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Coverage

Table of Cover

Standard Plans

The standard plans, Classic, Deluxe and Preferred plans do not cover pre-existing medical conditions.

		Maximum benefit (S$) for each trip
		Classic		Deluxe		Preferred
		Per insured person	Family total^	Per insured person	Family total^	Per insured person	Family total^
Travel Inconvenience Benefits
Section 1	Cancelling your trip
Section 1	Overall section limit	5,000	15,000	10,000	30,000	15,000	45,000
Section 2	Postponing your trip
Section 2	Overall section limit	500	1,500	1,000	3,000	2,000	6,000
Section 3	Shortening your trip
	Overall section limit	5,000	15,000	10,000	30,000	15,000	45,000
	Limit for extra expenses to return to Singapore	1,000		2,000		3,000
Section 4	Trip disruption
	Overall section limit	1,000	3,000	2,000	6,000	3,000	9,000
	Limit for accommodation expenses per room per night	400		400		400
Section 5	Travel delay
	Overall section limit	1,000		1,500		2,000
	For every six hours of delay while overseas
	1. Adult	100	2,000	100	3,000	100	4,000
	2. Child	50		50		50
	After six hours of delay while in Singapore
	1. Adult	150		150		150
	2. Child	50		50		50
Section 6	Missed connections	100	1,000	200	2,000	500	5,000
Section 7	Overbooked public transport	100	1,000	200	2,000	500	5,000
Section 8	If the travel agency becomes insolvent	2,000	10,000	3,000	15,000	5,000	25,000
Section 9	Baggage delay
	Overall section limit	1,000		1,200		2,000
	For every six hours of delay while overseas
	1. Adult	200	2,000	200	2,400	200	4,000
	2. Child	50		50		50
	Baggage delay after six hours when arriving in Singapore
	1. Adult	200		200		200
	2. Child	50		50		50
Section 10	Loss or damage of baggage and personal belongings
	Overall section limit	3,000		5,000		8,000
	Limit for laptop	1,000	7,500	1,000	12,500	1,000	20,000
	Limit for watches, jewellery or valuables in total	200		500		750
	Limit for other items (for each item, set or pair)	500		500		500
Section 11	Losing money
	1. Adult	250	450	350	600	500	800
	2. Child	100		125		150
Section 12	Losing travel documents
	Overall section limit	3,000	7,500	5,000	12,500	8,000	20,000
	Limit for accommodation expenses per room per night	400		400		400
Personal accident and medical expenses benefits
Section 13	Personal accident
	1. Adult 70 years old or over	100,000		125,000		200,000
	2. Adult under 70 years old	150,000	600,000	200,000	800,000	500,000	1,500,000
	3. Child	75,000		100,000		125,000
	Or
	Public transport double cover for accidental death
	1. Adult 70 years old or over	NA		250,000		400,000
	2. Adult under 70 years old	NA	NA	400,000	1,600,000	1,000,000	3,000,000
	3. Child	NA		200,000		250,000
	Scale of compensation	Percentage of benefit limit
	a. Accidental death	100%
	b. Permanent total disability	100%
	c. Losing two or more limbs	100%
	d. Losing sight in both eyes	100%
	e. Losing one limb	50%
	f. Losing sight in one eye	50%
	g. Losing speech	50%
	h. Losing hearing	50%
		The total compensation from a to h will not be more than the maximum benefit limit.
Section 14	Medical expenses overseas
	Overall section limit
	1. Adult 70 years old or over (combined for sections 14, 18 and 19)	250,000	1,000,000	300,000	1,500,000	350,000	3,000,000
	2. Adult under 70 years old	250,000		500,000		1,000,000
	3. Child	150,000		200,000		300,000
	Limit for medical aids and equipment	500		1,000		1,500
Section 15	Medical expenses in Singapore
	Overall section limit
	1. Adult 70 years old or over	1,000	60,000	2,000	100,000	5,000	200,000
	2. Adult under 70 years old	12,500		25,000		50,000
	3. Child	10,000		15,000		25,000
	Limit for medical aids and equipment	500		1,000		1,500
Section 16	Treatment by a Chinese medicine practitioner or a chiropractor
	Overall section limit	300	1,000	500	1,500	1,000	3,000
	Limit per visit	50		75		100
Section 17	Overseas hospital allowance
	Overall section limit	10,000	30,000	20,000	60,000	50,000	150,000
	Benefit per day	100		200		200
Section 18	Emergency medical evacuation
	Overall section limits	See limit under section 14		See limit under section 14		See limit under section 14
	1. Adult 70 years old or over	See limit under section 14	1,250,000	See limit under section 14	1,500,000	See limit under section 14	2,000,000
	2. Adult under 70 years old	500,000		Unlimited		Unlimited
	3. Child	500,000		Unlimited		Unlimited
Section 19	Sending you home
	Overall section limits	See limit under section 14		See limit under section 14		See limit under section 14
	1. Adult 70 years old or over	See limit under section 14	1,250,000	See limit under section 14	1,500,000	See limit under section 14	2,000,000
	2. Adult under 70 years old	50,000		Unlimited		Unlimited
	3. Child	50,000		Unlimited		Unlimited
Section 20	Compassionate visit
	Overall section limit	5,000	15,000	10,000	30,000	15,000	45,000
	Limit for accommodation expenses per room per night	400		400		400
Other benefits
Section 21	Kidnap and hostage
	Overall section limit	3,000	9,000	5,000	15,000	10,000	30,000
	Every 24 hours	100		200		500
Section 22	Emergency phone charges
Section 22	Overall section limit	100	300	150	450	300	900
Section 23	Home cover
	Overall section limit	3,000	3,000	5,000	5,000	15,000	15,000
	Limit per item (for each item, set or pair)	500		500		500
Section 24	Personal liability	500,000	500,000	1,000,000	1,000,000	1,000,000	1,000,000
Section 25	Rental vehicle excess cover	1,500	1,500	2,000	2,000	2,500	2,500
Section 26	Full terrorism cover (for sections 1 to 25)
	1. Adult 70 years old or over	100,000	600,000	125,000	800,000	200,000	1,500,000
	2. Adult under 70 years old	150,000		200,000		500,000
	3. Child	75,000		100,000		125,000

