Car & Motor Vehicle Insurance

QBE’s motor insurance cover is designed to meet the needs of individuals looking to cover:

Accidents and damage to vehicles
Theft
Third party liability

Summary of Coverage / Benefits	Description
Protection and removal after accident	Limit up to S$300, for towing fees following loss or damage insured under the Policy.
Third party property damage (TPPD)	Limit up to S$10,000,000
Medical expenses	Limit up to S$300 per injured person in the event of an accident
Personal accident benefits for insured	Limit up to S$20,000 during any one period of insurance
Personal accident benefits for passengers	Limit up to S$10,000 per person, aggregate up to S$50,000 during any one period of insurance
Windscreen cover	Unlimited windscreen cover for first 2 windscreen claims during one period of insurance No windscreen excess applicable and NCD will not be affected Subject to compulsory reinstatement with additional premium
Loss of use	Limit: S$250 per policy period, S$50 per day up to 5 days. This is applied to repairs which are more than 5 days.
No claim discount (NCD) protector	Free No Claim Discount (NCD) Protector for all levels of NCD policyholders (10% NCD & above) Protects the NCD regardless of the number of claims Non-transferrable to other insured or insurer
Safe Driver Discount (SDD)	Additional 5% SDD regardless of NCD level with proof of Certificate of Merit (COM)
Workshop	QBE approved repairer only
Franchise workshop	Only applicable for vehicle under original manufacturer warranty. Additional excess of S$750 apply unless purchase waiver with additional premium
New car replacement	Replace or pay the full purchase price. Applicable for brand new vehicles up to 36 months
Excess for young and/or inexperienced driver - All Claims	Excess of S$3,500 is applicable for each and every event for driver aged below 23 years old and/or with less than 2 years of driving experience in Singapore
No Claim Discount (NCD) validity period	NCD is valid for up to 3 years from the date of expiry or cancellation of your last motor policy

Policy Owners' Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact QBE Insurance (Singapore) Pte Ltd or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Important Notice:
The above only serves as a general description of our products and services. For full product details and coverage, please check with your local insurance broker or a QBE authorised agent.

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