No, we will not pay you for your modifications since these will have been done by you or a previous owner after the car was first registered. We will only cover you for the original standard equipment by the maker or distributor and we can decide whether to replace or repair these items or pay you the cost to do this. However, if you take up the optional benefit of My Accessories, we will cover you for the modified accessories with additional premium.
However, all these modified accessories have to be LTA compliant and/or approved.Here is a list of LTA compliant car accessories that you can insure:. Air intake/exhaust system. Body kit.
Car camera. In-vehicle entertainment system. Rims/tyres. Solar film. Suspension/stabiliser system. We will cover you for accessories and spare parts for your car provided these were fitted as standard by the maker or distributor at the time your car was originally bought and they were on your car at the time of the accident, loss or theft.
We can decide whether to replace or repair these items or pay you the cost to do this. However, this will depend on the type of plan you have. Check this out in our section what we cover. However, if the accessories installed are aftermarket (i.e. Not standard equipment by the maker or distributor), we have the optional benefit of My Accessories which you can take up to cover them under your policy for a fee.
Note: these accessories installed must be LTA compliant and/or approved. Here is a list of LTA compliant car accessories that you can insure:. Air intake/exhaust system. Body kit.
Car camera. In-vehicle entertainment system. Rims/tyres. Solar film. Suspension/stabiliser system. You can allow different types of motorists to drive your car.Value Plan: The main driver and up to 4 other drivers who must be named on your policy schedule and/or certificate of insurance, 2 of which can be young and/or inexperienced drivers. The adding of additional driver is subject to additional premium charges.Value Plus Plan: The main driver and any authorised drivers who are aged 30 years and above and who hold a valid driving licence for at least 2 years in the period immediately preceding the date of your policy.
In addition, you can also name up to 2 other young and/or inexperienced drivers. Only young and/or inexperienced drivers who are named on your policy schedule and/or certificate of insurance will be covered. The adding of additional driver is subject to additional premium charges.Flexible Plan: Any drivers are covered. There is no need to name any drivers. We underwrite and price on the information we receive. Honest disclosure is fundamental to the insurance contract. Is based on risk, and the age and experience of the driver is a major factor in determining price.The importance of the accuracy of the named main driver is very explicit in the quote process on our site, as it is a fundamental basis for calculating the premium you would pay.Sadly, there are cases where the main driver (the person who uses the car most of the time) hides behind a better profile driver.
This is a fraudulent behaviour called 'fronting'.It is DirectAsia's policy to pay fairly and promptly for all legitimate claims and to carefully consider all claims which suggest 'fronting' so that we can bring more competitive rates to the motoring industry. Here is a checklist of who is eligible for our car insurance. The policyholder must be the registered owner of the vehicle – we cannot insure you if you are not the owner of the car. The main driver is the person that uses the car most frequently – they must be aged 70 years old and below, with at least 2 years' valid driving licence. Young and/or inexperienced drivers are drivers aged below 30 and/ or with less than 2 years' valid driving licence. You only need to name young and/ or inexperienced drivers on your policy and you can name up to 2 people.Most other companies will insure any number of young and/ or inexperienced drivers which means that even if you don’t have such drivers you will be paying for those that do.At DirectAsia you only pay for what you need.We have to exclude some drivers to keep your premium downWe cannot cover you if:. You have been declined when trying to renew your policy in the last 3 years.
Or you have had your policy terminated in the last 3 years. You've had your licence cancelled or suspended in the last 5 years. You are driving a commercial vehicle.We do not insure certain professions.
These are:. Personnel of foreign armed forces. Professionals who are involved with the entertainment industry. Professional sportsmen or sportswomen. Foreign diplomats and foreign diplomatic staff. Driving instructors requiring business use. DirectAsia is entitled to void a policy and treat it as if it never existed if you have intentionally mis-declared the main driver for your policy just to obtain a lower premium.
We underwrite and price on the information we receive and honest disclosure is fundamental to the insurance contract. Pricing is based on risk, and the age and experience of the driver is a major factor in determining price. The importance of the accuracy of the main driver is very explicit in the quote process on our site, as it is a fundamental basis for calculating the premium you would pay. This is explicitly stressed, and forms the basis of the contract which the customer enters into.; There are, however, cases in which the main driver (the person who uses the car most frequently) hides behind a better profile driver.
