Coverage for Car Insurance
Plan & Coverage | DrivoTM Premium | DrivoTM Classic |
---|---|---|
Vehicle repairs at your preferred workshop | ✔ | |
Vehicle repairs at a quality workshop chosen by Income | ✔ | |
Loss or damage to your vehicle from accidental causes (up to market value at the time of loss or damage) |
✔ | ✔ |
Loss or damage by fire or theft (up to market value at the time of loss or damage) |
✔ | ✔ |
Damage to third party property (up to $5,000,000) | ✔ | ✔ |
Death or injury to third party (unlimited) | ✔ | ✔ |
Medical expenses (up to $1,000) | ✔ | ✔ |
Personal accident benefits (up to $50,000) | ✔ | ✔ |
Towing service (up to $500) | ✔ | ✔ |
Unlimited windscreen cover[1] | ✔ | ✔ |
Policy Excess: $600 or otherwise specified applies for each and every accident claim |
✔ | ✔ |
Windscreen Excess: $100 or otherwise specified applies for each and every claim |
✔ | ✔ |
Unnamed driver excess
|
✔ | ✔ |
Optional Cover | ||
NCD Protector[2] (applicable to policy with at least 30% NCD) | ✔ | ✔ |
Daily transport allowance[3] ($50 is claimable from the first day of repair, up to maximum of seven days) |
✔ | ✔ |
Excess Waiver[4] | ✔ | ✔ |
For more information, please refer to the policy conditions:
Policy conditions for Private Car
Policy conditions for Private Car (Prestige Plan)
Policy conditions for Private Car (Extension Rider)
- A windscreen excess of $100 (or any other amount shown on the certificate of insurance) applies for each and every claim under the following plans: DrivoTM Premium and DrivoTM Classic plan. For DrivoTM Prestige plan, the windscreen excess is $1,000 (or any other amount shown on the Schedule or certificate of insurance) applies for each and every claim.
- You can purchase the optional benefit to protect your NCD if your NCD is at least 30%. However, if you have been enjoying NCD of 50% from us in the last two consecutive years, you will automatically enjoy free NCD protection when you renew your policy with us.You cannot transfer the NCD protection to another insurance company. It also does not guarantee that we will renew the policy. If you fail to report any accident to us within 24 hours, even with this NCD protection, we will reduce your NCD by 10%.
- You can purchase the daily transport allowance cover which pays $50 per day, from the first day of the repair for up to 7 days, for each of your first two claims.
- This cover is only applicable to DrivoTM Premium and DrivoTM Classic plan. You can purchase the cover to waive the basic excess of $600 when you claim under your motor policy. This excess waiver is not applicable to policies with excess of above $600.
Information is correct as of 23 July 2019
Information is correct as of 29 September 2023.