HL Assurance Car Insurance Singapore
As the car insurance services arm of Hong Leong Financial Group, HL Assurance car insurance offers plans that cover you, your car and your passengers. Enjoy comprehensive coverage including 24-hour roadside assistance in case of breakdowns, extensive personal accident coverage of up to $20,000, additional medical coverage and complimentary car servicing.
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Why You Should Choose HL Assurance Car Insurance
24/7 Roadside & Medical Assistance
Get covered with round-the-clock roadside and medical assistance in the event of any road-related emergency in Singapore, West Malaysia and parts of Thailand.
Personal Accident Cover
Up to $20,000 coverage for policyholder and up to $10,000 for authorised driver and passengers when injured in a car accident.
Medical Expenses
Claim up to $1,000 per person (driver and passengers) for medical expenses if you are injured in a car accident.
Transport Allowance
$50 daily transport allowance will be provided while your vehicle is under repair (if repair exceeds three days). Capped at 10 days or up to a total of $1,000.
25% Discount
Enjoy 25% off your car insurance premium if you sign up as a new customer with HL Assurance.
HL Assurance Car Insurance Add-ons
NCD Protector
Protect your No Claim Discount (good for one claim only and only applicable if you have 50% NCD) in the event of a first claim.
Flexible Workshops
Add on for the flexibility to choose a workshop of your choice (not limited to HL Assurance authorised workshops).
Young Driver Excess Waiver
Pay more to waive the high excess for young drivers (27 years old and below, with a license for less than 2 years).
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Review of HL Assurance's Car Insurance
Features & Benefits
- Complimentary silver car servicing, paint protection service or 2-in-1 air conditioner treatment
- Complimentary 24-hour roadside and medical assistance in case of breakdowns in Singapore, West Malaysia and parts of Thailand
- Repair guarantee of at least 9 months and replacement with genuine manufacturers’ parts
- Up to $20,000 personal accident cover and additional medical expenses coverage in the event of an accident
- Unlimited coverage for death or injury to third party and up to $5 million coverage for damage to third party property
HL Assurance is Best Known for
- 10% to 20% NCD penalty – among the lowest in the market (compared to the industry standard of 30%). This means that only 10% or 20% (depending on your existing NCD level) will be deducted in the event of any claims
- Free car servicing and 25% discount off premiums for new customers
How To Apply For Your Car Insurance Plan
Applying for a car insurance policy through MoneySmart
Let us know your needs
If you find downloading insurance policy brochures and comparing them side by side a hassle, use our intelligent system to find the best car insurance quotes for you. Fill in a simple online form and we'll have you going.
Speak to our insurance specialists
After you’ve submitted the online form, our insurance specialists may call to clarify your needs and explain your options to you. Seize this chance to ask our experts the burning questions you may have about car insurance!
Apply and purchase your car insurance
Once you have spoken to our insurance specialists, considered your options, and planned your finances, you are ready to apply for your car insurance plan with our guided assistance.
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HL Assurance Car Insurance Claims
How do claims work?
Firstly, you’ve got to be clear of the parties involved in a car accident before you make a claim.
The First Party
Once you’ve purchased a car insurance policy from HL Assurance, you become the First Party in terms of the contract.
The Second Party
The insurance company, HL Assurance, from whom you have purchased the policy by paying the insurance premium for your vehicle, is the Second Party in the contract.
The Third Party
Someone other than the First (you) and Second Party (HL Assurance). It can be anyone. For example, another driver on the road or a cyclist on the street.
Here are 6 steps to a successful car insurance claim
Report to HL Assurance within 24 hours of the accident
Be it a First Party or Third Party Claim, HL Assurance requires claim reports to be made within 24 hours. It is best to inform HL Assurance within this timeframe regardless of whether or not you intend to claim on your own policy or if your car is damaged. This is to avoid breaching the policy’s terms and conditions, which may affect your claim process. As long as a third party is involved, HL Assurance would still need to have his/her details (regardless of whether he/she submits a claim against you).
