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Drivers & Usage

You Declare Who Drives & How Your Vehicle is Used

We ask a few questions to make sure you get the correct premium

Every Singapore driver uses their car differently. Some share it with the whole family and use it daily, while others drive solely on weekends or off-peak times. If you use your car differently, then you should pay different prices.

Asking you about the Main Driver and Car Usage allows us to give you the most accurate premium so you aren't paying for what you don't need. 

IMPORTANT! Remember to declare the correct information:
It's important that you answer the questions about Main Driver and Car Usage truthfully so you're insured in the event of an accident. Since we calculate your premium based on the information you declare, that information is used when we review and pay claims. 

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Drivers & Usage Requirements 

We have a few basic requirements for who we cover

Driver Requirements


 Age & Experience
Age & Experience

The main driver must have 2 years' driving experience & be aged 70 & below.

  •    Driver's Licence
    Driver's Licence 

    No driver has had their licence suspended or cancelled in the last 5 years.

  •    Accident & Insurance History
    Accident & Insurance History 

    If a driver has had their insurance refused or terminated and/or had 2+ at-fault claims/accidents in the last 3 years, then they're only eligible for our SOS Car Insurance.



Usage Requirements


  • Commercial Usage   
    Commercial Usage

    The car cannot be used for commercial purposes, hire or reward.

  • Vehicle Ownership   
    Vehicle Ownership

    The policyholder must be the registered owner of the vehicle in order to be covered by a DirectAsia policy.

  • Vehicle Modifications   
    Vehicle Modifications

    The vehicle must be registered in Singapore and any modifications it may have are LTA compliant.

In the event of a Total Loss or theft of your vehicle within the first 24 months of its first registration in Singapore, we will either offer cash compensation or a replacement car to you; it will be at DirectAsia's discretion and approval. You need to submit the claim to us first for assessment before going ahead with the new car purchase. We will advise you in writing of the method of settlement.
Depending on the different car accessory selected, the maximum sum insured can range from $1,000 to $5,000.

We do not provide a courtesy car, but you can take out our optional benefit called Loss of use.

With this benefit we will pay you a daily rate of S$50 to help you with transport costs while your car is being repaired (up to a maximum of 10 days per accident and 20 days per year).

View all Car Insurance FAQs

Here is a checklist of who is eligible for our car insurance
  • The policyholder must be the registered owner of the vehicle – we cannot insure you if you are not the owner of the car.
  • The main driver is the person that uses the car most frequently – they must be aged 70 years old and below, with at least 2 years' valid driving licence.
  • Young and/or inexperienced drivers are drivers aged below 30 and/ or with less than 2 years' valid driving licence. You only need to name young and/ or inexperienced drivers on your policy and you can name up to 2 people.
Most other companies will insure any number of young and/ or inexperienced drivers which means that even if you don’t have such drivers you will be paying for those that do.

At DirectAsia you only pay for what you need.

We have to exclude some drivers to keep your premium down

We cannot cover you if:

  • You have been declined when trying to renew your policy in the last 3 years. Or you have had your policy terminated in the last 3 years.
  • You've had your licence cancelled or suspended in the last 5 years.
  • You are driving a commercial vehicle.

We do not insure certain professions. These are:

  • Personnel of foreign armed forces
  • Professionals who are involved with the entertainment industry
  • Professional sportsmen or sportswomen
  • Foreign diplomats and foreign diplomatic staff
  • Driving instructors requiring business use
Yes. If you do not fully and faithfully tell us everything you know or could reasonably be expected to know that is relevant to our decision to give you the insurance, you may receive no benefit from your policy or we may cancel your policy and treat it as never having existed. The admin fee for cancellation is S$90 (inclusive of GST).
The main driver is the person that uses the car most frequently – they must be aged 70 years old and below, with at least 2 years' valid driving licence. He does not need to be the policyholder (car owner). He should be the person using the car most frequently.

View all Car Insurance FAQs

Have questions? Speak with us directly at 6665 5555 or provide your details and we’ll call you.

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Direct Asia Insurance (Singapore) Pte Ltd is a member of the DirectAsia group of companies.
Reinsured by Munich Re, one of the world's leading reinsurers.