1. Budget Direct Insurance
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  3. Optional Covers

Car Insurance Optional Covers

Choose the cover that suits you and your budget.

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optional covers


Optional Covers

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Bring  A Buddy

Existing Customers: Get up to 10% Off Any Additional Insurance Policy!

Already an existing customer? Get great discounts. Buy one or more additional insurance policies and save up to 10% on your premium.

Enjoy greater protection by adding on these useful Optional Covers

After deciding on the type of car insurance cover you want, you can customise your plan by selecting from a wide range of our Optional Covers.

While other insurers may automatically include covers you may not require and charge you for everything as a bundled plan, we offer these customisable options as add-ons so you pay only for what you need.

What happens if my car breaks down?

You can choose to enhance your plan by getting the added benefit of 24 Hours Roadside Assistance for just a few more dollars. If your car breaks down, gets a flat tyre, flat battery, runs out of petrol or if you lose your keys, we’ll be there for you 24/7.

What happens if my car breaks down in Malaysia or Thailand?

You can also take up extra Overseas Emergency Assistance cover if you drive to Malaysia or Thailand. Or if you are worried about losing your No Claim Discount of 30% and above, you can choose to get the No Claim Discount (NCD) Protector.

At Budget Direct Insurance, we offer different Optional Covers to suit the needs of every driver.

Here are the Optional Covers you can choose with our 3 policies.

Further information around each cover option is provided below.

Benefit Comprehensive Third Party Fire and Theft Third Party Only
Personal Accident
Medical Expenses
No Claim Discount (NCD) Protector
Overseas Emergency Allowance
24 Hours Roadside Assistance
Transport Allowance (for fire or theft claim only)
Modifications and Accessories (for fire or theft claim only)
Any Workshop (for fire or theft claim only)
Singapore Only
Windscreen Add-on Included

This is a summary, please see the Car Insurance Product Disclosure Document for more details.

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Personal Accident
If the driver is injured or killed in an accident involving your car, then we will pay out up to S$100,000. Choose the amount of cover you want from S$20,000, S$50,000 and S$100,000.

Medical Expenses
If you or your passengers need medical attention following your car accident, then we will pay your expenses up to S$500 per person.

No Claim Discount (NCD) Protection
You can make one claim a year without affecting your No Claim Discount. Applies to those who have an NCD of 30% or more.

Overseas Emergency Allowance
Driving overseas to Malaysia or Thailand? We’ll get you home in the event of an accident. We’ll pay up to S$1,000 for towing and S$200 per person plus emergency phone calls up to S$100. If you or your passengers are seriously injured and need to be evacuated we'll pay up to S$25,000 per person.

24 Hours Roadside Assistance
If you don’t want to be stranded by a breakdown, flat tyre, flat battery or anything else, our 24 Hours Roadside Assistance will be there for you.

Transport Allowance
If your car is damaged or lost, our transport allowance benefit will pay out S$50 per day for up to 10 days per accident (maximum 20 days per policy term).

Any Workshop
Opt to have your car repaired at a workshop of your choice.

Modifications and Accessories
We’ll repair or replace damaged or stolen car parts that are LTA compliant, declared to and accepted by us.

Singapore Only
Gives you a discount of 5% if you drive your car in Singapore only.

Windscreen Add-on
We will cover you for up to two claims on your windscreen or windows per policy period.

More ways you can benefit

Cut costs without cutting back on your insurance! Here are ways you can enjoy big savings.

Go Paperless
Your premium will be S$20 (before GST) cheaper if you opt to go paperless. All your documents will be sent via email and you can also retrieve them from the Policy Manager.

Opt for Singapore Only cover
Want cover just for Singapore? You’ll get a discount on your insurance premium. A smart way to cut down your costs.

Off-Peak Car Discount
Reduce your premium if you drive an off-peak car.

Excess is the amount that you have to pay towards your claim. At Budget Direct Insurance our standard policy excess for cars is S$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 S$1,500 - which means you pay less premium.

Authorised Workshop
Save on your premium and have your car repaired at one of our conveniently-located Authorised Workshops. All repairs are guaranteed for 12 months. This is the best value option for all car repairs.