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

UPDATE: HM Consultancy will gladly help anyone to make your 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 (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.

Insurance company contact and websites for Claims in Singapore

Here is 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

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.

Travel insurance claims guides

Travel insurance guides:- To be Updated

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.

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)

AIG 6338 6200 AIG Claims Page
AXA 1800 880 4741 AXA Claims Page
China Taiping 6389 6116 China Taiping Claims Page
EQ Insurance 6333 2222 EQ Claims Page
India International Insurance 6347 6100 III Claims Page
Liberty Insurance 1800 5423 789 Liberty Claims Page
Lonpac Insurance 6250 7388 Lonpac Claims Page
NTUC Income 6788 6616 NTUC Income Claims Page
Great Eastern OAC 6248 2660 Great Eastern OAC Claims Page
Allied World (Ex RSA) 6337 0911 Allied World Claims Page
MSIG 6337 1208 MSIG Claims Page
Sompo (ex Tenet) 6226 3323  Sompo Claims Page
Tokio Marine 1800 2258647 Tokio Marine Claims Page

 

Contact for all insurance companies in Singapore

Life Insurance Claims contact

Aviva https://www.aviva.com.sg/en/make-a-claim/

Aviva Tel 68277988 Or email at GI_claims@aviva-asia.com

AIA  https://www.aia.com.sg/en/help-support/making-a-claim.html

Tel 1800 248 8000 Or email at AIA Contact Email Singapore

Aetna Insurance Company Limited (Singapore Branch)

AIG Asia Pacific Insurance Pte. Ltd

Allianz Global Corporate & Specialty SE, Singapore Branch

Allied World Assurance Company, Ltd (Singapore Branch)

Auto & General Insurance (Singapore) Pte. Ltd

AXA Insurance Pte Ltd

Berkshire Hathaway Specialty Insurance Company

China Taiping Insurance (Singapore) Pte. Ltd

Chubb Insurance Singapore Limited

Cigna Europe Insurance Co S.A. – N.V., Singapore Branch

Direct Asia Insurance (Singapore) Pte Ltd

ECICS Limited

EQ Insurance Company Limited

ERGO Insurance Pte. Ltd

Etiqa Insurance Pte. Ltd

FWD Singapore Pte. Ltd

Great American Insurance Company, Singapore Branch

Great Eastern General Insurance Limited

HL Assurance Pte. Ltd

India International Insurance Pte Ltd

Liberty Insurance Pte Ltd

Lloyd’s of London (Asia) Pte Ltd

Lonpac Insurance Bhd

MS First Capital Insurance Ltd

MSIG Insurance (Singapore) Pte. Ltd

NTUC Income Insurance Co-operative Limited

QBE Insurance (Singapore) Pte Ltd

Raffles Health Insurance Pte. Ltd

Sompo Insurance Singapore Pte. Ltd

Starr International Insurance (Singapore) Pte. Ltd.

Swiss Re International SE, Singapore Branch

Tokio Marine Insurance Singapore Ltd

United Overseas Insurance Ltd

XL Insurance Company SE Singapore Branch

Zurich Insurance Company Ltd (Singapore Branch)

Singapore Emergency Phone Contact Number (Police Ambulance SCDF Fire)

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

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 SCDF 995
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

Electric fires 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.

HDB Fire Insurance does NOT cover Home Contents

Many HDB residents have compulsory fire HDB fire insurance but they are not aware that HDB Fire insurance does NOT cover home contents.

This article is on 22nd July 2019 and demonstrated how so many HDB flat residents lost their fortunes, met with high hospital death (and in some cases funeral costs) without insurance compensations.

HDB Fire Insurance not cover Home Contents

HDB Fire Insurance not cover Home Contents

What is covered under home contents insurance? What are these that are not covered by HDB Fire insurance?

What are these that are not covered by HDB Fire insurance?

Home contents insurance covers these:-

  • their precious personal belongings
  • furniture
  • electric appliances
  • renovated furnishings

These are home contents that are NOT covered by the HDB fire insurance scheme but can be easily covered by any affordable plans offered by the numerous fire insurance companies in Singapore.

HDB Fire insurance does not cover home contents, does not cover PMD (Personal Mobility devices) such as e-scooter, e-bicycles that are charged at home and cause fire.

What does HDB Fire insurance coverage covers?

 

What does HDB Fire insurance coverage covers?

