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Excess waiver for in-car camera FAQs

All AIG private car insurance customers with their policy effective date between 1 November 2016 and 30 October 2017 will be eligible for the in-car camera excess waiver, subject to terms and conditions. This will also be applicable to commercial vehicles insurance customers. However, do note that vehicles that are issued under a fleet or motorcycle policy will not be eligible for in-car camera excess waiver. 

Since your car is being repaired at our authorised workshop with NCD below 50%, you will be eligible for a 50% excess waiver up to S$500. On top of this, given that you have fulfilled the terms for in-car excess waiver, you will be able to enjoy another S$500 excess waiver. This means that your total applicable excess waiver or out-of-pocket cost is reduced by S$1,000. Overall, you will need to pay S$500 out of the S$1,500 excess (subject to GST).

At times, liability assessment can take longer due to investigations. If the liability assessment is not finalised when your car is ready for collection from the repairer, you will have to pay the excess first and AIG will reimburse you once the liability assessment has been concluded.

As you are established to be at fault for the accident, you will be eligible for a 50% excess waiver, i.e., your out-of-pocket expense will be reduced by S$750 for your accident repair at the dealer’s workshop.  Your video recording that was submitted would also help AIG to assess and settle any third party claims fairly.

At times, liability assessment can take longer due to investigations. If the liability assessment is not finalised when your car is ready for collection, you will have to pay the excess first and AIG will reimburse you once the liability assessment has been concluded.

In-car camera excess waiver is only applicable when you are involved in an accident with a third party vehicle. Although the in-car camera excess waiver does not apply to you, if this was your first accident during the period of insurance and you were the driver at the time of accident you are still eligible for an excess waiver of up to S$1,000 under our excess waiver for safe drivers offered to our AutoPlus customers.

AIG offers cover for your in-car camera provided you declare it under fixtures and fittings with a specified sum insured when you purchase your car insurance policy. In the event that your in-car camera is damaged in an accident, we will either replace it or repair it up to the sum insured.

Policy Lifetime Repair Guarantee FAQs

The Policy Lifetime Repair Guarantee is offered on workmanship and paintwork for your own damage accident repairs carried out by any of our 8 authorised workshops subject to these terms and conditions:

  • The coverage for the Policy Lifetime Repair Guarantee starts on 1 August 2016. Hence, we will cover your own damage repairs as long as the date of the accident is on or after 1 August 2016. It does not matter if you purchased your AIG car insurance policy before 1 August 2016 as long as your policy is in force and you meet the terms and conditions of the Policy Lifetime Repair Guarantee.
  • The Policy Lifetime Repair Guarantee is limited to the 8 authorised workshops (“Authorised Guarantee Workshops”) listed in the table below:
No AIG Authorised Guarantee Workshops
1 ComfortDelGro Engineering Pte Ltd, 205 Braddell Road, Singapore 579701
2 Kan Fook Sing Motor Workshop, 61 Defu Lane, Singapore 539147
3 Lai Huat (Meng Kee) Motor Pte Ltd, Blk 21 #01-58 Sin Ming Industrial Estate Sector A, Singapore 575679
4 ETHOZ Group Ltd, 30 Bukit Batok Crescent, Singapore 658075
5 Progressive Automotive Pte Ltd, Blk 3022A Ubi Road 1, #01-46 Singapore 408716
6 DPS Body & Paint, Cycle & Carriage Auto Hub, 209 Pandan Gardens, Singapore 609339
7 Mova Automotive Pte Ltd, Blk 1008 Bukit Merah Lane 3, #01-04/06/08, Singapore 159722
8 SME Motor Pte Ltd, 1 Kaki Bukit Avenue 6, Blk D #02-15, Autobay @ Kaki Bukit, Singapore 417883
  • In the event of any defects in workmanship and paintwork for your approved own damage accident repairs, our Authorised Guarantee Workshops will promptly rectify any such defects at no cost to you.

IMPORTANT NOTES:

The Policy Lifetime Repair Guarantee is non-transferable. It will terminate once:

  • you sell or transfer ownership of the insured vehicle;
  • you do not have a valid car insurance policy with AIG, e.g., if you do not renew with AIG or if your car insurance policy with AIG is cancelled;
  • defects are caused by repairs done at workshops other than the Authorised Guarantee Workshops.