This is a fraudulent behaviour called 'fronting'. It is DirectAsia's policy to pay fairly and promptly for all legitimate claims and to carefully consider all claims which suggest 'fronting' so that we can bring more competitive rates to the motoring industry. Authorised drivers (for Value Plus) are people that you give permission to use your car. Anyone can be an authorised driver so long as they are at least 30 years old and with more than 2 years' valid driving licence. Their licence should also not have been suspended or cancelled in the last 5 years.Authorised drivers (for Flexible) are people that you give permission to use your car. Anyone can be an authorised driver so long as they have a valid driving licence. Their licence should also not have been suspended or cancelled in the last 5 years.
Your car insurance premium is based on a number of factors including driver profile which looks at your age, driving experience, No Claim Discount and the number of young and/or inexperienced drivers named on your policy. We also take into account the car's make, model and age. The excess you choose will also affect your premium. The higher the excess, the lower the premium. (Note: This only applies to our Comprehensive plan). Any optional benefits you choose will also affect your premium. Read more about the factors affecting the price of car insurance, and who will get the cheapest car insurance in Singapore.
Your security matters to us. The information you provide to us via this website is securely encrypted as it travels between your computer and our computers. The secure connection is over a protocol called secure socket layer - SSL, making it extremely difficult for others to access your information. Two ways of knowing when you are using a secured section of our website is to look for the small padlock symbol in the bottom right hand corner of your browser and secondly the web address in your browser window will start with 'https instead of 'http'.' DirectAsia is entitled to void a policy and treat it as if it never existed if you have intentionally mis-declared the main driver for your policy just to obtain a lower premium.
We underwrite and price on the information we receive and honest disclosure is fundamental to the insurance contract. Pricing is based on risk, and the age and experience of the driver is a major factor in determining price. The importance of the accuracy of the main driver is very explicit in the quote process on our site, as it is a fundamental basis for calculating the premium you would pay. This is explicitly stressed, and forms the basis of the contract which the customer enters into.; There are, however, cases in which the main driver (the person who uses the car most frequently) hides behind a better profile driver. This is a fraudulent behaviour called 'fronting'.
It is DirectAsia's policy to pay fairly and promptly for all legitimate claims and to carefully consider all claims which suggest 'fronting' so that we can bring more competitive rates to the motoring industry. In the event of an accident stay calm and make sure everyone is safe. Do not discuss liability. Call us at 6532 1818 if you're in Singapore or at +65 6602 3699 if you're overseas. When you phone us, our professional car insurance claims advisor will guide you.
You are required by the General Insurance Association of Singapore to report an accident to your insurer within 24 hours (or the next working day) even if you are not claiming on your own insurance or even when there is no damage. If not, your No Claim Discount (NCD) will be affected.
In any case, we will help you make a report of the accident when you call us. Read more about the. Please ensure you have the following documents:. Sale / Purchase Agreement by car dealer stating the details of the sale of the vehicle, and the effective sold date and handover date; OR.
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LTA Notification Transfer of Ownership for the vehicle.You may fax the documents to 64231197 or email us at. Once we receive these documents, we will backdate the cancellation date to 1 day after the vehicle sold/ handover date.Alternatively, you may also give us a call on our Customer Service Hotline at 6665 5555 from 8am to 8pm, Monday to Friday. The Policy Owners' Protection Scheme (PPF) protects the interests of policyholders in the event an insurer fails. It provides added assurance that there is a compensation scheme for policy owners to reduce the financial impact on individuals in the event an insurer defaults.
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The PPF Scheme is administered by The Singapore Deposit Insurance Corporation (SDIC). As a fully licensed insurance company registered by the Monetary Authority of Singapore, we are a member of the PPF Scheme. For more details please go to www.gia.org.sg or www.sdic.org.sg. DirectAsia Insurance offers car insurance, motorcycle insurance and travel insurance.This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC).
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Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer (or name of Scheme member) or visit the GIA or SDIC web-sites (www.gia.org.sg or www.sdic.org.sg).