General Insurance

DrivoTM Motor Insurance – Product Summary

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Singapore’s leading motor insurer lets you drive with confidence. That is the Income difference.
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Driving is not without risk or incidence, indeed, the roads we drive on today may be filled with danger and the unexpected may occur at any turn. That is why you need a motor insurer who truly understands your motoring needs. There is no smarter choice than getting a comprehensive motor insurance coverage and assurance you need with Singapore’s leading motor insurer.

With growing affluence, luxury cars are becoming increasingly common. With our new Drivo Prestige plan1, you can now enjoy even more competitive car insurance premium rates for your prized possession.

What's more, if you are travelling to West Malaysia, we offer you peace of mind with our 24-hour referral services for road and medical assistance2.

Now, you can certainly feel more at ease and drive with greater confidence in Singapore and Malaysia.

We offer you the following plan types to suit your motoring needs:

Plan & Coverage Drivo Premium Drivo Classic
Vehicle repairs at your preferred workshop

Vehicle repairs at a quality workshop chosen by NTUC Income
Loss or damage to your vehicle from accidental causes
(up to market value at the time of loss or damage)
Loss or damage by fire or theft
(up to market value at the time of loss or damage)
Damage to third party property (up to S$5,000,000)
Death or injury to third party (unlimited)
Medical expenses (up to S$300)
Personal accident benefits (up to S$20,000)
Towing service (up to S$500)
Unlimited windscreen cover5
Policy Excess:
S$600 or otherwise specified applies for each and every accident claim

 


Windscreen Excess:
S$100 or otherwise specified applies for each and every claim

Unnamed driver excess
• Extra excess of S$2,500 will apply if the unnamed driver is under 27 years old or has less than one year’s driving experience
• Extra excess of S$500 will apply if the unnamed driver is 27 years old and above with one or more year’s driving experience

Optional Cover
NCD Protector4 (applicable to policy with at least 30% NCD)
Daily transport allowance6
(S$50 is claimable from the first day of repair, up to maximum of seven days)
Excess Waiver7

We have enhanced our benefits with your luxury cars in mind, so you can now enjoy competitive rates and comprehensive coverage for you and your dream ride.

Coverage (Applicable for Porsche cars^)
Loss or damage to your vehicle from accidental causes
(up to market value at the time of loss or damage)
Loss or damage by fire or theft
(up to market value at the time of loss or damage)
Damage to third party property (up to S$5,000,000)
Death or injury to third party (unlimited)
Medical expenses (up to S$1,000)
Personal accident benefits (up to S$100,000)
Towing service (up to S$500)
Unlimited windscreen cover5
Vehicle repairs at your preferred workshop
Policy Excess:
Amount payable by you for each and every accident claim
S$5,000 (within Singapore)
S$8,000 (outside Singapore)
Windscreen Excess:
S$1,000 or otherwise specified applies for each and every claim
Optional cover
NCD Protector4 (applicable to policy with at least 30% NCD)
Daily transport allowance6
(S$50 is claimable from the first day of repair, up to a maximum of seven days)

^ Porsche car models include Panamera, Cayenne, Cayman, Boxter and 911.

For existing NTUC Income private car insurance policyholders who travel frequently to Malaysia, you may wish to add the following rider to complement your existing Classic or Premium or Prestige plan.

The Motor insurance Extension (Rider) offers an additional coverage for our existing private car insurance policyholders and/or the authorised driver and/or passengers, who go on regular road trips to Malaysia.

Coverage Coverage limit
Personal accident benefits
a) Policyholder
b) Passenger
c) Authorised driver
S$150,000
S$  75,000
S$  75,000
Emergency medical evacuation S$100,000
Medical expenses S$5,000
Repatriation of mortal remain and funeral expenses S$30,000
Towing expenses
We will reimburse you the cost of towing your car back to
Singapore if your car is damaged in a road accident
S$2,000
(Rider excess of S$500 is applicable)
Emergency expenses incurred while you are overseas
a) Expenses incurred to return to Singapore within 24 hours after your car is involved in an accident and cannot be driven or is stolen
b) Emergency phone charges incurred by driver or authorised driver in calling NTUC Income’s assistance company during a medical emergency or for towing assistance.
S$500
S$100

Flexible plan to suit the duration of your road trips:

Duration

Motor Insurance Extension (Rider) premium rates

1 week S$40
2 weeks S$50
3 weeks S$60
1 month S$70
1 year S$285

Premium rates are inclusive of 7% GST, non-guaranteed and may be reviewed from time to time.


BENEFITS AT A GLANCE
  • Orange Force Accident Response Team at your service 24/7
  • 24/7 referral services for road and medical assistance in West Malaysia2 NEW
  • Motor insurance coverage for accidental or fire damage, flood and natural disaster
  • 5% loyalty discount3
  • No Claim Discount (NCD) protection4
  • Choice of workshops with Drivo Premium plan and Drivo Prestige plan
  • Unlimited windscreen cover5
  • Daily Transport allowance cover6
  • Excess waiver cover7
  • Medical expenses and personal accident benefits
  • Credit card instalment payment plans8 available
  • Earn NTUC LinkPoints
Learn More
Policy Conditions Quotation Request
Printed Proposal/Other Forms

IMPORTANT NOTES

1 This plan is available for named drivers who are above the age of 33 and have at least 3 years of driving experience without any accident claim.

2 The 24-hour referral services for road and medical assistance are available within Peninsular Malaysia which includes Penang and Langkawi but excludes the rest of the islands. This service is applicable for NTUC Income Private Car Policyholders only.

3 You will receive a 5% loyalty discount if you have been insuring your vehicle with us for more than 3 years.

4 You can purchase the optional benefit to protect your NCD if your NCD is at least 30%. However, if you have been enjoying NCD of 50% from us in the last two consecutive years, you will automatically enjoy free NCD protection when you renew your policy with us.You cannot transfer the NCD protection to another insurance company. It also does not guarantee that we will renew the policy. If you fail to report any accident to us within 24 hours, even with this NCD protection, we will reduce your NCD by 10%.

5 A windscreen excess of S$100 (or any other amount shown on the certificate of insurance) applies for each and every claim under the following plans: Drivo Premium and Drivo Classic plan. For Drivo Prestige plan, the windscreen excess is S$1,000 (or any other amount shown on the Schedule or certificate of insurance) applies for each and every claim.

6 You can purchase the daily transport allowance cover which pays $50 per day, from the first day of the repair for up to 7 days, for each of your first two claims.

7 This cover is only applicable to Drivo Premium and Drivo Classic plan. You can purchase the cover to waive the basic excess of $600 when you claim under your motor policy. This excess waiver is not applicable to policies with excess of above $600.

8 This is only valid for payment made using your UOB, OCBC or DBS/POSB credit card. Other terms and conditions apply.

This is for general information only. You can find the usual terms and conditions of Drivo Classic and Drivo Premium plans at www.income.com.sg/forms/insDocument/Motor-PCar.pdf, Drivo Prestige plan at www.income.com.sg/forms/insDocument/Motor-PCarPrestige.pdf and Motor Insurance Extensions (Rider) at www.income.com.sg/forms/insDocument/Motor-Rider.pdf.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). 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 NTUC Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as of 1 April 2014

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