Does my travel insurance or other life policies covers Covid-19 outbreak?

For those of us planning holiday vacations or travel to China cities, or other nearby Asia countries such as Korea, Japan, Thailand, Philippines, Taiwan etc, we may be thinking, does travel insurance covers Wuhan coronavirus?

Does travel insurance cover Wuhan flu coronavirus?

Yes, travel insurance covers if you have bought earlier. No, if you bought your travel coverage after 27 Jan.

Currently, all travel insurance would NOT cover cancellation, emergency medical treatment due to coronavirus because MFA has announced a directive for Singaporeans to cancel all non-essential travel to China cities on 27 Jan 2020.

If your travel insurance to Chinese cities BEFORE 27 Jan 2020; or your travel insurance to the epicenter city of Wuhan BEFORE 23 Jan 2020, your travel insurance company will still honor your policies. These dates are important as they mark the dates where the official warnings are sounded from either the Ministry of Foreign Affairs, Singapore or from China’s government itself.

For specific details from each specific travel insurer, please scroll to the bottom for their press release.

Why is my travel insurance not covering the coronavirus Wuhan flu?

Travel insurance is meant to protect against the unexpected and would have covered you if your trip was planned before official warnings about the virus was made. Once announcements are made on the severity of the situation, the coronavirus is no longer an unexpected situation and travel insurer will add the event in their terms and conditions.

This is the same for natural disasters, protests, or other types of disruptive events. When the unexpected event is made known and announced officially, travel insurers will cease coverage for these events.

What about my term life policies? Does medical, health, hospital and surgical, medishield cover Wuhan flu outbreak of the coronavirus?

Yes, all policies by life insurance companies cover the Wuhan coronavirus unless explicitly written. Group policies would cover corona virus too if an outbreak occurs.

This is because all life and health policies are designed for the long term and insured personals purchase plans for all emergencies and events in their lives.

Medical policies such as private shield plans that cover hospital and surgical definitely cover your hospitalisation and medical needs should definitely cover a person if he is sickened with the Wuhan flu corona virus.

However, if an outbreak occurs in the long term and situation changes, insurers may adjust their policies to reflect the situation in the long run.

Travel insurance covers cancelled or delayed flights

Travel insurance covers cancelled or delayed flights

What are the travel insurers’ coverage on the Wuhan coronavirus?

These are some of the bigger travel insurer’s information on their travel insurance policies and coverage, we have copied it out here for your convenience.

AXA 

In view of MFA’s advisory to defer non-essential travel to mainland China, please note that claims arising from these activities and related disruptions are deemed as a “known” event” and will therefore not be covered, if: 

  1. You have purchased a travel insurance to Wuhan on or after 11 January 2020 
  2. You have purchased a travel insurance to mainland China, excluding Wuhan, on or after 27 January 2020 

For further details, please refer to policy wordings of your specific travel product. 

Source: AXA

FWD Insurance

Please note claims arising in connection with this event will not be covered if you bought your travel policy on/after 23 January 2020, or if you travel in, to or through China on/after 23 January 2020. Claims unrelated to this event remain covered, subject to policy T&Cs. 

Source: FWD

NTUC Income

“For travellers going to Wuhan, please note that the Wuhan virus is currently considered a known event and there will be no coverage for any claims arising from the Wuhan virus for your travels to Wuhan. Travellers who have purchased their Travel Insurance to Wuhan before 8pm on 20 Jan 2020, can file a claim for Cancelling/Shortening/Postponing your trip or Trip Disruption according to our travel policy terms and conditions.” 

Source: NTUC Income

MSIG 

Novel Coronavirus outbreak: Dear valued customers, please be aware that our travel insurance does not cover any claims arising from the Novel Coronavirus outbreak for trips to or passing through these destinations if the policy or trip is purchased on these dates or later: 22 Jan 2020 for Wuhan, 23 Jan 2020 for Hubei Province, 27 Jan 2020 for Mainland China (excluding Hong Kong, Macau & Taiwan). As the situation develops, cover to other areas are subject to change. Please refer to the Singapore Ministry of Foreign Affairs for the latest update. 

Source: MSIG

From these announcements, it’s clear that any travel insurance purchased after specific dates will not cover you for claims made as a result of or reasons related to the Coronavirus outbreak. If you are unsure, we suggest that you check with your travel insurance provider for more details.

Importance of buying Annual Travel insurance package or buy your single trip insurance early.

No one could have predicted the timing of any virus outbreak or any natural disaster. There were SARS, MERS and now 2019-nCoV. In fact, there are other flu outbreak in Brazil and other seasonal flu outbreak in America.

No one could have predicted volcanoes, earthquakes, flash floods or forest fires too.

Similarly, man-made events such as political protests, labour strikes, airport or train station failures are hard to predict and plan in advance.

The only way we can plan in advance is to either

  1. purchase annual travel insurance policies if you fly often
  2. immediately purchase single trip insurance after you confirm your air tickets (or train, or ship tickets)

Buying travel insurance early helps to reimburse you for emergency trip disruption, postponement or cancellation when the event happens. If the event happened, and you rush to buy travel insurance, it is too late as the travel insurers would have deemed it as “expected” and stopped coverage for those big disruptive events.

Buying travel insurance early has no additional costs

Most interesting, buying that single trip policy immediately after booking your flight has no price difference compared to buying it just before flying off.

No price difference but you get extra coverage from the day you bought your travel plans to the day you returned safely to home.

I want to compare the best travel insurance deals.

Be it buying annual travel plans, or buying single trip early or in the last minute, we want to compare and get the best deal.
Find the best travel insurance from someone with more than a few insurer, so he can compare and give you the best travel insurance here.

Let us enjoy our travel in peace and joy!

Lastly, if you are straight up cancelling your travel plans due to quarantine, check out these ideas on how to spend your approved vacation leave. It would be much recommended to avoid traveling to prevent coronavirus.

Why do I need Home Insurance if I have HDB or condo MC fire insurance?

Many of us, after being a property owner, will think that home insurance is an unnecessary expense. In the many documents that you have signed and paid for when taken over a property, there is some compulsory property insurance that you have to acquire. Hence, why are my friends advising me to get fire insurance?

Isn’t my HDB or my condominium’s fire insurance scheme already bought and paid?

Most property owner would have bought compulsory fire insurance either from

  1. HDB fire insurance scheme (compulsory for all HDB owners)
  2. condominium fire insurance scheme (most are compulsory by the condo’s management corporation (or MC)

Many owners have missed out that the compulsory fire insurance that you have bought for your home, either from your condo’s MC or your HDB’s fire insurance scheme are for the BUILDING. This means the fire insurance protects the original structure, common area, wiring etc.

These compulsory fire insurance does NOT cover the contents of your home such as

  • your furniture
  • your electric appliances
  • your renovation and furnishing
  • your home content and valuables

In a nutshell, if the item is not there when you got your key to your home for the first time, your HDB fire insurance scheme or condo’s mc compulsory fire insurance would NOT cover it.

In a fire, what your condo’s MC fire insurance or HDB fire insurance scheme does is to pay out for the restoration of the main structural, pipes, wiring, etc. You would still have to fork out your own money to restore your furnishing, renovation, your floor tiles, your walk-in wardrobe and of course all your clothes, your TV, your fridge, etc that were damaged in the fire.

What is home content insurance and what does it cover?

