Motor
Insurance
........................................................................................................................
United Motor Insurance provides insurance protection for you as the owner of a vehicle.
In Singapore, it is against the law to drive a motor vehicle without a valid insurance policy. The minimum requirement is that the Policy provides cover for personal injury to other parties.
Motor Insurance makes good sense. Besides covering you for personal injury to third parties, it could also cover you for costs if you damage someone else's property or for any other loss or damage you might suffer in a motor vehicle.
UOI offers three main types of motor insurance policies.
| 3 Types of Motor Insurance Policies |
|
Coverage |
Comprehensive |
Third
Party, Fire & Theft Cover |
Third
Party Only |
| Accidental death or injury to other parties |
 |
|
|
| Accidental damage to other parties' property |
|
|
|
| Your vehicle being damaged by Fire or stolen |
|
|
Not
covered |
| Accidental damage to your vehicle |
|
Not
covered |
Not
covered |
| Medical Expenses sustained by Insured or Authorised Driver or any passenger of the Insured vehicle as the direct and immediate result of an accident to the Insured vehicle. |
Not
covered |
Not
covered |
Not
covered |
| Personal Accident Insurance to Insured |
Not
covered |
Not
covered |
Not
covered |
| Windscreen damage |
|
Not
covered |
Not
covered |
| Legal liability of passenger for acts of negligence |
|
Not
covered |
Not
covered |
| Damage to your vehicle caused by flood, typhoon, hurricane, volcanic eruption or other convulsion of nature |
|
|
|
| Damage to your vehicle caused by riot, strike and civil commotion |
|
Not
covered |
Not
covered |
What
is a No-Claim Discount (NCD)?
If
you have not make a claim for a year or more, you are entitled to a No-Claim
Discount (NCD). The NCD reduces the policy premium for the following year.
The following table shows how the NCD is set:
| Private
Car Policies |
Commercial
Vehicle and Motorcycle Policies |
||
|
Period
of insurance with no claim |
Discount
on renewal |
Period
of insurance with no claim |
Discount
on renewal |
|
1
year |
10% |
1
year |
10% |
|
2
years |
20% |
2
years |
15% |
|
3
years |
30% |
3
years or longer |
20% |
|
4
years |
40% |
||
|
5
years or longer |
50% |
||
| Motor Claims Procedures |
In the event of an accident,
|
1.Do
not panic. Stay calm and take note of the vehicle number and the
driver’s name, address and contact numbers. |
|
2.
If possible, take photographs at the scene of the accident showing
the position of the vehicles and the damages. Forward the photographs
to UOI as soon as possible |
|
3.
Ask for the insurance particulars of the other party/ parties involved
in the accident. |
|
4.
Refrain from making any liability arrangement, offer or promise
with regard to the accident. |
|
5.
Ask for the name, address and contact numbers of the independent
witnesses, if any. |
|
6.
Complete Part I of the Singapore Accident Statement (“SAS”)
at the scene of the accident together with the other driver involved
in the accident. Sign it and have the other driver sign it too.
Take one copy and give the other copy to the other driver. |
|
7.
Complete Part II of the Singapore Accident Statement (“SAS”)
within 24 hours of an occurrence of an accident |
|
8.
This requirement is waived if your claim is only for windscreen
damage (provided it is covered), in which case, please notify UOI’s
Claims Department. |
|
9.
If the accident is: a. an injury case; b. a non-injury case involving a government vehicle or damage to government property; c. a non-injury involving a foreign vehicle; d. non-injury case involving pedestrian or cyclist; or e. a non-injury “hit-and-run” case, lodge a police report in addition to completing the SAS Form. Submit to UOI a copy of a police report, insurance certificate, driver’s identification card and driving license within 10 days of the accident. This is regardless of whether you are claiming under your own policy. |
|
10. If
you are making a claim under your own policy, request the workshop
to submit a quotation for repairs to UOI. |
|
11.
Insureds have the Option to go to ANY workshops
of his choice to repair. |
|
Important
Contact Numbers |
For
assistance after business hours, weekends, public holidays, you may call:
Tel: 6453 8110
For
enquiries on the procedures on Motor Claims and other general enquiries,
you may call the UOI Claims Department at:
Tel: 6222 7733
| Quotation for Motor Insurance |
You
may call us at :
Tel: 6396 0880
during business hours for quotation on Motor Insurance. Please provide
us with the following details:
| 1. Name | 2. Address | 3. Age | 4. Occupation |
| 5. Years of Experience | 6. Make, Model & Age of Vehicle | 7. No Claim Discount (if available) | 8. Use of vehicle (eg: hire, private use) |
Alternatively, you may also email your enquiries to us for follow up.