Car Insurance Claims and Excesses FAQs

If I have not purchased the "Any Workshop" optional cover and don’t intend to make an Own Damage claim, can I visit any workshop of my choice for accident reporting?

No, if you have not purchased the “Any Workshop” optional cover, you can only report your accident at our Authorised Workshops.

No. Damage to your car’s sun roof will be regarded as damage to your car (body), and not windscreen. As such, you will need to make a claim for own damage to your car against your policy. In making such a claim, your policy excess will apply and your NCD may be affected.

After reporting the accident at our Authorised Workshop/ Accident Reporting Centre, our Authorised Workshop is able to assist you to make a claim, or you may proceed to any workshop of your choice to file a third party claim.

You are required to lodge a police report at, or near the place of accident. If you are not liable for the accident, you may choose to either claim under your own policy and we will recover all amounts paid from the insurer of that vehicle or you may proceed to any workshop of your choice to file a third party claim.

If you have a Comprehensive Car Insurance policy with us, we may pay you the market value or replace your car at the time of loss (as determined by us). Upon replacement or payment, your policy will no longer be in force and there will not be any premium refund.

If you have a Third Party Fire and Theft Insurance policy with us, we will only pay you the market value of your car at the time of loss (as determined by us) in the event your car is deemed total loss due to damage by fire or is stolen. There will not be any coverage on your car if it is due to an accident.

If you have a Third Party Only Insurance policy, there will not be any cover on your car.

Do I have to pay excess when I make a claim on my car insurance?

Excess is the amount that you have to pay towards your claim. At Budget Direct Insurance our standard policy excess for cars is $600. You can choose to reduce or increase this amount depending on your claim experience and budget.

For car you can reduce your excess right down to zero. This will increase your premium but means you pay less excess if you have to make a claim. You can also increase your excess up to $1,500 - which means you pay less premium.

Types of Excess

The table below shows the types of Excess that will apply when you make a claim

Type of Excess

On Each and Every Claim**

Policy Excess S$600
Additional Excess
- Windscreen Excess S$100
- 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$1500
- Unnamed Driver with less than 2 years’ valid driving licence S$1500

** before any applicable GST

Example

If a claim involves an Unnamed Driver who is 24 years old and has held a valid driving licence for less than 2 years, the total Excess payable would be S$3,600. This amount is 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

Policy Excess waived

You do not have to pay any Policy Excess towards a claim arising from an accident involving another identified vehicle registered in Singapore, that was wholly not your fault based on our assessment.

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