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Can I use my friend or family members' credit card to make my premium payment?

No, this would not be possible. The credit cardholder must be the policyholder. Your security matters to them. You may also pay via cash or cheque.

What happens when I get my quote?

If you decide you'd like to purchase, you can make payment and print your policy documents straight away. If you need time to gather more information, the quote will be saved in their system and is valid for 90 days.

How is my refund computed for my insurance policy cancellation?

• The refund is calculated based on the following conditions: Premium Refund = [Premium x (Unexpired Period of Insurance / Original Period of Insurance (Days))] – Applicable Cancellation Fee .

• Please note that the above is subjected to no claim/accident in current policy period.

I haven't made any claims so why is my renewal premium higher?

• If the overall claims experience is bad that year then insurance companies have to increase their premiums across the board for all motorists irrespective of whether you have made a claim or not. 

• If you have a clean driving record, though, your premium will still be lower than those with accident claims.

What plan type should I get?

• Individual Plan if you're travelling alone.

• Group Plan if traveling with 1 or more friends/ relatives. You get to enjoy a group discount when your group size is more than 2.

• Family Plan if travelling with your spouse and children. You can include up to 4 children who are aged between 15 days and 18 years old or until 24 years old if they are in full-time tertiary education. If there are only 2 members travelling, you should choose their individual or group plans.

What happens if my flight is delayed and I've only got a single trip cover? Will I still be covered if I don't get back to Singapore when planned?

They'll automatically extend your policy regardless of annual or single trip cover, if your flight is delayed or you are injured and you can't get back home on your scheduled date.

Is there a limit to the number of trips I can take if I have their annual policy?

Their annual plan covers you for all travel taken within a 12 month period. There's no limit to the number of trips you can take so long as each trip is no more than 90 days.

How is my insurance premium calculated?

Your premium is calculated based on a number of factors including duration, destination, extreme sports, number of travellers. Your premium is also based on the level of coverage you choose.