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Coverage / Benefits Schedule
| Allianz Motor Protect | Maximum benefit (SGD) | ||
|---|---|---|---|
| Section 1: Basic Motor Benefits | Third-Party Only | Third-Party Fire & Theft only | Comprehensive |
| Loss or damage to car by accident or theft (Vehicle must be repaired at an authorized workshop unless the optional cover "Repairs at preferred workshop" is chosen) | – | – | Up to Market Value of Car at time of accident |
| Loss or damage to car by fire and theft only (Vehicle must be repaired at an authorized workshop) | – | Up to Market Value of Car at time of accident | Up to Market Value of Car at time of accident |
| Taxi reimbursement | – | – | Up to S$100 per accident or breakdown |
| Towing costs | – | – | Up to S$500 per accident or breakdown |
| Authorized repair limit | – | – | Up to S$350 per accident |
| Damage to third-party property | Up to S$5 million per accident | Up to S$5 million per accident | Up to S$5 million per accident |
| Death or injury to third-party | Unlimited | Unlimited | Unlimited |
| Legal representation and defense | Up to S$3,000 per accident | Up to S$3,000 per accident | Up to S$3,000 per accident |
| 'New for Old' replacement car | – | – | New car replacement or cash value equivalent if the vehicle is less than 2 years old and is damaged beyond repair |
| Courtesy car benefit1 | – | – | Up to 10 days per accident or breakdown |
| Daily transport allowance1 | – | – | S$50 per day, up to 10 days per accident |
| 24/7 Roadside assistance | – | – | Included |
| Lifetime warranty on workmanship of repairs (Only at authorized workshops) | – | – | Included |
| Unlimited windscreen cover | – | – | S$100 excess for each replacement of windscreen |
| Section 2: Optional Cover with additional premium | |||
| No Claim Discount (NCD) Protector (Available for customers with NCD of 30% and above) | Available | Available | Available |
| Repairs at any workshop | – | – | Available |
| Personal Accident and Medical expenses (In the event of accidental death and total or partial permanent disability to the driver) | – | – | S$50,000 for Policyholder S$25,000 for Authorized Driver/Passenger Medical Expenses Coverage: S$1,000 per person |
1 Customer can only claim one of either “Courtesy Car” or “Daily Transport Allowance” benefit, (if applicable).
Please refer to the Policy Wordings for full details on the coverage, exclusions and all the other terms and conditions and FAQs for more information.
| Allianz Electric Motor Protect | Benefits | ||
|---|---|---|---|
| Coverage | Third-Party Only | Third-Party Fire & Theft Only | Comprehensive |
| Loss or Damage to Car by Accident, Fire or Theft (Vehicle must be repaired at an authorised workshop unless the optional cover "Repairs at any workshop" is chosen) | – | – | ✔ |
| Loss or Damage to Car by Fire and Theft only | – | ✔ | ✔ |
| Taxi Reimbursement (Up to $100 per accident or breakdown) | – | – | ✔ |
| Towing Costs (Up to $500 per accident or breakdown) | – | – | ✔ |
| Damage to Third-party Property (Up to $5,000,000 per accident) | ✔ | ✔ | ✔ |
| Death or Injury to Third-Party | ✔ | ✔ | ✔ |
| Legal Representation and Defense (Up to $3,000 per accident) | ✔ | ✔ | ✔ |
| 'New for Old' Replacement Car (If your car is less than 2 years old and damaged beyond repair) | – | – | ✔ |
| Courtesy Car1 (Up to 10 days per accident or breakdown) | – | – | ✔ |
| Daily Transport Allowance1 ($50 per day, up to 10 days per accident) | – | – | ✔ |
| 24/7 Roadside Assistance | – | – | ✔ |
| Lifetime Warranty on Repairs (If repaired at an authorised workshop) | – | – | ✔ |
| Unlimited Windscreen Cover ($100 excess for each replacement of windscreen) | – | – | ✔ |
| Electric and Electronic Components Cover (e.g. electric motor and charging cables) | – | – | ✔ |
| Advanced Driver Assistance Systems (ADAS) Cover (loss or damage to car when operating car under ADAS) | – | – | ✔ |
| Cyber Hacking Cover (loss or damage to car by malicious acts of hackers gaining unauthorised access to your car systems) | – | – | ✔ |
| Private Electric Car Charging Station Cover (not a result of an internal failure) | – | – | ✔ |
| Optional Cover With Additional Premium | |||
| Repairs at Any Workshop | – | – | ✔ |
| No Claim Discount (NCD) Protector (Available for customers with NCD of 30% and above) | ✔ | ✔ | ✔ |
| Personal Accident and Medical Expenses ($50,000 coverage for you and $25,000 coverage for your passengers in the event of death or Permanent Disability. We also cover medical expense costs of up to $1,000 per passenger.) | – | – | – |
