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Insurance Home » Motor Insurance » Why choose SmartDrive

Choosing the right car insurance is as important as choosing the right car. With SmartDrive Motor Insurance you can enjoy protection and service for your car in addition to special benefits for American Express® Card Members. 

Give your car the protection it deserves with SmartDrive Motor Insurance. With SmartDrive you can insure your car at its market value in case of total loss due to theft or accidental damage.

With AXA SmartDrive Premium Workshop scheme available only with the comprehensive plan, enjoy additional protection for yourself and named drivers such as:

  1. Reduction of Own Damage Excess for you and named drivers
    • 50% NCD - Nil Excess
    • 0% to 40% NCD - Excess Halved
    • Undeclared young and inexperienced driver excess reduced to S$2,500
  2. Repatriation cost whilst driving in West Malaysia and Peninsular Thailand at S$200 per person (limited to S$1,500 during the period of cover) and S$1,000  for your car to return to Singapore.
  3. Damage to or theft of personal effects and car accessories kept in the vehicle arising out of an accident whilst in Singapore, up to a maximum of S$3,000. 
  4. Enhanced personal accident cover up to S$30,000.

NCD Protector

To protect you from loosing out due to accidents that can happen to the safest driver, an extra shield has been created for you by AXA Insurance. If you have 50% NCD, add on the NCD Protector for a small premium and get maximum protection.

Here's how it works:

No. of claims made during
current period of insurance
NCD on Renewal
0 50%
1 50%
2 20%
3 or more 0

Your NCD is protected for all types of claims under your policy, and for accidents involving any of your authorized drivers. Stay protected against unexpected events.

AXA as one of the leaders in motor insurance in Singapore offers some key service elements for you:

Easy Sign Up

  • Instant Motor Coverage
  • Online quotation within 1 minute

Easy Access to Island wide AXA Premium Workshops

  • AXA  Premium Workshops  are located island wide. For a complete listing click here.

AXA Claims Service Guarantee* :

For Car Body: survey & repairs authorisation within 24 hours if you are making an own damage claim.

For Car Windscreen: replacement within 8 hours after authorization and subject to the immediate availability of the windscreen and necessary parts.

*Please click here to read the full details of the Claims Service Guarantee on the AXA website. 

It’s essential to be protected but it’s also important to enjoy value for money. SmartDrive gives you both.

Instant 15% Premium Savings
(Applicable for Comprehensive plan only)

Enjoy Instant Premium Savings with the AXA Premium Workshop Scheme (APW). Purchase the APW scheme and you’ll enjoy an instant 15% savings on your premium.

Safe Driver Discount

Are you a safe driver with 30% NCD or higher?If yes, you will get a Safe Driver Discount of 10%* from AXA. Discount is valid for a limited period.
*Only valid upon presentation of your Certificate of Merit which is accorded by the traffic police.

Assurance on Your Repair

9-month warranty on repairs if you take up AXA SmartDrive Premium Workshop Scheme. 

 Please refer to Policy Wordings for full terms, conditions and exclusions.



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