Enhanced PreX Plans

		Maximum benefit (S$) for each trip
		Enhanced PreX Basic		Enhanced PreX Superior		Enhanced PreX Prestige
		Per insured person	Family total^	Per insured person	Family total^	Per insured person	Family total^
Travel Inconvenience Benefits
Section 1	Cancelling your trip
	Overall section limit	10,000		10,000		15,000
			30,000		30,000		45,000
	Co-payment for claims due to pre-existing medical conditions	NA^#		50%		50%
Section 2	Postponing your trip
	Overall section limit	1,000		1,000		2,000
			3,000		3,000		6,000
	Co-payment for claims due to pre-existing medical conditions	NA^#		50%		50%
Section 3	Shortening your trip
	Overall section limit	10,000		10,000		15,000
	Limit for extra expenses to return to Singapore	2,000		2,000		3,000
			30,000		30,000		45,000
	Co-payment for claims due to pre-existing medical conditions	NA^#		50%		50%
Section 4	Trip disruption
	Overall section limit	2,000		2,000		3,000
	Limit for accommodation expenses per room per night	400		400		400
			6,000		6,000		9,000
	Co-payment for claims due to pre-existing medical conditions	NA^#		50%		50%
Section 5	Travel delay
	Overall section limit	1,500		1,500		2,000
	For every six hours of delay while overseas
	1. Adult	100		100		100
	2. Child	50	3,000	50	3,000	50	4,000
	After six hours of delay while in Singapore
	1. Adult	150		150		150
	2. Child	50		50		50
Section 6	Missed connections	200	2,000	200	2,000	500	5,000
Section 7	Overbooked public transport	200	2,000	200	2,000	500	5,000
Section 8	If the travel agency becomes insolvent	3,000	15,000	3,000	15,000	5,000	25,000
Section 9	Baggage delay
	Overall section limit	1,200		1,200		2,000
	For every six hours of delay while overseas
	1. Adult	200		200		200
	2. Child	50	2,400	50	2,400	50	4,000
	Baggage delay after six hours when arriving in Singapore
	1. Adult	200		200		200
	2. Child	50		50		50
Section 10	Loss or damage of baggage and personal belongings
	Overall section limit	5,000		5,000		8,000
	Limit for laptop	1,000		1,000		1,000
	Limit for watches, jewellery or valuables in total	500	12,500	500	12,500	750	20,000
	Limit for other items (for each item, set or pair)	500		500		500
Section 11	Losing money
	1. Adult	350	600	350	600	500	800
	2. Child	125		125		150
Section 12	Losing travel documents
	Overall section limit	5,000		5,000		8,000
	Limit for accommodation expenses per room per night	400	12,500	400	12,500	400	20,000
Personal accident and medical expenses benefits
Section 13	Personal accident
	1. Adult 70 years old or over	100,000		100,000		150,000
	2. Adult under 70 years old	200,000	800,000	200,000	800,000	500,000	1,500,000
	3. Child	100,000		100,000		150,000
	Or
	Public transport double cover for accidental death
	1. Adult 70 years old or over	200,000		200,000		300,000
	2. Adult under 70 years old	400,000	1,600,000	400,000	1,600,000	1,000,000	3,000,000
	3. Child	200,000		200,000		300,000
	Scale of compensation	Percentage of benefit limit
	a. Accidental death	100%
	b. Permanent total disability	100%
	c. Losing two or more limbs	100%
	d. Losing sight in both eyes	100%
	e. Losing one limb	50%
	f. Losing sight in one eye	50%
	g. Losing speech	50%
	h. Losing hearing	50%
		The total compensation from a to h will not be more than the maximum benefit limit.
Section 14	Medical expenses overseas
	Overall section limit
	1. Adult 70 years old or over (combined for sections 14, 18 and 19)	300,000		300,000		350,000
	2. Adult under 70 years old	500,000		500,000		1,000,000
	3. Child	200,000		200,000		300,000
	Limit for medical aids and equipment	1,000	1,500,000	1,000	1,500,000	1,500	3,000,000
