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28Jul/090

Guide on Claims Procedure in Singapore

The Motor Claims Framework (MCF) was set up to provide a comprehensive service for all motor insurance claims. The MCF is fully supported by all
insurers in Singapore and allows motorists to make motor claims in a simple, hassle-free and speedy manner, as well as bringing the added benefits of a greater pool of certified motor repair workshops and related services.

This simple guide will walk you through the recommended steps you need to take in the event of an accident. Follow them and you will find the claims process a smoother one because it works to your maximum benefit.

1. In case of accident, you should:

Exchange particulars of involved parties including Name, NRIC/FIN, Telephone Number, Address and Insurer. Take note of the vehicle numbers and do take digital photographs (e.g. MMS) of your accident vehicle which can be included during the e-filing of accident reports later.

Call your insurer's hotline for a tow truck

Report and bring your accident vehicle (whether damaged or not) to the approved reporting centre/authorized workshop within 24 hours or by the next working day.

* Avoid all unathorised tow-truck operators or repair workshops.

2. The Benefits Of Reporting

By reporting the accident within the stipulated time, you not only enjoy hassle-free and quality-certified repair services as provided under the MCF, you will also avoid potentially higher costs from exaggerated claims.

REMEMBER:

All accidents must be reported to your insurer within 24 hours or by the next working day with your accident vehicle, no matter how trivial or even if there is no visible damage, and irrespective of whether you are claiming from any
insurers or third parties.

3. Should You Fail To Report The Accident

Should you fail to report to your insurer with your accident vehicle, you may find yourself in a position of having your claims prejudiced or declined later by
insurers. Failure to comply with the new policy condition will be seen as being "in breach" of the policy terms and conditions, i.e. there will be no liability on the part of the insurer.

Any non-compliance of this Policy Condition will result in a loss of your No Claims Discount upon renewal of your policy.

4. Can I Still Use IDAC?

The Framework does not mean the end of Independent Damage Assessment Centres (IDAC). There is no change to the process at IDAC currently used by some of our member companies. If in doubt, you are advised to check with your own insurer on the use of IDAC.

Should you have any questions, feel free to call your insurer for advice, or visit the MCF online at www.gia.org.sg

Questions? Email us here

Or get your car insurance quotes online here

28Jul/090

12 Factors affecting your Car insurance

saving money on premiums

  1. Age Group - the car owner (driver) age. Please note that this is just an illustration and an estimate.
    Insurance companies may revise their age group premiums from time-to-time, without disclosing.

    18 to 21 - young drivers, very expensive
    21 to 25 - expensive
    26 to 30 - moderate
    31 to 65 - low

  2. Driving Experience - this is defined from the time you have your driving license till your
    car insurance renewal application.

    0 to 1 - extremely expensive, usually bundled when you buy a new car
    1 to 2 - expensive
    2 to 3 - normal
    > 4 - varies. At this stage, most of us would have NCB (No Claim Bonus) discount lowering the premium further. If you have accidents, your premiums most probably are going to be jacked up by the car
    insurers.

  3. Job Occupation Type (Indoor/Outdoor) This is pretty straightforward. It refers to the nature of work, like desk bound or indoor sales. If you are not sure, please check with the agent.Indoor - Lower risk of accidents = cheaper
    Outdoor - Higher risk of accident = more expensive
  4. NCB - No Claim Bonus discount. You get additional 10% NCB for each year without accidents. The maximum NCB that you can accumulate is 50%. E.g. If you buy a car in Apr 2008, and renew your
    car insurance in Apr 2009, you'll be eligible for 10% NCB discount upon renewal. If you are unlucky and get into an accident, NCB is 0%. You cannot get negative NCB.

    If you NCB accumulates to 40% and you were involved in an accident, the NCB reduces to 10%. If you don't want to start from 10% or even zero%, then you should get the NCB Protector, see below.

