Travel & Car

DriveShield

Enjoy comprehensive car insurance coverage at lower premiums.

DriveShield

Looking for a car insurance that offers you great value and benefits at affordable premiums? DriveShield car insurance, underwritten by MSIG Insurance, is the plan for you. Take advantage of our competitive rates and save on your premiums.

Benefits

  • Great coverage: up to S$200,000* car loan protection and up to S$50,000# overseas medical evacuation and repatriation benefits
  • Dedicated service: access to the 24-hour MSIG Insurance Claims Hotline with a dedicated Singapore-based team to handle your car insurance claims
  • Quick and convenient: inspection of all accident vehicles by MSIG Insurance within two working days upon receipt of workshop estimates

How to Apply

Need help with your insurance?

  • Call MSIG Hotline at 6827 7608 (Mon to Fri, 8.45am to 5.30pm)
  • Let us assist you with your DriveShield enquiry.
  •  

    Contact me

    Disclaimers

    * In the event of accidental death of the policy holder while driving the insured vehicle. This benefit is applicable to Premier Plan only.
    # For accident in West Malaysia or parts of Thailand within 80 kilometers of the border between Thailand and West Malaysia.

Product Details

Whatever your needs, we've got the right plan.

When it comes to car insurance, whether you’re looking for great value or superior coverage, we have you covered. With DriveShield, you can choose the plan that suits your needs best.

  • Value Plan – A basic plan that covers accident-related claims at over 30 MSIG authorised workshops islandwide.
  • Premier Plan – Enjoy freedom in choosing your own workshop in Singapore for accident repairs (including the manufacturer's agent in Singapore) and other benefits such as higher personal accident coverage, transport allowance and loan protection benefit.
BenefitsValue PlanPremier Plan
Flexibility to do accident repairs at any MSIG authorised workshop.
Freedom to engage your preferred workshop for accident repairs. 
No restrictions on number of authorised drivers.
Up to S$5,000,000 third-party damage cover in the event of damage to third-party property while driving the insured vehicle.
Unlimited cover for windscreens and windows. Your no-claim discount will not be affected by claim(s) made.
Medical expenses of up to S$1,000 for the driver and each passenger in the car at the time of accident.
Loan Protection Benefit covering the outstanding car loan of up to S$200,000 in the event of accidental death of the policyholder while driving the insured vehicle. 
Up to S$100,000 Personal Accident Benefit for the policyholder. 

Drive without worrying about accidents or theft.

  • Your vehicle and its accessories or spare parts are covered against accidental loss or damage by fire and theft - anywhere in Singapore, West Malaysia and parts of Thailand within 80 kilometres of the border between Thailand and West Malaysia.
  • 24-hour helpline^ (65) 6337 1208 for emergency assistance services such as:
    - Emergency towing and roadside repair assistance
    - Arrangement of travel, rental vehicle or hotel accommodation assistance
    - Repatriation of vehicle to Singapore
    - Locksmith referral
    - Accident police report and claims report assistance

Disclaimers

^ This helpline is managed by MSIG’s appointed assistance company. DBS makes no warranty or representation towards the quality, merchantability or fitness for purpose of the goods and services of the assistance company and/ or any other third party. Any dispute about the same must be resolved directly with the assistance company and/ or the relevant third party. DBS is not an agent of the assistance company and any other third party supplier and vice versa. By choosing to use the goods and services of the assistance company and/ or any other third party, you agree that DBS is not liable for any loss, injury, claim or damage suffered or incurred arising from or in connection with the use of the assistance company and/or any other third party's goods and services.

Get a Quote


About the Application

  1. How can I get a motor quotation?

    You can obtain a no-obligation motor quotation by clicking here, visiting any POSB branches or calling MSIG Insurance Customer Service at +65 6827 7607 (Mon-Fri, 8.45am - 5.30pm).


  2. How can I apply for the motor insurance?

    If you are satisfied with the DriveShield quotation, you may proceed to apply online. Alternatively, you may apply in person at any POSB branches or MSIG Insurance's Customer Centre at 4 Shenton Way #21-01 SGX Centre 2 Singapore 068807.


  3. When will I receive my Policy?

    Upon successful application online, a copy of the DriveShield e-Policy will be sent to your email address indicated during your online application


  4. Can I cancel the Policy?

    Yes, you can cancel the policy by giving 7-day written notice to MSIG Insurance and can be refunded up to 80% of the unused proportion of the premium. Similarly, MSIG Insurance can cancel the policy by giving you 7-day written notice and refund you the unused proportion of the premium. Either way, there is no refund if the refund premium is less than S$25 or where a claim (including windscreen, windows or In-Vehicle Unit claim) has arisen under the Policy.