Take damage and accident scene photos
Take photos with tight shots and wide shots from various angles to ensure that you get sufficient photographic footage of the scene and context of the accident. The license plates of all vehicles involved should be photographed as well, as all these might be needed as evidence for HL Assurance to process your claim. This is mandatory for both First Party and Third Party Claims.
Get the other driver’s contact details
This step will not be applicable for First Party Claims. For Third Party Damage Claims, you will need his/her contact details which include:
- Driver names of all involved
- NRIC numbers
- Address of driver / drivers
- Car insurance company of vehicles involved
- Contact numbers
Avoid moving the vehicle
When you get into an accident on your own or with other parties, do not move the vehicle or vehicles involved, unless they are in the middle of the road and pose a safety hazard. When it comes to Third Party Damage Claims, moving the vehicles may give HL Assurance and the other driver’s insurance company a chance to dispute your claim.
Submit claim report to HL Assurance
After contacting HL Assurance’s emergency hotline at +65 6922 6009 or any of their nearest authorised workshops, HL Assurance will send someone to assist you at the accident site and arrange for medical attention, vehicle removal and alternative transportation. You are required to make a report and submit a claim by email to [email protected] or post to HL Assurance’s office at 11 Keppel Road #11-01 ABI Plaza Singapore 089057. If you’re planning to pay off the repair costs on your own to save on claim cost or protect your No Claim Discount (NCD), you’ll still have to lodge a report to HL Assurance’s Claims hotline at +65 6922 6003.
Get your car fixed at any HL Assurance authorised workshop
Some insurers like HL Assurance offer complimentary towing services while others may charge a separate fee. It is advisable to avoid using other tow operators or touts as this will delay your claim. Seek advice from HL Assurance’s emergency hotline at +65 6922 6009 if you are unsure. You have the option to send your car to the workshop of your choice instead of HL Assurance’s authorised workshops if you’ve got the “Flexible Workshops” add-on.
More Things To Know
HL Assurance Car Insurance Refunds & Cancellations
To cancel your policy, you must inform HL Assurance via phone call or WhatsApp message to their Customer Care & Sales Hotline at +65 6702 0202. The cancellation will take effect from the date HL Assurance receives your original Certificate of Insurance. If you have already made a claim, you will not be entitled to a refund.
HL Assurance Car Insurance Hotlines
For accidents and emergencies, call their emergency hotline at +65 6922 6009 (available 24/7), or Customer Care & Sales Hotline at +65 6702 0202 (9am to 6pm on weekdays). Alternatively, you may email [email protected].
HL Assurance Authorised Workshops
For more details and the complete list of authorised workshops, refer to HL Assurance’s Authorised Workshops page.
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Frequently Asked Questions
How do I cancel my HL Assurance car insurance?
- To cancel your policy, you must inform HL Assurance in writing (via WhatsApp) or by phone call to their Customer Care & Sales Hotline at +65 6702 0202 (9am to 6pm on weekdays). The cancellation will take effect from the date HL Assurance receives your original Certificate of Insurance.
How do I claim for a car accident in Singapore?
- Call HL Assurance’s emergency hotline at +65 6922 6009 within 24 hours after the incident. HL Assurance’s 24-hour roadside and medical assistance team will send someone immediately to assist you at the scene.
What is NCD insurance?
- No-Claim Discount (NCD) is an annual discount given to policyholders who have not made any claims during their policy term. An NCD Protector allows you to retain your hard-earned NCD in the event that you make a claim.
Does HL Assurance charge to cancel car insurance?
- If you cancel your policy, you will be entitled to a refund of your premium paid, minus the period you have been covered.
When is the Young/Inexperienced Driver Excess applicable?
- It is applicable (in addition to the Own Damage Excess) if the insured vehicle is driven by any person (other than the Policyholder) who at the time of loss or damage to the vehicle is below 27 years old and/or has held a valid driving license for less than 2 years.
Can I renew HL Assurance car insurance online?
- Your HL Assurance car insurance can be renewed online or you can give a call to their Customer Care & Sales Hotline at +65 6702 0202 and the service staff will assist you with your renewal. However, other insurers may quote more competitive premiums, so do compare the best car insurance premiums with MoneySmart before you renew.
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