  5. NCB Protector - This is only available to people with 40% or 50% NCB. In the event of first accident within the policy year, your NCB will remain as 50%.The second accident will reduce your NCB to 20% (50% - 30%).

    The third accident and your NCB becomes 0%

    It is important to note that NCB protector is only effective if you renew your car insurance with the same insurance company. If your
    car insurance is with company A and your NCB is 50%, even after the first accident, your NCB remains at 50% when you do your next renewal.

    However, if you decide not to renew with Company A, and look for company B. You'll only get 20% NCB.

  6. Safe Driver Discount
    The Certificate of Merit (COM) entitles a driver to a 5% discount on vehicle insurance premium from participating
    insurance companies, over and above his No-Claim Bonus (NCB).

    A driver is eligible for a COM if, at the point of purchasing a
    car insurance coverage, he/she has maintained for the past 3 years, a continuous demerit-point-free driving record. This means that, if a driver has committed a traffic offence any day in the 3 years immediately before an insurance purchase that resulted in him/her being 'awarded' demerit points, he/she would no longer be eligible for a COM on the day that he/she purchases the insurance. The direct link is too long for me to post here. To find out your COM status, please use the direct link under Useful Links section.

  7. Engine Capacity (cc) - This refers to your car engine in cc. Generally the lower the cc the lower the premium. Refer to your car log file if you are not sure.
  8. Year of Manufacture - This generally means the year which your car is made/register. Generally, the older the car, the lower the premium
  9. Body Type - the type of car e.g. saloon, MPV, SUV
  10. Engine Type - normal or turbo engine, the latter costs much more.
  11. Gender/Martial Status - this really depends on the insurance company. Not all use this to calculate the premium.
  12. Off Peak Cars (OPC) - . dependent on insurance company

Get your car insurance quotes online here

28Jul/090

AIG Motor Car Insurance

The AIG Companies offer a variety of auto insurance products and services

AIG comprehensive range of auto coverage and services include:

• Third Party Liability – Covers accidental bodily injury* and property damages* to a third party, as well as defense costs in the event of legal proceedings and if determined that you were at fault
*Bodily Injury – Includes medical expenses, lost wages, and costs associated with pain and  suffering
*Property Damage – Includes damage caused to someone else’s property (e.g., car, house)

• Collision – Covers damages to your vehicle due to a collision with another vehicle or object

• Comprehensive – Covers non accident-related loss or damages due to fire, wind, flood, vandalism and theft

• Medical Expense – Covers your accident-related medical expenses, regardless of who is at fault


Click here for 3carquotes recommended

car insurance packages

25Jul/090

What is Cert of Merit and how to get Safe Driver Discount

The Certificate of Merit (COM) entitles a driver to a 5% discount on vehicle insurance premium from participating insurance companies, over and above his No-Claim Bonus (NCB).

A driver is eligible for a COM if, at the point of purchasing a car insurance coverage, he/she has maintained for the past 3 years, a continuous demerit-point-free driving record. This means that, if a driver has committed a traffic offence any day in the 3 years immediately before an insurance purchase that resulted in him/her being 'awarded' demerit points, he/she would no longer be eligible for a COM on the day that he/she purchases the insurance.

We can check for your eligibility for Cert of Merit or Safe Driver Discount (SDD), simply fill up the form here, and we'll send you one of our best competitive quote for perusal.

