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USER RATINGS
Ease of Claim
Customer Service
Plans (3)
NTUC Income Drivo Classic Plan
Authorised
WORKSHOP
30%
NCD PROTECTION
Yes
24H ROADSIDE ASSISTANCE
Details
NTUC Income Drivo Car Insurance Review 2021
- DRIVO splits into 2 tiers of comprehensive plans: Drivo Classic, and Drivo Premium
- Drivo Classic only allows for repairs at authorised workshops
- Whereas Drivo Premium gives you the choice of choosing your preferred workshops.
- They both cover all other aspects the same, from third-party damage (including fire, theft, flood), medical expenses and personal accident, to windscreen cover.
- Roadside assistance from NTUC's Orange Force accident response team.
- Options for overseas assistance, like medical expenses or repatriation, is available for add-on
- There is a policy excess of S$600 for each and every accident claim
- NTUC Drivo provides honest and decent comprehensive coverage for the prices they're charging.
- DRIVO is suitable for most drivers across all profiles, other than those looking for more flexibility to adjust their premiums.
- Not ideal for those looking for coverage on damaged/stolen accessories and personal belongings
4.8
56 Reviews
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- 24 Aug 2020
Purchased
NTUC Income Drivo Classic Plan
Have been using NTUC for my car insurance for three years now, after switching out from AIG (which I had to use as part of the car purchase). Just renewed it for a year again because I think it's still very reliable. Many people have reviewed it and said the same, which I guess brings peace of mind even though it may seem wiser to switch to another provider offering a slightly cheaper annual cover. In the end, peace of mind matters more than a bit of savings especially if something unfortunate happens and you need to submit a claim. I had to submit one claim during the past two years but thankfully NTUC made it very painless and quick. Online platform for checking policy details and so on is easy to use and no issues thus far. Haven't had to deal with customer service on a regular basis (which is a good thing) but on those instances where I had to, it was fuss free. Helps that there's a workshop near my house just in case anything needs to be done.0
What are your thoughts?Reply
- 03 Jun 2020
Purchased
NTUC Income Drivo Classic Plan
We have been renewing our car insurance with ntuc for quite a no of years, my hubby a few times get into accidents sometimes his fault sometimes the other party but so far we make claims have been smooth sailing as with the help of the CS if we not sure will call and check with them. That why for these few years we stick to ntuc instead of spending time trying to find the cheapest deal as amount not much different so why bother to change.0
What are your thoughts?Reply
- Hands down the best car insurance with their value for money plans and five star customer service. Bought my first car insurance with them 6 years back and have never looked back. [Customer Service] On the spot quotation and purchase of plans online. There is a hotline if you need your questions answered too. You will get your soft copy on purchase (good for those times you need to make an urgent purchase/ or road tax renewal). Hard copy would be sent to your doorsteps in a few days. Walk in counters are available islandwide too, which is good for those IT illiterate (the parents). The CSO on duty are always helpful in getting the best plan that suits you. Never pushy. [Insurance Coverage] Really competitive prices. Might be a few dollars more than the cheapest price out there but definitely worth every cents you are paying with all the extra benefits that comes with it. [Roadside Assistance] This is the number one reason why I'm sticking with them. I had a motorcycle accident (self skid; rainy weather) a few years back. I gave them a call and The Orange Force came within a few minutes. He assisted in pushing my bike to a safer location and then started marshalling the traffic to make sure everyone is safe. Before he left, he called a reputable tow company, gave me a bottle of water and a taxi voucher so that I could go home safely. I'm not sure if any other insurance company can compete with this kind of 5 star roadside assistance. [Claims Experience] Had a few other claims. Brought my car to their workshop. Easy and fuss free process guaranteed.
0
What are your thoughts?Reply
- [Customer Service] Income has the best team of financial advisers that can assist in the application and queries. No questions asked. [Insurance Coverage] Comprehensive coverage. Good workshops that are near to my place too. [Others] Income is a coperative so their pricing is one of the best in the street. Dont have to look at those flashy insurers for something as vanilla as a car insurance
0
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NTUC Income Drivo Car Insurance at a Glance
NTUC Income has 2 tiers of Drivo Plans:
Drivo Classic
- Typical comprehensive coverage
- NTUC Income Authorised workshops only
- Recommended for: Older cars (no more warranty), second hand cars, parallel imports
Drivo Premium
- Same coverage as Drivo Classic
- With added flexibility of any workshop of your preference
- Recommended for: new cars under warranty and you don’t see your preferred workshop on the authorised list
What does NTUC Drivo Car Insurance Cover?
Coverage | Drivo Premium | Drivo Classic |
|---|---|---|
Vehicle repairs at your preferred workshop | ✔ | - |
Vehicle repairs at a quality workshop chosen by Income | ✔ | |
Loss or damage to your vehicle from accidental causes | ✔ | ✔ |
Loss or damage by fire or theft | ✔ | ✔ |
Damage to third party property | ✔ | ✔ |
Death or injury to third party (unlimited) | ✔ | ✔ |
Medical expenses (up to $1,000) | ✔ | ✔ |
Personal accident benefits (up to $50,000) | ✔ | ✔ |
Towing service (up to $500) | ✔ | ✔ |
Unlimited windscreen cover with excess | ✔ | ✔ |
Policy Excess | ✔ | ✔ |
Unnamed driver excess
| ✔ | ✔ |
What Kind Of Add-Ons Are Available With NTUC Income Car Insurance?
Want even more coverage? NTUC Income has some add-ons to consider:
1. No Claim Discount Protector
- Your 30% and above NCD is protected for any accident involving any of your authorised drivers, for all types of claims
- If you buy NTUC car insurance at 50% NCD for at least 2 consecutive years, your NCD Protector will be free when you renew from the third year onwards
2. Daily Transport Allowance
- S$50 is claimable from the first day of repair, up to a maximum of seven days
- Most insurance companies require a minimum duration of repairs to be at least 3 days, and have a maximum cap of 10 days
3. Overseas Coverage Extension Rider
If you often drive across the causeway with your family, consider opting for the extension rider for driving overseas.
- Applicable for any other named drivers and passengers
- Covers personal accident, emergency medical evacuation, medical expenses and repatriation
- Provides 24-hour phone assistance and/or on-site support in the unfortunate event of a vehicle breakdown or accident
- This rider covers West Malaysia and up to 80 km after the border of Thailand only excluding Republic of Singapore
NTUC Drivo Car Insurance Verdict:
NTUC Drivo provides honest and decent comprehensive coverage for the prices they're charging. DRIVO is suitable for most drivers across all profiles, other than those looking for more flexibility to adjust their premiums. Additionally, the NTUC Orange Force response team is known to have a great track record of providing help in a short amount of time.
However, it is not ideal for those looking for coverage on damaged/stolen accessories and personal belongings and it Does not offer new for old replacement car.
Contact NTUC Income
Visit NTUC Income online to get your NTUC Drivo Car Insurance quote or contact them at:
- Local Car Insurance Claims/ General Enquiries: +65 6788 6616
Contact us at [email protected] should you require any assistance or spot any inaccuracies.
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