In the event of a Total Loss or theft of your vehicle within the first 24 months of its first registration in Singapore, we will either offer cash compensation or a replacement car to you; it will be at DirectAsia's discretion and approval. You need to submit the claim to us first for assessment before going ahead with the new car purchase. We will advise you in writing of the method of settlement.

If you select NCD Protector Plus under our optional benefits then we will protect your No Claim Discount (NCD) when you make up to one claim under your policy and if you renew with us. Only applicable for NCD30, NCD40, NCD50 and NCD60 only.

A No Claim Discount is a discount that we offer you on your renewal premium if there are no claims on your policy during the current period of insurance. You may still be entitled to a No Claim Discount even if you have made a claim, provided you are not liable for the accident and that you have been insured with us for the past 12 months. Here's more details on NCD and who is eligible.

We do not cover personal items that are stolen from your vehicle. For example laptop, cash card and accessories.

It is advisable to make a claim on your own insurance policy. Making a claim against motorists from another country can turn out to be costly and time-consuming. If you are not at fault and you are able to provide the registration number of the third party vehicle you will only be asked to pay the own damage excess on repairs. Your NCD will not be affected.

You will need to bring along copy of your SAS Accident report, Certificate of Insurance and your accident vehicle to any of our Authorised Workshops to make a claim under your own policy. If you are unsure, please call us at 6532 1818 or email us at claim@directasia.com.

No refund will be given if there is an accident reported and/or claim made under your insurance policy. We reserve the right to collect any outstanding premium from you if you have opted for our instalment payment plan.

There are a number of factors involved in pricing premiums. Firstly, there may be an increase in claims for your car make and model, which will lead to higher premiums. The higher price may also be driven by inflation. For example, increased repair costs, legal fees and medical costs means increased insurance premiums to keep up with these costs in general.

If the overall claims experience is bad that year then insurance companies have to increase their premiums across the board for all motorists irrespective of whether you have made a claim or not. If you have a clean driving record, though, your premium will still be lower than those with accident claims.

All information on how to lodge a claim with DirectAsia can be found at www.directasia.com/claims or call 6532 1818 for personal assistance.

No you cannot protect your NCD. When an accident occurs, your No Claim Discount will be reduced as described in the table below. Please declare the NCD according to your situation: Your current No Claim Discount If you make 1 or more at fault claim 20% 0% 15% 0% 10% 0%

A No Claim Discount is a discount that we offer you on your renewal premium if there are no claims on your policy during the current period of insurance. You may still be entitled to a No Claim Discount even if you have made a claim, provided you are not liable for the accident or in cases of thefts and Acts of God.

Making a claim against motorists from another country can turn out to be costly and time-consuming. You have to get the help of your repairer to assist in your claim. If you are not at fault and you are able to provide the registration number of the third party vehicle, your NCD will not be affected.

You will need to submit the following original documents and keep copies to substantiate your claim either by fax at Fax: 64231197, email at claim@directasia.com or post to DirectAsia, 20 Anson Road, #08-01, Singapore 079912, Singapore S(058716).

• Accident report.
• Police report
• Refer to our section below on Reporting to Police. Medical and specialist reports
• If anyone is injured get a medical report from the doctor.
• Bills and invoices of expenses incurred (i.e. overseas towing, medical fees). Documents supporting your claim (i.e. photographs, medical certificates)
• Names and particulars of witnesses

No refund will be given if there is a motorycle accident reported and/or claim made under your motorcycle insurance policy.

If the overall claims experience is bad that year then insurance companies have to increase their premiums across the board for all motorists irrespective of whether you have made a claim or not. If you have a clean driving record, though, your premium will still be lower than those with accident claims.

There are a number of factors involved in pricing premiums. Firstly, there may be an increase in claims for your motorcycle make and model, which will lead to higher premiums. The higher price may also be driven by inflation. For example, increased repair costs, legal fees and medical costs means increased insurance premiums to keep up with these costs in general.

All information on how to lodge a claim with DirectAsia can be found at www.directasia.com/claims or call 6532 1818 for personal assistance.

DirectAsia offers customers with NCD20, NCD25, and NCD30 the opportunity to protect their NCD status through the purchase of NCD Protector Plus for a nominal fee. This way, if you have a claim - even if you are at fault, the NCD Protector Plus will allow your NCD to advance to the next level (up to a maximum of NCD30) the following year. Most insurers will only allow you to maintain your NCD status when you have an at-fault claim.     

DirectAsia offers customers with NCD20, NCD25, and NCD30 the opportunity to protect their NCD status through the purchase of NCD Protector Plus for a nominal fee. This way, if you have a claim - even if you are at fault, the NCD Protector Plus will allow your NCD to advance to the next level (up to a maximum of NCD30) the following year. Most insurers will only allow you to maintain your NCD status when you have an at-fault claim.

It's worth remembering that DirectAsia will honour your protected NCD status with your current insurer if you've had an 'at-fault' claim - other insurers don't!

DirectAsia offers customers with NCD20, NCD25, and NCD30 the opportunity to protect their NCD status through the purchase of NCD Protector Plus for a nominal fee. This way, if you have a claim - even if you are at fault, the NCD Protector Plus will allow your NCD to advance to the next level (up to a maximum of NCD30) the following year. Most insurers will only allow you to maintain your NCD status when you have an at-fault claim.     

No refund will be entitled if you have reported or notified us of a travel insurance claim or we have paid a claim during the policy period. We reserve the right to collect any outstanding premium from you if you opt for our instalment payment plan for annual policy.

Our claims process couldn't be simpler. We have a 24-hour dedicated Claims hotline to assist you in times of need. If you are out of Singapore, you can call us on our overseas number at +65 6603 3699 (Overseas/Emergency) or call us locally at +65 in Singapore 6532 1818 and we'll take care of the rest!

We prefer to make things simple for you, so no forms required. Just call us at +65 6532 1818 to start your claim process with your proof of travel, and copies of the supporting documents within 30 days upon returning from your trip. Within one working day, you'll be assigned a personal Claims Specialist. You'll have the ability to contact them directly throughout your claim process. Visit How to Claim for more information. 

All information on how to lodge a claim with DirectAsia can be found at www.directasia.com/claims or call 6532 1818 for personal assistance.