Car Insurance | Cheapest Quotes Online Singapore | DirectAsia Insurance

Frequently Asked Questions about Car Insurance

How does your 24 Months New for Old Replacement car work? Do I receive a physical new car? Or do I purchase the new car and submit a claim?

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.

Do I have to submit a receipt to prove the sum insured for my car accessories?

No, this will not be necessary.

How much can I insure my car accessories for?

Depending on the different car accessory selected, the maximum sum insured can range from $1,000 to $5,000.

What car accessories can I insure?

Here is a list of car accessories that you can insure:

Air intake/exhaust system
Body kit
Car camera
In-vehicle entertainment system
Rims/tyres
Solar film
Suspension/stabiliser system

Note that all your car accessories have to be LTA compliant.

Do I need to pay any excess under the Third-Party Fire and Theft plan?

Yes you will have to pay the policy excess if your car catches fire or is stolen.

What is the age of the vehicle that DirectAsia can insure up to?

Plan	Vehicle age
Comprehensive	Up to 15 years old
Third-party fire and theft	Up to 50 years old
Third-party only	Up to 50 years old

Do call us if you need a quote on Comprehensive cover for a vehicle that is more than 15 years old. We'll be happy to help.

What type of car insurance plans do DirectAsia provide?

We have 3 different plan types depending on your needs. They are Comprehensive, Third-Party Fire and Theft and Third-Party only.

Am I covered for the modifications on my car?

No, we will not pay you for your modifications since these will have been done by you or a previous owner after the car was first registered. We will only cover you for the original standard equipment by the maker or distributor and we can decide whether to replace or repair these items or pay you the cost to do this. However, if you take up the optional benefit of My Accessories, we will cover you for the modified accessories with additional premium. However, all these modified accessories have to be LTA compliant and/or approved.

Here is a list of LTA compliant car accessories that you can insure:

Air intake/exhaust system
Body kit
Car camera
In-vehicle entertainment system
Rims/tyres
Solar film
Suspension/stabiliser system

Is my policy still valid if I have carried out modifications to my car?

Yes, your policy remains valid even if you have had modifications done to your car, provided these modifications are LTA compliant and/or approved.

Am I covered for accessories and spare parts on my car?

We will cover you for accessories and spare parts for your car provided these were fitted as standard by the maker or distributor at the time your car was originally bought and they were on your car at the time of the accident, loss or theft. We can decide whether to replace or repair these items or pay you the cost to do this. However, this will depend on the type of plan you have. Check this out in our section what we cover. However, if the accessories installed are aftermarket (i.e. not standard equipment by the maker or distributor), we have the optional benefit of My Accessories which you can take up to cover them under your policy for a fee. Note: these accessories installed must be LTA compliant and/or approved. Here is a list of LTA compliant car accessories that you can insure:

Air intake/exhaust system
Body kit
Car camera
In-vehicle entertainment system
Rims/tyres
Solar film
Suspension/stabiliser system

Can I buy a policy from you if I purchase a brand new car?

Yes. You just need to tell your car dealer that you will be getting your car insurance from DirectAsia.

In what countries am I insured to drive?

Your policy covers you when your car is in Singapore, West Malaysia and Southern Thailand (this is the part of Thailand within 80km of the border between Thailand and Malaysia).

We also cover you when your car is crossing the straits between Singapore and Tanjong Belungkor, Johor and when you cross the straits between West Malaysia and the Malaysian islands offshore of West Malaysia.

Is my COE covered under the insurance policy?

Yes. We usually factor COE in with the market value of the car.

Are you covering my COE?

Yes. Typically the COE is a component of the market value of the car.

Are my windscreens and windows covered against damage?

Windscreens and windows are covered against damage. We will charge an excess of S$100 if we have to replace windows or windscreens, but this is waived if we can repair the damage ourselves. We will send someone to you to carry out the work at your convenience. (Note: This only applies to our Comprehensive plan)

Will I get a courtesy car while mine's being repaired?

