Private Motor
Motor Insurance

With effect from 15 February 2021, all IDAC (Independent Damage Assessment Centre) will cease its accident reporting services for MSIG. 

Private Motor<br/> <sub>Motor Insurance</sub>

With effect from 15 February 2021, all IDAC (Independent Damage Assessment Centre) will cease its accident reporting services for MSIG. 

Product Description

Covers you and your passengers on the road, and gives you the flexibility of choosing workshops and more.

Key features

  • Enhanced benefits for electric vehicle owners at no extra cost
  • Comprehensive coverage of insured vehicle against accidental loss or damage
  • 24/7 Automobile and Medical Assistance Services

Private Motor insurance plan highlights

Car Loan Protection
MotorMax Plus offers $100,000 worth of car loan benefits to cover any outstanding car loan if the policyholder dies in a car accident.

New for Old Replacement
If your car becomes irreparable after an accident, we will replace it with a brand new one as long as your original car is less than 12 months old.

Transport Allowance
Receive a transport allowance if your car is being repaired.

Instant Quote
Quick and personalised motor insurance fee quote which you can save and retrieve online within 30 days.

24/7 Helpline
24/7 Helpline

Get help anytime, anywhere with 24-hour roadside assistance for towing, lockout or battery jumpstart services.

Claims Made Easy
Claims Made Easy

Wherever possible, you deal with only one motor insurance claims specialist throughout your case. Rest assured that we will come to your aid even in third-party liability claims.

Quicker Repair Approval
Quicker Repair Approval

Faster approval now for simple repairs! With MSIG’s Video Interaction Technology, our surveyors can assess and approve your car repairs virtually. Watch to learn more.

Customer reviews

ICON
Professional and Fast
We needed to get a new motor insurance policy quickly, as our previous insurer had exited the business. The service provided by MSIG's Ms Bernadette Sergio was professional from start to finish. She took the relevant details, provided a quote within 24 hours, answered our queries about how to complete the application form, and informed us as soon as the policy was issued. Throughout the 4 days that this whole process lasted, she was pleasant, reassuring and very patient.&nbsp;
by Joanne T. via Google Reviews
ICON
Smooth experience renewing
It was pleasantly smooth experience renewing my motor insurance, excellent customer service from Caryl!
by W K via Google Reviews
ICON
Fast windscreen claim
Made a claim through their windscreen authorized workshop and was impressed that the claim was looked into and processed within the same day. I was able to get my windscreen replacement the very next day. Thank you.
by KS T. via via Google Reviews
ICON
1st rate service
Kudos to MSIG for the way they handled my son's accident claim! Post-incident, MSIG contacted the other party to clarify the matter before providing advice on options for the next steps. The claims matter was closed quickly and efficiently within the week to the satisfaction of this very happy customer! Thank you, MSIG!
by Simlim Y. via via Google reviews
ICON
Excellent service standard
I sent my car to the workshop to repair the damaged windscreen. The technical adviser advised me that it will probably take about 3 days for MSIG to review and authorise the repair. But I was extremely delighted and impressed by the motor claims team in MSIG who responded and approved the repair within the same day. I am a very happy customer. Well done and keep up the excellent service standard.
by Alice R. via via Google Reviews
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Plan details

Benefits
Basic Cover
BENEFITS SUMMARY Limits of Liability
MotorMax MotorMax Plus
1

Comprehensive Coverage of Insured Vehicle against accidental loss or damage

Market Value of Insured Vehicle at time of loss or damage
2

Liability to Third Parties

Death or bodily injury to any person

Unlimited
Damage to property $5,000,000
3

Personal Accident Benefits

Policyholder

$20,000 $100,000
Authorised Driver and/or passenger (up to legal seating capacity) $10,000 each $50,000 each
4

Medical Expenses

Policyholder

Up to $1,000
Authorised Driver and/or passenger (up to legal seating capacity) Up to $1,000 each
5

Choice of Workshop for accident repairs to Insured Vehicle

MSIG's authorised 
workshops
Any workshops
6

Transport allowance while the vehicle undergoes repairs following accident damage. Cover starts from the first day of repair.
Additionally, if you are driving an electric vehicle and sustain a total loss following loss or damage by fire caused by the electric vehicle battery, you will be provided with this benefit for up to 30 days.
Please refer to FAQ No 8 for the illustration of the full benefit.

Not Covered Up to $60 per day
Max 10 days
7

New for Old Replacement (High performance, sports makes and high value vehicles excluded)

Replaces with a new vehicle of the same make, model and capacity up to $110,000 above the market value for electric vehicle (up to $100,000 for all other vehicle types) at the time of a Total Loss or Constructive Total Loss occurring within 12 months of its first registration, or pays for the difference.

Not Covered Covered
8

Loan Protection Benefits

Pays the outstanding loan amount in respect of the Insured Vehicle following accidental death of the Policyholder in direct connection with the Insured Vehicle.

Not Covered Up to $100,000
9

Windscreen

Windscreen Cover due to breakage, subject to excess of $100 for each claim.
Excess will be waived where repair to the windscreen is done instead of a replacement.

