Drivo^TM Motor Insurance – Product Summary

Singapore’s leading motor insurer lets you drive with confidence. That is the Income difference.

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 the choice motor insurer of most motorists¹.

With growing affluence, luxury cars are becoming increasingly common. With our new Drivo Prestige plan², you can now enjoy even more competitive car insurance premium rates for your prized possession.

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

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

Drivo Classic and Premium Plans – Designed for private cars

Plan & Coverage	Drivo Premium Plus	Drivo Premium	Drivo Classic Plus	Drivo Classic
Personal accident benefits (up to S$20,000)	√	√	√	√
Medical expenses (up to S$300)	√	√	√	√
Towing service (up to S$200)	√	√	√	√
Damage to third party property (up to S$5,000,000)	√	√	√	√
Death or injury to third party (unlimited)	√	√	√	√
Unlimited windscreen cover³	√	√	√	√
Vehicle repairs at your preferred workshop	√	√
Vehicle repairs at a quality workshop chosen by NTUC Income			√	√
Loss or damage to your vehicle from accidental collision (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)	√	√	√	√
Daily transport allowance of S$50 (up to seven days if repairs exceed three days)	√		√
Waiver of excess	√		√
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	√	√	√	√

Drivo Prestige Plan – Designed for luxury cars

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

Coverage (Applicable for Porsche cars^)	Coverage limit
Personal accident benefits	up to S$100,000
Medical expenses	up to S$1,000
Towing service	up to S$500
Damage to third party property	up to S$5,000,000
Death or injury to third party	unlimited
Windscreen cover³	unlimited
Vehicle repairs at your preferred workshop
Loss or damage to your vehicle from accidental collision	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
Policy excess Amount payable by you for each and every accident claim	S$5,000 (within Singapore) S$8,000 (outside Singapore)

^ 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.

Motor Insurance Extension (Rider) – Designed for motorists who drive frequently to Malaysia

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

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$200 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
Motor insurance coverage for accidental or fire damage, flood and natural disaster
5% loyalty discount³
Free No Claim Discount (NCD) protection⁴
Choice of workshops with Drivo Premium plan and Prestige plan
Unlimited windscreen cover⁵
Medical expenses and personal accident benefits
Credit card instalment payment plans⁶ available
Earn NTUC LinkPoints

Learn More

Policy Conditions		Quotation Request
Private Car Private Car (Prestige Plan) Private Car (Extension Rider) Commercial Vehicle Motorcycle		Private Car Commercial Vehicle Motorcycle
Printed Proposal/Other Forms
Application Form Application Form (Prestige Plan) Application For 0% Instalment Payment Plan By Credit Card - PC, MC and CV		Request for Change Declaration for Loss of Certificate Transfer NCD Form

IMPORTANT NOTES

¹ We have been voted the Best Car Insurer in the AsiaOne People’s Choice Awards 2011/12. The Business Times, on 10 August 2011 has also reported NTUC Income as the leading motor insurer locally.

² 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.

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

⁴ 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.

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

⁶ 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 Premium plans at www.income.com.sg/forms/insDocument/Motor-PCar.pdf, Prestige plan at www.income.com.sg/forms/insDocument/Motor-PCarPrestige.pdf and Motor Insurance Extensions (Rider) at www.income.com.sg/forms/insDocument/DrivoMotor.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 2013