Car Insurance

Advocating safer roads for our community

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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

Save with the AIG On the Go app

Let AIG On the Go score your driving performance and stand to get up to 15% off your AIG auto insurance premium.

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AIG Road Safety Pledge

Make a commitment to bring your best every time you’re on the road. Whether you’re a driver, rider or pedestrian, we believe everyone has a role to play in keeping our roads safe.

Take the Pledge Now

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 of up to S$1,000 with an in-car camera footage	Share your in-car camera accident video footage with us. Help us to fight fraudulent claims, and get rewarded with up to S$1,080 (including GST) in excess waivers.*
Get a courtesy car while your car is being repaired	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-hour towing & roadside assistance	With AutoPlus, you will receive roadside assistance to fix minor problems such as flat tyres or flat batteries, and towing services after a breakdown. This service is free for you, anywhere in Singapore.

Videos

AIG AutoPlus Insurance Video

AIG AutoPlan Insurance Video

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 Car is over three years old: 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 passenger
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)

Learn more about auto insurance offerings

Extend your coverage

Unlimited loss of use

Get unlimited use of a courtesy car, delivered to you, for as long as your car is being repaired. Included with AutoPlus.

NCD Protector available for drivers with 30% to 50% NCD

Your first claim during the policy year will not affect your NCD.

AutoPlus and AutoPlan exclusive: AutoPlus and AutoPlan policyholders with 50% NCD will receive the NCD Protector when you renew your policy!

Age condition policy

Don't need to cover younger drivers in your policy? You can lower your premium by limiting the coverage to drivers aged 30, 35, or 40 years and above.

Flexible policy excess

Increase your policy excess to up to S$3,000 to lower your premiums, or reduce your policy excess to lower your out-of-pocket expenses.

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$3,240 (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.