DriveShield – now with expanded benefits for EV cars!

Features & Benefits

DriveShield Basic and Enhanced Plan Benefits

For the full list of DriveShield benefits, please refer to the Summary of Cover.

 

Basic

Enhanced

Emergency breakdown assistance
Receive free roadside rescue services when your car breaks down.

Not covered

Covered

Loan protector
Pays up to S$50,000 of your outstanding car loan in the event of death.

Not covered

Up to S$50,000

Waiver of own damage policy excess
Applicable for customers with at least 30% NCD and for the first claim only. Pays up to S$500 and repairs must be done at Singlife’s approved repairers.

Not covered

Up to S$500

Daily hospital allowance
In the event that you, your authorised driver and/or passengers are hospitalised due to a car accident, the policy will pay each person a daily hospital allowance of S$100, for up to 30 days.

Not covered

S$100 daily
(up to 30 days)

Repairs for your car

Approved repairers only

Approved repairers only

Windscreen replacement coverage

 

 

Replacement cost of your windscreen (glass) if done at Singlife’s approved repairers.

Covered

Covered

Number of windscreen claims allowed.

1

Unlimited

Windscreen excess.

S$100

S$100

Accidental Loss, Fire or Theft Damage
Your car is covered for up to the cost of its market value, including the COE. Your manufacturer-fitted car accessories and audio equipment are covered for an unlimited amount.

Covered

Covered

Policy Extensions for Electric Car NEW!

For the full list of DriveShield benefits, please refer to the Summary of Cover.

 

Basic

Enhanced

Go green privileges
Exclusively for electric cars. Enjoy further discounts for charting a better way to sustainability.

Covered

Covered

Electric car battery
We cover losses if your electric car’s battery is lost, stolen or damaged.

Covered

Covered

Charging cable liability protection
We cover you against third-party liability arising from any accident involving the charging cable when it is attached to your electric car.

Covered

Covered

Additional total loss payout
If your electric car is a total loss due to fire or explosion during charging, we’ll pay 110% of its market value at the time of the loss.

Not covered

Covered

Electric car charging cable
Unlimited, covers losses if your electric car’s charging cable is lost, stolen or damaged.

Not covered

Covered

Private charging station cover
Unlimited cost of replacement or repair for your private charging station within your house in Singapore, if it is accidentally damaged.

Not covered

Covered

Towing assistance
Receive free towing services in Singapore when your electric car’s battery runs out.

Not covered

Covered

Enhanced loss of use cover
Get an electric replacement car (subject to availability) for up to 15 days, aſter an accident in any one period of insurance. (Applicable if you have purchased the optional Loss of Use cover and shown on your policy schedule)

Not covered

Covered

Optional Add-On Benefits
 

Coverage

Any workshop extension
Send your car for repairs at your preferred workshop.

Covered

Replacement locks and keys
If your ignition keys are lost or stolen, the cost of replacing the affected locks, transmitter, central locking interface and any affected parts of the car’s alarm or immobiliser.

Up to S$500

Loss of use cover
Singlife will give you a replacement car (1.6l model) when your car is in the workshop (up to 10 days).

Covered

NCD protector
Your NCD remains intact if only 1 claim is submitted (by yourself or a third party).

Covered

Waiver of young and/or inexperienced driver excess
Waiver of young and/or inexperienced driver excess for you and your authorised driver who are aged 24 and below and/or has held a valid driving license for less than 2 years.

S$2,500

How do I qualify for DriveShield car insurance?

To qualify for DriveShield car insurance, you must meet the following criteria:

  • Be 21 to 70 years old.
  • Reside in Singapore for at least 183 days in a year.
  • Hold a valid NRIC(s) or FIN(s).
  • Be the registered car owner of the car to be insured.
  • Be medically fit to drive and satisfy all driving regulations.
  • Possess a valid driving licence with at least 1 year of driving experience.
  • Have not been previously refused insurance coverage by any insurer for any reason.
  • Have made no more than 2 claims in the past 3 years.
  • Ensure any modifications on your registered car are compliant with and approved by the Land Transport Authority of Singapore ("LTA").
  • The car to be insured must not be more than 15 years old.
Can I get instant car insurance cover?

Yes. You can purchase your car insurance from here and make payment online. You will receive your policy documents and certificate of insurance via email instantly.

Who underwrites your insurance?

DriveShield Car insurance is underwritten by Singapore Life Ltd.

What previous claims or motoring accidents should I declare?

You are required to declare all claims you have had in the last 3 years on your car policy regardless whether you were the driver during the accident.  This applies to any claim caused by you as a driver on any car, except for windscreen claims or there were no injuries to anyone and the other party was 100% liable.

If there is a change in your number of claims made after the purchase of this policy, Singlife will contact you within 30 days from the policy start date. This may result in additional premium payable by you.

What if I cannot find my car's make and model in your database?

Kindly email your car registration number, make and model to [email protected] and Singlife will contact you within 3 business days.

How do I receive my policy documents?

Your policy documents will be sent instantly to the email address provided when purchasing your policy.

How do I renew my vehicle road tax?

You can visit the LTA website to renew your vehicle road tax online. If you have just purchased a motor policy with us, please note that it will take up to 3 working days for Singlife to update the LTA records and any late payment penalty will not be borne by Singlife.

Alternatively, you can engage any LTA approved agents to renew your road tax. Please remember to bring along your Certificate of Insurance and requisite payment.

Is there an Instalment Payment Plan (IPP) if I pay using a credit card?
Yes. We have an interest-free IPP arrangement for customers using credit cards issued by DBS.