Protecting you beyond compensation
We do more to protect you on the road than merely compensating you if an accident occurs. For instance, we’re using telematics to evaluate driving behaviour. Safer drivers earn discounts off their AIG auto insurance premiums on top of NCD. By incentivising safer drivers and lowering the chances of accidents, we protect you from the unexpected. Take a look below to see how else we protect you on the roads to ensure safer and smoother journeys.
Road Safety Initiatives
Key benefits
Brand new replacement car | With AutoPlan and AutoPlus, we will pay for a new car of the same make and model if yours is damaged beyond repair within three years of purchase. |
Policy lifetime repair guarantee | This is offered on workmanship and paintwork for your own damage accident repairs carried out by any of our authorised workshops and manufacturer authorised repairers. |
Excess waiver for in-car camera | Prevent fraud and lower your excess payments by up to S$1,000 when you share your in-car camera's accident footage with us. |
Courtesy car for as long as you need it | We will deliver a courtesy car to you for use while yours is being repaired. Included in AutoPlus and optional for other plans. |
Free 24/7 roadside assistance | With AutoPlus, get free towing if your car breaks down, and roadside assistance to fix minor problems, such as a flat tyre, anywhere in Singapore. |
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What is covered?
AutoPlus (max. limit)Most comprehensive cover, with unlimited loss of use, 24/7 roadside assistance and excess waiver included. | AutoPlan (max. limit)Extensive coverage, with your choice of any workshop for accident repairs. | AutoValue (max. limit)Covers all the basics at a great price. | |
| Benefits | |||
| Brand new replacement car For cars less than 3 years old that are damaged beyond economical repair. Covers full purchase price of a new car (same make and model). | Included | Included | - |
| Choice of workshop | Car is three years old and below: Dealer or AIG authorised workshops
| No restriction | AIG authorised workshops |
| 24-hour towing and roadside assistance | Free | - | - |
| 24-hour towing after an accident | Up to S$500 per accident | Up to S$300 per accident | Up to S$500 per accident |
| Waiver of excess on accident repairs For first claim at an AIG authorised workshop, depending on your No Claim Discount (NCD). | 50% NCD: Full waiver of Excess up to S$1,000
Below 50% NCD: Half waiver of Excess up to S$1,000 | - | - |
| Cover for car key Cost of replacing car lock and key if your car key is stolen. Locksmith or towing costs if you accidentally lock your keys in the car (S$50 excess applies). | Up to S$800 | Up to S$800 | Up to S$800 |
| Windscreen replacement cover Excess of S$100 applies. | Unlimited | Unlimited | Unlimited |
AutoPlus (max. limit)Most comprehensive cover, with unlimited loss of use, 24/7 roadside assistance and excess waiver included. | Auto Plan (max. limit)Extensive coverage, with your choice of any workshop for accident repairs. | AutoValue (max. limit)Covers all the basics at a great price. | |
Benefits | |||
| Personal accident cover | S$50,000 | S$20,000 | S$20,000 |
| Personal accident cover for passengers | S$10,000 per passenger | S$10,000 per passenger | S$10,000 per |
| Medical expense cover for everyone in the car | S$500 per person | S$500 per person | S$500 per person |
| Cover for liability to your passengers | Unlimited | Unlimited | Unlimited |
| Cover for third-party liability due to negligence of your passengers | Unlimited | Unlimited | Unlimited |
AutoPlus (max. limit)Most comprehensive cover, with unlimited loss of use, 24/7 roadside assistance and excess waiver included. | AutoPlan (max. limit)Extensive coverage, with your choice of any workshop for accident repairs. | AutoValue (max. limit)Covers all the basics at a great price. | |
| Benefits | |||
| Cover for loss or damage caused during a strike, riot or civil commotion | Up to the market value of the car | Up to the market value of the car | Up to the market value of the car |
| Cover for flood or windstorm damage | Up to the market value of the car | Up to the market value of the car | Up to the market value of the car |
| 24-hour claims procedure enquiry hotline | Free | Free | Free |
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg)
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Before you buy
Young and/or inexperienced driver excess
In addition to the policy excess, a young and/or inexperienced driver (YIDR) excess of S$3,210 (including GST), applies to you or any authorised driver (named and unnamed) who is below the age of 23 (in case of all age condition policies), has less than two years’ driving experience, or both. The YIDR excess is not applicable to named driver policies.