Auto reinstatement
10

Additional Benefits Applicable to Electric Vehicle

Emergency Electric Vehicle Towing Services

Provides emergency towing services when your electric vehicle runs out of electricity during use, subject to excess of $50 for each service engaged through our Auto Assistance helpline.

Not Covered Covered

Medical Expenses is extended to cover Policyholder, Authorised Driver and/or passenger injured by electric shock as a direct result of an electric vehicle battery leakage.

Not Covered Up to $2,000 each

Replacement of Car Lock and Keys

Not Covered Up to $250
11

24 hours Automobile and Medical Assistance Services

Auto Assistance Helpline Services such as emergency towing, roadside assistance, vehicle repatriation, accident & police report notification, locksmith referral and many more.

Available
Emergency medical evacuation and repatriation of the Policyholder for accidents within the Geographical Area (excluding Singapore) in connection with the Insured Vehicle. $50,000
12

Optional benefits

Excess Waiver will waive the standard policy Excess for the first 2 claims during the policy year.

Available

NCD Protector protects the policyholder’s NCD entitlement in the event of a claim. Applicable to holders of 30% NCD or higher.

Available
Important Notes:

Geographical Area:
Singapore, West Malaysia and the part of Thailand within 80 kilometres of the border between Thailand and West Malaysia.

Notes:
Cover is subject to an Excess for vehicle damage repairs.

An additional Young and/or Inexperienced Driver Excess of $3,000 applies for any person (other than Policyholder) who is under 27 years old and/or has held a valid driving licence for 2 years or less.

FAQs
No. Questions & Answers
1

Do I need to purchase a specific policy to cover my electric vehicle?

MotorMax Plus will provide coverage for your electric vehicle with additional benefits including Emergency Electric Vehicle Towing Services, enhanced Medical Expenses and Replacement of Car Lock and Keys.

You will also enjoy customized protection under New for Old Replacement benefit and daily Transport Allowance

For more information, please refer to the Benefit Summary.

2

What is Excess Waiver?

This is an optional benefit that you can add on with additional premium. It waives your standard policy Excess payable up to first 2 claims during the policy year.

Illustration:

You have purchased a motor insurance policy with a standard policy Excess of $600 and added in the Excess Waiver optional benefit. This means that you are not required to make any out-of-pocket payment towards the Excess for the first 2 claims in the policy year. Unfortunately, if you are submitting a third claim, you must pay $600 towards the Excess.

3

What is the Young and/or Inexperienced Driver Excess about?

This Excess applies in respect of a claim for loss or damage when the vehicle is driven by any person (other than the Policyholder) who is under 27 years old and/or held a valid driving licence for 2 years or less. This is payable on top of the standard policy Excess.

4

What is Market Value and how is this determined?

This is the assessed value of the vehicle at the time of the accident determined by comparing retail prices for vehicles of the same make, model, age and condition.

5

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

The NCD Protector is an optional benefit and is available only to holders of 30% NCD or higher at an additional premium. It protects your NCD entitlement in the event of a first claim in the policy year.

How it works:

  No. of claims made or arisen during the Period of Insurance NCD at the inception date of this policy
  30% 40% 50%
  0 40% 50% 50%
  1 30% 40% 50%
  2 0% 10% 20%
  3 or more 0% 0% 0%
6

Do I have to reinstate my windscreen cover after a claim? Will my NCD be affected?

The windscreen benefit covers the cost of reinstating any glass in the windscreen and windows including the in-vehicle unit (IU) subject to an excess of $100 each claim. The Excess will be waived where repair to the windscreen is done instead of a replacement. Such claims do not affect your NCD entitlement and your windscreen cover will be automatically reinstated at no cost to you.

7

Can I go to a workshop of my choice for accident repairs?

MotorMax Plus gives you the freedom to choose your own workshop including the dealer’s workshop in Singapore. With MotorMax, accident damage repairs would have to be done at any of MSIG’s Authorised Workshops conveniently located all around Singapore.

8

How does the Transport Allowance benefit works?

The benefit will pay $60 per day if you are driving an electric vehicle and $50 per day for all other vehicle types for approved accident repairs up to a maximum of 10 days.

If your electric vehicle sustains total loss following loss or damage by fire caused by the electric vehicle battery, the benefit will pay $60 up to a maximum of 30 days.

Sample computation:

  Repair Period Benefit payable
  Fully Electric Vehicle Petrol/Diesel/Hybrid
  5 days Pays 5 days x $60 = $300 Pays 5 days x $50 = $250
  14 days Pays 10 days x $60 = $600 Pays 10 days x $50 = $500
  30 days Pays 30 days x $60 = $1,800 Not Applicable
Important Notice & Disclaimers

This page is for general information only. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte Ltd.

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 us here or visit GIA or SDIC.

Insurance Promotions

MSIG Motor Insurance Promo

MotorMax / MotorMax Plus

Enjoy up to $120 e-vouchers! T&Cs apply.

Promotion ends on 6 May 2024

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