Home content insurance, or more commonly known as “Home insurance” (or even called simply as “fire insurance for home) are policies that cover the contents in your home. And not just the structure, wiring, piping, etc that HDB or your condo MC is so eager to protect.

This means your renovation, your furnishing, fixtures, furniture, appliances, clothes, personal possessions, etc. Even members of the households and pets are covered in case of bodily harm.

These are the common protection offered by home protection plans.

  1. Renovations: Floor tiles, feature walls, cabinets etc
  2. Home contents: Your TV, refrigerator, washing machine, clothes, personal belongings etc.
  3. Personal liability: Your legal responsibility if your fire spreads and damage neighbours’ properties and lives.
  4. Alternative accommodation: Allows you to stay at hotels etc while you wait for your home to be renovated or refurbished.
  5. Personal Accident coverage for members of households: For all members of households, including domestic helpers.
  6. Pets: May cover vet or hospital bills and etc as an add on
  7. Loss of money, valuables from theft or break-in: Almost all home insurance provides coverage too if your home has a break-in, burglary etc.

What is insured peril or all risk for home content insurance?

Most home policies are all-risks which means they cover you in a wider range of situations (maybe situations that are “unthinkable”). Insured peril for home policies means they only cover those situations that are outright mentioned in the plan.

Insured perils home policies are usually slightly cheaper.

Why is home content insurance so important or necessary in Singapore?

One sentence:- because your renovation, furniture, appliances, clothes etc are very expensive in Singapore.

If a fire starts in your home or from your neighbour’s home, you are going to have a bad financial situation in your home, as if cleaning up a badly burnt home is not enough work. A home content insurance can help to pay out to clean, renovate, and refurbish your home, without breaking your pocket.

Without a home content insurance, be prepared to lose 5 figures or even 6 figures sums worth of renovation and furnishing. (And more if you are like me, who store almost all my valuables at home).

What about owner-occupier, landlord or tenant for home content insurance?

If you own and live in the property you are in, then you are considered the “owner-occupier”. Most home content insurance policies are geared towards this type of owner as owner-occupier has the most to lose in a fire. It is the renovation of their own property that they lose, and the valuables that they lose too.

If you are a landlord owning the property and renting it out, do seek out insurance brokers like HM consultancy to get specific home content insurance for landlords. Although most of the home contents would not be yours, the renovation, the furnishing and if the landlord provides furniture and appliances, these would be really important to protect and guard against a financial disaster.

If you are a tenant, you may be relieved that you would not be financially affected by the loss of the 6 figures renovation and furnishing, but no doubt your own clothes, possessions, valuables would be damaged or lost in a fire. Speak to fire insurance broker like HM that can advise on tenant-specific home content insurance.

How to choose a home content insurance policy in Singapore?

If you are like me, you will love value for money plans and not just the cheapest (because the cheapest covers the bare minimum only). Besides choosing value for money, you should take a quick accounting summary of the values of your home content and see if you should take a good comprehensive plan.

Here are some bills you may consider to redo your home if its damaged by fire

  1. Your renovation costs: if you prefer simple, you do not need a high renovation makeover. If you like your home to be cosy, make sure you plan for it. Do note that the size of your home affects your renovation bills.
  2. Value of your home content. Many electronics, laptop, tablets etc? Lots of branded bags, and branded watches at home?
  3. Value of your furniture and appliances:- Do you have expensive furniture like some classic chairs or dining table? OLED TV with the latest surround sound audio?

Every homeowner is different, so plan accordingly. Do your work and select the comprehensive plan that suits your home, your budget and then relax!

HM Consultancy is the Home Insurance and Motor Car Policies Specialist in Singapore

One of the ideal plans suggested by HM consultancy is their EQ Homeguard, underwritten by EQ Insurance. EQ HomeGuard has 5 great key benefits.

  1. Alternative Accommodation- covers additional expenses for your accommodation or loss of rent if your home becomes uninhabitable
  2. Home Quarantine order- pays up to $1400 if you are required to be home quarantined (For those unfamiliar with SARS, bird flu, there is a new flu from Wuhan now)
  3. Personal / Family Third Party Liability. It covers for accidental bodily injury or property damage to any 3rd party within your home as well as WORLDWIDE (except USA and Canada). Extra bonus!
  4. Worldwide personal accident- it helps to pay for accidental death for the policyowner, spouse and children, for mishap at home and worldwide.
  5. Pedigree Pet Cover- for a lot of us, our pets are our precious. This provides a sum for accidental death or theft of your pedigree pets.

This plan has different types and is great whether you own a HDB, condo or landed. Just choose the type that suits you best! HM Consultancy is a big insurance agency in Singapore and has partnered with big companies like Timely Enterprise for all corporate, motor, etc insurance coverage.

The best news? I have negotiated with HM Consultancy to offer an extra 15% discount on their first year premium!

Just quote my name BudgetBabe when you contact them for extra 15% off! Get quote from them at their home insurance in Singapore!

Compulsory Insurance that MCST and MC needs (Contractor All Risks, Fire Insurance, Public Liability)

There are numerous general insurance that is legally required by MCST (Management Corporation Strata Title) or MC (Management Committee) to have their landlords and tenants to have for their properties, in order to protect other property owners and themselves. Some examples are basic fire insurance for the building and structure or public liability insurance that some MCST makes it compulsory for landlords.

Beside mandatory general insurance, some insurance that is good to have are contractors all risks insurance, glass liability, etc, etc. You may find more details in this article

What is MCST?

MCST stands for Management Corporation Strata Title and refers to the management body of a building (usually a condominium or building shared with many office owners or shop owners). The management body handles the routine maintenance and caretaking of the building. Periodically, the MCST will handle annual reports, AGM (annual general meeting) and handling of pollings for renovation, refurbishing, change of designs, and enbloc affairs.

The MCST is usually a single corporate set up to manage the building or it can be a large corporation MCST managing many different buildings to pool resources and for economies of scales.

What is MC?

In many cases, the MC is a short form of referring to the MCST.

In some cases, residents refer to MC as the management council, a representative body that is elected from residents or owners of properties in the building.

Almost all affairs of daily maintenance of the building will be handled and referred to the MCST.

What are some insurance that MCST should ask property owners to protect the building and their properties

Here are some insurance that is critical for protecting the properties and MCST

  1. Fire insurance (All risks) for the structure of the building
  2. Public liability (especially for commercial building)
  3. Contractors All Risks (CAR) insurance for landlords who are renovating.

Fire insurance All Risks Insurance for MCST and building owners

A devasting fire can cause the structure of the building to be severely affected and it is going to cost a big sum of engineer fees to assess and certify the building is safe and able to operate as normal.

PMD charging fire no insurance coverage

PMD charging fire no insurance coverage

If the civil engineer finds that the building’s structural integrity is badly damaged in the fire, the building can be deemed a risk, and steps must be taken to rectify the damage. The worst scenario (not unthinkable) is that the building is a total loss and the MCST and landlords must take action to demolish the building at its costs.

This is why fire insurance all risks coverage for the building and structure is so important as the cost of such an event is high and devasting.

All HDB owners are required by law to buy fire insurance of the structure (covering only the building and not the belongings and furnishing in their own homes) precisely because they are worried of devasting events that render a building unliveable.

MCST can also request landlords to have better fire insurance coverage to cover common areas and their own private area liabilities to have peace of mind.

