire.
Comprehensive covers the same as Third Party Fire and Theft plus any damage to your car up to its market value.
Can anyone drive my car?
We have two Driver Plans for you to choose from. Below the definitions of the plans are applicable excess amounts which may apply.
Authorised Driver PlanThis plan covers:
- The Policyholder
- The person who uses your car most frequently (i.e. the Main Driver), if not the Policyholder, and
- Anyone else you allow to drive your car.
However, if you allow someone who lives with the Main Driver (i.e. a Household Member) to drive your car, you have to name them on your policy in order for them to be covered.
IMPORTANT: A Household Member who is not named as a Named Driver under the Authorised Driver Plan will not be covered under your policy.
Named Driver PlanThis 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.
IMPORTANT: The Policyholder must also be listed either as a Named Driver or the Main Driver under the Named Driver Plan in order to be covered under your car insurance policy.
|
Type of Excess |
On Each and Every Claim** |
|---|---|
| Policy Excess | S$600 |
| Additional Excess | |
| Named Driver below 25 years old | S$500 |
| Named Driver with less than 2 years' valid driving licence | S$500 |
|
Unnamed Driver 25 years old and above |
S$500 |
|
Unnamed Driver with 2 or more years' valid driving licence |
S$500 |
|
Unnamed Driver below 25 years old |
S$1,500 |
|
Unnamed Driver with less than 2 years' valid driving licence |
S$1,500 |
** before any applicable GST
Calculation of the total Excess payable on claims
The total Excess you
have to contribute towards a claim is the aggregate of the Policy Excess and any Additional
Excess(es) which apply.
Example
If a claim involves an Unnamed Driver who was 24 years old and
was holding a valid driving licence for less than 2 years, the total Excess payable would be
S$3,600.00 computed as follows:
| Policy Excess | S$600 |
|
Unnamed Driver below 25 years old |
S$1,500 |
|
Unnamed Driver with less than 2 years' valid driving licence |
S$1,500 |
| Total | S$3,600 |
Do I have to tell you if I drive to work in my
car?
Yes, when you go through our 'get a quote' process, we will ask you how you use your car. Here are the definitions of vehicle usage:
Private and Commuting Use is use of your car for social, domestic and pleasure purposes, and for travelling between home and a regular place of work only.
Private and Occasional Business Use is "Private and Commuting Use" above, plus use for occasional business purposes by the Main Driver or any Named Driver only. "Occasional Business" means your car is not registered for business use, and the use of your car is not an essential part of earning income for a business.
Private and Business Use is "Private and Commuting Use" above, plus use for the business and/or occupation by the Main Driver or any Named Driver only.
We allow:
- Private car-pooling provided that no profit is made from such use.
- Carrying of goods or samples which are not for sale or payment.
We do not allow:
- Carrying of passengers or delivery of goods for payment.
- Driving tuition or test (whether paid or not).
- Hire to other people.
- Any other purposes which we have not agreed to in writing.
Do I have to pay my car insurance premiums in one
lump sum or can I pay in instalments?
You can choose to pay in one lump sum, or if your premium is above S$200 then you can pay in instalments by using your DBS/POSB MasterCard or Visa credit card. Just select your preferred payment method before you pay online or over the phone with us. Choose to enjoy a 3% discount on your premium when you make a single premium payment, or simply pay your premium in 12 interest-free monthly instalments. The choice is yours.
Will there be a replacement car/ loss of use/
transport allowance when my car is undergoing repair?
There will be no replacement car. If you purchased our Transport Allowance optional cover we will pay you S$50 per day, capped at a maximum of 10 days per accident and subject to a total of 20 days per policy year. This optional cover includes an additional allowance of S$50 to "get you home" after an accident.
This Transport Allowance optional cover is only available for Comprehensive Car Insurance and Third Party Fire and Theft Insurance policy types.
How does your No Claims Discount Protector
work?
You can choose to protect your NCD under this Optional Cover. Refer to the table below for more details. This Optional Cover is only available to you if your NCD is 30% or more.
|
No. of claims made during Policy Term* |
NCD at commencement of Policy Term is 30% |
NCD at commencement of Policy Term is 40% |
NCD at commencement of Policy Term is 50% |
|---|---|---|---|
| One | 30% | 40% | 50% |
| Two | 0% | 10% | 20% |
| Three or more | 0% | 0% | 0% |
* Includes cases where an incident occurs during the Policy Term but the claim is made after
the Policy Term has expired.
Car Insurance Knowledge Base
Get quick and easy answers to your questions about motoring and insurance.
