Start of menu
Search Singapore website
Close Menu

Motor Insurance

FAQs

Cover and Benefits
What is the additional excess for SmartDrive policy?

The additional excess is as follows:


a. Unnamed Driver


Item Unnamed Driver Additional Excess Applicable per Accident
1. 27 years old and above with one or more year's driving experience. S$500
2. Below 27 years old or less than one year driving experience. S$2,500 for AXA Premium Workshops
S$5,000 for non AXA Premium Workshops


b. Named Driver


i. Additional excess of S$500 will be charged for young and inexperienced driver who is below the age of 27 years old and/or the holder of a valid probationary qualified relevant driving licence, including local and foreign driving licenses.

Can I buy up or buy down the excess?

You can waive the excess with the payment of an additional premium or double the excess in exchange with a discount in premium.

Can I change plans during the policy term?

You can only choose to change your plan at the renewal of the policy.

Can I add in additional driver during the policy term?

Yes. Additional pro-rated premium may be charged depending on the profile of the driver. Please provide the following details of the additional driver for AXA Insurance underwriting consideration:

a . I/C number
b . Date of Birth
c . Sex
d . Marital Status
e . Occupation
f . Driver experience
g . Relationship of the named driver to the insured
Does your SmartDrive policy cover me when I drive my car outside of Singapore?

SmartDrive covers you in:


(a) The Republic of Singapore

(b) West Malaysia

(c) Transit by direct sea route across the Straits between Penang and the mainland of West Malaysia

(d) Direct sea route across the Straits between Changi Point, Singapore and Tanjong Belungkor, Johore

(e)Peninsular Thailand (subject to a maximum period of fourteen (14) days for each and every trip).

I have overseas friends and relatives coming to Singapore very often. Can they drive my car?

You can check with the Traffic Police with regards to regulations for foreign driver. On top of the basic excess, an additional excess will apply based on the following table:


Item Unnamed Driver Additional Excess Applicable per Accident
1. 27 years old and above with one or more year's driving experience. S$500
2. Below 27 years old or less than one year driving experience. S$2,500 for AXA Premium Workshops
S$5,000 for non AXA Premium Workshops
My son has just obtained his driving license. Do I have to inform AXA Insurance?

You need not inform AXA Insurance as long as he is driving your car with your permission and possesses a valid driving license but in the event of a claim, an additional excess of $5,000(for non AXA Premium Workshops) or $2,500(for AXA Premium Workshops) in addition to the basic excess will be applicable (inexperienced driver). You may choose to name your son as a named driver once he has completed his 1 year probationary license. An additional premium will be chargeable with an additional excess of $500/-.

Do you insure modified vehicles?

Yes, however modifications to your motor vehicle have to be declared and is subjected to AXA Insurance approval.

No Claims Discount
Can I transfer my No Claim Discount Protector (NCDP) to another insurer?

No, NCDP protection will be specific to the existing insurer only and cannot be transferred to another insurer.  

What do I need to submit to claim for my 5% safe driver’s discount if my NCD is 30% and above?

Please submit a copy of Traffic Police’s safe driver’s eligibility certificate in your name. You can print this from the website at www.ecitizen.gov.sg -> Eservices-> Electronic Driver Data & Enquiry System (EDDIES) ->Driving License Information -> Key in NRIC/FIN/SingPass. 

How is my NCD impacted when I have an accident?

Your NCD will be impacted as follows:

Current NCD  NCD Upon Renewal
50% 20%
40% 10%
0-30% 0%
Can I choose to insure at a fixed sum insured?

Yes, however fluctuating COE prices may affect the sum insured of the vehicle which may result in under insurance should the COE prices increase, as compared to insuring based on market value. Therefore, we would recommend to insure at a fixed sum insured for high performance vehicles only.

What are the options available to me to pay my premium?

Payment must be made with an American Express® Card issued by American Express International, Inc. (“American Express”) in Singapore. (Excludes American Express Corporate Card and American Express Cards issued by DBS Bank Limited, United Overseas Bank Limited, Citibank Singapore Limited. and EZ-Link Pte. Ltd.)

How do I receive my Policy Document?

You will receive your Policy Document via email within 5 working days after you have successfully completed your online purchase.

How do I know if my payment has gone through and the purchase has been successfully completed?

You will receive an instant email notification upon successful completion of your online purchase

Can I pay for my insurance using someone else’s credit card?

Yes. However, please note that all refunds will be credited back to the original payment mode.

Do you provide premium discount for drivers with Certificate of Merit?

Yes. If your NCD is 30% and above, AXA Insurance will give you a Safe Driver Discount(SDD) of 5%. You may check your SDD eligibility from the website at www.ecitizen.gov.sg-> Eservices-> Electronic Driver Data & Enquiry System (EDDIES) ->Driving License Information -> Key in NRIC/FIN/SingPass. 

  

Who underwrites my insurance?

Your insurance is underwritten by AXA Insurance Pte Ltd. 

The above FAQs should be read and construed in light of, and subject to, all terms, conditions and exclusions contained in the Policy Wordings 

Underwritten by:

  • Facebook - Link will open in a new window

Copyright © 2017 American Express Company. Users of this site agree to be bound by American Express Web Site Rules and Regulations. American Express International, Inc.(UEN S68FC1878J), Incorporated with limited liability in the state of Delaware, USA with a place of business at 10 Marina Boulevard #15-00, Marina Bay Financial Centre Tower 2, Singapore 018983.