Public Liability policy for commercial building MCST

For many commercial buildings, the public is allowed to enter and use the facilities in the building. A public liability policy helps the MCST to answer any disastrous event that may happen to a member of the public.

A simple case would be someone falling down due to the slippery floor from a rainstorm. The person may sue the building for not managing the wet floor properly due to bad rain cover design or lack of a warning sign.

Ang Mo Kio shophouse fire disrupted business

Ang Mo Kio shophouse fire disrupted business

Other examples can be of visitor cars damaged by trees falling or items dropping from higher heights damaging the visitor’s cars.

A simple public liability policy can help answer any legal or liability case arising from public’s disputes with the MCST

Contractors All Risks to cover landlords and MCST

All buildings will have new landlords or new tenants moving in and out over the years. And any new landlords or tenants may want to do a heavy renovation or simple retrofitting of the premises.

An inexperienced renovation contractor or even an experienced one can have accidents that damage common corridors, common shared facilities or damage building pipes, wires, etc.

Renovation Contractors All Risk Package

Renovation Contractors All Risk Package

In some cases, renovation work may damage nearby neighbour’s properties and incur high hotel bills if the resident needs to live somewhere else temporarily. Some unfortunate cases have occurred where neighbours got injured and racked up high medical and hospital bills to be paid by the renovating units.

Most residential MCST now insists the renovation contractors sign indemnity forms to compensate them in the event of accidents or mishaps. However, we know that many contractors in Singapore are small businesses and would not survive a big financial setback.

The MCST would have no way to seek compensation if the business goes bankrupt. Hence the recent trend is for MCST to request for the contractor and the renovating units to purchase Contractors all risks insurance to cover the period of renovation.

You can refer here to our MCST insurance solution.

f your MCST or you need any more information, feel free to email HM consultancy at sales @ hminsg. com or whatsapp us at 82003255

 

 

 

4 Myths for car drivers that waste your money, petrol and car engine

There are lots of wasteful practices that we motorists practice that waste our money, and worse of all, make our cars even worse off than before.

For example, using “higher quality” octane oil, changing the engine oil regularly or warming up your engine that actually damages your car parts… Let us explore 4 big myths for drivers

  1. Do you need to warm up your engine before you drive?
  2. Do you need to change the engine oil regularly?
  3. Do you need regular engine tune-ups?
  4. Do you need high octane petrol? VV power anyone?

1) Do you need to warm up your engine before you drive?

Many drivers all over the world believe in this myth that you need to warm up your engine before you drive, especially on cold days (due to rainy or snowy weather). Start your car engine, wait for a few minutes to let your engine to reach its optimal temperature before driving. This is what mechanics thought too and advise us that we will maintain our car engines for the long term.

This is a myth.

Car engines do NOT need to warm up.

Once you start the ignition, you are ready to start driving. It is far BETTER to just drive off than leaving your engine idling to warm up.

Your car engine has different parts and oil that takes different time to warm up to full capacity, so if you leave it to idle, it will experience MORE wear and tear.

If you are still not convinced, despite the evidence shown by carmakers and mechanics, think about this logically:- when your engine starts, it is producing power when you are driving off or when it is idling, so what is the difference? You may as well channel the power into the wheels and move off instead of wasting the power to… nowhere.

Additionally, when you are driving off, you are channeling power and helping to warm up your transmission, wheel bearings, catalytic converter, etc that does not get warmed up if you merely idle your engine.

Your catalytic converter needs to get to operating temperature and only does that when you are driving off instead of idling, so you are omitting fewer greenhouse gases and less toxic fumes, all the better for your children.

The clever motorist stand:- Do not idle, drive off immediately, just don’t floor the accelerator.

4) Engine Oil change- change it regularly every 5000 km

You probably heard this from the car workshop, you should change the oil and filter every 5000 km or earlier, to better maintain your car and improve its longevity.

This is a myth and comes from the older days where oil technology was relatively new, and car engines are still in its beginning. Currently, there are even car mechanics who support using mineral engine oils that only last 3000 kms, for “better engine”.

Synthetic engine oil lasts a lot longer now

Most synthetic engine oil is engineered to last at least 12,000 km and tested to last more than 32,000km. That’s a lot more than the usual 5000km or 8000km our car workshop guys tell us.

You can even check the back labels of synthetic motor oils, a lot of brands outright advocate changing only after more than 12,000km or 20,000km. Even major carmakers or big mechanic workshops call for changing oil only after 12,000 km or 16,000 km

The clever motorist: Use synthetic engine oil, check the labels and go for the longer advocated period before changing it. Its safe.

3) Regular engine tuneups

This is less so for new car owners now, but many older car owners (and their mechanics) still insist on regular engine tune up every 6 months or so.

Motor Insurance 50 NCD

They warned you if you do not visit them regularly, you will face car breakdowns often!

Do you know what they will do in those engine tuneups?

Change your air filter and spark plugs. That is all for an expensive “engine tuneups”.

Engine tuneups are outdated. Normal servicing is fine

All new cars now have computer chips that regularly check the electric and mechanical components of your cars without the need for mechanics and their prying tools to check if the engine or transmission is fine. Your motor car is actually tweaking your engine for best performance, something that we do take for granted (and most of us won’t even know this)

The clever motorist: Skip the expensive overhaul or regular engine tuneups. Normal servicing is fine.

4) Is High Octane petrol for a better engine and a better ride?

The petrol companies have lots of marketing power on this: get their superior premium high octane petrol! VV-power or Platinium Grade for better engine and a great car ride! You can go faster on higher octane premium petrol. Or you can get more kilometres per litre of petrol, and hence save money in the long run!

Most cars do not need nor use effectively high octane petrol

High octane petrol or high premium graded petrol is designed for high-performance supercars, their engines squeeze the petrol in a tight piston setting that may set the petrol prematurely off in the engine, something known as “knocking”. This actually is not a bad thing, their engines are designed to last through these premature explosions, but higher octane petrol helps these engines to reduce these knockings or premature explosions.

What about the normal cars we drive? Be it continental car, American cars, Japanese or Korean car, the vast majority of our cars uses a normal engine that does low compression, and have no issue with premature explosions. This means using higher graded petrol does not change anything for your engine or you.

Your car would not go faster, or get more mileage from higher octane petrol. It is just a measure of how it can prevent knockings in your engine for those supercars.

Unless you drive a supercar (and definitely need special car insurance), you are fine with normal octane petrol. Just check with your car manual or google your car model for the minimum octane petrol you can use.

In America the usual octane most drivers use are 87 or 89 octane, far lower than the usual 95 octane or 92 octane we uses in Singapore or Malaysia.

The clever motorist’s take:- use the lowest octane your car allows. Don’t waste money on VV power grade petrol.

Travel Insurance Covering Pre Existing Medical Conditions

Do you know that most travel insurance plans do not cover pre-existing medical conditions?

This was shared virally in Singapore recently of some Singaporeans who were on holiday overseas and had to wait for 36 hours just for an indemnity form before they can start to queue up for an emergency aircraft medical evacuation. Their insurer refuses to evacuate him until they confirm that it is not pre-existing conditions. They made the family wait and sign indemnity forms before agreeing to evacuate him back to Singapore. Paperwork > life.

https://stomp.straitstimes.com/singapore-seen/great-eastern-responds-after-stroke-patient-waits-2-nights-before-being-flown-back-to

Your annual or single travel insurance may not cover pre-existing medical conditions

This is not new. Most travel insurers do not cover pre-existing medical and health conditions for single and annual travel insurance plans.

