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Auto Protector (Scheme Exclusive) Plans FAQs

 

Policy-related

 

1. Is my unused No Claim Discount (NCD) Protector benefit transferable to other insurer?

No. NCD that is protected under NCD Protector benefit is not transferable to other insurers. Your protected NCD will only apply on your car insurance policy with AIG.

 

2. What happens to my NCD after a claim?

For each at fault claim your NCD will be reduced by 30%.

If you have the NCD Protector benefit, your NCD will not be reduced after the first claim in the policy year. Every subsequent claim(s) within the policy year will reduce your NCD by 30%.

Note: Your protected NCD will only apply if you renew your car insurance policy with AIG. If you switch insurer, your true NCD (without NCD Protector) after any at-fault claims will be applied.

 

3. Will I receive a refund if I cancel my car insurance mid-term?

Yes, you will receive a refund of 80% of the premium less a prorated amount to cover the period when you were covered under the policy. The formula to calculate the refund is:


Premium refund = No. of remaining days of coverage / No. of days in original period of insurance x Premium payable x 80%

 

You will receive a cheque for the refund within 4 to 6 weeks after the cancellation is complete. However, we will not be able to provide you with a refund if, on or before the cancellation of your policy:

  • claim as arisen;
  • the original certificate of insurance has not been sent to us, or
  • the premium due has not been paid

4. Which countries are covered under my car insurance policy?

Your car insurance policy covers Singapore and Malaysia and up to 80.5 km of the border between West Malaysia and Thailand.

 

5. Can I change the age condition of my policy mid-term?

You can change the “all age condition” once during the mid-term of your policy (subject to no claims on the policy). However, this is not applicable for Named Driver policies or policies with age restrictions.

 

6. What will happen if a driver outside the age condition gets into an accident while driving my car?

Your car insurance policy will not cover the damages to your car if a driver outside the age condition is involved in an accident.

 

7. Is flood damage covered under my car insurance policy? Will my NCD be affected in the event of flood damage?

Yes, flood damage is covered. Your NCD will not be affected if you make a claim for flood damage. However, you are obligated to take all reasonable steps to prevent your vehicle from further loss or damage – any such damage will be excluded.

 

Accident-related

 

8. What do I do if I get into a car accident?

If you are involved in an accident, please follow these steps:

  •  Check if anyone is injured. If there are injuries, call 995 or 999 for ambulance and police assistance. Do not move the vehicles unless absolutely necessary to rescue or extricate injured parties.
  • Take photographs of the accident scene. You should also take photographs of the other vehicle(s), capturing the extent of all damage. If you have an in-car camera, please provide the video footage to us for further review and to support in your claim or recovery against the third party.
  • Exchange information and particulars with the other parties involved. This will include, but is not limited to, the driver's name, telephone number(s), email, address, car licence plate number, and insurance information.
  • Bring your car to Cycle & Carriage Body & Paint Centre, located at 209 Pandan Gardens, Singapore 609339.
  • File an accident report at any of our approved reporting centres within 24 hours of the occurrence of the accident or by the next working day.

Under the Motor Claims Framework endorsed by the General Insurance Association of Singapore, you are required to file an accident report regardless of whether you intend to make a claim.

View the list of AIG’s approved reporting centres here.  

 

9. Who can I contact if I get into a car accident?

You can call our 24-hour emergency assistance hotline at 6338 6200.

 

10. Where can I send my car for accident-related repairs?

You can send your car to the Cycle & Carriage Body & Paint Centre, located at 209 Pandan Gardens, Singapore 609339.

 

11. If the accident happened on a Friday, weekend or public holiday, when is the deadline to file the accident report?

To avoid having your NCD or claim affected, the Motor Claims Framework endorsed by the General Insurance Association of Singapore requires you to file your accident report within 24 hours of the accident or by the next working day. Bring your car to Cycle & Carriage Body & Paint Centre to do the reporting.

 

Operating Hours:

Mondays to Fridays: 8.30am to 7pm; Saturdays: 8.30am to 1pm. Closed on Sundays and Public Holidays.

 

12.   What should I do if I get into a car accident outside of Singapore?

If the car accident happens within the approved geographical area of your policy, please make a police report in the country where it happened. Upon returning to Singapore, you are required to report the accident to any of the AIG-approved reporting centres with the police report you have made.

