Car Insurance FAQs

1. I am an AIG AutoPlus private car customer and have 30% No Claim Discount (“NCD”) on my policy. The excess applicable to my policy is S$1,500. I had an accident involving another vehicle recently. AIG assessed that I was not at fault due to the submission of my in-car camera video recording, which I handed to AIG on the next working day after the accident. My car is being repaired at AIG’s authorised workshop. How much excess waiver do I enjoy?

Since your car is being repaired at our authorised workshop and your NCD is below 50%, you will be eligible for a 50% excess waiver up of to S$1,000 (provided this is the first accident during the period of insurance). On top of this, given that you have fulfilled the terms for in-car excess waiver, you will be able to enjoy another S$500 excess waiver. This means that your total applicable excess waiver or out-of-pocket cost is reduced by S$1,500. Overall, you will not need to pay any excess.
At times, liability assessment can take longer due to investigations. If the liability assessment is not finalised when your car is ready for collection from the repairer, you will have to pay the excess first and AIG will reimburse you once the liability assessment has been concluded.

 

2. I am an AIG Auto Protector private car customer and have 50% NCD on my policy. The excess applicable to my policy is S$1,500. I had an accident recently involving another vehicle and I submitted the video recording from my in-car camera to AIG 2 days after the accident. It was established that I was at fault. My car is being repaired at my dealer’s workshop. How much excess waiver do I enjoy?

As you are established to be at fault for the accident, you will be eligible for a 50% excess waiver, i.e., your out-of-pocket expense will be reduced by S$750 for your accident repair at the dealer’s workshop.  Your video recording that was submitted would also help AIG to assess and settle any third party claims fairly.
At times, liability assessment can take longer due to investigations. If the liability assessment is not finalised when your car is ready for collection, you will have to pay the excess first and AIG will reimburse you once the liability assessment has been concluded.

 

3. I am an AIG Auto ValuePlus private car customer and have 50% NCD. The excess applicable to my policy is S$1,000. I had an accident recently but no other vehicle was involved. My car is being repaired at AIG’s designated authorised workshop for Auto ValuePlus. Do I enjoy excess waiver for submitting the in-car camera video recording of the accident?

In-car camera excess waiver is only applicable when you are involved in an accident with a third party vehicle. Although the in-car camera excess waiver does not apply to you, if this was your first accident during the period of insurance and you were the driver at the time of accident, you are still eligible for an excess waiver of up to S$1,000 under our excess waiver for safe drivers offered to our Auto ValuePlus customers.

 

4. What if my in-car camera is damaged in an accident – does AIG cover my in-car camera?

AIG offers cover for your in-car camera provided you declare it under fixtures and fittings with a specified sum insured when you purchase your car insurance policy. In the event that your in-car camera is damaged in an accident, we will either replace it or repair it up to the sum insured.

1. I am an AIG Auto ValuePlus private car customer. Can I go to my own workshop to repair the dent on my car? Do I need to pay any excess if I make a claim under this dent cover?

You can only repair the dent at AIG’s designated authorised repairer for dent cover. There is no excess payable by you for repairing the dent on your car. The limit for this coverage is up to S$50 per dent, up to two times per policy period.

 

2. I am an AIG Auto ValuePlus private car customer. Will my NCD be penalized for making a claim to repair my dent at AIG’s authorised repairer for dent cover?

Your NCD will not be penalized for making a claim for this coverage at AIG’s authorised repairer for dent cover.

1. I purchased my AIG car insurance policy before 1 August 2016. Am I covered for the Policy Lifetime Repair Guarantee?

The Policy Lifetime Repair Guarantee is offered on workmanship and paintwork for your own damage accident repairs carried out by any of our Authorised Repairers subject to these terms and conditions:

• The coverage for the Policy Lifetime Repair Guarantee starts on 1 August 2016. Hence, we will cover your own damage repairs as long as the date of the accident is on or after 1 August 2016. It does not matter if you purchased your AIG car insurance policy before 1 August 2016 as long as your policy is in force and you meet the terms and conditions of the Policy Lifetime Repair Guarantee.
• The Policy Lifetime Repair Guarantee is limited to the authorised workshops (“Lifetime Repair Guarantee Workshops”) listed below:

 

Lifetime Repair Guarantee Workshops:

1. Century Motors (Singapore) Private Limited, 6 Marsiling Lane, Singapore 739145
2. ComfortDelGro Engineering Pte Ltd, 205 Braddell Road, Singapore 579701
3. Diplomat Parts Pte Ltd, 209 Pandan Garden, Singapore 609339
4. Kan Fook Sing Motor Workshop, 8 Defu South Street 1, JTC Defu Industrial City, #04-29, Singapore 533758
5. Lai Huat (Meng Kee) Motor Pte Ltd , 160 Sin Ming Drive, Sin Ming AutoCity, #04-01/02, Singapore 575722
6. Mova Automotive Pte Ltd Blk 1008 Bukit Merah Lane 3 #01-04/06/08 Singapore 159722
7. Premium Autocare Centre, 24 Benoi Sector, Singapore 629857; 281 Alexandra Road, Singapore 159938
8. Progressive Car Care Pte Ltd, Blk 3022A Ubi Road 1, #01-45/46, Kampung Ubi Industrial Estate, Singapore 408716
9. SME Motor Pte Ltd 1 Kaki Bukit Avenue 6, Blk D #02-15, Autobay @ Kaki Bukit Singapore 417883

In the event of any defects in workmanship and paintwork for your approved own damage accident repairs, our Authorised Guarantee Workshops will promptly rectify any such defects at no cost to you.

