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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Age & Experience
The main driver must be 2 years' driving experience & be aged 70 & below.
No driver has had their license suspended or cancelled in the last 5 years.
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
The car cannot be used for commercial purposes, hire or reward.
The policyholder must be the registered owner of the vehicle in order to be covered by a DirectAsia policy.
The vehicle must be registered in Singapore and any modifications it may have are LTA compliant.
Do you only use your car on the weekends? Do you drive your car to work? Or maybe you use your car in the course of your job. We ask about how you use the car to determine the right cost for your premium. So, depending on how you use your vehicle, you could save a lot by switching to DirectAsia.
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Drive an Off Peak Car?
The OPC scheme and the Revised Off Peak Car (ROPC) Scheme offers new car owners the option to save on car fees and taxes, in return for reduced usage during peak hours.
If you have an Off Peak Car, then we take that into account when we're calculating your premium. Please make sure you choose "Off Peak" when you're declaring information about your vehicle.