For example, if you have pre-existing heart problems, and while you are overseas enjoying your holiday and suffer a heart attack, your travel insurance may not cover your medical expenses and medical evacuation and repatriation

Not every travel insurance is the same. Most travel insurance coverage DO NOT cover pre-existing medical conditions for all travel claims. Do check with your insurance adviser or insurance brokers (brokers have more than 1 insurers to offer to their clients) for travel plans that provide coverage even for pre-existing conditions.

Which insurers cover pre-existing medical conditions for travel plans?

Check with your advisors or brokers. Here are some insurers that we have asked and found that provides extensive coverage for pre-existing medical conditions for travel insurance.

  1. Sompo Insurance
  2. Liberty Travel Insurance
  3. MSIG travel insurance covers preexisting for only medical expenses for hospitalisation in overseas – limits on emergency evacuation due to pre-existing conditions.
  4. NTUC – limits on emergency evacuation due to pre-existing conditions.
Expatriate Health Insurance

In case of emergency health problems, insurance helps.

In the event of unfortunate events such that medical attention and evacuation is needed, you do not want it to be delayed just because the insurer needs to check whether the event (stroke/heart attack/coma, etc…) is a pre-existing condition not covered by the travel insurance.

We have many different ranges of insurance to help clients choose for the best coverage that they desire. We have a great travel insurance guide FAQ for every Singaporean to go to if they need to check on claims and answer their worries.

For your travel insurance, you can check out Travel Insurance Annual or Single Plans.

Travel Insurance Claims FAQ Guide

UPDATE: HM Consultancy will gladly help anyone to make your travel insurance claims FOR FREE, even if you are not our clients. We have been in this industry for more than a decade and we believe in giving back to our society without any expectations. Do let us help you with any claims issues.

We are still updating this page frequently when we have frequently asked questions to our whatsapps and emails 🙂

Contact us for general insurance inquires in Singapore

Does travel insurance cover failed or bankrupt travel agencies, airlines or hotels?

For premium travel insurance, the sum assured would be many times more than the basic. It will also include many add-on premium insurance, such as coverage of your house valuables from burglary, theft and even pet emergency at your home while you are traveling overseas.
Do check the insurer terms and conditions for more details.
In most rejection, it is usually the lack of documentation that proves the incident.
Once the claim is processed and accepted, it may take 7 more working days for them to file a cheque for you to bank in. Some insurers will also directly bank in the money in your banking account (if your travel insurance claims form has a portion for you to fill in your name and banking account details)
Yes only after there are medical claims for travel insurance. Most travel insurance companies highlighted that pre-existing conditions are not covered while the person is traveling with travel insurance. They will NOT check nor ask for documents when you purchase the policy.
Once a claim is filed, however, they may ask for medical records and to see what they can help to provide in claims.
There are more and more travel insurance that covers pre-existing conditions. In those cases, they will check medical records in the event of claims. This is to ensure that they have proper records and data for their claim records.
However, for humanitarian reasons, insurance companies do try to payout when they can, reasonably. For example, the man-made disasters of 9-11 world trade center collapse was declared by President Bush of America as a declaration of war. Both war events and terrorism events are not covered by insurance companies.
For this situation, as the number of affected are not as large scale as feared, almost all the insurance providers payout successful to all the families of the victims.
In any travel disruption caused by natural disasters and/or war or terrorism, insurers may have the terms and conditions not to pay, but it is in their interest to help the policyholders like you.
Travel insurance covers cancelled or delayed flights

Travel insurance covers cancelled or delayed flights

Is there a difference in claims quality for the same claims between different companies and pricing?

Paying more for a premium brand means you get better quality and better peace of mind.
A few years ago, a political strike in the airport at Phuket means Singapore tourists are stuck there and unable to fly home normally on their airlines.
Tourists who bought Company A Travel insurance are contacted by Company A representative, bused to Bangkok and flew home at the insurer’s expense.
Tourists who bought Company N travel insurance are bused home from Phuket all the way south to Singapore, a much longer and tiring journey.
In both cases, the travel insurers did the right thing to bring them home. Just that travel insurer A paid more money to let its customers enjoy more.
Most premium credit cards would have basic cover, especially those offering miles for spending. Most credit cards would have at least coverage for all the debt and spending incurred on the card for the user if the user met with an accident during travel.

What documents should I try to keep for travel insurance claims?

  • If you have medical treatment, do keep receipts and doctors’ notes (if any). It would be preferable to pay with a credit card so you have an SGD exchange rate noted in the credit card transaction too.
  • If you encountered crimes, do make police reports at the country where it happened so you can have the documents for claims.
  • In the event of any flight delays, do ask the airline for official notes and documentation for your claims.
  • Any problems from car rental vehicles, do have an official note and/or invoice if you have to pay for any damage caused.

 

Insurance Claims Guide Contact Number Email Website- Let us Make a Claim for you FREE

UPDATE: HM Consultancy will gladly help YOU to make your claims for FREE,  even if you are not our clients. Just contact us directly via email or WhatsApp.

We have been in this general insurance industry for more than a decade and we believe in giving back to our society without any expectations. Do let us help you with any claims issues (For General Insurance). We believe good deeds and kindness makes the world a better place. Contact us for general insurance inquires in Singapore

Scroll all the way down if you need any Singapore’s insurance claim department’s office numbers or email address or website.

We are updating the list to help Singaporeans with financial coverage. This should be the page for all general insurance, business insurance, fire insurance, home insurance, maid insurance, car motor insurance claims all-in-one page you should share with everyone!

If you just heard of us, the founder of HM Consultancy has been in the motor industry for more than a decade and has a great team to push for better backend work for motor insurance processing, lower premiums for motorists and businesses. 

We specialize in business insurance and motor insurance, do let us know if you need any help!

 

Insurance company contact and websites for Claims in Singapore

Scroll all the way down for a list of insurance company contact number for claims. The website is also listed for you to visit directly to get claims forms, documents needed, and more information on how to file for claims.

The same claims may have slightly different document requirements from different insurance companies.

General Insurance claims FAQ questions and guide

General insurance such as home, maid, personal accident, motor car, business, group health, and other personal insurance- inevitably you will face a claim. We provide some simple FAQ questions and answers in this article to see if you can get a quick answer for simple insurance claim questions.

What are the common general insurance claims in Singapore?

  1. Motor car insurance
  2. travel insurance
  3. Home fire insurance
  4. Maid injury or sickness claims
  5. Business staff accidental plans and WIC (work injury compensation insurance)
  6. Business public liability insurance
  7. Business fire insurance
  8. Group medical and dental claims
  9. Food & Beverage cafe liability insurance claims

Travel insurance claims guides

Click for Singapore’s travel insurance guides here.

Will I be able to claim if the other party refuses to cooperate? Especially for motor car insurance when the other driver refuses to report.

You should still report to your insurance and provide as many details as possible. This can be common in motor insurance claims as the other party refuse to report to their insurance and delays occur. However, if they do not report and defend themselves, the insurers will still take action with the details provided by the only party (you) and it will be one-sided. 

The claims amount will still be successful, just that it may take longer than usual.

(you may refer to the Car Insurance Guide FAQ)

Will my insurance go up if I file a claim?

