What's the difference between Third Party Only and Third Party Fire and Theft?
Third Party Only insurance covers your liability for damage caused by the car to other people's property for up to S$5,000,000. It doesn’t cover damage to your car.
In addition to what is covered for Third Party Only insurance, our Third Party Fire and Theft policy will also cover your car if it is stolen or catches fire.
What we cover
|Cover||Third Party Only||Third Party Fire and Theft|
|Injury or death to someone else||Unlimited cover||Unlimited cover|
|Damage to other people’s property||S$5,000,000||S$5,000,000|
|Legal costs against criminal charges||S$3,000||S$3,000|
|Loss or damage to your car by fire or theft||up to market value of your car|
|Towing after an accident||S$500 for overseas tow and
S$200 for local tow
(only for fire to or theft of your car)
Additional Optional Covers for Third Party Only Policies
You can add more protection to your Third Party insurance policy with our Optional Covers. Tailor your policy to suit your lifestyle at a price you can afford.
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.
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.Additional Windscreen Cover
We will cover you for up to two claims on your windscreen or windows per policy period.
Additional Optional Covers for Third Party Fire and Theft Policies
In addition to the above, choosing our Third Party Fire and Theft policy gives you more Optional Covers to choose from.
You can add on:
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.
If your car is stolen or damaged due to fire, our transport allowance benefit will pay out S$50 per day for up to 10 days per accident (maximum 20 days per policy term).
Opt to have your car repaired at a workshop of your choice if your car is damaged by fire or if your car is found damaged after being stolen.
Modifications and Accessories
We may choose to repair, replace or pay for parts of your car which have been stolen or damaged due to fire, provided they are LTA compliant and have been declared to us and accepted by us.
Want more protection?
Here’s a breakdown of the Optional Covers you can choose depending on the policy you buy.
|Benefit||Comprehensive||Third Party Fire and Theft||Third Party Only|
|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)|
In times of uncertainty, we're here to help. Enjoy 12 months of interest-free instalment premium payments*
for your car, motorcycle or annual travel insurance when you pay with your DBS/POSB Mastercard or Visa Credit Card. Read more.
*For insurance premiums of $200 and above per policy.