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).

Who repairs my car?

You are allowed to use a repair workshop from our list of approved workshops. Repairs done at our approved workshops come with lifetime repair guarantee.

If you have selected our optional benefit of My Workshop/ My Authorised Distributor Workshop you can use any repair workshop of your choice.

What if my car stalls or is damaged in a flood?

DO NOT try to start your car as the flood water may damage the engine. Call us immediately to arrange the car to be towed. Call In Singapore 6532 1818 or +65 6603 3699 (Overseas/Emergency).

What if my car is damaged in an arson attack?

If you are in or near the burning car, get far away from it quickly. Your safety comes first. Call 995 for the fire brigade. Get details of the officer who attends to the fire and a copy of the fire report.; If your car is damaged in an arson attack, report it to the police so that they can investigate and find the culprit. Get a copy of the police report and call us to lodge a claim on In Singapore 6532 1818 or +65 6603 3699 (Overseas/Emergency).

What if my car is stolen?

Report it immediately to the police so that they can investigate the matter and try to find the car. Get a copy of the police report and call us to lodge a claim on In Singapore 6532 1818 or +65 6603 3699 (Overseas/Emergency).

Do I need to do anything if there's an accident and I settle a dispute amicably between myself and a third party?

If you agree to settle the matter with the other driver, there is usually no need to make an insurance claim.

You must still report the matter to us. It will not affect your No Claim Discount. Complete and send us a copy of the Private Settlement form when you're reporting the claim.

Can I make changes to my cover?

You can contact us to request a change to be made to your cover. Call our customer service centre hotline at 6665 5555 Monday - Friday: 8am - 8pm or email us at customerservice@directasia.com.

Please give us 7 days' notice for the change to take effect.

What car insurance plan should I get if I've had multiple accidents?

Our SOS Car Insurance is comprehensive cover aimed at high risk drivers who would otherwise be refused insurance or have difficulties renewing their policy because they have had two or more at-fault accidents. Or they have been refused insurance for other reasons including having made multiple claims on their insurance.

At DirectAsia we believe in giving people a second chance. Our SOS Car Insurance does just that! It takes the hassle out of buying your car insurance, getting you back on the road quickly and easily.

Riders & Usage

What do you mean by driver plan?

You can allow different types of motorists to drive your car.

Value Plan: The main driver and up to 4 other drivers who must be named on your policy schedule and/or certificate of insurance, 2 of which can be young and/or inexperienced drivers. The adding of additional driver is subject to additional premium charges.

Value Plus Plan: The main driver and any authorised drivers who are aged 30 years and above and who hold a valid driving licence for at least 2 years in the period immediately preceding the date of your policy. In addition, you can also name up to 2 other young and/or inexperienced drivers. Only young and/or inexperienced drivers who are named on your policy schedule and/or certificate of insurance will be covered. The adding of additional driver is subject to additional premium charges.

Flexible Plan: Any drivers are covered. There is no need to name any drivers.

If I need to travel to Malaysia for 1 day, may I call in to extend the coverage temporarily if I have opted for your 'Singapore Only' coverage?

At the moment, we don't offer a temporary extension of selected coverage.

Is Sentosa covered if I opt for your 'Singapore Only' coverage?

As long as you don't go out of Singapore i.e. you don't require a passport, it is covered.

My car is under finance, what type of insurance plan can I purchase?

We will be happy to provide you with a quote for any of our insurance plans. However, before you buy the policy, please check with your finance company. Some finance companies require certain levels of insurance cover for the car before they can continue with the finance.

Why is DirectAsia so particular about who the main driver is (ie. the person who uses the car most frequently)?

We underwrite and price on the information we receive. Honest disclosure is fundamental to the insurance contract. Pricing is based on risk, and the age and experience of the driver is a major factor in determining price.

The importance of the accuracy of the named main driver is very explicit in the quote process on our site, as it is a fundamental basis for calculating the premium you would pay.

