MSIG Car Insurance Singapore

MotorMax Plus lets you have your car repaired at the workshop of your choice (do not have to be MSIG’s list of authorised agent workshops).

This add-on is available only to holders of 30% NCD or higher at an additional premium. It protects your NCD entitlement in the event of a first claim in the policy year.

This Excess (the initial amount required to pay for any claim) Waiver is valid for the first 2 claims related to the loss or damage to your insured vehicle during the policy year.

For instance, if your policy has a standard Excess of $600, this amount is typically paid upfront out of pocket before your insurer covers the rest. But, with an Excess Waiver benefit added, this $600 is waived for your first 2 claims made that year—meaning no upfront payment is needed for those claims.

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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.

Be it a First Party or Third Party Claim, MSIG requires claim reports to be made within 24 hours. You have the option of calling their 24-hr helpline at +65 6827 7660 or e-filing the accident report through MSIG's authorised workshops within 24 hours, or the next working day of the accident. It is best to inform MSIG within 24 hours regardless of whether or not you intend to claim on your own policy or if your car is damaged.

You’ll also be required to make a police report at the nearest police station within 24 hours if injury is involved in the car accident you’re in, or when a government vehicle or property is damaged e.g. road dividers, lamppost, etc. These actions are needed so as to avoid breaching the policy’s terms and conditions, which may affect your claim process.

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 MSIG to process your claim. This is mandatory for both First Party and Third Party Claims.

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

Do not move the vehicle or vehicles involved in the accident 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 MSIG and the other driver’s insurance company a chance to dispute your claim.

After notifying MSIG, MSIG will send professional help to assist you at the accident site and arrange for medical attention, vehicle removal and alternative transportation. You are required to make an e-report with your Motor Certificate of Insurance and/or submit a claim in person at any of their authorised workshops.

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 at any of MSIG’s authorised workshops. Do remember to call the authorised workshop before dropping by.

While some insurers like MSIG offer complimentary towing, lockout or battery jumpstart services, others may require you to use only tow trucks belonging to their or a partner company. Only use your insurer’s tow service, as any other tow service might complicate your claim. Seek advice from MSIG’s 24-hr helpline at +65 6827 7660 if you are unsure. You have the option to send your car to the workshop of your choice instead of MSIG’s authorised workshops if you’ve got the “MotorMax Plus” add-on.