IMPORTANT NOTES:

The Policy Lifetime Repair Guarantee is non-transferable. It will terminate once:

• you sell or transfer ownership of the insured vehicle;
• you do not have a valid car insurance policy with AIG, e.g., if you do not renew with AIG or if your car insurance policy with AIG is cancelled;
• defects are caused by repairs done at workshops other than the Authorised Guarantee Workshops.

In addition, the Policy Lifetime Repair Guarantee also does not apply to:

• Accident damage repairs that you claim against third parties, irrespective of the workshop where the repairs are carried out at.
• Defects caused by normal wear and tear, improper maintenance or any area that is not damaged in relation to a car accident and is not covered by your car insurance policy with AIG.
• Any liability to third parties for damage to their property, including, but not limited to, their automobiles.
• Defects to automobile parts, unless such defects are caused by incorrect installation of the parts by the Authorised Guarantee Workshop or such parts were inherently defective at the time of installation by the Authorised Guarantee Workshop.

1. How do I renew my car insurance?

You can renew your car insurance in the following ways:

Ways to renew	How to renew	Payment options
Online	Renew your insurance via our website here	PayNow Credit card (Visa and MasterCard)
By mail	Send your renewal notice to: AIG Building 78 Shenton Way, #09-16 Singapore 079120	Credit card (Visa and MasterCard) Cheque made payable to 'AIG Asia Pacific Insurance Pte. Ltd.'
By phone	Call us at 6419 3000	Credit card (Visa and MasterCard)
Over the counter	Visit the AIG Customer Service Centre at: AIG Singapore Customer Service Centre AIG Building 78 Shenton Way, Level 1 Singapore 079120   Operating hours: Mondays to Fridays, excluding Public Holidays 9.00am to 5.00pm.	NETS Credit card (Visa and MasterCard) Cheque made payable to 'AIG Asia Pacific Insurance Pte. Ltd.'

For renewals by mail or phone, please renew your car insurance at least 7 working days before your road tax expires. This is to ensure that you have sufficient time to renew your road tax.

 

2. Is there any additional excess for young and/or inexperienced drivers?

A Young and/or Inexperienced Driver Excess ("YIDR") of S$3,270 (inclusive of GST), in addition to the Policy Excess, applies to You or any Authorised Driver (named and unnamed) who is below the age of 23 (in case of All Age Condition policies) and/or has less than 2 years’ driving experience. The YIDR Excess is not applicable to Named Driver policies.

 

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

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

1. 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.

2. 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.

3. 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.

4. 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.

 

4. Where can I send my car for accident repairs?

The workshop you can send your car to for accident repairs depends on your selected plan. Refer to the table below for more details:

Plans	Auto ValuePlus	AutoPlus	AutoPlan
Choice of workshop	AIG’s designated authorised workshops for Auto ValuePlus	a) Car is over three years old: AIG’s authorised workshops b) Car is three years old and below: Dealer or AIG’s authorised workshops	No restriction

View the list of AIG’s designated authorised workshops for Auto ValuePlus here.
View the list of AIG’s authorised workshops here.
For more information about Auto Claims, please click here.

 

5. Who can I contact in the event of a car accident?

You can send your car to any of the workshops listed in your certificate of insurance or to one of AIG’s authorised workshops. View the list of Manufacturer's Authorised Workshops here and the list of Authorised Repairers here.
For more information about Auto Claims, please click here.

6. Who can I contact in the event of a car accident?

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

7. How should I proceed if I want to cancel my auto insurance policy?

You can cancel your auto insurance policy by notifying us in writing via here with any one of the following supporting documents as an attachment, and returning your original certificate of insurance.

Examples of supporting documents include:

• A copy of the sales or purchase agreement (stating the handover/delivery date)
• A copy of the de-registration letter from LTA
• A copy of the Notification of Transfer of Ownership from LTA

Alternatively, you may send your cancellation documents to us at:

Customer Service Group 
AIG Asia Pacific Insurance Pte. Ltd.  
AIG Building 
78 Shenton Way, #09-16 
Singapore 079120

The cancellation will take effect from the date we receive your original certificate of insurance and supporting documents, or the date when your car was sold or de-registered, whichever comes first.

 

8. Will I receive any 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.

Your refund payment will be made to the PayNow account that is linked to your NRIC/FIN after the cancellation is done. Please log in to AIG Online Services with Singpass to cancel your policy and view your refund status.

However, we will not be able to provide you with a refund if, on or before cancellation of your policy:

• A claim has arisen.
• The original certificate of insurance has not been sent to us.
• The premium due has not been paid.
  
  

9. What is the geographical area covered under my car insurance policy?

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

 

10. What should I do if a car accident happens 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.

11. Is flood damage covered under my car insurance policy? Will my no-claim discount (NCD) be affected in the event of flood damage?

Yes, we cover flood damage. Your NCD will not be affected if you make a claim for flood damage.

1. What credit cards can I use for my Instalment Payment Plan (IPP)?

Instalment Payment Plan is Available for DBS and POSB cards (except DBS Amex/Black Cards).

2. Is there a minimum amount if I want to pay using IPP?

Your transaction must be an annual premium of $300 and above.

3. What are the instalment terms available for IPP?

There are 2 instalment periods available, 6 months and 12 months.

4. Are there any fees charged for payment using IPP?

There is no fee charged to you for payment using IPP.