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.

Friends Who Read the Above Article Also Read:

1. NTUC Car Insurance – Scope of Coverage For Your Vehicle (Own Damage and Loss )
2. Different Types of NTUC Car Insurance
3. NTUC Car Insurance – Should You Sign Up For The Drivo Classic Plan or The Drivo Premium Plan?
4. Cancelling Your NTUC Car Insurance Policy
5. Renewing Your NTUC Car Insurance Policy

What comparing car insurance quotes do for you is identify the insurer that favors your car-driver profile the most. For example, one insurer prefers Honda while another prefers Hyundai. And this insurer may prefer insuring drivers between the age of 35 to 45 while another may prefer drivers above 50 years old. These differences arise due to the claims experience (history) of the individual company.

Just by spending a little time, you can achieve substantial savings every year on your car insurance. And if it’s mandatory to get motor insurance coverage, why not make your money work harder for you?

These savings can help you find your next vacation or another big-ticket item that you might have been saving up for. By the same token, it can easily pay off other debt. But wait…

…isn’t it very time consuming and troublesome to compare so many motor insurance quotes?

Fortunately it is now easier to compare car insurance quotes than before…with the help of the Internet. In the past, you will have to fork out a few hours of your precious time just to compare about 7 or 8 quotes. And it can be quite frustrating talking to some insurers whose phone line is perpetually engaged.

Just by spending about 2 minutes on a simple form, you can get as many as 12 or more quotations. This is enough for you to determine if your current insurer is the cheapest…or not.

One reliable place to get several car insurance quotations and compare their features and benefits at one glance is www.MotorInsuranceSingapore.com. You’ll only need to spend 2 minutes of your time in exchange for more than 12 quotations from various reputable car insurance companies in Singapore.

Friends Who Read the Above Article Also Read:

1. Renewing Your NTUC Car Insurance Policy
2. No-Claim Discount (NCD) for Car Insurance Policies
3. Should You Buy NTUC Car Insurance or Chartis Car Insurance?
4. NTUC Car Insurance – Scope of Coverage For Your Vehicle (Own Damage and Loss )
5. NTUC Car Insurance – Third Party Liability Coverage, Medical Expenses & Personal Accident Benefits

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.

Click Here to go back to Motor Insurance Singapore Home

Friends Who Read the Above Article Also Read:

1. Liberty Insurance – Summary of Main Benefits (Authorized Workshops)
2. EQ Insurance (Classic) – Summary of Main Benefits (Authorized Workshops)
3. AXA Insurance – Summary of Main Benefits (Authorized Workshops)
4. Should You Buy NTUC Car Insurance or Chartis Car Insurance?
5. Different Types of NTUC Car Insurance

Unfortunately, damage to the insured’s vehicle by anything other than fire and theft is not covered by under this policy.

Most car owners will opt for a comprehensive policy instead because of the Third-Party, Fire and Theft Insurance’s limited coverage.

Click Here to go back to Motor Insurance Singapore Home

Readers who are interested in the above article may also be interested in the sponsored links below:

Friends Who Read the Above Article Also Read:

1. Different Types of NTUC Car Insurance
2. Should You Buy NTUC Car Insurance or Chartis Car Insurance?
3. NTUC Car Insurance – Should You Sign Up For The Drivo Classic Plan or The Drivo Premium Plan?
4. How Does A Car Insurance Comparison Benefit You?
5. Protecting Your Car With Chartis AutoPlan Car Insurance

This is quite similar to the Act Liability Only Insurance, just that third-party insurance also covers against damage to property as well as accidents occurring on roads and private properties.

As the name suggests, this type of auto insurance doesn’t cover damage to the insured’s vehicle.

Click Here to go back to Motor Insurance Singapore Home

Readers who are interested in the above article may also be interested in the sponsored links below:

Friends Who Read the Above Article Also Read:

1. Different Types of NTUC Car Insurance
2. How Does A Car Insurance Comparison Benefit You?
3. Liberty Insurance – Summary of Main Benefits (Authorized Workshops)
4. AXA Insurance – Summary of Main Benefits (Authorized Workshops)
5. Should You Buy NTUC Car Insurance or Chartis Car Insurance?