We only offer an Any Workshop plan. This means that you will be able to go to any workshop for repairs in event of accident.

Under GREAT EV Protect, you can repair your car at any workshop of your choice (including at authorised dealers’ workshops).

You can:

• Call us at 6248 2888 (9am to 5.30pm, Monday to Friday, excluding public holidays)
• Email GEMotor@greateasterngeneral.com

Simply go to GREAT EV Protect webpage and click ‘Learn more & apply’.

To apply for GREAT EV Protect, you must be a Singapore resident with an NRIC or FIN card, and fulfil these conditions:

• You have not had more than 2 at-fault claims (excluding windscreen claims) in the last 3 years
• Your driving licence has not been revoked or suspended in the last 3 years
• You have never been convicted of DUI (Driving Under the Influence) or DWI (Driving While Intoxicated)
• You have never been refused from buying or renewing car insurance, or had your car insurance cancelled or voided by an insurer
• Your private car is registered under your name as an individual
• Your private car is used only for non-commercial purposes
• Your private car is in roadworthy condition based on Land Transport Authority (LTA) guidelines
• Your private car is no more than 15 years from year of manufacture

No, GREAT EV Protect is only applicable to privately owned and registered electric vehicles. This excludes vehicles used for private hire.

We regret that certain vehicles may not be eligible, depending on the vehicle make/model or power rating, the applicant’s claim history and whether special modifications were made to the vehicle.

Certain models – for example, high-performance, exotic or luxury ones – are not on our website as they require further underwriting. Please call us at 6248 2888 from 9am to 5.30pm, Monday to Friday (excluding public holidays) – or email GEMotor@greateasterngeneral.com – so we may assist you.

Do note that GREAT EV Protect only covers electric vehicles. If you wish to get coverage for internal combustion engine vehicles, please consider AutoWise car insurance instead.

We provide cover as long as your vehicle modification is within the Land Transport Authority (LTA) guidelines and carried out by a certified technician. Please note that damaged parts will be covered based on the manufacturer’s standard specifications.

You are automatically entitled to the Safe Driver Discount if your NCD is 30% or higher.

Your quote is valid for 14 days from the date that you obtained it.

Because GREAT EV Protect is an Any Workshop plan, you will be able to go back to the vehicle’s authorised distributor both during and after the warranty period for repairs in event of accident.

If you have applied online, your policy documents will be emailed to you once we have confirmed your payment. No hardcopy documents will be sent to you.

This is governed by the Motor Vehicles (Third-Party Risks and Compensation) Act 1960, under which motorists are required to have an insurance policy to cover their liabilities against third party bodily injury and/or property damage.

Yes, you can make a claim for damages to your vehicle caused by falling trees, flooding and fires by arsonists.

Excess is the first amount of the claim that you must pay. For example, if the excess is S$300 and the total repair cost is S$2,000, you will have to pay S$300. The insurer will bear the remaining cost of S$1,700.

We will pay compensation for bodily injury sustained by you (the Insured), Authorised Driver and/or Passenger(s) as a result of a car accident. Compensation payable will be up to the benefit limits stated in the policy.

We will provide reimbursement of up to S$1,000 to each injured person for reasonable medical expenses incurred in connection with bodily injury sustained by you (the Insured), Authorised Driver and/or Passenger(s) as a result of a car accident.

Windscreen damage has a separate excess from other damages to your car. The windscreen benefit covers the cost of reinstating any glass in the car windscreen and is subject to an excess of S$100 for each claim. Our policy offers unlimited reinstatements of windscreen cover.

Yes, it does.

This means that we will cover up to the assessed value of your vehicle as at the time of the accident. We will derive this value by comparing retail prices for vehicles of the same make, model, age and condition.

You are covered when you drive in Singapore, West Malaysia and parts of Thailand that are within 80.5km of the border between Thailand and West Malaysia.

No, you will not be covered if you use your vehicle for hire and reward purposes.

You can call our 24-hour emergency assistance hotline at +65 6535 0511.

Yes, you can include up to 3 named drivers. If you need to change the details of the named driver(s), please email GEMotor@greateasterngeneral.com to let us know.

If an Unnamed Driver gets into an accident while using your vehicle and you make a claim, an additional Excess¹ will apply on top of the standard excess. Here are the details:

¹ Excess is the amount that the policyholder is required to contribute before he/she can make a claim.
² An Unnamed Driver is someone who has not been named under a car insurance policy.

The policy premium is calculated based on the profiles of the primary driver and any named drivers. Depending on the risk profiles of the drivers, the premium may remain, increase or decrease.

It is important to disclose relevant information in your application so that the risks can be assessed accurately.

A No Claim Discount (NCD) is an entitlement given to you if no claim has been made under your policy for a year or more with the existing insurer. It reduces the premium you have to pay for the following year. NCD is recognised by all insurers across the industry.

The NCD is a way of rewarding you for being a careful driver. The following table shows how it is determined by most insurers across the industry.

The NCD is tied to you, not the vehicle. If you sell your existing vehicle and buy a new one, your existing NCD can be used when you buy insurance for the new vehicle. However, you cannot apply an existing NCD to multiple vehicles.

The NCD is tied to you, the policyholder, not the vehicle. It can only be applied to one vehicle at a time. If you own more than one vehicle, you will need to decide which vehicle to apply your NCD to.

