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Types of Car Insurance Coverage Explained

 

Car insurance is one of those things that many don't give much thought about until only after an accident has occurred. From handling the cost of repairs for the other driver’s vehicle to paying the legal expenses that may follow, anyone can feel at a loss of what to do next. It is hence crucial to procure the necessary car insurance coverage in advance with the right company to protect you financially in Singapore. 

Starting with DirectAsia, get recommended plans as proposed by our dedicated car insurance specialists - we guarantee it’ll be a hassle-free process with us.

How to Choose Your Car Insurance Coverage

Choosing is easy. Let us walk you through the process. You can get an instant quote online or over the phone in minutes.

Think of car insurance coverage types as where your policy begins. Simply inform us about your car and the main driver, we can advise you on the cover type that best suits your needs. With DirectAsia, you have a range of options to choose from, which includes:

Comparison table
  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 Checked Checked Checked
Damage to someone's property in a car accident
Damage to someone's property in a car accident Checked Checked Checked
Legal costs & expenses following a car accident
Legal costs & expenses following a car accident Checked Checked Checked
Damage to your car by fire
Damage to your car by fire   Checked Checked
If your car is stolen
If your car is stolen   Checked Checked
If you crash into a third-party vehicle
If you crash into a third-party vehicle   Checked  
If you crash into something besides a car
If you crash into something besides a car   Checked  
If there is non-crash damages to your car
If there is non-crash damages to your car   Checked  
Damage by flood or a natural disaster
Damage by flood or a natural disaster   Checked  
Damage to your windscreen or windows
Damage to your windscreen or windows   Checked  

 

Once you've selected your cover, explore how you can further customise your car insurance policy by adding any additional drivers and optional benefits you would like to have. Enhance your coverage with 24-hour breakdown assistance, new for old replacement car, compensation for loss of use and more for the immediate protection when you need it most. To be insured with DirectAsia, you can obtain an instant quote online to get started or simply give us a call at +65 6665 5555 - we are more than happy to help you with any enquiries.

Frequently Asked Questions

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. Additionally, if you have a car camera, in-vehicle entertainment system and/or solar film in your vehicle, DirectAsia’s optional benefit “My Accessories” can cover these modified accessories at an additional premium.

In what countries am I insured to drive?

Your car insurance coverage will apply as long as 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 Tanjung 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. In this regard, our appointed surveyor usually scrutinises various media (print and online) for similar vehicles of the same/make/model and year to establish the prevailing market value of your car.