No for some policies that are sold as a package. Premium will not go up for Home insurance, Maid Insurance, Personal Accident, and most simple business package insurance. In extreme examples, they may refuse to renew your policy if they are uncomfortable with too many claims.

Yes for general insurance tied to your car, business or activities. The insurance premiums for car insurance, business etc will generally go up. However, it will not go up as much as the amount of the claim. It will only go up as a means of reminding the business or policyholders to be more cautious

Do insurance rates go up after a comprehensive claim?

Yes, insurance rates do go up after a comprehensive claim. The good news is you can shop around for other insurers for better and cheaper quotes.

 
If you met with 2 accidents in a single year, your current insurance company in Singapore will reject to renew your policy. You have no choice but to seek another cover and pay a much higher premium.

An assessor in the insurance company will check on all your claims and ensure it fulfills their terms and conditions in your policy. Once he verifies the proof and document, he will check the maximum amount payable to you.

 
It does not mean your premium will only increase by half of the usual rate of insurance in a formula book for 50/50 accident claims, it merely means it is a factor in their consideration.
 
For some insurance cases where you do not intend to claim and you are paying out of your own pockets, it may not be necessary to call and inform your insurance company. Do keep a record of your expenses and incident though. For better advice, do check with insurance advisers for your personal situation.

Car Insurance Claims Contact and Website

(you may refer to the Car Insurance Guide FAQ)

AIG6338 6200AIG Claims Page
AXA1800 880 4741AXA Claims Page
China Taiping6389 6116China Taiping Claims Page
EQ Insurance6333 2222EQ Claims Page
India International Insurance6347 6100III Claims Page
Liberty Insurance1800 5423 789Liberty Claims Page
Lonpac Insurance6250 7388Lonpac Claims Page
NTUC Income6788 6616NTUC Income Claims Page
Great Eastern OAC6248 2660Great Eastern OAC Claims Page
Allied World (Ex RSA)6337 0911Allied World Claims Page
MSIG6337 1208MSIG Claims Page
Sompo (ex Tenet)6226 3323 Sompo Claims Page
Tokio Marine1800 2258647Tokio Marine Claims Page

Contact for all insurance companies in Singapore

Life Insurance Claims contact

Aviva https://www.aviva.com.sg/en/make-a-claim/
Tel: 68277988
Email at GI_claims@aviva-asia.com

AIA https://www.aia.com.sg/en/help-support/making-a-claim.html
Tel: 1800 248 8000
Email at AIA Contact Email Singapore


Aetna Insurance (Singapore) Pte Ltd. https://int.aetnainternational.com/individuals/getQuote.do
Tel: (toll-free from Singapore): 800-110-1951
Toll-free from other countries using AT&T access codes: +1-855-532-5085
Telephone (toll): +852-3071-5022
Fax: +65-6395-6747
E-mail: AsiaPacServices@aetna.com


AIG Asia Pacific Insurance Pte. Ltd https://www.aig.sg/personal-claims
Tel: (Personal Insurance) – 6419 3000
Tel: (Business Insurance) – 6419 1800
Email at AIG Asia Pacific Insurance Pte. Ltd Contact Email 


Allianz Global Corporate & Specialty SE, Singapore Branch https://www.agcs.allianz.com/claims.html
Tel:  +65-6297-2529
Email at Allianz Global Corporate & Specialty SE, Singapore Branch Contact Email 


Allied World Assurance Company, Ltd (Singapore Branch)
https://alliedworldinsurance.com/singapore-claims/
Tel:  +65 6423 0888
Email at sg.customerservice@awac.com

Auto & General Insurance (Singapore) Pte. Ltd (Budget Direct Insurance in Singapore)
https://www.autogeneral.com.sg/
Tel:  (within Singapore) 6221 2199
Tel:  (if calling from overseas) +65 6540 2199
Email at claims@budgetdirect.com.sg or help@budgetdirect.com.sg

AXA Insurance Pte Ltd
https://www.axa.com.sg/customer-care/file-a-claim
Tel: (Within Singapore) 1800 880 4888
Tel: (International) +65 6880 4888 
Email at AXA Insurance Pte Ltd Contact Email 

Berkshire Hathaway Specialty Insurance Company
https://bhspecialty.com/claims/claims-singapore/
Tel: (For emergency Assistance) +65.3157.9720
Tel: (For claims) +65.6904.4622
Tel: (24-hour contact number) +65.6675.1168
Email at claimsnoticesingapore@bhspecialty.com

China Taiping Insurance (Singapore) Pte. Ltd
https://www.sg.cntaiping.com/claims.html
Tel: (main) +65 6389 6111
Tel: +65 6222 1033
Email at feedback@sg.cntaiping.com

Chubb Insurance Singapore Limited
https://www.chubbtravelinsurance.com.sg/en/claim
Tel: (For general Enquiries and Claims) (65) 6398 8776
Tel: (For 24-hour Emergency Assistance) (65) 6836 2922
Email at Chubb Insurance Singapore Limited Contact Email 

Cigna Europe Insurance Co S.A. – N.V., Singapore Branch
https://www.cigna.com.sg/
Tel: (toll-free in Singapore): 800 186 5047
Tel:(toll-free in the United States): 800 835 7677
Tel:(toll-free in Hong Kong): 2297 5210
Tel: (worldwide 24/7 hotline): +44 (0) 1475 788182
Fax: +44 (0) 1475 492113
Email at CignaGlobal_Customer.Care@Cigna.com or Singapore.Feedback@Cigna.com

Direct Asia Insurance (Singapore) Pte Ltd
https://www.directasia.com/claims/
Tel: 6665 5555
Tel: (Claims Hotline – Singapore) 6532 1818
Tel: (Overseas/Emergency) +65 6603 3699
Email at customerservice@directasia.com or claim@directasia.com

ECICS Limited
https://www.ecics.com.sg/claims/
Tel:  6337 4779
Email at claims@ecics.com.sg

EQ Insurance Company Limited
https://www.eqinsurance.com.sg/Claim
Tel: +65 6223 9433
Fax: +65 6224 3903
Email at distribution@eqinsurance.com.sg

ERGO Insurance Pte. Ltd
https://ergo.com.sg/general-insurance-claim/
Tel: +65 6829 9199
Fax: +65 6829 9247/9248
Email at ergoinsurance@ergo.com.sg

Etiqa Insurance Pte. Ltd
https://www.etiqa.com.sg/claims/
Tel: +65 6887 8777
Email at customer.service@etiqa.com.sg

FWD Singapore Pte. Ltd
https://www.fwd.com.sg/insurance-claims/
https://www.fwd.com.sg/corporate-claims/
Tel: +65 6820 8888
Tel: (For Accident or Travel/Home Emergency Assistance Only) +65 6322 2072
Email at contact.sg@fwd.com


Great American Insurance Company, Singapore Branch
https://gia.org.sg/consumers.html
Tel: +65 6221 8788
Email at feedback@gia.org.sg


Great Eastern General Insurance Limited
https://www.greateasternlife.com/sg/en/personal-insurance/get-help/make-a-claim.html
Tel: (For Customer Service) 1800 248 2888
Email at: (Medical Claims Enquiries) MedicalClaims-SG@greateasternlife.com
Email at: (LifePAClaims) SG@greateasternlife.com

