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Car Usage

We Ask About Usage to Help You Save

You choose from one of the four usage types

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. 

Drive an Off-Peak Car (OPC)? If so, then you receive a special rate on your premium. Again, why pay more when you don't have to?

IMPORTANT! Remember to declare the correct usage
We ask about car usage so you get the correct premium. The car usage falls into three basic categories below. Please make sure you declare the usage accurately so you're covered in the event of a claim. 

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The 3 Standard Car Usages

Not sure about your usage type? Call us at 6665 5555

private use

You are only using your car in the course of your private life and for leisure

You are not using your car to go to your workplace or to any professional appointment. However, you might use your car to send your children to school daily or other daily routines that aren't work related.

private use & commuting

On top of the private usage, you are also using your car to go to and from your office.

You might use your car during lunch time even to meet with your business partner. However, you are not using your car to go to and from business appointments during your work/office hours.


You use your car in your normal day and in the course of your work.

On top of the private and commute usage, you are also using your car for and during the course of your work. This includes going to business meetings during your work/office hours.

Of-Peak Car

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 informaiton about your vehicle.

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.
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; 

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.


View all Car Insurance FAQs

Have questions? Speak with us directly at 6665 5555 or provide your details and we’ll call you.