NTUC Car Motor Insurance

December 15, 2010 · Posted in Authorized Workshops, Car Insurance Companies 

Insurance Available & Summary

Available for

  • Private Cars
  • Commercial Cars
  • Motor Cycle


  • DrivoPREMIUM (use your own or authorized workshops)
  • Drivo CLASSIC (use NTUC authorized workshops only)

Scope of Cover (source: http://www.income.com.sg/insurance/motor/)

  • Loss or damage to insured vehicle caused:
    1. by accident, fire, theft, strike, riot, civil commotion, flood, typhoon or other convulsion of nature
    2. whilst in transit between West Malaysia/Penang and Singapore/Johore
  • Windscreen damage to insured vehicle for its full value (an excess of $100 will apply).
  • Legal liabilities to third parties (including passengers).
  • Personal accident benefits for the policyholder at S$20,000/- and the passengers at S$10,000/- each.
  • Medical expenses benefits for the policyholder and the passengers at S$300/- each.

* An Excess of $600 will apply for all own damage claims excluding windscreen claim.

Full Market Value

Your car is automatically covered for the full market value. This ensures that you can claim the full repair cost and will never be under-insured should a major accident occur.

Plus Features

  • Waiver of Excess in the event of claim
  • Courtesy car benefit up to 14 days

Option for Lower Premium

Policyholder can take advantage of a lower premium by opting for a higher Excess. Premium reduction will be as follows:

Additional Excess Premium Reduction
$ 500 8%
$1,000 12%
$1,500 15%

The waiver of Excess under the Plus Features will be applicable to the standard Excess and not the additional Excess.

No Claim Discount (NCD) Protection

  • Policyholder with 50% NCD can opt to protect his NCD by paying 10% more
  • The 50% NCD will be protected if there is one accident during the preceding period of insurance

Waiver of NCD Penalty

  • We will waive the NCD penalty of the policyholder
    1. if he has been enjoying 50% NCD with us for 5 consecutive years or more
    2. if he has a claim from an accident which is less than $3,500
  • Waiver applies to one claim only in the year

Loyalty Rebate

Policyholders who insure with us for 3 consecutive years or have a life policy with us for the same period will enjoy a 5% loyalty rebate
Enquiry 98Income (9846 2663)


  • Workshops (All Repairs)
  • Workshops (Windscreen repairs only)
  • Workshops (Motor Cycle repairs only)

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