OCBC AutoWise | Car Insurance Singapore | Comprehensive Coverage

AutoWise Car Insurance

Drive with peace of mind

Why you will love this

Competitive car insurance premiums

Covers loss or damage to your vehicle due to accidents

Covers third party injury or property damage

Who can apply

Anyone between 26 and 69 years old with a valid Singapore driving license

You must have at least 3 years of driving experience

You do not have more than 1 claim record exceeding S$5,000 for the past 3 years

Get a quote

Keep your worries off the road. Drive safe with AutoWise car insurance protection.

Features and benefits
Competitive premiums

Competitive premiums

Affordable car insurance premiums to offer you peace of mind on the road.

Accidental loss or damage

Accidental loss or damage

Enjoy coverage up to the insured vehicle's market value.

Third party injury or property damage

Third party injury or property damage

Unlimited cover for death or injuries, with up to S$5 million for property damage.

Personal accident coverage

Personal accident coverage

Enjoy personal accident protection for you and any passengers in your car.

Your coverage

Full coverage for AutoWise

Plan type Comprehensive
Any workshop 		Comprehensive
Authorised workshop 		Third party fire & theft Third party only
Own motor vehicle
Accidental loss of or damage to the insured vehicle

(up to market value - cover up to the valuation of the vehicle in the open market at the time of claim)


for fire & theft only

Towing service in the event of accident

Up to S$300

Not applicable
Windscreen cover

Unlimited reinstatements
(Subject to S$100 excess)

Not applicable
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Full coverage for AutoWise

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Own motor vehicle

Accidental loss of or damage to the insured vehicle

(up to market value - cover up to the valuation of the vehicle in the open market at the time of claim)

Comprehensive
Any workshop

Comprehensive
Authorised workshop

Third party fire & theft


for fire & theft only

Third party only

Towing service in the event of accident
Comprehensive
Any workshop

Up to S$300

Comprehensive
Authorised workshop

Up to S$300

Third party fire & theft

Not applicable

Third party only

Not applicable

Windscreen cover
Comprehensive
Any workshop

Unlimited reinstatements
(Subject to S$100 excess)

Comprehensive
Authorised workshop

Unlimited reinstatements
(Subject to S$100 excess)

Third party fire & theft

Not applicable

Third party only

Not applicable

Plan type Comprehensive
Any workshop 		Comprehensive
Authorised workshop 		Third party fire & theft Third party only
Medical expenses and personal accident benefits INCREASED LIMIT
Medical expenses reimbursement

Up to S$1,000

Not applicable
Personal accident benefits for INCREASED LIMIT
Insured

Up to S$120,000

Not applicable
Authorised driver and/or passenger(s)

Up to S$50,000

Not applicable
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Medical expenses and personal accident benefits INCREASED LIMIT

Medical expenses reimbursement
Comprehensive
Any workshop

Up to S$1,000

Comprehensive
Authorised workshop

Up to S$1,000

Third party fire & theft

Not applicable

Third party only

Not applicable

Personal accident benefits for INCREASED LIMIT

Insured
Comprehensive
Any workshop

Up to S$120,000

Comprehensive
Authorised workshop

Up to S$120,000

Third party fire & theft

Not applicable

Third party only

Not applicable

Authorised driver and/or passenger(s)
Comprehensive
Any workshop

Up to S$50,000

Comprehensive
Authorised workshop

Up to S$50,000

Third party fire & theft

Not applicable

Third party only

Not applicable

Plan type Comprehensive
Any workshop 		Comprehensive
Authorised workshop 		Third party fire & theft Third party only
Coverage for liability to third parties
Liability to third parties for Death or bodily injury

Unlimited
(Up to the amount the Insured is legally liable to pay)
Liability to third parties for Damage to property

Up to S$5,000,000
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Coverage for liability to third parties

Liability to third parties for Death or bodily injury
Comprehensive
Any workshop

Unlimited
(Up to the amount the Insured is legally liable to pay)

Comprehensive
Authorised workshop

Unlimited
(Up to the amount the Insured is legally liable to pay)

Third party fire & theft

Unlimited
(Up to the amount the Insured is legally liable to pay)

Third party only

Unlimited
(Up to the amount the Insured is legally liable to pay)

Liability to third parties for Damage to property
Comprehensive
Any workshop

Up to S$5,000,000

Comprehensive
Authorised workshop

Up to S$5,000,000

Third party fire & theft

Up to S$5,000,000

Third party only

Up to S$5,000,000

Plan type Comprehensive
Any workshop 		Comprehensive
Authorised workshop 		Third party fire & theft Third party only
Optional add-on benefits
Loss of use cover

S$80 per day, up to a maximum of 7 days

Not applicable
No Claim Discount (NCD) Protector

Applicable for policyholders with 50% NCD

Find out the NCD you are entitled to
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Optional add-on benefits

Loss of use cover
Comprehensive
Any workshop

S$80 per day, up to a maximum of 7 days

Comprehensive
Authorised workshop

S$80 per day, up to a maximum of 7 days

Third party fire & theft

Not applicable

Third party only

Not applicable

No Claim Discount (NCD) Protector
Comprehensive
Any workshop

Applicable for policyholders with 50% NCD

Find out the NCD you are entitled to

Comprehensive
Authorised workshop

Applicable for policyholders with 50% NCD

Find out the NCD you are entitled to

Third party fire & theft

Applicable for policyholders with 50% NCD

Find out the NCD you are entitled to

Third party only

Applicable for policyholders with 50% NCD

Find out the NCD you are entitled to

How to claim

Make an accident report with the authorised workshops within 24 hours of the accident. If towing service is required, please call the 24-hour towing helping at +65 6535 0511.

Learn more about how to make a claim 

Before you apply

Eligibility requirements

Age

26 to 69 years old, with a valid Singapore driving license

Driving experience

At least 3 years

Claim record

Not more than 1 claim record exceeding S$5,000 for the past 3 years




 

More information

Important notes

Policy Owners' Protection Scheme

Policy wording

Let's get started

Apply for AutoWise today

Get a quote

or get us to contact you.

FAQs
Common questions about AutoWise Car Insurance
More questions and answers
Which plan type can I purchase?

Comprehensive policies are suitable for vehicle owners who prefer to cover legal obligations for damages caused to a third parties and repair damage to own vehicle caused by accidents, fire, flood and theft to the vehicle. However, your choice of plan may depend on the age of your vehicle.

Currently, all comprehensive plans are available only to vehicles of 10 years or less only. This age is determined by deducting the ‘Year of Insurance’ against the ‘Year of Manufacture’ of the vehicle.

Can I apply AutoWise to insure my commercial vehicle?

No, AutoWise is only applicable to private motor vehicles.

Are all private motor vehicles eligible to apply for AutoWise?

Normally, all private motor vehicles are eligible. However, there may be instances where we may need to underwrite the vehicle on a special basis due to make and model, engine capacity, special modifications and claims history.

What is NCD? How will it affect my premiums?

NCD or “No Claims Discount” is used to lower the policy premium. For first time vehicle owner, you will start off with 0% NCD. For every policy year that you make zero claims, your NCD increases 10% each year, up to the maximum of 50%. NCD is recognised by all insurers across the industry and a way for insurers to reward you for having been a careful driver.

More questions and answers

Important notes

The above is for general information only. It is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. The precise terms and conditions of the plans are specified in the insurance policy contract. GREAT EV Protect is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and member of the OCBC Group. GREAT EV Protect is not a bank deposit or obligation of, or guaranteed by OCBC Bank.

No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.

Information presented as at 22 February 2024.

Policy Owners' Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).

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