Sadly, there are cases where the main driver (the person who uses the car most of the time) hides behind a better profile driver. This is a fraudulent behaviour called 'fronting'.

It is DirectAsia's policy to pay fairly and promptly for all legitimate claims and to carefully consider all claims which suggest 'fronting' so that we can bring more competitive rates to the motoring industry.

What do we mean by Policy Holder?

The policyholder should be the registered owner of the vehicle – we cannot insure you if you are not the owner of the car.

What if I want to use my car for business calls just a few times a year, do I still need to select the option Private and business use and pay a higher premium?

No, you do not need to select Private and business use to make a few business calls. This is so long as you inform us when you plan to do so. You can make business calls up to five times per policy at no extra cost.

How do you define the different usages of the car?

Private use: You are only using your car in the course of your private life and for leisure.
Private use and commuting to work: You are also using your car to go to and from your office.
Private and business use: You are also using your car for and during the course of your work.
Off Peak Car: You drive a car with a red plate registration in Singapore. We impose no restriction on usage.

Do you cover everyone that uses my car?

This depends on what driver plans you have selected: Value, Value Plus or Flexible. Enquire with us to obtain a car insurance quote for each.

Do I qualify for DirectAsia's car insurance?

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

What happens if I wrongly declare who the main driver is (the person who uses the car most frequently)?

DirectAsia is entitled to void a policy and treat it as if it never existed if you have intentionally mis-declared the main driver for your policy just to obtain a lower premium. We underwrite and price on the information we receive and honest disclosure is fundamental to the insurance contract. Pricing is based on risk, and the age and experience of the driver is a major factor in determining price. The importance of the accuracy of the main driver is very explicit in the quote process on our site, as it is a fundamental basis for calculating the premium you would pay. This is explicitly stressed, and forms the basis of the contract which the customer enters into.; There are, however, cases in which the main driver (the person who uses the car most frequently) hides behind a better profile driver. This is a fraudulent behaviour called 'fronting'. It is DirectAsia's policy to pay fairly and promptly for all legitimate claims and to carefully consider all claims which suggest 'fronting' so that we can bring more competitive rates to the motoring industry.

What happens if I have an accident while using the car for an undeclared usage?

As a valued customer of DirectAsia, you can use your car outside of your declared usage up to 5 times a year by calling us at 6665 5555 or sending an email informing us of your upcoming usage at CarUsage@DirectAsia.com.

If you use your car outside of your declared usage and you forget to inform us beforehand, an additional excess of S$1,500 would apply if you are involved in an accident during this usage; If you have misdeclared your usage at the quotation stage, that is, you are using your car frequently during the course of your work but only took Private Usage, or if you drive frequently to your work place but took only Private Usage, we reserve the right to reduce or reject your claim altogether.

Can DirectAsia cancel my policy if I did not truthfully declare all information while buying my policy?

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).

If I’ve had my policy terminated can I get insurance with 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 we cannot insure you.

Are there any trades or professions you don’t insure?

We cannot cover the following trades or services:

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

If I’m driving a delivery truck for work can you cover me?

We do not cover driving a commercial vehicle.

What do we mean by Main Driver?

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.

What do we mean by Named Drivers?

Named drivers are occasional drivers that you name under the policy.

What do we mean by Authorised Drivers?

Authorised drivers (for Value Plus) are people that you give permission to use your car. Anyone can be an authorised driver so long as they are at least 30 years old and with more than 2 years' valid driving licence. Their licence should also not have been suspended or cancelled in the last 5 years.Authorised drivers (for Flexible) are people that you give permission to use your car. Anyone can be an authorised driver so long as they have a valid driving licence. Their licence should also not have been suspended or cancelled in the last 5 years.

NCD

Will there be a charge if I request for a copy of the policy documents to be mailed to me after I have opted to go paperless?

All your documents are readily available online when you access 'My Account' via DirectAsia. However, if you need help, please call us at 6665 5555. We'll be happy to assist.

