Etiqa Private Car Insurance

Etiqa Private Car Insurance at a Glance

Buying auto insurance from Etiqa is a straightforward process as you only have 3 plans to choose from:

1. Third Party Only (TPO)

• Most basic cover that covers third-party damage only up to S$2,000
• Best for old cars at the end of their COE

2. Third Party, Fire & Theft (TPFT)

• Covers third party damage, fire and theft only up to S$2,000
• Towing costs covered up to S$200
• Suitable for older cars (8 years old and older)

3. Comprehensive

Provides comprehensive coverage with benefits like:

• Car repairs at more than 30 authorised workshops all over Singapore
• Towing costs covered up to S$200
• Transport allowance
• Medical expenses
• Also includes Third-party damage claims
• Personal accident cover ($50,000)
• No replacement car

Take note that Etiqa does not offer fringe benefits like roadside assistance or replacement for new cars that are damaged beyond repair. In general, Etiqa Comprehensive is the perfect no-nonsense option for a seasoned driver who knows how to handle a traffic accident.

What does Etiqa Private Car Insurance Cover?

What Kind Of Add-Ons Are Available With Etiqa Private Car Insurance?

Even though there is no premium version of the Etiqa comprehensive plan, there are optional add-ons that you might want to consider for your own peace of mind:

1. NCD Protector

• Protects your 50% No-claim Discount
• Good for one claim only

2. Workshop Of Your Choice

• Have the flexibility to choose a non-authorised workshop
• Might come with changes to the "Additional Excess" charged for elderly & young and inexperienced drivers

3. Sun/Moon Roof Cover

• Get covered up to $2,000 for your car's sun/moon roof

4. Solar Film Cover

• Receive damage coverage of up to $1,000 for your solar film
• Note: You might be thinking, "Why do I need insurance for my sun roof?" Most insurers don't cover repairs to the sun/moon roof as a standalone option, so if you wish to claim for repairs, this will affect your NCD.

Etiqa Private Car Insurance Review Verdict:

Pros

Etiqa's plans cover the very basics at an affordable rate. Depending on your driver profile, Etiqa offers one of the most competitively priced vehicle insurance plans.

Regarding the seemingly strange sun/moon roof cover, in case you did not know, if your sun/moon roof is damaged and you want to claim for repairs, it would affect your NCD.

Cons

Their basic and straightforward coverage has no extra services or perks like replacement cars or road-side assistance.

Hence, it is more apt for drivers that are experienced and know what to do in the event of an accident, and for drivers who are not heavily reliant on their vehicles daily.

Etiqa also does not provide flexibility for customisation according to your needs, only a few additional add-ons are available.

Contact Etiqa

• Visit Etiqa online to get your Etiqa Car Insurance quote
• Etiqa Customer Care: +65 6887 8777
• Etiqa Main Office: +65 6336 0477
• WhatsApp Service: +65 8677 8780