	Limit for claims due to pre-existing medical conditions (combined for sections 14, 18 and 19)
	1. Adult 70 years old or over	100,000		100,000		200,000
	2. Adult under 70 years old	150,000		150,000		300,000
	3. Child	100,000		100,000		200,000
Section 15	Medical expenses in Singapore
	1. Adult 70 years old or over	2,000	100,000	2,000	100,000	5,000	200,000
	2. Adult under 70 years old	25,000		25,000		50,000
	3. Child	15,000		15,000		25,000
	Limit for medical aids and equipment	1,000		1,000		1,500
Section 16	Treatment by a Chinese medicine practitioner or a chiropractor
	Overall section limit	500	1,500	500	1,500	1,000	3,000
	Limit per visit	75		75		100
	Limit for claims due to pre-existing medical conditions	500		500		1,000
	Limit per visit for claims due to pre-existing medical conditions	75		75		100
Section 17	Overseas hospital allowance
	Overall section limit	20,000		20,000		50,000
	Benefit per day	200		200		200
	Limit for claims due to pre-existing medical conditions	NA^#	60,000	3,000	60,000	4,500	150,000
	Benefit per day if due to pre-existing medical conditions	NA^#		100		100
Section 18	Emergency medical evacuation
	Overall section limits	See limit under section 14		See limit under section 14		See limit under section 14
	1. Adult 70 years old or over	See limit under section 14		See limit under section 14		See limit under section 14
	2. Adult under 70 years old	Unlimited	1,500,000	Unlimited	1,500,000	Unlimited	2,000,000
	3. Child	Unlimited		Unlimited		Unlimited
	Limit for claims due to pre-existing medical conditions	See limit under section 14		See limit under section 14		See limit under section 14
	1. Adult 70 years old or over
	2. Adult under 70 years old
	3. Child
Section 19	Sending you home
	Overall section limits	See limit under section 14		See limit under section 14		See limit under section 14
	1. Adult 70 years old or over	See limit under section 14		See limit under section 14		See limit under section 14
	2. Adult under 70 years old	Unlimited		Unlimited		Unlimited
	3. Child	Unlimited	1,500,000	Unlimited	1,500,000	Unlimited	2,000,000
	Limit for claims due to pre-existing medical conditions	See limit under section 14		See limit under section 14		See limit under section 14
	1. Adult 70 years old or over
	2. Adult under 70 years old
	3. Child
Section 20	Compassionate visit
	Overall section limit	10,000		10,000		15,000
	Limit for accommodation expenses per room per night	400	30,000	400	30,000	400	45,000
	Limit for claims due to pre-existing medical conditions	NA^#		10,000		15,000
Other benefits
Section 21	Kidnap and hostage
	Overall section limit	5,000	15,000	5,000	15,000	10,000	30,000
	Every 24 hours	200		200		500
Section 22	Emergency phone charges
	Overall section limit	150	450	150	450	300	900
	Limit for claims due to pre-existing medical conditions	150		150		300
Section 23	Home cover
	Overall section limit	5,000	5,000	5,000	5,000	15,000	15,000
	Limit per item (for each item, set or pair)	500		500		500
Section 24	Personal liability	1,000,000	1,000,000	1,000,000	1,000,000	1,000,000	1,000,000
Section 25	Rental vehicle excess cover	2,000	2,000	2,000	2,000	2,500	2,500
Section 26	Full terrorism cover (for sections 1 to 25)
	1. Adult 70 years old or over	100,000	800,000	100,000	800,000	150,000	1,500,000
	2. Adult under 70 years old	200,000		200,000		500,000
	3. Child	100,000		100,000		150,000

^ Family total means the maximum amount we will pay for each benefit section under the family cover during any one trip. Each insured person is only allowed the maximum benefit per insured person in the table of cover. ^# No coverage for pre-existing medical conditions.