HL Assurance Pte. Ltd
http://www.hlas.com.sg/Claims/HomeContentsInsuranceClaims.aspx
http://www.hlas.com.sg/Claims/CarInsuranceClaims.aspx
http://www.hlas.com.sg/Claims/FireInsuranceClaims.aspx
http://www.hlas.com.sg/Claims/TravelInsuranceClaims.aspx
Tel: +65 6702 0202
Email at: service@hlas.com.sg


India International Insurance Pte Ltd
https://www.iii.com.sg/claims/
Tel: +65 63476100
Tel: +65 62244174
Email at: insure.iii.com.sg

Liberty Insurance Pte Ltd
https://www.libertyinsurance.com.sg/claims/for-you-and-your-family/
Tel: (Within Singapore): 1800-LIBERTY (5423 789)
Tel: (Outside Singapore): (+65) 6338 0990
Email at Liberty Insurance Pte Ltd Contact Email Page


Lloyd’s of London (Asia) Pte Ltd
https://www.lloyds.com/
Tel: 816 741 3910
Email at info@wsia.org


Lonpac Insurance Bhd
https://www.lonpac.com/claims
Tel: (General Line) 03-2262 8688 / 2723 7888
Tel: (Customer Service) 03-2262 8666
Email at customerservice@lonpac.com


MS First Capital Insurance Ltd
https://www.msfirstcapital.com.sg/claim.html
Tel: (Singapore) 048580
Tel: (65) 6222 2311
Fax: (65) 6222 3547
Email at (For Motor Claims) motor_claims@msfirstcapital.com.sg
Email at (Non-Motor Claims) nonmotor_claims@msfirstcapital.com.sg

MSIG Insurance (Singapore) Pte. Ltd
https://www.msig.com.sg/claims
Tel: (Customer Service Hotline) +65 6827 7602
Fax: +65 6827 2708
Email at MSIG Insurance (Singapore) Pte. Ltd Support Email Page

NTUC Income Insurance Co-operative Limited
https://www.income.com.sg/claims/life-insurance
Tel: 6789 9595
Email at NTUC Income Insurance Co-operative Limited Contact Page

QBE Insurance (Singapore) Pte Ltd
https://www.qbe.com/sg/claims
Tel: +65 6224 6633
Email at info.sing@qbe.com


Raffles Health Insurance Pte. Ltd
https://www.rafflesmedicalgroup.com/
Tel: (65) 6311 1111
Fax: (65) 6311 2136
Email at enquiries@raffleshospital.com


Sompo Insurance Singapore Pte. Ltd
https://www.sompo.com.sg/claims/claims-list
Tel:  6564616555
Email at Sompo Insurance Singapore Pte. Ltd Email Page

Starr International Insurance (Singapore) Pte. Ltd.
https://www.starrcompanies.com/
Tel: 1-855-782-7725
Email at ClaimsClaims@starrcompanies.com


Swiss Re International SE, Singapore Branch
https://www.swissre.com/
Tel: +65 6428 1800
Email at Swiss Re International SE, Singapore Branch Email Page

Tokio Marine Insurance Singapore Ltd
https://www.tokiomarine.com/sg/en/personal/claims-center.html
Tel: (Customer Care Hotline): +65 6592 6100
Fax
: +65 6223 9120
Email at (For your existing policies) customercare@tokiomarine-life.sg
Email at (For enquiry of new policies) lifesolutions@tokiomarine-life.sg

United Overseas Insurance Ltd
https://www.uoi.com.sg/uoi/
Tel: 6222 7733
Tel: (Motor Accident Assistance hotline:) 6453 8110 
Fax: 6327 3869/ 6327 3872 (28th floor)
Fax: 6327 3870 (29th floor)
Email at contactus@uoi.com.sg


XL Insurance Company SE Singapore Branch
https://axaxl.com/insurance/claims
Email at clamsinquiry.APAC@axaxl.com


Zurich Insurance Company Ltd (Singapore Branch)
https://www.zurich.com.sg/en/customer-support/claims
Tel: +65 6236 2210 or +65 6327 9820
Email at GIenquiry.sg@zurich.com.sg

Do note that for General Insurance, if you have queries on claims, just contact us and we will assist what we can. We have decades of GI claims experience so we will be able to help you.

This service is free, as we believe in taking good care of people.

Singapore Emergency Phone Contact Number (Police Ambulance SCDF Fire)

UPDATE June 2020 of Emergency singapore phone contact number

If you have urgent covid19 questions, you can call the Ministry of Health Singapore MOH hotline at 1800 333-9999. You may also call 1777 for a non-emergency ambulance to be taken to hospital if you have strong suspicions that you have covid19.

If you are having mental stress due to covid19, retrenchment, or problems, please do feel free to call the national care hotline at 1800 202 6868 or take a look at this national emotional support.

For people with Stay Home Notice (SHN) and you have queries about your SHN, please do call 6812 5555.

Emergency Contact to reach Singapore Government Embassy when you are Overseas

Singapore Hotline (24 hours) Tel: (+65) 6379 8000 – You can call from any phone. For specific help, from the oversea country you are in, refer to https://www.mfa.gov.sg/Services/Singapore-Citizens/I-Need-Help-Overseas

If you are a Singapore working or travelling aboard, you may want to register with MFA (Ministry of Foreign Affairs) with their overseas Singaporean travel voluntary registration (confidential and only for safekeeping)

Overseas Singaporeans can check this portal for overseas Singaporeans by the Economic Development Board of Singapore.

Emergency Contact Numbers in Singapore – Important for all staying in Singapore.

If you are an American and used to 911, do note that 911 is routed to 999 emergency number in Singapore. Or you can just dial 999 for police or 995 for fire department. =)

Here are the most important emergency contact numbers in Singapore if you need them. The police, the emergency ambulance, the firemen, these few numbers below are very important (999, 995 etc)

Expatriate Health Insurance

In case of emergency

Emergency Ambulance & Fire SCDF995
Non-Emergency Ambulance:1777
Police Emergency:999
Police Emergency SMS (This Police SMS is meant for when it is unsafe or not possible for you to call 999)71999
Police Hotline:

Traffic Police Information Hotline:

For Non-Emergency communications with the Police or law enforcement, you may send the information via i-Witness, Police@SG App or email SPF_Police_Information@spf.gov.sg

1800 255 0000

6547 0000

Fire Hazard Reporting:1800 280 0000
SCDF General Enquiries:1800 286 5555
AVA Hotline:1800 226 2250
SP PowerGrid: (for blackouts or power failure)
1800 778 8888
NEA Hotline:

Dengue Reporting Hotline

1800 225 5632

1800 933 6483

Floods or Drain Obstructions:1800 284 6600
Building & Construction Authority:6325 7191 /
6325 7393
HDB Essential Maintenance Service Unit (ESMU):1800 275 5555 /
1800 325 8888 / 1800 354 3333
Drugs & Poison: (non-emergency, by Singapore General Hospital)6423 9119
Weather:6542 7788
City Gas :
(for any issues regarding gas leakages, or disruptions)
1800 752 1800

Singapore Emergency Phone Number Search

Singapore Police Force

Emergency Hotline: 999

Emergency SMS: 71999

Ambulances in Singapore

Emergency Ambulance (Singapore civil defence force)

Tel: 995

Non-Emergency Ambulance

Tel: 1777

An accident can be a painful emergency

An accident can be a painful emergency

Private Ambulances

Here are some private medical institutions in Singapore, look for one that is near you and contact them for an ambulance service. Be sure that your insurance policies cover you for private medical services as the costs can be many times higher than public hospitalisation.

