DriveShield

Frequently Asked Questions

About DriveShield Policy

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 authorized workshops. There are more than 35 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:

   1. 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
   2. 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
   3. Personal accident of up to S$100,000 to the Insured and up to S$50,000 each to your authorized driver and passengers
   4. Medical expenses of up to $1,000 per person
   5. 24-hr emergency medical evacuation and repatriation benefits of up to S$50,000 to the Insured following a motor accident in West Malaysia and certain parts of Thailand. Emergency breakdown assistance in Singapore, West Malaysia and certain parts of Thailand is 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 of 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.
   
   Details may 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.

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 car 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 services are provided under the Automobile Assistance Services?

   The following services are provided purely on a referral or arrangement basis by Int. SOS. MSIG Insurance (Singapore) Pte Ltd and Int. SOS 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 vehicle
   • Arrangement of rental vehicle
   • Arrangement of hotel accommodation assistance
   • Accident notification assistance
   • Police report assistance
   • Insured Vehicle repair referral
   • Locksmith referral
   • Arrangement of compassionate visit
   • Claims procedure assistance
   • Claims reporting assistance

   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 Int. SOS for the air and/or surface transportation for moving the Insured when in a Serious Injury, as a result of an accident arising from the use of the Motor Vehicle within the Geographical Area (excluding Singapore) to the nearest hospital where appropriate medical care is available. Int. SOS shall pay for the medically necessary expenses of such medical evacuation and repatriation incurred for up to $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 motor car 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 Claims 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.

12. What should I do in the event of an accident?
    
    Exchange particulars with other persons involved in the accident. Do take pictures of the damage of all vehicles and of the accident scene and record details of witnesses (if any).
    
    Any accident must be reported within 24 hours or the next working day of the accident through MSIG Insurance’s authorized workshops or at any Independent Damage Assessment Centre (IDAC).
    
    You will be assured that DriveShield offers assistance round the clock with a 24-hour helpline. 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