The HDB fire insurance scheme was introduced to protect HDB INTERNAL structures, fixtures as well as area built and provided by HDB.

What does fire insurance plan cover for HDB?

They protect HDB’s assets, not the HDB residents. This is so that HDB does not need to ask for the HDB flat dwellers for compensations on repairs works after any fire accident. HDB can simply claim from the fire insurance company, which collects the necessary premiums from the HDB owners yearly.

Till 15 August 2019, the 5-year premiums (including 7% GST) are as follows:

Flat Type 5-Year Premium (Including 7% GST) Sum Insured
1-room $1.50 $19,300
2-room/ 2-room Flexi $2.50 $26,300
3-room $4.50 $41,800
4-room $5.50 $69,100
5-room $6.60 $75,600
Executive/ Multi-Generation flats $7.50 $98,200
Studio Apartment (Type A) $3.50 $29,000
Studio Apartment (Type B) $4.00 $37,200

This is also why HDB fire insurance is so cheap, it only covers the structures of the HDB flats and not on the flat residents’ furniture, furnishing, and belongings.

Is HDB fire insurance compulsory?

Yes, it is compulsory for all HDB flat owners with HDB mortgage loans to buy basic HDB fire insurance. If you have a bank loan for HDB, the bank will almost certainly require you to buy fire insurance from their appointed insurers partners too.

HDB and banks do not want their assets to be without cover.

Do I have fire insurance?

Probably no. You may have the compulsory HDB structures fire scheme, but most likely you do not have fire insurance for your home contents.

In the Straits Times report on 22 July 2019, more than 50% of all HDB residents do NOT have Home Content Fire insurance.

You should probably speak to an agent with more than a few comparison insurers for the best value for money plan.

As a condo owner, does condominium MCST has fire insurance?

No. Even if your condominium MCST has fire coverage, it would be for the structural and common assets, NOT for your own personal belongings.

How much does fire insurance cost?

Very little. A basic home contents plan will cost you less than $50 a year or $4 a month. Yes, barely $50! Even more premium and wider coverage plans cost you barely $10-$30 a month. Singaporeans generally treasure their belongings at home and tend to choose the popular wider coverage home contents insurance.

Even for condominium and landed property owners such as bungalow, semi-detached, etc, fire insurance coverage for your home amounts to only a few cents or dollars per day. Some costs less than $200 per year.

HDB Fire Insurance does not cover home contents

HDB Fire Insurance does not cover home contents

How do I claim for fire insurance?

For HDB fire insurance scheme, HDB can claim directly with the appointed fire insurer, and an officer will probably need you to help in providing the situational report on the fire.

For home content fire insurance, you can refer to the insurers’ website for the correct forms or refer to your fire insurance brokers. Update your insurers fast because they need to check the scene as soon as possbile before you start cleaning and clearing away the debris.

You can also contact us directly for help.

Does home insurance cover fire caused by PMD charging?

If a fire is caused by a PMD (personal mobility device) charging while you are at home and not sleeping, home content insurance usually covers these fire or accidents.

However, if your PMD such as E-scooters battery is charging unsupervised while you are asleep or not at home, any fire or accidents that occurred would not be covered by your home contents insurance.

Do NOT charge your PMD batteries unsupervised.

Which home fire insurance is best in Singapore?

Which home fire insurance is best in Singapore?

The home insurance that you have paid and is active in covering your family home.

There are 101 different fire and home insurance in Singapore, and thanks to MAS, all General Insurers are regulated with proper financial assets to back their protections.

The best insurance plan is useless if you are not under it. Get something fast and get it over with quickly because there are too many people who are procrastinating and regretting it when “it won’t happen to me” happens.

How do I get fire insurance?

Get it from a trusted fire insurance broker. HM Consultancy works with many insurance companies to get affordable and value for money plans for their clients. If you do have special cases, such as more sentimental or valuable belongings in your home for assessment, you can contact us for customised plans.

HM Consultancy has worked with condominiums, landed properties such as good-class bungalows, semi-detached, terrace as well as HDB flats for home and fire coverage. Not only that, we have done specialised cases for people with unusual art works, drones, electronics at home too.

Do check HM Consultancy for the best home fire insurance coverage.

Fire is costly and disruptive to business & home owners

Most of us, be it homeowners or businesses think the most a fire can do to our belongings and properties are just destroying it and end-of-story.