Econ Healthcare

Hotline: 6382 8888

Blesswell Ambulance & Medical Services

Hotline: 6273 0147

AIC – AME Ambulance Services

Hotline: 6247 7080

ER Ambulances & Services

Hotline: 6222 2995

Green Crescent Mobile Healthcare

Hotline: 6788 8911

Heng Gref International Assists

Hotline: 6272 6018

Civic Ambulance Services

Hotline: 6333 3000

Private Ambulance Network of Parkway East, Gleneagles, Mount Elizabeth Hospitals

Hotline: 6473 2222

Public Government Hospitals with A&E (Accident & Emergency Services)

The government public hospitals with A&E services to serve the public.

SGH – Singapore General Hospital

Emergency Tel: 6321 4311
General Tel: 6222 3322
Outram Road, Singapore 169608
Block 1, Level 3
SGH Contact Page

KTPH – Khoo Teck Puat Hospital

Main Tel: 6555 8000
90, Yishun Central, Singapore 768828
KTPH Contact Page

TTSH – Tan Tock Seng Hospital

Emergency Tel: 63578754
General Tel: 62566011
11 Jalan Tan Tock Seng, Singapore 308433
TTSH Contact Page

KK Women’s and Children’s Hospital

Children A&E Tel: 6394 1177
General Tel: 6225 5554
100 Bukit Timah Road, Singapore 229899
KKH Contact Page

CGH Changi General Hospital

Main Tel: 6788 8833
2 Simei Street 3, Singapore 529889
CGH Contact Page

NTFGH – Ng Teng Fong General Hospital

Main Tel: 67162000
1 Jurong East St 21, Singapore 609606
NTFGH Contact Page

AH – Alexandra Hospital

General Tel: 6472 2000
378 Alexandra Road, Singapore 159964
AH Contact Page

NUH – National University Hospital

Emergency Tel: 6772 5000
Main Tel: 6779 5555
5, Lower Kent Ridge Road, Singapore 119074
NUH Contact Page

Private Hospitals with A&E (Accident & Emergency Services)

These are private hospitals in Singapore that has A&E services for those people who prefer private medical services. Do note that your insurance policies should cover you for private medical services as the costs can be many times higher than public hospitalisation. If not, be sure that you can afford private medical services.

Mount Elizabeth Hospital

A&E Tel: 6731 2218
General Tel: 6737 2666
Ambulance Tel: 6473 2222
3 Mount Elizabeth, Singapore 228510
ME Hospital Contact Page

Mount Elizabeth Novena Hospital

A&E Tel: 6933 0100
General Tel: 6933 0000
Ambulance Tel: 6473 2222
38, Irrawaddy Road, Singapore 329563
ME Hospital Contact Page

Parkway East Hospital

A&E Tel: 6340 8666
General Tel: 6344 7588
Ambulance Tel: 6473 2222
321 Joo Chiat Place, Singapore 427990
PE Hospital Contact Page

Gleneagles Hospital

A&E Tel: 6470 5700
General Tel: 6473 7222
Ambulance: 6473 2222
6A Napier Road, Singapore 258500
GE Hospital Contact Page

Thomson Medical Centre

24 Hours Clinic Tel: 6350 8812
Phone: 6250 2222
339 Thomson Road, Singapore 307677
TMC Contact Page

Raffles Hospital

A&E Tel: 6311 1555
Phone: 6311 1111
585 North Bridge Road, Singapore 188770
RH Contact Page

Mount Alvernia Hospital

24 Hrs Tel: 6347 6688
General Tel: 6347 688
820 Thomson Road, Singapore 574623
MAH Contact Page

Fire Safety Tips for Personal Mobility Devices PMD, Power Assisted Bicycle PAB, Personal Mobility Aid PMA at HDB Condo Landed

Electric fires at HDB homes, condos, landed home properties etc; caused by the charging of batteries are not new, and they are increasing in numbers in Singapore. In 2019, there was already more electric fires in the first seven months than the whole of 2018. Moving forward, there may be even more electric fire caused by batteries charging in 2020.

The government has responded by bringing forward six months the compulsory usage of only UL2272 fire-safety certified devices. The government has brought forward the safety deadline by six months:- all PMDs must comply with UL2272 certification from July 2020.

Fire risk caused by charging batteries

  1. Charging of PMDs (Personal Mobility Devices), such as e-scooters, hoverboards
  2. Charging of PABs (Power Assisted Bicycles), such as e-bicycles.
  3. Charging of PMA (Personal Mobility Aid), such as electric wheelchair, mobility scooter for the disabled or elderlys
  4. Charging of mobile phones (be it iPhone, Samsung, Huawei or other androids phones), tablets, iPads.
  5. Other appliances with big capacity batteries.

Electric fires can be caused when the batteries are faulty and become, bloated, exploded or overheated.

Fire Safety Tips for PMDs and PABs

Fire Safety Tips for PMD PMA PAB

Fire Safety Tips for PMD PMA PAB

  1. Do NOT charge a personal mobility device (PMD) or a power-assisted bicycle (PAB) or personal mobility aid (PMA) and leave it unattended overnight or for an extended period of time. This is not only risky as the batteries may burst into fire without anyone knowing to stop the fire, it is considered negligible and non-claimable by home contents insurance.
  2. Do NOT charge your devices near combustible materials or along an escape path (near the door etc)
  3. Do not charge the PMD/PAB/PMA immediately after use. Let the motor cool down first.
  4. Do not tamper, modify or attempt to repair PMD/PAB/PMA on your own. Refer to specialist or manufacturer.
  5. Do use a power adaptor that carries the Safety Mark and recommended by the manufacturer.
  6. Do purchase your devices with UL2272 certification. That is proof that the battery is certificated to be designed according to fire safety measures. Refer to LTA’s website (bit.ly/ul2272sg) for more information on UL2272 certification and an indicative list of UL2272 certified devices available in Singapore.
  7. Do regularly examine your batteries for any damage or deformities such as bloating, corrosion or powdery residue.
  8. Do charge your PAB/PMD/PMA on a hard, flat surface to allow optimal dissipation of heat. This is so that the area does not get too hot and start burning the surrounding.

What is UL2272 certification for PMD?

UL2272 certification means the device automatically cuts off battery charging once the battery is fully charged, thus avoiding overcharging which can cause the battery to overheat and leads to an electric fire.

Mandatory inspection from April 2020

All e-scooters owners will need to send their e-scooters for inspections to ensure that their e-scooters are compliant with safety. Currently, the government is discussing whether to have a one-off inspection or periodic inspections.

Charging of your hand phone, tablets, mobile devices.

  1. Do use manufacturer’s provided chargers or high-quality chargers that do not overcharge or continue to charge even when the battery is full.
  2. Do not charge your battery overhead next to you when sleeping. In one incident a year ago, the phone battery exploded, killing the sleeping owner next to it.
  3. Keep your charging area free of combustible materials.

Does your home content insurance cover electric fire caused by e-scooter?

If you are charging your PMD / PAB / PMA while leaving the battery unattended, home contents insurance does NOT cover you.

Such causes of electric fire at condos, landed homes, or HDB is not covered by home content insurance as it is an act of negligible for charging the battery and going to sleep or leaving your home.

