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SOS Car Insurance


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.