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 AutoPlus 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 authorised workshop. 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 AutoPlus 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 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 Workshops and Manufacturer 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 (“Authorised Guarantee Workshops”) and Manufacturer Authorised Repairers listed below:
Authorised Guarantee Workshops:
- ComfortDelGro Engineering Pte Ltd, 205 Braddell Road, Singapore 579701
- Kan Fook Sing Motor Workshop, 61 Defu Lane, Singapore 539147
- Lai Huat (Meng Kee) Motor Pte Ltd, 160 Sin Ming Drive #04-01, #04-02 and #07-03 Sin Ming AutoCity, Singapore 575722
- ETHOZ Group Ltd, 30 Bukit Batok Crescent, Singapore 658075
- Progressive Car Care Pte Ltd, Blk 3022A Ubi Road 1, #01-46 Singapore 408716
- DPS Body & Paint, Cycle & Carriage Auto Hub, 209 Pandan Gardens, Singapore 609339
- Mova Automotive Pte Ltd, Blk 1008 Bukit Merah Lane 3, #01-04/06/08, Singapore 159722
- SME Motor Pte Ltd, 1 Kaki Bukit Avenue 6, Blk D #02-15, Autobay @ Kaki Bukit, Singapore 417883
AIG Manufacturer Authorised Repairers:
- Wearnes Automotive Pte Ltd, 26 Leng Kee Road, Singapore 159104
- Wearnes Automotive Pte Ltd, 45 Leng Kee Road, Singapore 159103
- Wearnes Automotive Pte Ltd, 249 Alexandra Road, Singapore 159935
- Mercedes-Benz Authorised Bodycare & Repair Centre, 188 Pandan Loop, Singapore 128378
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.
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
Renew your insurance via our website here
Credit card (Visa and MasterCard)
Send your renewal notice to:
Call us at 6419 3000
Credit card (Visa and MasterCard)
Over the counter
Visit the AIG Customer Service Centre at:
Note: You can also renew your road tax here.
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. How do I renew my road tax?
You can renew your road tax at any SingPost branch or Vicom centre, or at our customer service centre located at:
AIG Singapore Customer Service Centre
78 Shenton Way, Level 1
Operating hours: Temporarily closed until further notice.
You can pay by cheque made payable to LTA.
Note: If a car inspection is required by LTA, please ensure that you have your car inspected before renewing your road tax. You will also need to bring along your original car inspection certificate when renewing your road tax.
3. Is there any additional excess for young and/or inexperienced drivers?
A Young and/or Inexperienced Driver Excess ("YIDR") of S$3,210 (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.
4. 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.
5. Where can I send my car for accident repairs?
The workshop you can send your car to for accident repair depends on your selected plan.
Refer to the table below details:
|Choice of workshop||AIG authorised workshops||
a) Car is over three years old: AIG authorised workshops
b) Car is three years old and below: Dealer or AIG authorised workshops
6. 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 AIG’s authorised workshops here.
For more information about Auto Claims, please click here.
7. Who can I contact in the event of a car accident?
You can call our 24-hour emergency assistance hotline at 6338 6200.
8. 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.
78 Shenton Way, #09-16
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.
9. 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.
You will receive a cheque for the refund within 4 to 6 weeks after the cancellation is done.
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.
10. 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.
11. 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.
12. 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.