No Insurance Company Name
1 ACE Insurance Ltd
2 Allianz Insurance Co of Singapore Pte Ltd
3 American Home Assurance Co - S'pore
4 AXA Insurance Singapore Pte Ltd
5 China Insurance Co (Singapore) Pte Ltd
6 EQ Insurance Company Ltd
7 Federal Insurance Co
8 First Capital Insurance Ltd
9 HSBC Insurance (Singapore) Pte Ltd
10 India International Insurance Pte Ltd
11 Liberty Insurance Pte Ltd
12 Lonpac Insurance Bhd
13 Mayban General Assurance Bhd
14 Mitsui Sumitomo Insurance (Singapore) Pte Ltd
15 MSIG Insurance (Singapore) Pte Ltd (formerly Aviva General Insurance Pte Ltd)
16 Nipponkoa Insurance Co Ltd
17 Overseas Assurance Corporation Ltd
18 QBE Insurance (International) Ltd
19 Royal & Sun Alliance Insurance Plc
20 SHC Capital Ltd
21 Sompo Japan Insurance Co (Asia) Pte Ltd
22 Tenet Insurance Co Ltd
23 TM Asia Insurance Singapore Ltd
24 Tokio Marine & Fire Insurance Co (S) Pte Ltd
25 United Overseas Insurance Ltd

Singapore Best Comprehensive and 3rd Party Fire & Theft Car Insurance.

Get your quotations here

25Jul/090

Car Modifications Allowed by LTA

Vehicle Modifications that are allowed, as shown on onemotoring

SOURCE : ONEMOTORING

Bumpers

The following requirements must be met when changing or modifying bumpers:

a) The bumper must be of the design approved by the vehicle manufacturer.
b) Installation must be carried out in accordance with the vehicle manufacturer's recommendations.
c) The bumper must not have any sharp corners or edges.

Car seats

(e.g. sport seats, bucket seats, etc.)

Aftermarket car seats must be properly secured using the original anchorage points of the vehicle for safety reasons. The car seats must not obstruct the driver's view in any way. The installation must be carried out by qualified personnel in accordance with the product manufacturer's recommendations.

Any modification to original airbag-equipped car seats must be carried out in consultation with the vehicle manufacturer or its agent.

Fog lamps

The following requirements must be met when installing aftermarket fog lamps:

(a) The fog lamps should bear approved markings to show that they have met international recognised standards such as those adopted in the countries of the European Union, Japan and the United States. For example, if the fog lamps meet United Nations Economic Commission for Europe (UNECE) Regulations, they will bear markings 'B' and 'F' for the front and rear fog lamps respectively.

(b) The front fog lamps must cast a white or yellow light. They must be installed not more than 400 mm from the sides of the vehicle and at least 600 mm apart from each other. They should also be located below the headlights and at least 250 mm above the road surface.

(c) The rear fog lamp mounted on a vehicle can be a single unit or a matched pair. The rear fog lamp must cast a red light and be located between 250 mm and 1,000 mm above the road surface. For a single rear fog lamp, it must be installed at the centre or offside of the vehicle. In all cases, the distance between the rear fog lamp and each stop lamp must be greater than 100 mm.

(d) The front fog lamps can only be switched on if the front and rear position lamps are switched on. The rear fog lamps can only be switched on when the front headlamps are switched on.

(e) There should be separate switches for switching the headlamps and fog lamps on. The switches must be constructed such that switching on the position lamps or headlamps do not automatically switch on the fog lamps.

Fog lamps can cause unwanted glare when improperly installed. Therefore, the installation must be carried out by qualified personnel in accordance with the product manufacturer's recommendations.

Note: If the fog lamps do not meet the above requirements, it must be covered at all times when the vehicle is being used in Singapore.

Fuel additives

Fuel additives shall be used in accordance with the product manufacturer's recommendations.

Fuel molecule polarisers

The installation of fuel molecule polarisers must not adversely affect the operation of the vehicle fuel system. It must be carried out by qualified personnel in accordance with the product manufacturer's recommendations.

Gear knobs

The aftermarket gear knobs shall be securely fastened in accordance with the product manufacturer's recommendations.

In-vehicle entertainment systems

(e.g. TV, VCD/DVD systems, LCD screens for entertainment, etc.)

The visual display unit of the in-vehicle entertainment system should be installed such that it is not in the view of driver. If it is in the view of the driver, it shall have a function to automatically disable or switch off the visual display when the vehicle is in motion. The system shall not interfere with existing vehicle controls or instrumentation in any way. The electrical system shall be adequately protected against fire hazards. The addition of in-vehicle entertainment systems must be carried out by qualified personnel in accordance with the system manufacturer's recommendations.