Are there any specific brands of car cameras that are allowed/ not allowed in order to have the car camera discount?

There are no restrictions on the brand of car cameras to be installed in the car.

Can reverse camera be considered for the car camera discount?

No, the purpose of my car camera discount is for policyholders to provide the footage of accident events. Thus if there is no photographic record/video captured, it will not be considered.

Is there any condition upon taking up my car camera discount?

Upon accident, you are required to provide us the footage of your video camera. If not, an additional excess of $1,500 will be applicable.

Do I have to install both front and rear cameras to enjoy your car camera discount?

Not necessary. As long as you have a front car camera installed in your car which is able to record continual video footages of your journey, we will give you a 4% discount.

What can I do to keep my car insurance premium low?

Always report to the police within 24 hours at the place of the accident, injury or loss, and get a copy of the police report.

How do you calculate the premium?

Your car insurance premium is based on a number of factors including driver profile which looks at your age, driving experience, No Claim Discount and the number of young and/or inexperienced drivers named on your policy. We also take into account the car's make, model and age. The excess you choose will also affect your premium. The higher the excess, the lower the premium. (Note: This only applies to our Comprehensive plan). Any optional benefits you choose will also affect your premium. Read more here about the factors affecting the price of car insurance, and who will get the cheapest car insurance in Singapore.

What is an Offence Free Discount?

Your Certificate of Merit (COM) from the Traffic Police entitles you to a discount over and above your NCD. This is your Offence Free Discount (read more information). At DirectAsia we reward safe drivers.

I've been a named driver on someone else's insurance, can I still get a NCD?

If you have been a named driver on someone else's insurance, you are not entitled to any NCD.

But if you have been driving a company car and you then buy a personal car, you would be allowed to transfer the NCD provided you can show the number of claims' free years you have with a letter from the HR department of your employer or from the leasing company.

Can I protect my No Claim Discount (NCD)?

If you select NCD Protector Plus under our optional benefits then we will protect your No Claim Discount (NCD) when you make up to one claim under your policy and if you renew with us. Only applicable for NCD30, NCD40, NCD50 and NCD60 only.

What is a No Claim Discount (NCD)?

A No Claim Discount is a discount that we offer you on your renewal premium if there are no claims on your policy during the current period of insurance. You may still be entitled to a No Claim Discount even if you have made a claim, provided you are not liable for the accident and that you have been insured with us for the past 12 months. Here's more details on NCD and who is eligible.

My NCD went up by 10% and I have had no claims in the past year. So why has my car insurance premium increased?

There are a number of factors involved in pricing premiums. Firstly, there may be an increase in claims for your car make and model, which will lead to higher premiums. The higher price may also be driven by inflation. For example, increased repair costs, legal fees and medical costs means increased insurance premiums to keep up with these costs in general.

What is NCD60?

NCD60 is a fantastic new innovation to give even more savings to the safest drivers in Singapore.

Drivers who have held NCD50 status for at least the last five (5) consecutive years will get an additional 10% discount on their car insurance base premium, only at DirectAsia!

This applies to existing and new customers of DirectAsia, the first and only insurer in Singapore to launch this new innovation in the market. No other insurer in Singapore offers this great benefit to great drivers.

What do I need to do?

Continue to drive safely, do your best to avoid accidents and tell us if you have benefitted from NCD50 status for at least the last five (5) consecutive years. That's it!

This discount is awarded automatically for qualifying customers when you buy or renew your insurance with DirectAsia. For existing customers, the discount will apply on your next renewal; just call us to let us know – it's another great reason to stay with us.

Can I protect my NCD60 status?

DirectAsia offers NCD60 customers the opportunity to protect their NCD status through the purchase of NCD Protector Plus for a nominal fee. This way, if you have a claim – even if you are at fault, the NCD Protector Plus will maintain your NCD level the following year.

It’s worth remembering that DirectAsia will honour your protected NCD status with your current insurer if you've had an 'at-fault' claim – other insurers don't!

