Hong Leong Car Protect360 Car Insurance Reviews and Comparison - Seedly
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Hong Leong Car Protect360 Car Insurance

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Car Insurance/Hong Leong Car Protect360 Car Insurance
Car Insurance/Hong Leong Car Protect360 Car Insurance

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Hong Leong Car Protect360

Any
WORKSHOP
50%
NCD PROTECTION
Yes
24H ROADSIDE ASSISTANCE

    Hong Leong Car Protect360

    Any
    WORKSHOP
    50%
    NCD PROTECTION
    Yes
    24H ROADSIDE ASSISTANCE

Details

Hong Leong Assurance Car Protect360 Car Insurance Review 2020

Here are some highlights of Hong Leong Assurance Car Insurance, Car Protect360:

  • HL Assurance offers 1 straight-forward comprehensive coverage for all cars.
  • Generous coverage for medical expenses of up to S$20,000 Personal Accident Cover and additional Medical Expenses in the event of an accident.
  • Daily Transport allowance available when your vehicle repair takes 3 days or more.
  • 24/7 Roadside Assistance
  • For those with a preference for certain workshops, HL Assurance offers flexibility to use these preferred workshops.
Read More about Hong Leong Car Protect360 Car Insurance
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HL Assurance Car Protect 360 at a Glance

Here’s a summary of benefits available and covered by HL Car Protect360:

  • Loss or Damage by fire or theft: Up to market value of vehicle at time of loss or damage.
  • Damage to 3rd party property: Up to $5,000,000
  • Death or injury to 3rd party: Unlimited
  • Medical expenses: Up to $1,000 per person
  • Personal accident cover for injuries in the vehicle: Up to $20,000
  • Vehicle accident repairs: Yes
  • Choice of Workshop: Any is fine but excess is halved if you repair at HL Assurance authorised workshops
  • Windscreen cover: Unlimited
  • Original Vehicle accessories: Up to $1000
  • Daily transport allowance: $50 a day, up to a total of $1000
  • 24-hours Automobile And Medical Assistance Service: Available

What does HL Assurance Car Protect360 Cover?

HL Assurance offers 1 straight-forward comprehensive coverage for all cars. This is what their comprehensive plan Car Protect360 covers:

Benefits / What is covered

Maximum amount covered

Loss or Damage by fire or theft

✓ Up to market value at time of loss or damage

Loss or Damage by other insured causes including Act Of God, fallen object, riot, strike, flood, etc

✓ Up to market value at time of loss or damage

Loss or damage to original car accessories

✓ up to $1,000

Car accident repairs

✓ up to S$300
Excess is halved if repairs are carried out at a HL Assurance Approved Workshop

Windscreen cover


Unlimited if repaired at HL Assurance Authorised Windscreen Repairers

Damage to Third Party Property

✓ up to S$5,000,000

Death or injury to Third Party

✓ Unlimited

Medical Expenses Coverage for the Policyholder, Authorised Driver and Passengers up to car legal seating capacity

✓ up to S$1,000 each

Personal Accident benefits for the Policyholder, Authorised Driver and Passengers

  • Policyholder: Up to S$20,000
  • Authorised Driver: Up to S$10,000
  • Passengers: Up to S$10,000

Daily transport allowance (up to ten days if repairs exceed three days)


S$50 a day, up to a total of S$1,000

Towing

✓ up to S$500

Authority to repair (for minor repairs)

✓ up to S$300

24 hours Automobile and Medical Assistance Services

Do visit HL Assurance page for the full list of coverage, exclusions, and conditions pertaining to their car insurance plan.

What are the add-ons available with HL Assurance Car Protect 360?

  1. NCD Protector

What is the No Claim Discount (NCD) Protector? How does it work?

  • The NCD protector is an optional benefit and applies only to customers with 50% NCD at an additional premium.
  • It serves to protect your NCD in the event of a first claim during your policy period.
  • If a second claim is made, the normal NCD rules apply and your NCD will be reduced to 20% on your next policy renewal.
  • The protected NCD is not transferable to another insurer.
  • You will need to renew your policy with us in order to enjoy this benefit.

When is the Young and/or inexperienced Driver Excess applicable?

This is excess is applicable when the Insured Vehicle is driven by or under the control of any person (other than the Policyholder) who, at the time of loss or damage to the Insured Vehicle, is below 27 years of age and/or has held a valid driving license for less than 2 years.

For HL Assurance Car Protect360, the young/inexperienced driver excess is S$3,000

HL Assurance Car Protect360 Car Insurance Verdict: Is It Worth It?

Pros

  • Very competitively priced if you meet their ideal band of driver profile
  • Easy and straightforward plan to understand
  • The competitive prices do not mean stripping coverage; many benefits that are usually add-ons for other providers, are part of the plan.

Cons:

  • Strict Young/Inexperienced Driver excess policy
  • It does not offer the choice for Third-Party Only, or Third-Party Fire & Theft plans.

Contact Hong Leong Car Protect 360

Visit HL Assurance online to get your Hong Leong car insurance quote or contact them at:

  • Email: [email protected]
  • Contact number: +65 6702 0202
  • 24/7 Emergency Hotline: +65 6922 6009

About Hong Leong Car Protect 360

HL Assurance is a part of the Hong Leong Group, a Malaysian conglomerate involved with multiple businesses. From banking and financial services to hospitality and leisure. HL Assurance is a licensed general direct insurer and also a member if General Insurance Association in Singapore.