FAQ

Your car insurance policy applies while you are driving in West Malaysia and even parts of Thailand, within 50 miles of the border between Thailand and West Malaysia.

here is Comprehensive coverage (which is the most common), Third Party Fire & Theft as well as Third Party Only coverage.

More details can be found by clicking on this link.

There are 4 different ways to pay your road tax:

1) You can pay online at www.onemotoring.com.sg through internet banking, OR
2) You can pay at any AXS machine, OR
3) You can pay at Post office, OR
4) At any Vicom inspection centre (Inspection Centers will usually want to see an original CI)

A list of Singapore Post Offices can be found here:

http://www.singpost.com/our-network/post-offices.html?catid=36&id=45

You can find the nearest AXS machine by using this tool:

http://www.axs.com.sg/phpweb/consumer/station_location.php

A list of inspection centers can be found here:

http://www.onemotoring.com.sg/publish/onemotoring/en/lta_information_guidelines/maintain_vehicle/inspection/vehicle_inspection.html

If there’s someone else who frequently drives your car, you should. Here’s why:

Your car insurance policy covers your “authorised drivers”. An authorised driver is anyone you allow to drive your car. But if this person’s details is not listed in the policy document, there may be an additional excess imposed.

By adding a Named Driver, he or she can enjoy the same excess as you as long as he’s not classified as an elderly, young or inexperience driver. (If he is under such classification, his excess will be higher.)

No. Windscreen damage claims will not affect your NCD. Only own damage claims & 3rd party claims affect your NCD.

Almost every insurer in Singapore will recognise your NCD within 12 months after you have sold your car. Beyond that, the NCD may not be recognised anymore.

You can cancel your motor insurance policy by sending the original Certificate of Insurance to the insurer. They will process it and send the pro-rated refund to you.

Yes. It is possible to buy a car even if you have no driving license. Someone else will have to drive it, obviously. In this case, the main driver has to be named in the car insurance document. This is known as an “Insured Not Driving” policy.

Some insurers offer a motor insurance package that restricts a driver’s age (eg. above 45 years old) and driving experience (usually above 2 years). The authorised and named drivers must also comply to this condition. By limiting the insurance coverage (in terms of age and driving experience), you can reduce your insurance premium. After all, you may not need anyone else to drive your car.

When you buy up your excess, the final insurance premium goes down. In order to know what your final excess is, you have to find out if the original excess is waived off or not.

It depends. You have to compare the price and features of different car insurance policies. On top of this, you have to take the insurer’s reliability into consideration. Unfortunately consumers will not know how reliable a car insurer is unless they have been with them for many years. This is where a car insurance specialist can make recommendations.

There could be an increase in claims for your make and model, leading to higher premiums. Or the price may be driven by inflation. When repair costs, legal fees and medical costs (et cetera) increase, so must insurance premiums to keep up with these costs in general.

Not every insurer is able to accept Employment Pass holders as customers. Nevertheless for those insurers that offer you a quote, they may be able to accept your overseas NCD (subject to approval). Note: You must get a document/letter from your (overseas) insurer to prove your NCD claims.

Generally, if you are concerned with price, get a common sedan car below 1600cc. It is cheaper… and the car insurance is more affordable.

This pertains to the admin procedure in case your car is damaged beyond economical repair, stolen or destroyed by fire.

If you insure your car “with COE”, the insurer will send you a cheque for the market value of your vehicle, plus its remaining COE value.

If you insure your car “without COE”, the insurer will send you a cheque for the market value of your car only. At the same time, LTA will send you a separate cheque for the remaining COE value.

Insuring with COE is largely a matter of convenience.

If your car is damaged beyond economical repair, stolen or destroyed by fire, the insurer will compensate you by sending you a cheque for the market value of your vehicle at the time of loss. Some insurers will deliver a new car (of the same make & model) to you if your vehicle is still within the limited warranty period.

One good way is to compare motor insurance quotes. Nevertheless, cheaper car insurance may not automatically mean it is better. Buying up your excess, insuring without COE and opting for restricted age condition are other ways you can reduce your insurance premium further. A car insurance specialist will be able to advise you on what is suitable for you.

Yes, insurers will cover your third party repair costs, bodily injuries, death, property damages, etc. Pls refer to the policy wordings of the specific insurer for more details.

It depends on what type of modification is done. Normal sport rims will be okay. Other additional accessories like CNG kit, non-factory fitted sunroof, body kit, etc.. will usually require extra premium on top of the original premium. If you choose not to insure these accessories, your premium may remain the same.

Yes. If the sunroof is original factory fitted, most insurers will have factored this into their quotation. For aftermarket (non-factory fitted) parts, the insurer may require you to pay additional premium.