UPDATE: 23 July 2019 – another fire caused by charging batteries of PMD

SINGAPORE – A personal mobility device (PMD) left to charge in an Ang Mo Kio flat early on Monday (July 22) exploded in the afternoon, causing a fire that destroyed the flat and damaged two neighbouring units.

PMD charging fire no insurance coverage

PMD charging fire no insurance coverage

Home contents Fire Insurance does not cover unsupervised charging of PMD batteries

Please note that many insurers, even when you buy home contents insurance does not cover your home due to e-scooter charging overnight with no supervision.

In this case, the adults left the e-scooter to charge and they left the home without anyone, the fire insurance would NOT cover this case due to unsupervised charging of PMD (personal mobility device)


It is a lot more damaging than that (you won’t understand the weeks or months disruption until you encountered one)

And if a fire happens to a neighbour, you may think its no big deal to me!

Fire affects everyone, even those unburnt

A FIRE, even only on a neighbour and not on your site, can be very disruptive to your business and life.

The aftermaths of a fire can be extremely costly to a neighbourhood.

You now face blacked surroundings, and you are also left with severe waterlogging (from firefighting activities) and cleanup work to be done. Your businesses cannot resume without all these works.

And even after restorative works are completed, your business may not be continuing as per normal:- your usual customers may shun you.

Is Fire insurance more expensive?

A cheap yearly annual fire insurance or business insurance or the risks of loss of capital, loss of income and painful restorative payments.

A fire gutted Ang Mo Kio shophouses on 5th July 2019 and the damage was painful. Not only that, patrons and customers stayed away from the area.

Taken from Straits Times https://www.straitstimes.com/singapore/shopkeepers-bemoan-loss-of-business-after-ang-mo-kio-fire-injured-scdf-officer-discharged

The fire, which has affected the supply of power and electricity to the block, has resulted in Mr Leong losing about 50 per cent of his usual business.

“We are safe and we are lucky we can still open, but there is no phone line here, which means my customers cannot make bookings and can only pay with cash. Even when they walk in, they do not want to stay because there is no Wi-Fi,” he said.

Mr Leong is not alone, as other shopkeepers and employees also bemoaned the lack of Internet service and for some, electricity.

 

Fire is bad for homeowners

Thankfully, if a fire occurred and your family and you are safe, bless you!

Roughly 100 residents were affected by a single household fire on 24 June 2019.

In a video posted by Facebook user Dahlia SenSasi, thick black smoke is seen billowing out of the fourth-floor corridor as at least six firefighters break into the corner unit where the fire is raging.

People can also be seen knocking on doors on the other floors to alert residents of the incident. A total of 100 residents were evacuated by police, said SCDF.

https://www.channelnewsasia.com/news/singapore/fire-breaks-out-in-yishun-flat-2-taken-to-hospital-10463808

However, the bad news:- a fire engulfed your personal belongings, your important memory, and sentimental stuff, there are more….

You have to spend more money to restore your structure, your furnishing and redo furnitures for your home.

Damages caused by neighbour’s fire in HDB, Condo or Landed

If you are a neighbour, not only do you have to feel heartpain for your neighbour’s poor stroke of luck, you probably have to fork out plenty of money to clean up your home. If you are above or near him, you have to repaint the walls, throw away furnishing, clothes, furnitures that are damaged with bad smell and smoke.

If you are below him, you will have to deal with severe water damage.

If you are cautious about money and financials, you will realise something:- a fire insurance is the best thing you can to protect your finances.

Don’t just buy fire insurance, get a proper business or home coverage at the best value-for-money, don’t overpay for coverage you may not need. Do not over pay for your insurance cover.

Contact Us

Free $10 for your Motor Car insurance Renewal Notice

Are you overdue soon for your motor car insurance in the next few months? Your private car, or business’ commercial vans, lorries or fleet? (Gallery)

Not only can you get a FREE check on whether we can save you money for lower motor insurance, we are also giving you $10 for the checks!

No Obligation- FREE $10 just for Car Insurance Renewal Notice!

Would you like a professional adviser to see if he can get you a cheaper or a better deal for your current motor car insurance? HM Consultancy could be the professional general insurance specialist that you never knew you needed.

A $10 voucher to start our journey, where you can buy some fruits for the household or some chocolate and ice cream for your children and loved ones.