In-vehicle information and communication systems

(e.g. LCD screens for information, navigation systems, Global Positioning System (GPS), etc.)

The in-vehicle information and communication systems should be designed such that it would not adversely affect the safe operation of the vehicle. It should not unduly distract the driver nor give rise to potentially dangerous driving. For example, the text information should be sufficiently large to enable the driver to read all the information on the screen at a glance. It should be brief and concise such that the driver can assimilate it at a glance without affecting operation. Such system should also have a voice guidance feature incorporated to minimise interaction with the visual display unit. The system shall not interfere with existing vehicle controls or instrumentation in any way. The electrical system shall be adequately protected against fire hazards.

The addition of in-vehicle information and communication systems must be carried out by qualified personnel in accordance with the system manufacturer's recommendations.

Note: Drivers should only use the system when it is safe to do so.

Intake air filters

(e.g. high flow air filters, Cone-type, Open pod-type, etc.)

Changing of original intake air filters to high flow intake air filters must not affect the structural integrity of the vehicle. The installation must be carried out by qualified personnel in accordance with the product manufacturer's recommendations.

Intake manifolds

The installation of aftermarket intake manifolds must not adversely affect the exhaust emission characteristics of the vehicle. It must be carried out by qualified personnel in accordance with the product manufacturer's recommendations.

Meters and gauges

(e.g. vacuum gauge, oil temperature gauge, battery voltage meter, etc.)

Additional meters or gauges installed in the vehicle shall not obstruct the driver's view. These additional meters or gauges shall not interfere with existing vehicle controls or instrumentation.

The installation of such meters or gauges must be carried out by qualified personnel in accordance with the product manufacturer's recommendations.

Radiators

The installation of aftermarket radiators must not affect the structural integrity of the vehicle. It must be carried out by qualified personnel in accordance with the product manufacturer's recommendations.

Rollover bars

(for convertibles)

The installation of aftermarket rollover bars must not obstruct the driver's view in any way. It must be carried out by qualified personnel in accordance with the product manufacturer's recommendations.

Roof racks

The following requirements must be met when installing roof racks:

a) The roof rack must be suitable for the vehicle.
b) The roof rack shall not protrude from the vehicle body laterally and/or longitudinally.
c) The installation must be carried out by qualified personnel in accordance with the product manufacturer's recommendations.
d) The loads (i.e. cargo and its carrier) carried on the roof rack shall not exceed the loading capacity of either the vehicle or the roof rack.
e) The cargo shall be securely fastened to the roof rack and no part of the cargo or its carrier shall project laterally beyond the vehicle.

Seat belts

(e.g. aftermarket 5-point seat belts, etc)

The following requirements must be met when changing from original to aftermarket seat belts:

a) The seat belts must be anchored to proper seat belt anchorage points in the vehicle.
b) They must comply with internationally recognised standards.
c) The installation must be carried out by qualified personnel in accordance with the seat belt manufacturer's recommendations.

Note: Any device such as belt stopper that may hinder the proper operation of the seat belt should not be used.

Side skirts

The following requirements must be met when installing side skirts:

a) The installation of side skirts must be carried out in accordance with the product manufacturer's recommendations.
b) They shall not protrude from the car body laterally.
c) They shall not have sharp corners and edges.
d) The lowest point of the side skirts shall not contact the road surface at any time.

Side windows and partitions for Light Goods Vehicles

Owners of light goods vehicles can now choose to:

  • Install side windows in the rear compartment of their vehicles;
  • Remove the partition that separates the driver's cabin and the cargo compartment.

Side windows will enhance the comfort of passengers at the rear compartment. Drivers will be able to see better especially when they are changing lanes, making turns or while reversing.