Here are some possible scenarios:

• If you sell your existing vehicle and buy a new one, you can transfer the existing NCD to the new vehicle.
• If you buy a new vehicle and keep your existing one, you can choose to transfer the existing NCD to the new vehicle. The NCD applicable to your existing vehicle will then become 0% again (you will be able to increase it over the years so long as you continue to not make claims).
• Alternatively, you can choose to not transfer your existing NCD to the newly-purchased vehicle. You will be able to increase the NCD applicable to the new vehicle over time by remaining accident-free.

As long as you have an NCD of 40% or higher, you can choose to add on the NCD Protector benefit. This is an optional benefit that requires additional premium to be paid.

With the NCD Protector, your NCD will be protected if you make a claim during the insurance period. Your NCD will be affected if you make more than one claim during the insurance period. Here are the details:

The NCD Protector benefit can be transferred between insurers.

We will check with your previous insurer and adjust the NCD accordingly:

• If your actual NCD is higher than declared: We will return you the difference in premium.
• If your actual NCD is lower than declared: You will need to pay us the difference in premium.

We may refuse to accept the liability for the accident in view of a breach in policy conditions. Your NCD will be further reduced by 10%, in addition to any reduction in NCD resulting from the claim made under your car insurance policy.

Your NCD will remain valid for 24 months from the end date of the policy you last held.

You will not be able to transfer your NCD to a person other than your spouse (provided that your spouse is buying a new car insurance policy from Great Eastern). This transfer would be one-time only and non-reversible. After the transfer, the NCD applicable to your existing car insurance policy will become 0%.

You will not be able to transfer your NCD to a person other than your spouse (provided that your spouse is buying a new car insurance policy from Great Eastern).

No, NCD levels for motorcycles/commercial vehicles are different from private cars’.

Yes, you can – provided that no claims have been made under your car insurance policy. You will also need to top up the difference in premium resulting from the withdrawal of your NCD.

We will send you a renewal notice around 2 months before your existing policy expires.

You can do so using any of these methods.

Please call us at 6248 2888 from 9am to 5.30pm, Monday to Friday (excluding public holidays) – or email GEMotor@greateasterngeneral.com – so we may assist you.

If you intend to sell or deregister your car, please let us know that you wish to cancel your policy.

You will need to provide us with your certificate of insurance and the transfer of ownership/deregistration document issued by the Land Transport Authority (LTA). Please email them to us at GEMotor@greateasterngeneral.com or mail them to:

Great Eastern General Insurance Limited,
1 Pickering Street, #01-01 Great Eastern Centre, Singapore 048659

The premium refund will be calculated as follows:

[80% of premium] x unexpired period of insurance (in days) / original period of insurance* (in days)

No refund will be payable if:

• The premium refund is less than S$25; or
• A claim arose under the policy prior to its cancellation.

You will need to return the certificate(s) of insurance to us on or before the date of cancellation and pay the premium due.

* The original period of insurance will be deemed to include any extension of period in the policy.

Under the Motor Claims Framework (MCF), you should lodge a GIA report at any of our Authorised Accident Reporting Centres if you get into an accident, regardless of severity. You must do so within 24 hours or by the next working day. If no claim is submitted against your policy, the report will not affect your policy/NCD. The accident report is important as it will provide us with the information necessary to handle any claims made against your policy arising from the accident.

For more information about the MCF, please visit GIA’s website.

Please take these steps:

1. Exchange particulars (i.e. name; driving licence, NRIC/passport and contact numbers) with the other driver(s) involved in the accident. Take note of the vehicle numbers.
2. Take photos of the accident scene and the damage caused to the vehicles involved.
3. Call our 24-hour towing helpline at +65 6535 0511 for towing service if needed.
4. If a towing service is not needed, send your damage vehicle to any workshop of your choice (including the dealer’s workshop).
5. Make a police report as soon as possible or within 2 hours of the accident if the accident involves:
   • Fatality;
   • Damage to government property;
   • Foreign-registered vehicles;
   • Government-registered vehicles;
   • Pedestrians or cyclists;
   • Hit-and-run;
   • Vandalism or theft of your car; or
   • Injuries.
6. If you have video recordings of the accident, keep them. They should be submitted alongside the accident report and claim.
7. File a report at an Authorised Accident Reporting Centre within 24 hours or by the next working day, even if you do not intend to make a claim.
8. If you receive any Writ of Summon or Letter of Demand from Third Party against you due to the accident, do not reply to it. Forward it to Great Eastern immediately.

Please note that filing a report at an Authorised Accident Reporting Centre – within 24 hours or by the next working day – is mandatory under the Motor Claims Framework. Failure to do so would allow the insurer to apply a late reporting penalty against your NCD, and repudiate liability indemnifying you for the repair to your damaged vehicle and your liability towards damage caused to third party property and/or injury.

Under the Motor Claims Framework endorsed by the General Insurance Association of Singapore, you are required to file an accident report regardless of whether you intend to make a claim.

Under the Motor Claims Framework, all motor accidents must be reported to your insurer within 24 hours or by the next working day. You should do so even if the accident was trivial or if there is no visible damage, or if you do not intend to make a claim.

No, there are no reporting fees.

Yes. We will inform you once we receive any letter of demand from a third party.