Car insurance renewal notice gift voucher Singapore

Car insurance renewal notice gift voucher Singapore

We are giving away free $10 voucher just for sending us your current car insurance notice! (just so we can quote you a better one!)

Even if you do not buy, you still keep the $10 voucher!

This is how confident HM Consultancy is, given our decades of experience in all General insurance such as car insurance, be it your comprehensive motor insurance, third party or a third party with fire and theft auto insurance. =)

Side note about HM:- HM are specialists in general insurance such as commercial fleet, private auto vehicle, GI for personal accident, travel insurance, travel annual plans, home fire insurance, and commercial public liability as well as group health and group dental plans.

💵💵How to Claim Your $10 Voucher:💵💵

1.) Click the link https://hmconsultancy.com.sg/renewal-notice-ntuc-voucher-giveaway/
2.) Fill in your information and upload your renewal notice.
3.) Wait for reply to self-collect your voucher or have it sent to you.

Claim your $10 NTUC Voucher NOW just by submitting your renewal notice!

BONUS: If you get a better insurance quote from us, you are saving money instead of blindly renewing your old, more expensive motor insurance quote!

EXTRA BONUS: Our team will always ensure great follow up whenever you need to claims and after-sales service (buy insurance most importantly is to claim, right?)

Car Insurance – Why comprehensive? Why Any Workshop is important?

EDIT: Since publishing, we received numerous enquires and we have spoke 1 major car insurance for a bonus deal for 2019:- they will be giving ANY WORKSHOP plans for your comprehensive package! You do not lose time, convenience and value anymore! Contact us soon before the offer ends!

Singaporeans love value for money stuff and car insurance is no difference. Without a doubt, the basic third party coverage is the CHEAPEST car insurance you can find in Singapore. The most value for money car insurance is definitely comprehensive car coverage (note: not from all insurers, only from those with a big network and wants volume)

Car insurance in Singapore are into 3 main car insurance package

  1. Third Party Coverage
  2. Third Party Plus Fire and Theft Coverage
  3. Comprehensive Car Coverage

As we all know, third party is cheapest, comprehensive is the best and most popular insurance selection in Singapore. Cheapest is best if you have no claims throughout the year. Unfortunately, the cheapest means you pay more in a car accident.

Third Party means you pay big in a car accident

Recently, there has been a trend of buyers’ regrets due to the huge price war between the major car insurers. In order to provide competitive bids for motorists, many Singapore car insurance companies are pushing their lowest plans of “Third Party Coverage” to convince car motorists that their insurance is the “cheapest”.

Unfortunately, as motorists find out, cheap does not mean the best. Once an accident occurs, they face big out-of-pocket costs.

Approved Workshops Only- Cheaper but restrictions can be expensive.

Once again, to rein in costs and to “prove” to motorists that their coverage is the cheapest, insurance agents push “Appointed Workshops” or “Approved Workshops” only plans, explaining to consumers that these plans are great cover, with a small discount over the older mainstream plans:- any workshops

Appointed or Approved workshops refer to an insurance coverage where you can only repair your cars at workshops that are selected and approved by the insurers. Any workshop plans refer to the traditional mainstream plans that allow you to visit any car workshop to repair and handle your car accidents.

Unfortunately, this lower priced plans may come at a big inconvenience for affected car motorist.

Disadvantages of Approved Workshops Only

  1. Location may not be favourable
  2. Workshops may not be ideal for your car make (especially for more unique or continental car models)
  3. In an accident, you may have no choice but to resort to whichever tow trucks or workshop is able to handle (you may be injured or dazzled to find out an appointed workshop to use). Claims will be more difficult after this
  4. Your usual, or preferred workshop, mechanics etc may not be in your insurance scheme
  5. Changing of insurance companies means you keep changing workshops in accident
  6. Even if repair time is slow, or no availability of a replacement car at the specified workshop, you have no choice.

Insurance companies tend not to dwell on the disadvantages, given the past few years trend of lower cost and price war.

You are losing out on TIME and CONVENIENCE, something that insurance companies hope you do not mind after the accident. And of course, something that you no longer have a choice since you already bought the plan!

You bought comprehensive plans but yet miss out on the convenience, time and quality by choosing Approved Workshop Only instead of Any Workshops.

Why do people want comprehensive plans but go for “approved workshops only”?

Because they want to save money. And they forgot or ignore the costs in the future. Even insurance companies may not like this in the long term because they get angry customers or frustrated customers:- in an accident, how do you still remain calm, composed and seek out workshops that are reputable, nearby, and STILL IN THE INSURERS’ APPROVED LIST?

