FAQ On General Insurance

Choose the FAQ you might have from the section below to find the answers frequently asked by our clients or key your question in the text field to look for answers.

Feel free to drop us a note if question is not found here. We will be more than happy to assists.


General Questions

All three refers to your out of pocket charges, even if you have insurance. A Deductible is an initial amount you must pay before your insurer will start to contribute. A co-payment is a pre-agreed flat amount you pay toward each bill and Co-insurance is a fixed percentage, rather than a flat amount, that you contribute towards that outlay.

No. Generally for travel insurance, personal accident, motor and home content & lifestyle insurance. No medical checkup is required. Do note that however, the insurer do not cover pre-existing conditions.

Home Content & Lifestyle Insurance

We have just the right insurance for you which cover your home content and lifestyle (luxury items etc) and renovations, speak to us now to find out more

Yes, we can help you get a quote to have your valuables covered under your lifestyle and home contents policy. Do note that here may be limits per item to avoid inadequate coverage in the case of a total loss.

Most insurers do not automatically provide world-wide coverage for your belongings . So, if you lose your expensive jewelries etc overseas, coverage might not apply. It is therefore important to choose an insurer who provides worldwide cover.

With existing property loan from:

  1. HDB: HDB Fire Insurance is compulsory. A plan covering home contents and renovations should be purchased on top of this.
  2. Banks: Usually, fire insurance is packaged with the loan. A plan covering home contents and renovations should be purchased on top of this. 

In the absence of a property loan, it is recommended that all homeowners buy a fire insurance and home contents and renovation insurance.

Home Content refers to any physical and movable household items or personal belongings including money and valuables kept within the premises that belong to you or your family members. 

Building refers to the building structure of your home. For Housing Development Board (HDB) flats, condominiums, apartments or cluster houses, it will include the building structure (but not the foundations), fixtures and fittings based on HDB’s or the property developer’s standard specifications. For landed properties such as bungalows, semi-detached and terrace houses, it will include the building structure (but not the foundations), garages, outbuildings, swimming pools, terraces, footpaths, driveways, gardens, gates, fences and other private areas you own and which the public do not have access to.

You buy home contents insurance to protect what you own. Home contents insurance is a general insurance plan designed to protect the value of movable items within a residential property. Home contents insurance therefore, complements Building Insurance. Safety at home and the risks around contents are often taken for granted so the importance of insurance protection is easily downplayed. 

Motor Insurance

A 10% discount offered to drivers who drive a whole year without any accidents which they are liable for. For each year you drive accident free, insurers will increase the discount up to a maximum of 50%. In some cases, this can be transferred between spouses and insurers.

For a piece of mind, always invest in a better comprehensive motor insurance

You can contact us to request a change to be made to your cover. This is however subject to the approval of the Insurer.

Get details of the officer (fire brigade) who attends to the fire and a copy of the fire report.; If your car is damaged in an arson attack, report it to the police so that they can investigate and find the culprit. Get a copy of the police report and call us so that we can assist to lodge a claim with your motor insurer. Alternatively, you may also call the respective Insurer’s emergency hotline which has been given at the inception of you policy.

Report it immediately to the police so that they can investigate the matter and try to find the vehicle. Get a copy of the police report and call us so that we can assist to lodge a claim with your motor insurer. Alternatively, you may also call the respective Insurer’s emergency hotline which has been given at the inception of you policy.

We have 3 different plan types depending on your needs. They are Comprehensive, Third-Party Fire and Theft and Third-Party only.

The date of the motor insurance coverage when you initially bought the insurance did not tie in with your road tax expiry. You can check the date of your next road tax expiry and inform us to let the insurer quote you for the differences. This process is fairly quick and usually updated in LTA database within 3 business days after receiving your top up payment.

Windscreens and windows are covered against damage under the Comprehensive Motor Insurance plan (Subject to an applicable deductible by the Insurer).

Yes. You just tell your car dealer that your are purchasing your motor insurance through us.

We recommend comprehensive motor insurance because it provides the highest widest levels of protection you can get for your motor vehicle and your legal liability.

Third-party only and third-party, fire and theft policies cover damage to others as the result of an accident that was deemed your fault. Any damage to your own car is not covered.

Third Party vs Comprehensive Motor Insurance

Third party car insurance, also commonly referred to as ‘third party only’ in Singapore, provides you with the minimum coverage required under Singapore law. If you find yourself involved in a collision with another vehicle, third party coverage can protect you from the costs of claims by a third party against yourself.