1 Customer can only claim one of either "Courtesy Car" or "Daily Transport Allowance" benefit, (if applicable).
Please refer to the Policy Wordings for full details on the coverage, exclusions and all the other terms and conditions and FAQs for more information.
FAQs
There is coverage if the windscreen is cracked, chipped or broken. An excess of S$100 is applicable for each windscreen replacement.
Singapore, West Malaysia, and Thailand (within 80km of the border of Malaysia).
Yes you can, as long as your car is legally registered in Singapore under the relevant Singapore Road Traffic Act.
In case of emergency, Allianz helpline is available 24/7 at +65 6222 1919.
By having named drivers in your motor insurance policy, your named drivers will enjoy the same lower excess as you. Excess is the amount the policyholder is required to contribute before they can make a claim.
- Exchange particulars of all involved parties including name, NRIC/FIN, telephone number, address and insurer. Take note of the vehicle license plate(s) and take digital photographs and keep any in-car camera footage of your car, the other vehicle(s) and the surroundings, which can be included during the e-filing of accident reports later.
- Call Allianz hotline for a tow truck or for further advice on the accident.
- Report and bring your car (whether damaged or not) to the approved reporting centre/authorized workshop within 24 hours or by the next working day.
- Avoid all unauthorized tow truck operators or repair workshops. You may refer to the Motor Claims Framework at www.gia.org.sg which will provide clear and common procedures for the reporting of motor accidents.
Under Allianz Electric Motor Protect, we will cover losses or damages to your vehicle by malicious cyber acts, even when your electric vehicle is operated under Advanced Driver Assistance Systems.
For any defective workmanship in your accident repairs done by any of Allianz’s authorized workshops, you may proceed back to the same authorized workshop for repairs for as long as you are insured with Allianz.
In the event that your car is damaged beyond repair within the first 24 months of its first registration in Singapore, Allianz will at their option:
- Replace it with a new car of the same make, model, and engine capacity as your car; or
- If a new car of the same make, model and engine capacity is not available, replace it with a new car of a similar make, model, and engine capacity as your car; or
- Pay such cash equivalent in lieu of points (1) and (2) immediately above.
Yes, electric and electronic components such as high and low voltage cables, battery, electric engine, and electronic control units will be covered under Allianz Electric Motor Protect.
- Exchange particulars of all involved parties including name, NRIC/FIN, telephone number, address and insurer. Take note of the vehicle license plate(s).
- Take pictures of your car’s damages and the damages of the other damaged vehicle(s) involved. Capture all vehicles’ license plate(s).
- Take pictures of the accident location, capturing the surroundings and the vehicle(s) in its/their stationary position before moving it/them.
- Call the local police if there is any injured party. (999 for Malaysia / 191 for Thailand)
- Make a police report in the country where the accident occurred. Upon returning to Singapore, regardless of whether your car was damaged or not, report the accident to the Allianz authorized workshop together with your car within 24 hours or the next working day. If you have an in-car camera, please submit the video footage as well.
Allianz authorized workshops will assist you in liaising with their vendor to arrange for a courtesy car if the repairs to your car requires more than 24 hours.
No, NCD is not transferrable to another person except to your spouse, provided your spouse is purchasing a new Allianz Motor / Electric Motor Protect. This is a one-time transfer and it is non-reversible. After the transfer, your NCD for your existing motor insurance policy will become 0%.