Every NTUC car insurance policy you buy insures you against third party claim liabilities. This means if anyone (third party) sues you for losses or damages, your insurance policy can pay out the compensation. You won’t have to dip into your own pocket to handle such eventualities.

Under NTUC Income, you will be protected against legal liabilities due to any accident. Thus you are covered against any deaths or bodily injury you cause to anyone. And you are protected (up to S$5,000,000) from any potential damage you may cause to any property arising from any one accident.

If someone else drives your car and gets into an accident, he is also covered. This is provided he or she is not concurrently insured under other car insurance policies. The coverage even extends to any of your passengers who are getting in and out of your vehicle or simply riding in it.

This benefit also applies should you be driving any other car not belonging or hired to you, provided this particular car is not covered by any other insurance for any loss or liability.

Medical Expenses

NTUC Income pays you, your named driver or your passengers up to $300 for medical expenses. Each party must be injured whilst in your car as a direct and immediate result of an accident involving your vehicle. Also, the number of passengers in your vehicle at the time of the accident must not exceed its seating capacity.

Personal Accident Benefits

Payment for personal accident benefits is shown in the Scale of Compensation issued together with your Certificate of Insurance. Each of your passengers and authorised driver will receive half of the amount stated.

Under the scale of compensation, you may receive the following amounts in case of eventualities:

- Death: $20,000
- Total and irrecoverable loss of all sight in both eyes: $20,000
- Total loss by physical severance at or above the wrist or ankle of both hands or both feet or of one hand together with one foot: $20,000
- Total loss by physical severance at or above the wrist or ankle of one hand or one foot together with the total and irrecoverable loss of all sight in one eye: $20,000
- Total and irrecoverable loss of all sight in one eye: $10,000
- Total loss by physical severance at or above wrist or ankle of one hand or one foot: $10,000

Finally, please note that you will find many exclusions as you read through the policy wording. This is because the insurer does not want anybody to profit from accidents nor take advantage of any loopholes in their insurance policy.

Apart from NTUC car insurance, you can also opt for Chartis car insurance or AXA car insurance. If you need car insurance quotes from reputable insurance companies such as these (and more), click on www.motorinsurancesingapore.com to find out more.

NTUC car insurance is from NTUC Income, one of the biggest insurance companies in Singapore. Drivers will almost always hear about NTUC insurance from the first day they own a car. This is because of their huge market share in car insurance as well as other life and general insurance products.

Here are some car insurance plans you can find at NTUC Income:

1. Classic Plan

NTUC’s classic plan is one of the most popular in the market. It compensates you for loss or damage due to fire or theft. On top of this, you can cover the repair or replacement cost of your windscreen at any NTUC Income’s appointed windscreen workshop.

This policy restricts your repairs to NTUC Income’s Quality Workshops. Nevertheless with this arrangement, your car insurance can be more competitive than the Premium Plan.

For medical expenses, you can claim up to $300. NTUC offers personal accident benefits of $20,000. As with most car insurance policies, towing service is provided up to $200. This is sufficient for almost every towing job.

Finally, the Classic Plan compensates any death or injury to third party and also damages to any third party property.

2. Premium plan

The Premium Plan differs from the Classic Plan such that you can go to any workshop for accident repair.  All other benefits remain the same as the Classic Plan.

3. Classic Plus and Premium Plus Plans

The Classic Plus and Premium Plus Plans are upgrades from the Classic and Premium Plans. With additional premium, you can claim daily transport allowance should your car take more than 3 days to repair. Nevertheless you can only claim up to 7 days. So you have to decide if this feature is suitable for you…or not.

4. Third Party fire and theft

The third party fire and theft (TPFT) policy only covers for loss or damage by fire or theft. All other third party compensation remains the same as a comprehensive coverage.

5. Third Party Only

A third party only (TPO) insurance is quite similar to the third party fire and theft coverage. However a TPO policy does not cover any loss or damages by fire or theft.

It is not difficult to get the right car insurance for your vehicle since there are so many plans available. Many drivers opt for the classic plan since it is both affordable and comprehensive. For others who want additional benefits and protection, they can go for the Premium Plan or even the Premium Plus plan.

Do you know that your motor insurance also provides you with personal accident benefits? The insurer will pay you a lump sum of money for accidental death or bodily injuries if the accident is in direct connection with your vehicle or while traveling in or mounting/dismounting from your private motor car.

Generally the compensation amount is as follows although it may vary with different insurers:

a) “Death” – S$20,000
b) “Total and irrecoverable loss of sight in both eyes” – S$20,000
c) “Total loss by physical severance at or above the wrist or ankle of both hands or both feet or one hand together with one foot” – S$20,000
d) “Total loss by physical severance at or above the wrist or ankle of one hand or one foot together with the total and irrecoverable loss of all sight in one eye” – S$20,000
e) “Total and irrecoverable loss of all sight in one eye” – S$10,000
f) “Total loss by physical severance at or above the wrist or ankle of one hand or one foot” – S$10,000

Note that you’ll be compensated under only ONE of the above categories. The claim is usually limited to ONE accident during the (one-year) period of insurance you have with your insurer.

On top of the above coverage, passengers of your vehicle are also covered up to half of the amount for each category stated above.

As with all other insurance coverage, the insurer will not pay under certain circumstances. These include intentional, self-inflicted injury, suicide (even attempted suicide), physical (or mental) defect/infirmity, and drunk driving or driving under the influence of drugs.

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