SOS Car Insurance Coverage
Car insurance for drivers who've had multiple accidents
Our SOS cover is comparable to our Comprehensive plan, but designed specifically to help drivers needing a second chance.
If you've had multiple accidents, it can be hard to find a car insurance provider in Singapore. Thankfully DirectAsia’s SOS plan is uniquely created to help higher risk drivers. Our SOS Insurance plan gives you complete coverage including liability to third party and loss due to fire, theft and natural disasters. It also covers window breakage and towing expenses.
Similar to our regular policies, our SOS plan is a great base insurance plan suited to further customisation. You'll be able to choose from optional benefits like coverage for Medical Expenses for Driver and Passengers, 24 Hour Breakdown Assistance and My Workshop for even greater protection.
When do we recommend SOS Insurance?
In the last 3 years, have you or any of your drivers experienced 2 or more fault accidents? Or, has your insurance been refused or terminated? If so, our SOS car insurance is probably the best coverage choice for you in Singapore.
Many car insurance providers will turn down your insurance application or refuse to renew your insurance policy after finding out that you’ve had a car accident. At DirectAsia, we take into account a driver’s overall risk profile, rather than assume based on any one-off incidents. Our SOS Insurance plan helps you get back on the road swiftly and easily.
Do remember that in line with the General Insurance Association of Singapore, drivers are obliged to report all accidents involving their vehicle, however minor it may be, within 24 hours or the next working day. This is especially important to make sure that claims are processed and accepted. Failure to report such accidents will be considered a breach of contract and will likely result in the driver’s claims being denied with no fault on the insurer’s part.
Cover & Optional Benefits in More Detail
|Core Benefits||Cover Limits|
|Own Damage - All Accidents||Up to the market value of your car|
|Third Party Bodily Injury||Unlimited|
|Third Party Property Damage||Up to S$5,000,000|
|Own Damage - Fire||Up to the market value of your car|
|Own Damage - Theft||Up to the market value of your car|
|Own Damage - Natural Disaster/Act of God||Up to the market value of your car|
|Windscreen/Window Breakage||Replacement or repair costs|
|Accident Towing||Up to S$200 in Singapore|
|Deductible of Own Damage||Minimum S$1,500 (Please refer to your Certificate of Insurance)|
|Optional Benefits (For drivers and passengers)|
|Personal Accident for Driver||Up to S$100,000|
|Medical Expenses for Drivers and Passengers||Up to S$500/per person|
|No Claim Discount (NCD) Protection||One claim per policy period|
|My Workshop||Up to market value|
|24 Hour Breakdown Assistance||Labour and towing costs|
|Loss of Use||S$50 a day up to 10 days per accident, 20 days per policy period|
|Repatriation Costs||S$200 per person and up to S$3500 for towing|
Frequently Asked Questions about our SOS Insurance Coverage
How do I choose between the Comprehensive and SOS Insurance plans?
Your accident and insurance history will impact the plans available to you. If you’ve had your previous insurance refused or terminated, or if you’ve had over 2 fault accidents over the last 3 years, you will only be eligible for our SOS Insurance. Should you find the coverage provided by our SOS Insurance insufficient, there are other optional benefits you can add onto your insurance package.
What is SOS car insurance?
SOS Insurance is a specific car insurance plan offered by Direct Asia. The SOS Insurance plan is available for higher risk drivers who may have been rejected by other insurance providers, or if they’ve committed 2 fault accidents over the span of the past three years. We believe in second chances and want to help all drivers get back on the road.
Where can I find more information on your SOS Insurance coverage?
You can get in touch with us by phone at +65 6665 5555 for any inquiries you may have regarding our car insurance plans, including help comparing our SOS Insurance coverage against other plans. Alternatively, you can contact us through our online form, and a member of our team will do their best to get back to you within 1-2 business days.