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MSIG MotorMax Car Insurance
- Overview
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Details
MSIG MotorMax Private Motor Insurance Review
- 2 comprehensive plans for your vehicle: MotorMax, and MotorMax Plus
The differences between them are
(a) the amount covered in different areas, and
(b) MotorMax Plus has transport allowance, vehicle replacement, and loan protection benefits.
(c) MotorMax only allows repairs done at MSIG authorised workshops while MotorMax Plus gives you your choice of workshop.
- Get medical expenses cover for policyholder, authorised driver and/or passenger (up to legal seating capacity) for both plans.
- MotorMaxPlus offers $100,000 worth of car loan benefits to cover any outstanding car loan if the policyholder meets his/her demise in a car accident.
- Both plans also cover you for emergency repatriation or evacuation in the event of a vehicle accident overseas (Malaysia and Thailand). This might be an attractive feature for drivers who frequently drive from Singapore to Malaysia and/or Thailand.
4.5
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Most Recent
- Updated 3d ago
Purchased
MSIG MotorMax Plus Plan
Just started with msig this year after comparing with a few other insurance companies based on price and claims coverage. Choose the motor max plus plan as it gives choice of workshop and any driver approved by insurance buyer. Price was only slightly higher than the basic plan so decide to go with it. Online application was smooth and got confirmation shortly after completing it online. Ably to pay in installment/ full. Called their hotline to enquire about the plan before applying for the plan and staff were helpful to answer questions.1 comment0
MSIG Singapore3d ago
Hi Jackie, thank you for taking time to leave your feedback. If you require any assistance or have any other feedback, please feel free to email us at [email protected] or submit an online enquiry form through our website: www.msig.com.sg. We'll be happy to hear from you. Thank you. - Updated on 10 Feb 2020I have used MSIG's car insurance for 3 years. Can't comment on the claims process as I have not done any yet. I chose MSIG as it covers explicitly covers driving carpool services, which I do occasionally. The renewal process is quick. Their rates are comparable with the online motor insurance companies, with a trusted brand and big presence, so I will recommend to others to consider them.0 comments0
Recent Activity
Types of MSIG Motor Insurance Plans at a Glance
MSIG offers auto insurance plans under 2 names: MotorMax and UMax. Together, they have a total of 4 plans to choose from:
1. MSIG MotorMax
The most basic coverage. Repairs at MSIG authorised workshops only.
Recommended for:
- Cars no longer under warranty
- Second hand cars
- Parallel import
2. MSIG MotorMax Plus
More extensive than MSIG MotorMax (eg. transport allowance, replacement car, loan protection). Repairs at any workshop.
Recommended for:
- New cars still under warranty
- Drivers who took out a car loan
For both plans, it is important to note that there is an additional Young and/or Inexperienced Driver Excess of $3,000.
This applies for any person (other than Policyholder) who is under 27 years old and/or has held a valid driving licence for 2 years or less.
What Does MSIG Private Motor Insurace Cover?
Scope of Coverage | MotorMax | MotorMax Plus |
|---|---|---|
Comprehensive Coverage of Insured Vehicle against accidental loss or damage | ✓ up to Market Value of Insured Vehicle at time of loss or damage | ✓ up to Market Value of Insured Vehicle at time of loss or damage |
Death or bodily injury to any person | ✓ unlimited | ✓ unlimited |
Damage to property | ✓ S$5,000,000 | ✓ S$5,000,000 |
Personal Accident Benefits for Policyholder | ✓ S$20,000 | ✓ S$100,000 |
Personal Accident Benefits for Authorised Driver and/or passenger | ✓ S$10,000 | ✓ S$50,000 |
Medical Expenses for Policyholder | ✓ up to S$1,000 | ✓ up to S$1,000 |
Medical Expenses for Authorised Driver and/or passenger | ✓ up to S$1,000 each | ✓ up to S$1,000 each |
Choice of workshop for accident repairs | MSIG authorised workshops only | Any workshops |
Transport Allowance | - | ✓ $50 per day (Min 4 days, Max 10 days) |
Vehicle Replacement | - | ✓ |
Loan Protection Benefits | - | ✓ up to $100,000 |
Windscreen Cover | ✓ | ✓ |
24-hour Automobile and Medical Assistance Services | ✓ | ✓ |
Emergency medical evacuation and repatriation of Policyholder for accidents outside of Singapore, but within the stipulated geographical area*, in connection with the insured vehicle | ✓ up to S$50,000 | ✓ up to S$50,000 |
*The aforementioned geographical area refers to West Malaysia and the part of Thailand within 80 kilometres of the border between Thailand and West Malaysia
What Kind Of Add-Ons Are Available With MSIG MotorMax Private Motor Insurance?
1. NCD Protector
- Protects your 50% No-claim Discount
- Maintain your NCD in the event you have to make a claim
MSIG may not have many add-ons available but that's because they already provide the usual add-ons from other providers in their plans like windscreen cover, and vehicle replacement for MotorMax Plus.
Young / Inexperienced Driver Excess
- An additional Young and/or Inexperienced Driver Excess applies for any person (other than Policyholder) who is under 27 years old and/or has held a valid driving licence for 2 years or less
- The Young and/or Inexperienced Driver Excess for MSIG MotorMax is S$3,000
MSIG MotorMax Private Motor Insurance Review Verdict
Pros:
- Windscreen damage covered in both plans
- Emergency repatriation in the event of a motor accident in Malaysia or Thailand
- Easy claim process, allows you to deal with only one motor insurance claims specialist whenever possible to reduce inefficiency
- 24/7 Helpline
- Covers damage caused by natural accidents like flood and falling trees
Cons:
- On the pricier side despite not having a great deal of coverage.
There are other options with similar scope and degree of coverage but offered at lower prices.
Still unsure? View our Ultimate Guide to Car Insurance here, to help you get a more holistic view of each plan compared against another.
Contact MSIG
- Visit MSIG Insurance website to get your MSIG MotorMax car insurance quote.
- 24-hour Roadside Assistance: +65 6337 1208
- 24-hour automated motor claims: +65 6827 7666