 

 

Policy-related

 

1. Is my unused No Claim Discount (NCD) Protector benefit transferable to other insurer?

No. NCD that is protected under NCD Protector benefit is not transferable to other insurers. Your protected NCD will only apply on your car insurance policy with AIG.

 

2. What happens to my NCD after a claim?

For each at fault claim your NCD will be reduced by 30%.

If you have the NCD Protector benefit, your NCD will not be reduced after the first claim in the policy year. Every subsequent claim(s) within the policy year will reduce your NCD by 30%.

Note: Your protected NCD will only apply if you renew your car insurance policy with AIG. If you switch insurer, your true NCD (without NCD Protector) after any at-fault claims will be applied.

 

3. Will I receive a refund if I cancel my car insurance mid-term?

Yes, you will receive a refund of 80% of the premium less a prorated amount to cover the period when you were covered under the policy. The formula to calculate the refund is:


Premium refund = No. of remaining days of coverage / No. of days in original period of insurance x Premium payable x 80%

 

You will receive a cheque for the refund within 4 to 6 weeks after the cancellation is complete. However, we will not be able to provide you with a refund if, on or before the cancellation of your policy:

  • claim as arisen;
  • the original certificate of insurance has not been sent to us, or
  • the premium due has not been paid

4. Which countries are covered under my car insurance policy?

Your car insurance policy covers Singapore and Malaysia and up to 80.5 km of the border between West Malaysia and Thailand.

 

5. Can I change the age condition of my policy mid-term?

You can change the “all age condition” once during the mid-term of your policy (subject to no claims on the policy). However, this is not applicable for Named Driver policies or policies with age restrictions.

 

6. What will happen if a driver outside the age condition gets into an accident while driving my car?

Your car insurance policy will not cover the damages to your car if a driver outside the age condition is involved in an accident.

 

7. Is flood damage covered under my car insurance policy? Will my NCD be affected in the event of flood damage?

Yes, flood damage is covered. Your NCD will not be affected if you make a claim for flood damage. However, you are obligated to take all reasonable steps to prevent your vehicle from further loss or damage – any such damage will be excluded.

 

Accident-related

 

8. What do I do if I get into a car accident?

If you are involved in an accident, please follow these steps:

  •  Check if anyone is injured. If there are injuries, call 995 or 999 for ambulance and police assistance. Do not move the vehicles unless absolutely necessary to rescue or extricate injured parties.
  • Take photographs of the accident scene. You should also take photographs of the other vehicle(s), capturing the extent of all damage. If you have an in-car camera, please provide the video footage to us for further review and to support in your claim or recovery against the third party.
  • Exchange information and particulars with the other parties involved. This will include, but is not limited to, the driver's name, telephone number(s), email, address, car licence plate number, and insurance information.
  • Bring your car to Cycle & Carriage Body & Paint Centre, located at 209 Pandan Gardens, Singapore 609339.
  • File an accident report at any of our approved reporting centres within 24 hours of the occurrence of the accident or by the next working day.

Under the Motor Claims Framework endorsed by the General Insurance Association of Singapore, you are required to file an accident report regardless of whether you intend to make a claim.

View the list of AIG’s approved reporting centres here.  

 

9. Who can I contact if I get into a car accident?

You can call our 24-hour emergency assistance hotline at 6338 6200.

 

10. Where can I send my car for accident-related repairs?

You can send your car to the Cycle & Carriage Body & Paint Centre, located at 209 Pandan Gardens, Singapore 609339.

 

11. If the accident happened on a Friday, weekend or public holiday, when is the deadline to file the accident report?

To avoid having your NCD or claim affected, the Motor Claims Framework endorsed by the General Insurance Association of Singapore requires you to file your accident report within 24 hours of the accident or by the next working day. Bring your car to Cycle & Carriage Body & Paint Centre to do the reporting.

 

Operating Hours:

Mondays to Fridays: 8.30am to 7pm; Saturdays: 8.30am to 1pm. Closed on Sundays and Public Holidays.

 

12.   What should I do if I get into a car accident outside of Singapore?

If the car accident happens within the approved geographical area of your policy, please make a police report in the country where it happened. Upon returning to Singapore, you are required to report the accident to any of the AIG-approved reporting centres with the police report you have made.