Motorcycle Insurance

Singapore's leading motorcycle insurer lets you drive with confidence.

how to apply

learn how does Motor Insurance benefits me

Learn About Motor Insurance

Driving is not without risk or incidence, indeed, the roads we drive on today may be filled with danger and the unexpected may occur at any turn. That is why you need a motor insurer who truly understands your motoring needs. There is no smarter choice than getting a comprehensive motor insurance coverage and assurance you need with Singapore's leading motor insurer.

With growing affluence, luxury cars are becoming increasingly common. With our new Prestige plan¹, you can now enjoy even more a competitive car insurance premium rates for your prized possession. What's more, if you are travelling to West Malaysia, we offer you peace of mind with our 24-hour referral services for road and medical assistance².

Now, you can certainly feel more at ease and drive with greater confidence in Singapore and West Malaysia.

KEY BENEFITS

24/7 accident response team

Orange Force Accident Response Team at your service 24/7

24/7 referral services

24/7 referral services for road and medical assistance in West Malaysia²

Motor insurance coverage

Motor insurance coverage for accidental or fire damage, flood and natural disaster

loyalty discount

5% loyalty discount³

ncd Discount

No Claim Discount (NCD) protection⁴

workshops

Choice of workshops with Drivo Premium plan and Drivo Prestige plan

windscreen cover

Unlimited windscreen cover⁵

transport allowance

Daily Transport allowance cover⁶

Excess waiver coverage

Excess waiver cover⁷ with Drivo Premium and Drivo Classic plan

medical coverage

Medical expenses and personal accident benefits

additional benefits

orange force
Income’s Orange Force Accident Response Team is on call 24/7 to assist you at accident scenes anytime and anywhere on the island. Their presence is comforting and much needed to drivers in times of distress as they help you to document the damage, engage a tow truck and ensure your interests are protected when you are most vulnerable².
greater convenience for you to sign up
Now, it is even more convenient for you to sign up for motor insurance. Simply log on and you can purchase, renew and make payment for your motor insurance, no fuss, no hassle.

greater assurance for you, your authorised driver and your passengers
In the event of an accident involving your vehicle, with our motor insurance, you, your authorised drivers and your passengers will be covered against any medical expenses towards a third party and medical expenses and personal accident benefits.
fair and prompt claims settlement
At our conveniently located accident reporting centres, you will receive fair claim advice, assistance in filing of the accident report, and in assessing the damages to your vehicle.

easy access to more than 30 quality workshops islandwide
You will be assured of professional expertise and skills at our quality workshops. These workshops can also assist in handling third party claim against the other party who is at fault. Alternatively, you can choose to have your vehicle repaired at your preferred workshop.

This plan is available for named drivers who are above the age of 33 and have at least 3 years of driving experience without any accident claim.
The 24-hour referral services for road and medical assistance are available within Peninsular Malaysia which includes Penang and Langkawi but excludes the rest of the islands. This service is applicable for Income Private Car Policyholders only.
You will receive a 5% loyalty discount if you have been insuring your vehicle with us for more than 3 years.
You can purchase the optional benefit to protect your NCD if your NCD is at least 30%. However, if you have been enjoying NCD of 50% from us in the last two consecutive years, you will automatically enjoy free NCD protection when you renew your policy with us.
A windscreen excess of S$100 (or any other amount shown on the certificate of insurance) applies for each and every claim under the following plans: Drivo Premium and Drivo Classic plan. For Drivo Prestige plan, the windscreen excess is S$1,000 (or any other amount shown on the Schedule or certificate of insurance) applies for each and every claim.
You can purchase the daily transport allowance cover which pays $50 per day, from the first day of the repair for up to 7 days, for each of your first two claims.
This cover is only applicable to Drivo Premium and Drivo Classic plan. You can purchase the cover to waive the basic excess of $600 when you claim under your motor policy. This excess waiver is not applicable to policies with excess of above $600.

coverage

Find out what our motor insurance policies cover for Motorcycles.

important notes

This page is for general information only. You can find the usual terms and conditions of Drivo Classic and Drivo Premium plans at www.income.com.sg/content/downloads/insurance/motor/car-insurance/car-policy-conditions-private-car, Drivo Prestige plan at www.income.com.sg/content/downloads/insurance/motor/car-insurance/car-policy-conditions-private-car-prestige-plan and Motor Insurance Extensions (Rider) at www.income.com.sg/content/downloads/insurance/motor/car-insurance/car-policy-conditions-private-car-extension-rider.

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 Income or visit the websites of the General Insurance Association of Singapore (www.gia.org.sg, the Life Insurance Association, Singapore (www.lia.org.sg) or or Singapore Deposit Insurance Corporation (www.sdic.org.sg).

Information is correct as of 31 May 2016

Disclaimer: All insurance products underwritten by Income are contracts between the policyholder and Income. Read full disclaimer.

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