  5. Am I eligible for Offence-Free Discount?

    If your No Claim Discount (NCD) is 30% or more, your Certificate of Merit (COM) from the Traffic Police entitles you to a 5% discount over and above your NCD. Please print a copy of your COM by logging on to http://www.ecitizen.gov.sg/ and present it with your application.


  6. Do I need to insure the Certificate of Entitlement (COE) and Preferential Additional Registration Fee (PARF)?

    We recommend that you insure your car including COE and PARF.

    If there is a total loss claim due to theft or severe damage, the insurer will pay the full market value of the vehicle prevailing at the time of the loss or damage, inclusive of COE and PARF values. You will not be required to make separate claims for these items from the Land Transport Authority (LTA).

    If you prefer to insure without the COE and PARF, there is a 5% reduction of premium. In this case, you will have to make your own claim for the COE and PARF from LTA in the event of a total loss.


  7. What if the Registered Owner is not driving the car?

    If the Registered Owner applying for DriveShield is not driving the Insured Vehicle (e.g. no driving licence), please call MSIG Insurance at +65 6827 7607 (Mon-Fri, 8.45am - 5.30pm) for a quotation. The quotation will be based on the profile of the main driver.


  8. My spouse is also driving the car. Do I have to mention that in the application?

    DriveShield covers any person who is driving the Insured Vehicle on the Policyholder's order or with his/her permission. They do not have to be named in the Policy.



About DBS 0% interest Instalment Payment Plan

  1. What is the DBS 0% interest Instalment Payment Plan about?

    This instalment plan is offered exclusively to you by DBS Bank and subject to terms and conditions of your DBS VISA or MasterCard credit card. It helps you to spread your payment over 12 months with interest-free instalment.


  2. How do I enroll for the DBS 0% interest Instalment Payment Plan?

    You may do so in your online application for DriveShield or in person at MSIG Insurance Customer Centre at 4 Shenton Way #21-01 SGX Centre 2 Singapore 068807

    All you need to do is to charge your DriveShield insurance premium to your DBS VISA or MasterCard credit card. If applying in person, please inform the MSIG Customer Service Officer that you wish to pay by DBS 0% interest Instalment Payment Plan.


  3. What is the minimum amount payable to enjoy the DBS 0% interest Instalment Payment Plan?

    The minimum amount payable for each transaction is S$500.


  4. Are there any administration charges to enjoy the DBS 0% interest Instalment Payment Plan?

    There are no other administration charges.


  5. How will I be billed under the DBS 0% interest Instalment Payment Plan?

    If you choose to pay by the DBS 0% interest Instalment Payment Plan, each instalment will be charged to your DBS VISA or MasterCard credit card account on a monthly basis over the selected instalment period, which will be shown in your monthly DBS credit card statement of account based on your card billing cycle.


  6. What happens if there is a premium refund under my policy?

    If there is any premium refund to you (e.g. refund on policy cancellation) after you have signed up for the DBS 0% interest Instalment Payment Plan, all such refunds will be payable by MSIG Insurance to you in the form of cheque payment within 14 business days. In the meantime, you will continue to be billed under the DBS 0% interest Instalment Payment Plan until the full outstanding amount is settled.


  7. What if I have a total loss claim under my motor policy?

    MSIG Insurance will settle any valid claims under your motor policy with you directly. Therefore, you will continue to be billed under the DBS 0% interest Instalment Payment Plan until the full outstanding amount is settled.


  8. What happens if I cancel my DBS credit card before I settle the outstanding instalment?

    You are required to make full payment for Instalment Payment Plan upon card termination and administrative charge of S$150 will be levied. Click here for more details.



DriveShield Car Insurance Plan FAQs

  1. What is DriveShield?

    DriveShield is a comprehensive motor insurance product to cover your Singapore-registered private motor vehicle. There is a choice of two plans under DriveShield, the Value Plan or the Premier Plan.


  2. What are the key differences between the Value Plan and Premier Plan?

    Value Plan - All claims related to repairs must be carried out at any of the MSIG authorised workshops. There are more than 30 MSIG authorised workshops islandwide for your convenience.

    Premier Plan - Drivers can choose their own workshop (including the manufacturer's agent in Singapore) for accident repairs. It also provides enhanced coverage such as personal accident benefits; transport allowance; new for old replacement and loan protection benefit.

    The Premier Plan costs a little more than the Value Plan.


