Paying For Your Car Insurance FAQs
- Types of Car Insurance & Covers
- What types of cover can I choose from?
- Can anyone drive my car?
- How much do you insure my car for?
- Do I have to tell you if I drive to work in my car?
- Who would Budget Direct Insurance not insure?
- Do you cover modified cars?
- Are there any professions, trades or services you don't cover?
- Does your car insurance cover private hire vehicles or if I use my car for Grab, Go-Jek, Ryde or TADA?
- Do I really have to take up your Any Workshop option if my car is still under warranty?
- Are there any cars that Budget Direct Insurance does NOT insure?
- What is car insurance?
- What is customised car insurance?
- Who has the cheapest^ car insurance in Singapore in 2021?
- Insuring your Car
- Can I buy car insurance with Budget Direct Insurance?
- I need to extend my current car insurance with you for a couple of months because the shipment on my new car is delayed. Is extending my insurance with you possible?
- What is an Off Peak Car?
- I bought my insurance from you but was involved in an accident before the policy start date. Why was I informed that my premium with you will increase?
- What documents will I receive when I buy my policy?
- Paying for Car Insurance
- How do I purchase Budget Direct Car Insurance?
- How do I pay for Budget Direct Car Insurance?
- What happens if there is a partial refund of premium payable to me before the end of the policy period (for example, due to change in my NCD entitlement from 20% to 50%)?
- Car Accidents
- What should I do if I have an accident?
- Do I need to report an accident to the police?
- What should I do if I am involved in an accident outside Singapore?
- What is the time frame for me to report an accident and what documents are required for accident reporting?
- Where can I report an accident involving my car?
- Do I need to inform Budget Direct Insurance if I privately settle the accident with the other party?
- What is the timeframe for me to submit my third-party claim against the other party’s insurer if I am not at fault for the accident?
- If someone knocked into me or my car and does not have any valid car insurance policy, what should I do?
- Do I need to lodge an accident report if I am not at fault for the accident and I am not claiming against my own car insurance policy?
- My car broke down. Can I claim against my own car insurance policy?
- What should I do in the event of "Park and Found" or "Hit and Run"?
- Car Theft and Repairs
- What should I do in the event my windscreen is damaged?
- What should I do if my car is stolen?
- Should I accept any assistance from unknown roadside towing services or workshops?
- Can I request for breakdown towing/assistance in the event my car breaks down?
- What should I do if I receive a Letter of Demand/ Writ of Summons?
- Are vehicle repairs at your workshops guaranteed?
- Where can I repair my car after an accident?
- Will there be a replacement car/ loss of use/ transport allowance when my car is undergoing repair?
- Will there be any charges if I repair/ replace my windscreen or window?
- Car Insurance Claims and Excesses
- If I have not purchased the “Any Workshop” optional cover and don’t intend to make an Own Damage claim, can I visit listed agent workshops for reporting?
- If there is damage to my car’s sun roof do I make a claim under my windscreen cover?
- How do I make a claim against the other party’s insurer?
- How do I make a claim against a foreign vehicle?
- How much will I be paid if my car is deemed as "Total Loss" in an accident or if my vehicle is stolen?
- Do I have to pay excess when I make a claim on my car insurance?
- No Claim Discount
- What is a No Claim Discount (NCD)?
- How does your NCD Protector work?
- I have 50% NCD from my current insurer, can it be transferred to the policy I'm about to get from you?
- I have been driving as a Named Driver on someone else’s policy can I get NCD?
- I have a vehicle registered under commercial use and I would like to change it to personal use. Can I transfer my NCD from my commercial vehicle to my private car?
- I am a foreigner living in Singapore and have a 50% NCD from overseas. Can it be transferred to the policy I'm about to get from you?
- What is a Certificate of Merit and how does this work with my NCD?
- Will my NCD be affected if I do not claim against my own car insurance policy and I have done a private settlement with the other party?
- Managing your Car Insurance
- How do I manage my policy?
- How do I renew my road tax?
- What if I need to change my details such as my address?
- Where do I find my car’s details?
- When is the best time to renew my car insurance?
- If I am on the automatic renewal arrangement what do I need to do to renew?
- I am on the automatic renewal arrangement with Budget Direct Insurance but I don’t want to renew what do I need to do?
- I notice that some information is missing in my renewal offer, what should I do about it?
- Can I cancel my policy after purchase?
- I have just sold /scrapped or de-registered off my car (last week/last month/this morning). What should I do to cancel the policy and get back my refund?
How do I purchase Car Insurance?
You can get a quote and buy our car insurance online at budgetdirect.com.sg or call our friendly Customer Care team at 6221 2111. Mondays to Fridays, 9am to 8pm and Saturdays, 9am to 3pm (Closed on Sundays and public holidays).
You can also visit us at 190 Clemenceau Avenue, #03-01, Singapore Shopping Centre, Singapore 239924. We’re open, Mondays to Fridays, 9am to 5pm (Visits by appointment only) (Closed on Saturdays, Sundays and public holidays).
How do I pay for Car Insurance?
You can pay online, over the phone, or visit us in person to pay using cash, credit card or cheque. Please note, PayNow is available for online payments.
Once payment is complete, you'll receive an SMS and your policy documents will be emailed to you.
Please be advised that Instalment Payment Plans (IPP) are currently not available.
What happens if there is a partial refund of premium payable to me before the end of the policy period (for example, due to a change in my NCD entitlement from 20% to 50%)?
We will issue the refund to the original payment method used at the time of purchase.