Car Insurance FAQs

Welcome to DirectAsia


Did you know that when your friends and family mention your name as they buy their comprehensive car or motorcycle insurance with us, we’ll send both of you a voucher – it’s our way of saying thanks for sharing the news about DirectAsia.

Ask your friends and family to call our friendly team of Customer Care Specialists to redeem this special offer. We’re here from 8am to 8pm, Monday to Friday and from 8am to 5pm on Saturdays.

Reward offer for car insurance
Earn $50 for you and your friend when they buy their comprehensive car insurance with DirectAsia.
Reward offer for motorcycle insurance
You and your friend can earn $25 each in vouchers when they mention your name as they purchase their comprehensive insurance for their motorcycle or scooter.

Looking for relevant news about motoring and travel inspiration?
Our blog is constantly updated with new topics like a handy checklist of what to look for when test-driving a new car, Car Clubs for enthusiasts, and our new monthly column for intrepid travellers. Follow us on Facebook and Twitter to stay up to date with new posts.




What can I do to keep my premium low?

We make our policies in such a way that you pay only for what you need. Here are a number of ways you can cut costs on your premium.

  1. You can select your level of cover according to your needs
  2. The higher the excess you choose to pay, the lower the premium (only for Comprehensive)
  3. Certain car models are more expensive to insure than others. Purchasing a safer new vehicle will lower you premium
  4. Choose only the options you need

Does my insurance cover the COE?

Yes. Typically the COE is a component of the market value of the car.

What is the Policy Owners' Protection Scheme? Is DirectAsia Insurance in the scheme?

The Policy Owners' Protection Scheme (PPF) protects the interests of policyholders in the event an insurer fails. It provides added assurance that there is a compensation scheme for policy owners to reduce the financial impact on individuals in the event an insurer defaults. The PPF Scheme is administered by The Singapore Deposit Insurance Corporation (SDIC).

As a fully licensed insurance company registered by the Monetary Authority of Singapore, we are a member of the PPF Scheme. For more details please go to or

Why do insurers sometimes declare vehicles a total loss?

If the repair cost is higher than the economic repair value, we may then settle the claim as a constructive total loss. The economic value is the difference between market value and residual value (COE and PARF).; You can, however, still have your vehicle repaired even when the cost is more than the economic repair value. The GIA recommends insurers pay the economic repair value plus 50% of the difference (up to $5,000) between the actual cost of repair and the economic repair value.

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