  3. What are the benefits under DriveShield?

    DriveShield is a comprehensive motor insurance covering:

    • Loss of or damage to the vehicle due to accidents, fire and theft including acts of nature like windstorm and flood up to its prevailing market value at the time of the loss or damage
    • Legal liability to third parties arising from the use of the vehicle resulting in death or bodily injury to any person and/or damage to property
    • Personal accident of up to S$100,000 to the Insured and up to S$50,000 each to your authorised driver and passengers
    • Medical expenses of up to S$1,000 per person
    • 24-hr emergency medical evacuation and repatriation benefits of up to S$50,000 to the Insured following a motor accident within 80 kilometres of the border between Thailand and West Malaysia. Emergency breakdown assistance in Singapore, West Malaysia and certain parts of Thailand are also included.

  4. What is the New for Old Replacement benefit about?

    This benefit pays the difference of up to S$100,000 between the market value and salvage value of the Insured Vehicle at the time of a total loss or construction total loss caused by an accident occurring within 12 months from its first registration. This benefit does not apply to total loss or constructive total loss caused by flood, theft or robbery of the Insured Vehicle. This benefit is only applicable to Premier Plan.

    Details can be found here: Policy Wording (Premier Plan)


  5. What is the Loan Protection Benefit about?

    This benefit pays the outstanding car loan up to S$200,000 in the event of the death of the policyholder within 3 months from an accident involving the Insured Vehicle. This benefit is only applicable to Premier Plan.

    Details can be found here: Policy Wording (Premier Plan)


  6. How does the windscreen cover work?

    The windscreen benefit covers the cost of reinstating any glass in the windscreen or window(s) or glass roof of your Insured Vehicle including the In-Vehicle Unit (if applicable). There is an excess of S$100 per claim. The good news is windscreen cover claims do not affect your No Claim Discount entitlement.


  7. What are the services provided under the Automobile Assistance Services?

    The following Automobile Assistance Services are provided purely on a referral or arrangement basis by MSIG’s appointed assistance company. MSIG Insurance (Singapore) Pte Ltd and its appointed assistance company shall not be responsible for any third party expenses which shall be solely the Insured's responsibility:

    • Emergency towing assistance
    • Roadside repair assistance
    • Alternative travel assistance
    • Repatriation of Insured Vehicle
    • Arrangement of rental vehicle
    • Arrangement of hotel accommodation assistance
    • Accident notification assistance
    • Police report assistance
    • Insured Vehicle repair referral
    • Locksmith referral
    • Claims Procedure Assistance
    • Claims Reporting Assistance
    • Referral to Claims Personnel
    • Arrangement of Compassionate Visit

    Please refer to the Policy for full details of cover.


  8. What are Emergency Medical Evacuation and Repatriation Services?

    Emergency medical evacuation is provided by MSIG’s appointed assistance company for the air and/or surface transportation and communication for moving the Insured when in a Serious Injury, as a result of an accident arising from the use of the Insured Vehicle within the Geographical Area (excluding Singapore) to the nearest hospital where appropriate medical care is available. MSIG’s appointed assistance company shall pay for the medically necessary expenses of such medical evacuation and repatriation incurred for up to S$50,000. Please refer to the Policy for full details of cover.


  9. What is an "Excess"?

    An Excess is the first amount of any claim for which you have to bear. For example, if the claim amount is S$5,000 and your excess is S$500, you need to pay the first S$500 and the balance of S$4,500 can be claimed from your insurer. The excess applicable will be specified in your Policy Schedule.


  10. How much is my vehicle being insured for?

    Your vehicle will be insured up to its prevailing market value at the time of the loss or damage, unless otherwise specified.

    Market value is the cost of replacing the Insured Vehicle with a car of the same make and model similar in condition, specification, and age of the motor vehicle immediately prior to the accident. It is determined by the recent transactions sourced from publications such as newspapers, motoring guides and information from car dealers.


  11. What is the No Claim Discount (NCD) Protector and how does it work?

    If you have accumulated 50% NCD, you may choose to buy protection against the loss of the discount, subject to payment of an additional premium.

    With the NCD Protector benefit, you can make one claim during the policy year and still have your 50% NCD fully intact. If two claims are made within the same period, the NCD will reduce to 20% on renewal; if 3 or more claims are made within the same period, the NCD will reduce to zero on renewal.

    Please refer to the Policy for full details.


  12. What should I do in the event of an accident?
    • If there are injuries, dial 995 for ambulance or 999 for police assistance.
    • Exchange particulars with the driver/ car owner involved in the accident, including name, NRIC/FIN, telephone number, email address, insurer and policy number. Note down the registration number and vehicle details. Take photographs of the damaged vehicles and accident scene. Record details of eye-witnesses (if any).
    • Report the accident and bring your vehicle (regardless of the extend of the damage) to MSIG Insurance’s authorised workshops or any Independent Damage Assessment Centre (IDAC) within 24 hours or by the next working day after the accident.