Does home content insurance covers your home if your neighbour caused a fire due to e-scooter or PMD battery charging?

Yes, even if your neighbour has been negligible and charged his PMD or e-scooter unattended. This is because the insurance company understands that this is not your fault and will cover for damage caused by unintentionally by your neighbour or acts of nature.

Do note that the home insurers reserve the right to claim for damages against the neighbour for causing the fire.

HDB Fire Insurance not cover Home Contents

HDB Fire Insurance not cover Home Contents

Does HDB Fire Scheme covers your home contents caused by electric fire or any fire?

No. HDB Fire Insurance scheme does not cover your personal belongings. HDB fire insurance scheme covers the structure of the HDB and does not cover any assets, contents owned by the home owners.

You need to get a decent home content insurance package to cover your

  1. personal belongings
  2. furniture
  3. furnishings
  4. electric appliances
  5. valuable

Do not over pay for your home content insurance, get a value for money home content insurance in Singapore

E-scooter and Personal Mobility Scooter insurance (and if you are hit by them)

Do I need insurance coverage for my e-scooter?

E-scooter and Personal Mobility Scooter insurance

No, it is not compulsory to buy insurance cover for your e-scooter. However, you should get some personal accidental plans for yourself as e-scooter accidents can cause painful and expensive hospitalisation expenses.

Check with your insurance adviser too if you like to get an third party liability insurance coverage for e-scooter that covers passer-bys if they are hit by your e-scooter too.

Personal accidents do cover accidents caused by collusions with PMDs, as well as most variety of accidents in your day to day life.

Do I need to register my e-scooter?

Yes, it is compulsory to register your e-scooter. Riders of e-scooters and other PMDs are under the Active Mobility Act (AMA) which started from 01 May 2018.

You need to register your e-scooter to avoid them being confiscated by LTA and the rider being charged for not registering the e-scooter.

Is your e-scooter and PMD approved by LTA?

E-scooter and Personal Mobility Scooter insurance

All e-scooters should be under the PMD dimensions requirements and approved by LTA.

Your e-scooter should be

  1. below the maximum width of 70 cm
  2. below the maximum weight of 20 kg and
  3. under the maximum speed of 25 km/h

Check with the retailers to ensure that your model is LTA approved. You should also verify the information with LTA website information, and especially if you are buying a secondhanded e-scooter from carousell or similar app.

Buying a non-LTA approved e-scooter carries up to $5,000 fine and jailed up to 3 months. Your e-scooter may also be confiscated.

If you bought your e-scooter that was LTA approved on purchase and is no longer approved due to increasing stringent LTA rules, you will also face the same penalties for continuing using the old e-scooters and PMDs.

How do I register my e-scooter or PMD?

If you are above 16 yo and using an e-scooter, visit LTA website to register your e-scooter or PMDs. (if the rider is below 16yo, they must ask a relative or guardian to register the e-scooter on his behalf)

Just follow the steps to register your e scooter in Singapore.

If you are buying a new e scooter at a shop, ask the shop for help in registering your e-scooter with LTA. If not, you can register online DIY at LTA website too.

You can check this youtube video by LTA for more information

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When do I have to register my e-scooter by? What is the deadline date to register e-scooter and PMDs?

All riders must register their e-scooters and PMDs by 30 June 2019, and it costs $20 to register.

Each e-scooter will get a unique registration number that must be displayed on the e-scooter.

What happens if I do not register my e-scooter?

If you are on an unregistered e-scooter from 01 July 2019 onwards on public paths, you can be fined up to $2,000 and/or jailed up to 3 months. You will also face heavier penalties of $5,000 and/or jailed up to 6 months if you are a repeat offender.

Does your e-scooter comply with UL 2272 Fire Safety Standard in Singapore?

From January 2021 onwards, all PMDs must comply with the fire safety standards UL 2272. Currently, this deadline is being considered brought forward due to the high number of fire started at home while e-scooters batteries are being charged.

PMD charging fire no insurance coverage

PMD charging fire no insurance coverage

Does my home insurance covers fire started by e-scooters battery?

Most fire started by e-scooters batteries recently are not covered by home insurance. Let us explain why.

  1. HDB Fire insurance Scheme does not cover home contents, they only cover the structure of the HDB.
  2. Home Contents Insurance bought privately does cover home contents. For e-scooters, they do not cover battery fires that are caused by charging of batteries while being unsupervised. Hence, if the e-scooter battery fire occurs while the users charge it and went to sleep, or went out of the home, this even it NOT covered.
  3. E-scooter batteries that do not meet fire safety standards and are considered illegal by LTA are definitely NOT covered by home content insurances. This is to align with legal and lawful actions.

Can you get Home contents insurance that covers e-scooter battery charging?

Yes. Get a proper home content insurance, and make sure your e-scooter is legal with LTA. Charge your battery during day time when there is someone at home. This will ensure your actions are safe and the insurers will definitely cover you for unpredictable accidents that arose from the e-scooter, or other accidents beyond your control (such as kitchen fire, burst pipes, etc)

Does your Personal Accident plan cover you if you are knocked down by an e-scooter or PMD?

Yes. Your personal accident plan covers you if you are knocked down by a e-scooter. Go for the necessary medical treatment and file for claims. This is akin you walking and being met with an accident beyond your controls (such as being hit by a high rise litter, or knocked down by a car).

Accident happens at home

Accident happens at home

Does your Personal Accident Plan cover you if you are riding an e-scooter or PMD and you met with an accident?

Depends on whether you are riding escooter for work or leisure, and whether you are at fault.

No, if you are using your e-scooter for work (such as food delivery for GrabFood, FoodPanda, Deliveroo etc or courier) and you bought a Personal Accident plans for, personal uses. This is why companies or bosses need to buy general business personal accidents for all their staff during their working hours.

Yes if you are riding your e-scooter for leisure, and you get hurt in an accident, you would probably be covered by your personal accident plans.

Unless you are at clear faults, such as being drunk from alcohol or speeding at a walkway, etc. This is the same as car motorist not covered by his car insurance because he was at fault, such as beating the red light, speeding across highways, etc.

Does motorist car insurance cover accidents with e-scooter?

Yes, car motorist insurance does cover accidents with another vehicle, pedestrian, e-scooters or other PMD-users. The usual responsibilities apply, such as the motorists are definitely not covered if they are doing illegal activities with their car:- such as drinking and driving, speeding above speed limit, etc.

E-scooters accidents with car motorists are getting frequent, you will be glad to know that auto motor insurance covers liability to them too.

Check out our full 2019 Car insurance FAQ.

Why should I get personal accident plans to protect myself from e-scooter accidents?

Personal accidents plans does not just cover you for e-scooter accidents. They cover you if you fell down while walking. PA covers you if you are hit by high-rise litter. PA covers you for anything under the definition of personal accidents which is quite wide.

E-scooter is just another way where passer-bys are getting into hospitals and general clinics more and more, even when they are not at fault. Get yourself an extra protection with no increase in premiums even when e-scooter accidents are getting more numerous recently.

BTW do you know Personal accidents plans are cheaper from General Insurers (such as EQ Insurance, AIG, Tenet, India Insurance International, MSIG) compared to life insurers like AIA, Prudential, Great Eastern, NTUC Income, Manulife, AXA Life, Aviva Life etc?

Share this lifehack with your friends:- PA is cheaper from General Insurers!

Get them only from advisers who have a range of insurers to recommend.