In addition, the Policy Lifetime Repair Guarantee also does not apply to:

  • Accident damage repairs that you claim against third parties, irrespective of the workshop where the repairs are carried out at.
  • Defects caused by normal wear and tear, improper maintenance or any area that is not damaged in relation to a car accident and is not covered by your car insurance policy with AIG.
  • Any liability to third parties for damage to their property, including, but not limited to, their automobiles.
  • Defects to automobile parts, unless such defects are caused by incorrect installation of the parts by the Authorised Guarantee Workshop or such parts were inherently defective at the time of installation by the Authorised Guarantee Workshop.

General Car Insurance FAQs

You can renew your car insurance in the following ways:

Ways to renew

How to renew  

Payment options

By mail

Send your renewal notice to:

AIG Building
78 Shenton Way, #07-16
Singapore 079120

  • Credit card (Visa and MasterCard)
  • Cheque made payable to 'AIG Asia Pacific Insurance Pte. Ltd.'
     

By fax

Fax your renewal notice to 6415 3723
 

Credit card (Visa and MasterCard)
 

By phone

Call us at 6419 3000

Credit card (Visa and MasterCard)

Over the counter

Visit the AIG Customer Service Centre at:
AIG Building
78 Shenton Way, #07-16
Singapore 079120

Operating hours:
9:00am to 5:00pm
Mondays to Fridays, excluding Public holidays

Note: You can also renew your road tax here

  • Cash
  • NETS
  • Credit card (Visa and MasterCard)
  • Cheque made payable to 'AIG Asia Pacific Insurance Pte. Ltd.'
     

For renewals by mail, fax or phone, please renew your car insurance at least 7 working days before your road tax expires. This is to ensure that you have sufficient time to renew your road tax.

You can renew your road tax at any SingPost branch or Vicom centre, or at our customer service centre located at:

AIG Building
78 Shenton Way, #07-16
Singapore 079120

Our operating hours are 9:00am to 5:00pm, Mondays to Fridays, excluding Public Holidays.

You can pay by cash or cheque (to be made payable to LTA).

Note: If a car inspection is required by LTA, please ensure that you have your car inspected before renewing your road tax. You will also need to bring along your original car inspection certificate when renewing your road tax.

A Young and/or Inexperienced Driver Excess ("YIDR") of S$3,000 (before GST), in addition to the Policy Excess, applies to You or any Authorised Driver (named and unnamed) who is below the age of 23 (in case of All Age Condition policies) and/or has less than 2 years’ driving experience. The YIDR Excess is not applicable to Named Driver policies.

If you are involved in an accident, follow these steps:

1. Exchange the following information with the other parties involved:

  • Vehicle registration number
  • Make, model and colour of the vehicle
  • Name, address and NRIC of the other driver
  • Contact number of the other driver
  • Insurance company of the other driver
  • Extent of damage to vehicles

Take photographs of the accident scene and damaged vehicles or property. If you have an in-car camera, please provide the video footage to us for further review and to support in your claim or recovery against the third party.

2. If there are injuries, call 995 or 999 for ambulance and police assistance. Do not remove the vehicles unless absolutely necessary to rescue or extricate injured parties.

3. File an accident report at any of our authorised reporting centres within 24 hours or by the next working day after the accident.

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.

View the list of AIG-approved accident reporting centres. You can also find the list in your certificate of insurance.

You can send your car to any of the workshops listed in your certificate of insurance.

You can call our 24-hour emergency assistance hotline at 6338 6200.

You can cancel your policy by notifying us in writing and returning these documents to us:

  • Your original certificate of insurance, 
  • A photocopy of your sales agreement or de-registration letter from LTA, and
  • A letter from you stating your intention of cancelling the policy.

Please send your cancellation documents to us at:

Customer Service Group 
AIG Asia Pacific Insurance Pte. Ltd.  
AIG Building 
78 Shenton Way, #07-16 
Singapore 079120

The cancellation will take effect from the date we receive your original certificate of insurance and supporting documents, or the date when your car was sold or de-registered, whichever comes first. 

Yes. You will receive a refund of 80% of the premium less a prorated amount to cover the period when you were covered under the policy.

You will receive a cheque for the refund within 4 to 6 weeks after the cancellation is done.

However, we will not be able to provide you with a refund if, on or before cancellation of your policy:

  • A claim has arisen.
  • The original certificate of insurance has not been sent to us.
  • The premium due has not been paid.

Your car insurance policy covers Singapore and Malaysia, up to 80.5km of the border between West Malaysia and Thailand.

If the car accident happens within the approved geographical area of your policy, please make a police report in the country where it happened. Upon returning to Singapore, you are required to report the accident to any of the AIG-approved reporting centres with the police report you have made. 

Yes, we cover flood damage. Your NCD will not be affected if you make a claim for flood damage.