    You will be assured that DriveShield offers assistance round the clock with a 24-hour helpline at +65 6337 1208. The friendly team can advise you in detail on what to do in the event of an accident. Other services include:

    • Emergency towing and roadside repair assistance
    • Alternative travel, rental vehicle or hotel accommodation assistance
    • Repatriation of vehicle to Singapore
    • Locksmith referral
    • Accident police report and claims report assistance

  13. What if I have more questions?

    Please contact MSIG Customer Service Hotline at +65 6827 7607 8.45am-5.30pm, Mondays- Fridays. Alternatively, you may email your question(s) to banca_d@sg.msig-asia.com


Guide to making DriveShield Claims

 

Important Contact Details

 

  • MSIG 24-hour Claim hotline : +65 6827 7660
  • Tow-truck service : +65 6827 7660
  • Authorised Motor Repairs and Motor Claims Procedures : +65 6827 7666
  • E-file the accident report through MSIG authorised workshops or the nearest IDAC
    1. List of MSIG authorised workshops
    2. List of IDAC Centres (for accident reporting only)

 

What to do in the event of car accident?

 

  • Check if anyone is injured. If there are injuries, dial 995 for the ambulance or 999 for the police
  • Exchange information and particulars of driver/owners
    1. Name
    2. NRIC/FIN
    3. Telephone number
    4. Email address
    5. Insurer and policy number
    6. Vehicle registration number
    7. Vehicle details
  • Take photographs of the accident scene and damaged vehicles
  • Note down the name, address and contact number of any eye-witness(es)
  • Report and bring your accident vehicle to MSIG's approved reporting centres/authorised workshops within 24 hours or by the next working day
  • If you are making a claim under your own policy:
    1. You may request any of our authorised workshops to submit a quotation for repairs to us
    2. Claim must be submitted within 14 days of occurrence or discovery of damage
  • If you are making a third party claim at our authorised workshops:
    1. An estimate will be prepared and the third party insurer will be invited to survey your vehicle within 2 working days (from date of accident)
  • If you are making a third party claim at your own workshop:
    1. You must contact the third party insurer for the pre-repair survey before commencing repairs. This will ensure that your claim may not be prejudiced

 

Important notes:

 

  • Avoid all unauthorised tow-truck operators or repair workshops
  • File a police report under following circumstances:
    1. Injury case
    2. Hit and run case
    3. Non-injury involving
      • Government vehicle
      • Damage to government property
      • Foreign vehicle
      • Pedestrian or cyclist

 

Required documents:

 

When lodging an accident report at any IDAC centre or our approved reporting centre/authorised workshops

  • Identity Card/Passport
  • Motor Certificate of Insurance
  • Driver's driving licence
  • Police report, if any
  • Photographs, if any

When making a repair claim for your vehicle within the authorised repair limit

  • E-filed accident report
  • Police report, if any
  • Original photographs of damage
  • Final repair bill and receipt

When making a medical benefits claim for you and/or your passengers

  • Original medical bills and/or receipts
  • Medical report, if required

When making a Personal Accident Claim

  • Police Report
  • Medical Report, if required
  • Death Certificate, and documentary proof of relationship between deceased and claimant (in the event of death)

When making a third party property damage claim

  • E-filed accident report
  • Police report, if any
  • Independent surveyor's report with original photographs
  • Final repair bill and receipts
  • Car rental agreement, invoice and receipt, if any
  • Receipts for policy excess, if any

When making a third party bodily injuries claim

  • E-filed accident report
  • Police report
  • Police final investigation result
  • Original medical bills and/or receipts
  • Medical report, if required
  • Relevant supporting documents to substantiate various heads of claims

When making a claim on your windscreen

About MSIG

DriveShield is underwritten by MSIG Insurance (Singapore) Pte. Ltd. (MSIG) and distributed by DBS Bank Ltd. MSIG Insurance is one of Singapore's leading general insurers and a member of the MS&AD Insurance Group, the largest general insurer in Japan.

Please refer to the policy wordings (Value Plan or Premier Plan) for the full details of the terms, conditions and exclusions of this insurance.

Terms and Conditions Governing Purchase of Insurance Products from MSIG Insurance via the POSB website

Disclaimers

DriveShield is underwritten by MSIG Insurance (Singapore) Pte. Ltd. (“MSIG Insurance”) and is distributed by DBS Bank Ltd (“DBS”). It is not an obligation of, deposit in or guaranteed by DBS. This is not a contract of insurance. Full details of the terms, conditions and exceptions of this insurance are provided in the Policy and will be sent to you upon acceptance of your application by MSIG Insurance.

This Policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). For more information on the scheme, please visit the General Insurance Association or SDIC websites.

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