AutoSurance is an all-in-one auto insurance plan that takes care of all your motoring needs. So you’ll have a worry-free trip whenever you drive. It offers a choice of two comprehensive plans at affordable premiums – Classic plan for basic coverage and Premier plan for added protection.

Unique benefits for Classic plan

• Up to S$20,000 personal accident coverage for the Insured
  In the event of death or permanent disability due to an accident whilst travelling in your car, this benefit pays up to S$20,000 over and above your other personal accident or life insurance.
• Up to S$500 for medical expenses
  Medical reimbursement up to S$500 per person for you and your passengers.

Unique benefits for Premier plan

• 100% compensation with New-for-Old car replacement
  In the event of a total loss due to accident, we will pay you the sum incurred to purchase a brand new car (of the same make and model) if your car is less than 12 months old
• Higher personal accident coverage of up to S$50,000 for the Insured
  In the event of death or permanent disability due to an accident whilst travelling in your car, this benefit pays up to S$50,000 over and above your other personal accident or life insurance.
• Up to S$1,500 for medical expenses
  Medical reimbursement up to S$1,500 per person for you and your passengers.
• Exclusive: A lump sum of S$1,000 compensation benefit for expenses incurred due to car theft
  An extra S$1,000 as replacement expenses for loss of car due to theft.
• Up to S$500 for loss of personal items in your car
  Coverage of up to S$500 per occurrence arising from theft or break-in.
• Excess waiver for accident repairs
  Full waiver of up to S$2,000 of your policy excess if you are entitled to 40% or 50% of No Claim Discount (NCD). 50% waiver of your policy ecess if your NCD is less than 40%.
• Use of courtesy car
  Available at HSBC’s appointed workshops*.

Extra value-added benefits for greater assurance for both plans

• Comprehensive coverage for accidental damages and loss to your car, and third party liability.
• Unlimited windscreen coverage (S$100 excess applies).
• Personal accident coverage for passengers and other drivers at S$10,000 per person, and up to a total of S$60,000.
• Coverage for your passengers against their potential negligence towards third parties.
• Coverage for malicious damages to your car due to strikes, riots and civil commotion.
• Coverage for damages to your car arising from convulsions of nature such as a typhoon, tsunami, earthquake, windstorm and flood.

Repairs at our appointed workshops

• Classic plan – Claims related repairs must be carried out at HSBC’s appointed workshops.
• Premier plan – Option to have accident repairs done at our appointed workshops or at the distributor’s workshops if your car remains under manufacturer’s original warranty.
• Special privileges from our appointed workshops
  – Online claim reporting
  – Six-month warranty on all repairs
  – Free and immediate towing service with our 24-hour hotline
  – Free car collection and delivery
  – Free car cleaning before collection

Latest changes for motor insurance

1. Insuring Your Motor Vehicle
2. What To Do After A Motor Accident
3. SAS Form
4. How to fill in the SAS Form

No Claim Discount (NCD) Protection
If you are enjoying 50% NCD entitlement, you can protect your NCD entitlement by taking up NCD Protection for an added level of coverage for the next claim you make.

An illustration of how NCD Protection works for an Insured with a 50% NCD:

Number of claims made during period of insurance	NCD entitlement on renewal of policy
Zero	At 50%
One	Remains at 50% (Instead of 20% without NCD Protection)
Two	Reduces to 20% (Instead of 0% without NCD Protection)
Three or more	Nil

NCD Protection premium table
Types of coverage	Annual premium (incl. GST)
Classic plan	S$80
Premier plan	S$100

For more information on the recent announcement of change, kindly visit www.gia.org.sg