Can I keep my NCD60 for life?

To an extent. Like with NCD50, if you have qualified for NCD60, you can protect your NCD60 status by purchasing the optional benefit NCD Protector Plus which protects your NCD status against one (1) 'at-fault' claim during the policy period.

How does this differ from other insurers offering “for life’ NCD?

NCD60 offers an immediate discount for the safest drivers. Under other 'for life' NCD schemes, safe drivers only see the benefit in the event that they have a claim. We believe that NCD60 is much fairer, more rewarding and transparent: safer drivers save more with DirectAsia!

What is NCD Protector Plus? How does it work?

NCD Protector Plus is an optional benefit to add on to your Car Insurance.

Only applicable for customers with NCD30/ 40/ 50 /60, the NCD Protector Plus provides an opportunity for customers to protect or advance their NCD status for a nominal fee.

With NCD Protector Plus, customers can still advance to the next NCD level the following year even with 1 at-fault claim. Most insurers will only allow you to maintain your NCD status when you have an at-fault claim. Read more here.

Claims

How can I be sure my personal information is secure?

Your security matters to us. The information you provide to us via this website is securely encrypted as it travels between your computer and our computers. The secure connection is over a protocol called secure socket layer - SSL, making it extremely difficult for others to access your information. Two ways of knowing when you are using a secured section of our website is to look for the small padlock symbol in the bottom right hand corner of your browser and secondly the web address in your browser window will start with "https instead of "http"."

Why do insurers sometimes declare vehicles a total loss?

If the repair cost is higher than the economic repair value, we may then settle the claim as a constructive total loss. The economic value is the difference between market value and residual value (COE and PARF).; You can, however, still have your vehicle repaired even when the cost is more than the economic repair value. The GIA recommends insurers pay the economic repair value plus 50% of the difference (up to $5,000) between the actual cost of repair and the economic repair value.

Can I claim for things stolen from my car?

We do not cover personal items that are stolen from your vehicle. For example laptop, cash card and accessories.

What happens if I wrongly declare who the main driver is (the person who uses the car most frequently)?

How do I claim against a foreign motorist?

It is advisable to make a claim on your own insurance policy. Making a claim against motorists from another country can turn out to be costly and time-consuming. If you are not at fault and you are able to provide the registration number of the third party vehicle you will only be asked to pay the own damage excess on repairs. Your NCD will not be affected.

What happens if I'm in an accident outside of Singapore?

Make a police report in the place the accident or loss occurred and do so within 24 hours. If you're in West Malaysia or Southern Thailand and you need towing to the nearest repair workshop we can help you arrange that. You will need to pay the service provider and you can claim it back on your policy, up to the specified amount, when you return to Singapore. Call us at +65 6603 3699 (Overseas/Emergency).

Who repairs my car?

You are allowed to use a repair workshop from our list of approved workshops. Repairs done at our approved workshops come with lifetime repair guarantee.

If you have selected our optional benefit of My Workshop/ My Authorised Distributor Workshop you can use any repair workshop of your choice.

What documents do I need to make a claim?

You will need to bring along copy of your SAS Accident report, Certificate of Insurance and your accident vehicle to any of our Authorised Workshops to make a claim under your own policy. If you are unsure, please call us at 6532 1818 or email us at claim@directasia.com.

Do I need to report all accidents to the police?

If someone is injured, then you'll need to report the accident to the police. If nobody is injured and you settle the dispute with the other driver amicably, then there's usually no need for police involvement. However, should a hit-and-run situation occur or a government vehicle/property, foreign vehicle, or pedestrian/cyclist be involved, you need to report this to the police.

What if someone has been injured in my car accident?

If someone is injured or there has been a fatal accident, please do not attempt to move the injured or the vehicles. Call 999 first then call us, we will send someone out immediately to help you.

What if I have a car accident?

