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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.

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 Plan

This 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 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.

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

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.

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.

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.

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.