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Our Driver Plan and Vehicle Usage provide straightforward, no-fuss insurance with built-in flexibility to meet your business needs.
With affordable cover and practical features, this plan makes it easy to protect your drivers and vehicles.
Whether you need coverage for private or business use, you can count on these options to deliver reliable protection tailored to support your operations.
Let’s take a closer look at the benefits included in our Driver Plan and Vehicle Usage, designed to keep your business moving with confidence.
We know business vehicles are often shared among colleagues and employees that’s why we offer you the flexibility to add multiple drivers, so long as they’re named on your policy.
Your policy covers the following drivers if your commercial vehicle is involved in an accident (unless we agree otherwise in writing):
This ensures that only the listed drivers are covered when using your business vehicle, providing a more tailored and cost-effective solution for your Commercial Vehicle Insurance.
IMPORTANT: The Policyholder must also be listed either as a Named Driver or the Main Driver in order to be covered under your policy.
Your vehicle usage includes both private and business use. This covers using your commercial vehicle for personal, social, and recreational purposes, commuting between home and your regular workplace, as well as for the business needs of the policyholder.
This flexibility ensures your vehicle is protected while serving your business needs.
Permitted Uses
You can use your vehicle for the following:
Restricted Uses
You cannot use your vehicle for the following:
Excluded Professions, Trades, and Services: Our policy does not cover certain professions or services, including:
Our Driver Plan allows you to cover multiple drivers under your policy. It includes one Main Driver (the person who uses the vehicle most frequently) and up to 9 Named Drivers who regularly use the vehicle (unless we agree otherwise in writing).
This makes it ideal for businesses where vehicles are shared among employees.
Our Commercial Vehicle Insurance is designed with business owners in mind, providing reliable coverage for a range of industries. Whether you’re running a small business or managing a fleet, we’ve got you covered:
Yes, our Commercial Vehicle Insurance covers both private and business use. This covers social, domestic, and pleasure purposes, as well as travelling between home and a regular place of work. It also covers occupational use by the Main Driver or any Named Driver for the business purposes of the Policyholder, offering flexibility to meet your business needs.
Yes, there are some restricted uses. For example, you cannot use your vehicle for carrying passengers or delivering goods unless it is in connection with your trade or business (which cannot be in relation to despatch or courier services; for example, Grab, lalamove, Foodpanda, Deliveroo and others); to transport passengers outside of the enclosed passenger cabin and without a seatbelt; any purpose in connection with the motor trade; providing driving tuition and test; or hiring out the vehicle. Using your vehicle as a Private Hire Vehicle for ride-hailing services (e.g., Grab or Go-Jek) is also not allowed, along with any other purposes not agreed upon by us in writing.
Yes, you can add multiple drivers to your policy. The plan covers one Main Driver and up to 9 Named Drivers(unless we agree otherwise in writing), providing the flexibility for shared business vehicle use. The Policyholder must be listed as either a Named Driver or the Main Driver to be covered.
Our policy excludes coverage for certain professions and services, including driving instructors requiring business use, professionals in the entertainment industry, professional athletes, members of armed forces, police and other law enforcement agencies (of Singapore or other countries), and foreign diplomats or their staff.