In the event of an accident stay calm and make sure everyone is safe. Do not discuss liability. Call us at 6532 1818 if you're in Singapore or at +65 6602 3699 if you're overseas. When you phone us, our professional car insurance claims advisor will guide you. You are required by the General Insurance Association of Singapore to report an accident to your insurer within 24 hours (or the next working day) even if you are not claiming on your own insurance or even when there is no damage. If not, your No Claim Discount (NCD) will be affected. In any case, we will help you make a report of the accident when you call us. Read more about the insurance claim process for car accidents here.

Account

Does DirectAsia tie-up with any agent/dealer that I have to purchase the new car from?

Currently, we don't have any tie-ups with any agent/dealer.

Can I use my friend or family members' credit card to make my premium payment?

No, this would not be possible. The credit cardholder must be the policyholder. Your security matters to us. You may also pay via cash or cheque.

Can I pay monthly instalments?

Yes, you can pay your premium in monthly instalments with your credit card at no additional cost.

What information do I need before I can buy my car insurance policy?

Your chassis number. You can get this by logging onto LTA website. Your NRIC and that of your named drivers. Your previous registration number if you plan to transfer your NCD to a new car. And of course your credit card details. It's that simple!

Can I buy your insurance policy offline?

Yes, just call us at 6665 5555 or come to our office at 20 Anson Road, #08-01, Singapore 079912.

What happens when I get my quote?

If you decide you'd like to purchase you can make payment and print your policy documents straight away. If you need time to gather more information, the quote will be saved in our system and is valid for 90 days.

What documents do I need if I have to cancel my insurance policy with you?

Please ensure you have the following documents:

Sale / Purchase Agreement by car dealer stating the details of the sale of the vehicle, and the effective sold date and handover date; OR
LTA Notification Transfer of Ownership for the vehicle.

You may fax the documents to 64231197 or email us at customerservice@directasia.com. Once we receive these documents, we will backdate the cancellation date to 1 day after the vehicle sold/ handover date.

Alternatively, you may also give us a call on our Customer Service Hotline at 6665 5555 from 8am to 8pm, Monday to Friday.

How is my refund computed for my insurance policy cancellation?

The refund is calculated based on the following conditions: Premium Refund = [Premium x (Unexpired Period of Insurance (Days) / Original Period of Insurance (Days))] – Applicable Cancellation Fee ($90 inclusive of GST).

Please note that the above is subjected to no claim/accident in current policy period.

If I made an accident reporting and/or claim under my insurance policy, am I still entitled to a refund?

No refund will be given if there is an accident reported and/or claim made under your insurance policy. We reserve the right to collect any outstanding premium from you if you have opted for our instalment payment plan.

When can I receive my refund upon my insurance policy cancellation?

For premium paid via credit card, we will credit the premium refund to the same credit card account originally used. For cash or cheque payment, DirectAsia.com will send you a refund via cheque. You will receive your premium refund within seven working days.

Do all insurers adopt the same method to compute the refund?

No, different insurers have different methods of computing refunds.

Can you refund me cash instead of a cheque?

We will only refund via cheque if the original payment method is by cash or cheque. Sorry we cannot refund you with cash.

Why must I pay a higher premium when the market value of my vehicle is depreciating?

There are many things taken into consideration when calculating premiums particularly risk factors including vehicle model, capacity, and driver's profile. The market value of the car is not considered to be a direct risk factor because it does not influence the claims received from third parties for property damage and injuries. Also, repair cost for motor vehicles continues to increase therefore impacting insurance premiums.

My NCD went up by 10% and I have had no claims in the past year. So why has my car insurance premium increased?

I haven't made any claims so why is my renewal premium higher?

If the overall claims experience is bad that year then insurance companies have to increase their premiums across the board for all motorists irrespective of whether you have made a claim or not. If you have a clean driving record, though, your premium will still be lower than those with accident claims.

Can I change my policy plan midway through my policy period?

We do not allow a change of plan in the middle of the policy. It can be done, however, after the policy has lapsed.

Can DirectAsia cancel my policy if I did not truthfully declare all information while buying my policy?

