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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. 

  Promo Have a 2nd car? Get 10% off. Now that's what we call a happier deal.


Of-Peak Car

NEW: We cover GrabHitch drivers now!

As GrabHitch is considered a social carpooling service, we have extended our car insurance coverage to include GrabHitch rides. 

When you purchase your car insurance policy, simply select "Grab Hitch" when you are declaring the type of car usage.

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 information 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.


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