The removal of the partition will allow workers to escape through the front doors, in addition to the rear hatch door and side doors of the vehicle, in the event of an accident.

For more information, please refer to the FAQs. Alternatively, you may wish to call 1800-CALL LTA (1800-2255 582).

Spark plugs and spark plug cables

The installation of aftermarket spark plugs and spark plug cables must be carried out in accordance with the product manufacturer's recommendations and shall not interfere with existing vehicle controls or instrumentation.

Spoilers

The following requirements must be met when installing spoilers :

a) The installation must be carried out in accordance with the product manufacturer's recommendations.
b) They shall not protrude from the car body laterally and/or longitudinally.
c) They shall not have any sharp corners and edges.
d) They should not obstruct the driver's view in any way.

Note:
Vehicle shown above is fitted with a spoiler that is not allowed.

Sports rims

(for cars only)

The following requirements must be met for cars when changing to sports rims:

a) The size of the sports rims should be in accordance with the car manufacturer's recommendations.
b) They shall not protrude from the car body laterally.
c) The overall rolling radius of the original wheels and tyres should not be altered.

Steering wheels

The installation of aftermarket steering wheels must be carried out by qualified personnel in accordance with the product manufacturer's recommendations.

Any modification to original airbag-equipped steering wheels must be carried out in consultation with the vehicle manufacturer or its agent.

Sunshades

The following requirements must be met when installing sunshades:

a) No part of the sunshades shall be affixed:
- more than 6 inches (150mm) from the top edge of the front windscreen.
- more than 4 inches (100mm) from the top edge of the rear windscreen and side windows.
b) Graphics and words shall not appear in any way pornographic, obscene or vulgar. They also must not be seditious or affront any religious belief.

Suspension systems

(e.g. aftermarket springs, shock absorbers, strut bars, anti-roll bars, etc.)

The following requirements must be met when changing or modifying the suspension system:

a) Aftermarket suspension systems shall not adversely affect the steering characteristics and manoeuvrability of the vehicle.
b) The installation must be carried out by qualified personnel in accordance with the product manufacturer's recommendations.
c) The lowest point of the vehicle body shall not contact the road surface at any time.
d) No part of the vehicle bodywork shall be modified to accommodate the suspension system.

Tinted films

The following requirements must be met when installing tinted films:

a) They must not be of the reflective type.
b) The resultant light transmittance for the front windscreen and two front side windows must be at least 70%.
c) The resultant light transmittance for the rear windscreen and the rear passenger windows must be at least 25%.
d) The front windscreen must not prevent, obstruct or interfere with the transmission of signals between the In-vehicle Unit (IU) and Electronic Road Pricing (ERP) facility.

Note: To ensure that the tinted films comply with the above requirements, you may wish to send your vehicle for testing at any of the LTA-authorised vehicle inspection centres.

Tinted glass

The following requirements must be met when installing tinted glass:

a) They must comply with internationally recognised standards for safety glasses.
b) The resultant light transmittance for the front windscreen and two front side windows must be at least 70%.
c) The resultant light transmittance for the rear windscreen and the rear passenger windows must be at least 25%.
d) The front windscreen must not prevent, obstruct or interfere with the transmission of signals between the In-vehicle Unit (IU) and Electronic Road Pricing (ERP) facility.

Note: To ensure that the tinted glasses comply with the above requirements, you may wish to send your vehicle for testing at any of the LTA-authorised vehicle inspection centres.

Tyres

The following requirements must be met when replacing tyres:
a) Every wheel of a vehicle shall be fitted with a pneumatic tyre that must be of the correct width, profile and diameter as recommended by the vehicle manufacturer.
b) The tyres must not protrude from the vehicle body laterally.
c) The overall rolling radius of the original wheels and tyres should not be altered.

Note: Off-road tyres are not allowed for use on normal roads (e.g. slick tyres, semi-slick tyres, cross-country tyres for rugged terrain, etc).