Is my car insurance policy covered by the Policy Owners' Protection scheme?

As a fully licensed insurance company registered by the Monetary Authority of Singapore, we are a member of the PPF Scheme. Your car insurance policy issued by DirectAsia is covered by the PPF Scheme. For more details please go to www.gia.org.sg or www.sdic.org.sg.

Can I cancel my policy?

You can cancel this policy at any time by giving us 7 days' notice. The refund premium will be pro-rated subject to a cancellation fee of S$90 (inclusive of GST).

What if I have a dispute with DirectAsia?

We are committed to providing you with quality insurance products and services but if any dispute arises out of your insurance policy that we cannot resolve between us, then that dispute may be submitted to the Singapore Mediation Centre for settlement by mediation in accordance with the mediation procedure in force.

How do I renew my Policy?

You can choose to automatically renew and we will deduct the amount from your credit card when the time comes. If you don't opt for automatic renewal we will send you an invitation to renew.

What if I need to make changes to my personal details?

You can easily make changes to your personal details 24/7. Your own My Account space stores all your insurance documents safely online, and you can change your particulars, including contact information.

Or call our customer service centre hotline at 6665 5555 Monday - Friday: 8am - 8pm or email us at customerservice@directasia.com.

Can I make changes to my cover?

You can contact us to request a change to be made to your cover. Call our customer service centre hotline at 6665 5555 Monday - Friday: 8am - 8pm or email us at customerservice@directasia.com.

Please give us 7 days' notice for the change to take effect.

What is the Policy Owners' Protection Scheme? Is DirectAsia.com in the scheme?

The Policy Owners' Protection Scheme (PPF) protects the interests of policyholders in the event an insurer fails. It provides added assurance that there is a compensation scheme for policy owners to reduce the financial impact on individuals in the event an insurer defaults. The PPF Scheme is administered by The Singapore Deposit Insurance Corporation (SDIC). As a fully licensed insurance company registered by the Monetary Authority of Singapore, we are a member of the PPF Scheme. For more details please go to www.gia.org.sg or www.sdic.org.sg.

For complete information, see our Policy Documents & Wording

"I made a medical claim via email and was contacted by a claims specialist shortly. The claim was soon approved and payment was deposited in my bank account a couple of days after. The process of buying the travel insurance was seamless and the claims process was amazingly efficient as well. I’d recommend Direct Asia to anyone who values hassle-free services."

Jessica Chew Shi Jia
Feb 2019, Travel Insurance

"I was totally satisfied with the service rendered. From the start to the closure of my incident case, my calls were catered to in a thoroughly professional manner. I was updated at every stage and made to feel assured that my vehicle and case were in the best possible hands. Not to mention the diligence and efficiency of my claims specialist - absolute FIVE STAR service!"

Praveen Ravishankar
Feb 2019, Car Insurance

"Very friendly staff, patient as well. I would love to get insurance with DirectAsia again."

Abdul Muhaimin Abdul Malek
Nov 2018, Motorcycle Insurance

	Third-Party Only (TPO)	Comprehensive (COMP)	Third-Party Fire & Theft (TPFT)
	For the budget-conscious drivers.	For drivers who prefer a complete peace of mind.	For those who wish to extend beyond basic coverage to include losses due to fire and theft.
	Injury to someone else in an accident
Injury to someone else in an accident
	Damage to someone's property in a car accident
Damage to someone's property in a car accident
	Legal costs & expenses following a car accident
Legal costs & expenses following a car accident
	Damage to your car by fire
Damage to your car by fire
	If your car is stolen
If your car is stolen
	If you crash into a third-party vehicle
If you crash into a third-party vehicle
	If you crash into something besides a car
If you crash into something besides a car
	If there is non-crash damages to your car
If there is non-crash damages to your car
	Damage by flood or a natural disaster
Damage by flood or a natural disaster
	Damage to your windscreen or windows
Damage to your windscreen or windows

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