Third party only insurance on a motor vehicle provides you with coverage for liabilities to third parties for property damage, injury, or death. Singaporean law requires that all drivers in the country hold at least a minimum level of car insurance, which means all basic plans will cover:

  • Death or bodily injuries to third parties (including passengers)
  • Damage to property belonging to third parties
  • Accidents occurring on the road and on private property

Such plans generally also provide coverage for property damage, despite there being no actual legal requirement to do so.

Third party fire and theft

Similar to third party policies, these plans include an important addition: vehicles are covered as property. The result is that property insurance can be applied to damages or loss resulting from a fire or a theft. 


As the name states, third party car insurance does leave some coverage gaps that more comprehensive policies insure. Third party only plans are often the cheapest car insurance plans in Singapore, and that’s because they can make the following exclusions:

  • Damage to your car and property
  • Personal injury or death
  • Roadside assistance
  • Broken windscreen coverage for damage caused by debris or negligence

Personal Accident

Different Insurance Policy provides different definition on “Accident”. However, in Insurance context it is generally an event which is sudden, unforeseen and unexpected that results in the Insured person suffering death or permanent disablement or injury.

Personal Accident Plan is a type of general insurance that provides policyholders with financial support in the event of an unfortunate accident occurring. Payouts are either in the form of a reimbursement basis, based on medical expenses incurred, or a lump-sum payout, depending on the type of injuries sustained.

Whilst many people may already be enjoying coverage from their company’s group insurance plan, these plans provide coverage up to a certain limit. However, some occupations and lifestyle would also require a higher degree of coverage as they are generally deemed as riskier, thus it is always good to purchase a personal accident plan for yourself to enjoy a higher level of insurance protection.

For a start, even with a hospitalization plan, your medical expenses may not be fully covered. Furthermore, a minor accident which does not leave you hospitalised may still require x-rays and MRI scans and other follow-up treatments. A personal accident plan helps you defray some of the out-of-pocket expenses arising from these treatments.

For individuals who are self-employed, buying a personal accident plan can provide additional protection on top of their existing private integrated shield plan. That’s because most personal accident plans provide policyholders with added coverage such as a weekly payout, up to a certain cap, if a policyholder is unable to work due to a temporary injury sustained from an accident.

Beyond permanent injuries sustained, medical expenses are also covered under most personal accident plans on a reimbursement basis. The total amount that is claimable depends on the coverage limit. Depending on the plan obtained, expenses that can be claimed from include surgical, hospital expenses.

Depending on the plan obtained, it is common that a Personal Accident Plan include coverage for registered TCM expenses up to the policy sub-limit.

Yes, you are eligible to apply for more than one Personal Accident Plans subject to approval by Insurer.

If you have to make a claim for medical expenses (or other indemnity sections), you can only seek reimbursement under one policy and the amounts that have not been reimbursed under any other policy. Do make sure to check your benefits to see which ones are claimable.

In general you can apply for this Policy if you are between the age of 18 to 65 years old. You must be a Singapore Citizen, Singapore Permanent resident or a foreigner holding a valid pass issued by Singapore government and is residing in Singapore.

Travel Insurance

No, your travel plan does not have the auto-renewal feature. However, We will send out renewal invitation to you about 1 month before your policy expires.

As long your trips does not exceed 90 days, an annual travel policy allows you to take an as many trips as you like within 12 months policy period (within the selected geographical region)

For annual travel plans, you are covered for unlimited trips for a duration not exceeding 90 days per trip. For single-trip plans, the maximum number of days per trip is usually 182.

In a medical emergency, accident or unexpected illness while travelling, comprehensive policies offer reimbursement for relevant medical expenses, do note that this is subject to policy limits and exclusions.

You should call the 24-hour emergency assistance hotline given at the commencement of you policy and provide the following information: -Your Name -Your Policy Number -Your Current Location -A description of your condition or symptoms and the nature of assistance you require

Most local medical insurance policies do not provide coverage out of your home country. If you are traveling overseas it is therefore important that you buy travel insurance to ensure that you are covered for evacuation and repatriation.

We recommend that you buy your travel insurance as soon as you have booked your trip. In the event that there are any unforeseen circumstances or situations that render you unable to travel, such as serious illness or collapse of your travel agency, you will generally be covered for any non-recoverable travel and accommodation expenses that you have already paid.

When you travel outside your own country you may be faced with mishaps, expenses and liabilities. The impact of these can be beyond what you expect or what you could bear. Travel insurance will cover quite a few of these events, so it is definitely a worthwhile consideration. Do you know that even a trip across the causeway is considered an oversea trip, it is recommended that you buy annual trip to cover your trips to Malaysia.

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