We’re More Than Just an Insurer—We’re Your Neighbour Through Life’s What-Ifs.
You will receive a redemption link via the email address provided during your insurance application within 3 to 4 months from your policy activation date. The Shell Fuel e-Voucher will be credited to your Shell App upon successful redemption.
No, the value of Tesla Fractional Shares credited for this campaign cannot be encashed.
Please declare all claims (excluding windscreen claims) made against your private car insurance during the past 3 years.
The premium of your car insurance policy is calculated based on the profiles of all the declared drivers including the named driver(s). Depending on the risk profiles of the drivers, the premium may remain the same, increase or decrease.
1. Fire or Lightning 2. Riot and Strike 3. Malicious Damage 4. Aircraft Damage 5. Impact Damage 6. Explosion 7. Earthquake, Volcanic Eruption, Hurricane, Cyclone, Typhoon and Windstorm and Flood Arising Therefrom 8. Extended Flood 9. Bursting or Overflowing of Watertanks, Apparatus or Pipes
Refund Policy (Upon Policy Termination):0 to 30 days in force – 80% refund of premium31 to 90 days in force – 50% refund of premium91 to 180 days in force – 30% refund of premium181 days and beyond – No refund100% of the premium will be refunded if:a) The Policy is cancelled within 90 days from the policy effective date and replaced with a new ECICS Enhanced MaidAssure policy; orb) The In-Principal Approval (IPA) is terminated and the FDW did not enter Singapore.Provided there shall be no refund if: • Any claim has been made or has arisen under the Policy; or • The premium refund is less than $27.25 (inclusive of GST). Please refer to General Conditions point 19 of the policy wording for the full cancellation terms and conditions.
The Family-NCD will not be affected as it follows the policy's claim experience. However, his past accident history will be taken into consideration when the Family NCD member get a new quote from us.
In the event that he utilise his earned Family-NCD to buy a new policy with us, he can still remain in the Family NCD policy as a named driver but he will not earn another Family-NCD. The Family-NCD can only be used once per policy per named driver.
The policy that experiences the accident claim will have the entire group of Family NCD members' (named drivers) Family-NCD reduced according to the GIA NCD framework (https://gia.org.sg/). We believe that promoting safe driving is a family affair. However, the other policy with us will not be affected, all earned Family-NCDs in that policy will remain intact.
You can report the accident at any of our Authorised workshop that is also our appointed Accident Reporting Centres within 24 hours of the accident.
Claim directly against the Third Party who is liable for the accident. You can bring your damaged car / motorcycle to any of our Authorised Workshops or your own preferred workshop who can assist you to file the Third Party claim; orClaim Own Damage claim under your policy if you have purchased a Comprehensive coverage. You will need to pay necessary Policy Excess (if any). The workshop will then assist you to recover against the Third Party’s insurer for the Excess paid.
Yes, it is illegal to use a vehicle in Singapore without a valid insurance cover. At a minimum, you must have third-party insurance, which covers injury or damage caused to other people and their property.