 

Policy-related

 

1. Is my unused No Claim Discount (NCD) Protector benefit transferable to other insurer?

No. NCD that is protected under NCD Protector benefit is not transferable to other insurers. Your protected NCD will only apply on your car insurance policy with AIG.

 

2. What happens to my NCD after a claim?

For each at fault claim your NCD will be reduced by 30%.

If you have the NCD Protector benefit, your NCD will not be reduced after the first claim in the policy year. Every subsequent claim(s) within the policy year will reduce your NCD by 30%.

Note: Your protected NCD will only apply if you renew your car insurance policy with AIG. If you switch insurer, your true NCD (without NCD Protector) after any at-fault claims will be applied.

 

3. Will I receive a refund if I cancel my car insurance mid-term?

Yes, you will receive a refund of 80% of the premium less a prorated amount to cover the period when you were covered under the policy. The formula to calculate the refund is:


Premium refund = No. of remaining days of coverage / No. of days in original period of insurance x Premium payable x 80%

 

You will receive a cheque for the refund within 4 to 6 weeks after the cancellation is complete. However, we will not be able to provide you with a refund if, on or before the cancellation of your policy:

  • claim as arisen;
  • the original certificate of insurance has not been sent to us, or
  • the premium due has not been paid

4. Which countries are covered under my car insurance policy?

Your car insurance policy covers Singapore and Malaysia and up to 80.5 km of the border between West Malaysia and Thailand.

 

5. Can I change the age condition of my policy mid-term?

You can change the “all age condition” once during the mid-term of your policy (subject to no claims on the policy). However, this is not applicable for Named Driver policies or policies with age restrictions.

 

6. What will happen if a driver outside the age condition gets into an accident while driving my car?

Your car insurance policy will not cover the damages to your car if a driver outside the age condition is involved in an accident.

 

7. Is flood damage covered under my car insurance policy? Will my NCD be affected in the event of flood damage?

Yes, flood damage is covered. Your NCD will not be affected if you make a claim for flood damage. However, you are obligated to take all reasonable steps to prevent your vehicle from further loss or damage – any such damage will be excluded.

 

Accident-related

 

8. What do I do if I get into a car accident?

If you are involved in an accident, please follow these steps:

  •  Check if anyone is injured. If there are injuries, call 995 or 999 for ambulance and police assistance. Do not move the vehicles unless absolutely necessary to rescue or extricate injured parties.
  • Take photographs of the accident scene. You should also take photographs of the other vehicle(s), capturing the extent of all damage. If you have an in-car camera, please provide the video footage to us for further review and to support in your claim or recovery against the third party.
  • Exchange information and particulars with the other parties involved. This will include, but is not limited to, the driver's name, telephone number(s), email, address, car licence plate number, and insurance information.
  • Bring your car to Cycle & Carriage Body & Paint Centre, located at 209 Pandan Gardens, Singapore 609339.
  • File an accident report at any of our approved reporting centres within 24 hours of the occurrence of the accident or by the next working day.

Under the Motor Claims Framework endorsed by the General Insurance Association of Singapore, you are required to file an accident report regardless of whether you intend to make a claim.

View the list of AIG’s approved reporting centres here.  

 

9. Who can I contact if I get into a car accident?

You can call our 24-hour emergency assistance hotline at 6338 6200.

 

10. Where can I send my car for accident-related repairs?

You can send your car to the Cycle & Carriage Body & Paint Centre, located at 209 Pandan Gardens, Singapore 609339.

 

11. If the accident happened on a Friday, weekend or public holiday, when is the deadline to file the accident report?

To avoid having your NCD or claim affected, the Motor Claims Framework endorsed by the General Insurance Association of Singapore requires you to file your accident report within 24 hours of the accident or by the next working day. Bring your car to Cycle & Carriage Body & Paint Centre to do the reporting.

 

Operating Hours:

Mondays to Fridays: 8.30am to 7pm; Saturdays: 8.30am to 1pm. Closed on Sundays and Public Holidays.

 

12.   What should I do if I get into a car accident outside of Singapore?

If the car accident happens within the approved geographical area of your policy, please make a police report in the country where it happened. Upon returning to Singapore, you are required to report the accident to any of the AIG-approved reporting centres with the police report you have made.