Coverage for Car Insurance

1. Car repairs are only available for Toyota, Mercedes Benz and Nissan cars aged 7 years and below.
2. A windscreen excess of $100 (or any other amount shown on the certificate of insurance) applies for each and every claim under the following plans: Drivo^TM Premium, Drivo^TM Advantage and Drivo^TM Classic plan. For Prestige plan, the windscreen excess is $1,000 (or any other amount shown on the Schedule or certificate of insurance) applies for each and every claim.
3. 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%.
4. 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.
5. This cover is only applicable to Drivo^TM Premium, Drivo^TM Advantage and Drivo^TM 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.
6. If your vehicle cannot be driven due to any puncture to its tyre(s) or any mechanical or electrical breakdown and not due to an accident involving your vehicle, we will pay you the reasonable expenses incurred on site up to $200 once for each period of insurance for the following services rendered:
   - Service charge to replace the defective batteries.
   - Service charge to replace the punctured tyre.
   - Towing fee incurred to tow the vehicle to the policyholder’s preferred workshop.
   - Any other services charges necessarily incurred on site arising out of the breakdown.
   
   The costs of replacing any vehicle parts, including batteries and tyres, are not covered by this benefit. 
   
   If the vehicle breaks down, you have to contact a breakdown service provider to assist you. To submit your claim for this benefit, you must provide the following within 30 days of the breakdown:
   - Claim form.
   - Photographic evidence of the service(s) provided on site.
   - Tax invoice/ Receipt with details on the type of services performed by the service provider and payment made.
7. We will pay you a further sum of up to $1,000 for reasonable medical expenses which you have paid due to an accident involving your vehicle while you are the driver of, or a passenger, for the following treatments:
   - Your pregnancy-related check-up or treatment necessitated and due to the accident; or
   - Your cosmetic (aesthetic, plastic surgery or dental treatment, or any treatment) reconstructive surgery.
   We will only pay the cosmetic reconstructive benefit if the treatment is carried out:
   a. to restore any loss of function or change in appearance due to an injury or a condition sustained by you as a result of an accident involving your vehicle;
   b. within 30 days after the date of the accident; and
   c. by a medical practitioner registered under the Medical Registration Act 1997.
   
   This benefit is only payable to you once per period of insurance and provided you have a claim which is paid or payable by us under Section 1 of your policy.
8. We will pay you or your personal representative the amount shown in the scale of compensation for death or bodily injury arising out of an accident while you are the driver of, or a passenger in, your vehicle.
   Scale of compensation:
   a. Death - $10,000
   b. Total and permanent loss of all sight in both eyes - $10,000
   c. Total loss by physical severance at or above the wrist or ankle of both hands or both feet or of one hand together with one foot - $10,000
   d. Total loss by physical severance at or above the wrist or ankle of one hand or one foot together with the total and permanent loss of all sight in one eye - $10,000
   e. Total and permanent loss of all sight in one eye - $5,000
   f. Total loss by physical severance at or above wrist or ankle of one hand or one foot - $5,000
   
   We will only pay one of the items listed from a to f above for any one accident. If you die and/or suffer several injuries, we will only pay for the one item that provides the highest compensation. Our maximum limit that we will pay for any one accident is $10,000.
   
   If you have more than one private car policy with us, we will pay under one of the policies only.
   
   This benefit applies to a policyholder who is pregnant at the material time of the accident.
   
   We will not pay you any compensation if the loss or injury is not listed in the scale of compensation.

This is for general information only. You can find the usual terms, conditions and exclusions of Drivo^TM Classic, Drivo^TM Advantage and Drivo^TM Premium plans at income.com.sg/car-policy-conditions.pdf, Prestige plan at income.com.sg/car-prestige-policy-conditions.pdf and Motor Insurance Extensions (Rider) at income.com.sg/car-rider-policy-conditions.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 Income or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg  or www.lia.org.sg  or www.sdic.org.sg). 

Information is correct as at 2 April 2024.