You are losing a lot on time, convenience and quality of repairs.

Contact HM Consultancy about your concerns and let us find the plans that suit you best:- pricing? quality? long term value? We are experts because we have been in the car industry for decades.

If you have commercial vehicles such as lorries, vans, company cars, you will be glad to meet the specialist for commercial fleet motor car insurance

If you just want to ask for your private personal vehicle, do check out private car motor insurance.

Car insurance in Singapore FAQ

UPDATE: Get $10 voucher just by sharing your car policy details here!

Full Guide to Car Insurance 2019

These are the most common questions we have been asked in Singapore regarding motor insurance coverage by motorists over the past 2 decades. Let us know if you have any more new questions! We keen active participants and will update if there are more news on electric car insurance, autonomous vehicles (soon…) etc!

Meanwhile, these are all the decades-old commonly asked questions!

We all know we have to get car insurance, but what if we forget to buy? (or worse still, knowingly ignored to buy)

What will happen if I drive without car insurance in Singapore?

In Singapore, it is compulsory to have car insurance to drive. You need at least Third-Party Risks and Compensation car Insurance in Singapore. (commonly known as Third Party insurance, the other 2 types are 3rd Party with Fire and Theft and Comprehensive Car Insurance)

What is the punishment for driving without motor insurance?

It is an offence that driving a motor vehicle in Singapore without insurance coverage can be fined up to $1,000, imprisonment for up to 3 months, or both. You will also be disqualified from holding or obtaining a driving license for 12 months from the date of your conviction.

What happens if you have a car accident without motor insurance?

Under the law, you have to pay for all repairs or replacing of the other party’s car if you are at fault in the accident, as well as all medical expenses, loss or damages to the other party. This can be a financial disaster.

You will also have to be responsible for your own car’s repairs, and damaged possessions, your personal medical expenses. In the event that your car still have outstanding car loans, merely giving up the damaged car and scrapping it will still give you some debts to pay off.

This is why the Singapore government has made it compulsory for motor insurance, to prevent motorists from financial ruining themselves in an accident.

What types of car insurance are there in Singapore?

  1. Third Party Risks Only
  2. Third Party Risks, Fire and Theft
  3. Comprehensive Motor Insurance

Third Party Only Car Insurance

This is the minimum car insurance scheme that you have to obtain in Singapore, and it is the cheapest because of its no-frills structure. Third Party Only covers

  1. Coverage for other people in an accident if it is your fault.
  2. Nothing at all for you.

That is it. Third Party essentially covers the bare minimum required by law, to cover any other party involved in a car accident caused by you.

Nothing else.

What is Third Party car insurance suitable for?

Budget-conscious drivers with old cars.

If you have a fairly new car, I would recommend you not to consider this, as repair bills and replacement of a totally faulty car can be very expensive in Singapore. Even if this insurance covers your legal liability to the other party, you may face big repair bills for your own car. Even if you choose to scrap, you may face outstanding car loans for your own car that you have to repay.

Choose this scheme only if you have an old car, and only if you have to.

Third Party, Fire and Theft

It covers everything in Third Party, plus damage and losses from fire, theft, and vandalism. That is a lot better than the bare minimum of Third Party Only. You are getting coverage to your own car if you encountered fire, theft or vandalism.

Remember, “low crime doesn’t mean no crime.” (probably trademarked by Singapore Police Force)

What is Third Party with Fire and Theft car insurance suitable for?

Budget-conscious drivers.

This motor policy is still cheaper than the main type of policy, and will have some cost savings for motorists. Do take note that in an accident, it still does not cover your own car damage and losses, so you are still having the same financially exposed to the same risks as a Third Party Only policy.

The extra coverage is very worth it though, as there are still instances of cars burning in flames, car damaged or lost to theft or vandalism.

Comprehensive Car Coverage

Comprehensive motor insurance is the widest coverage and the most popular form of car insurance in Singapore.

As the name implies, you are covered for the other party, your own car, for all death, injuries, damages, and losses. You do not have to worry about medical costs, liabilities, etc that occurred from fire, theft, vandalism, car accidents to your own car or other parties.

Comprehensive coverage compulsory for most bank loans

Comprehensive Coverage is also required by most banks in approving the car loan, as the banks want to ensure that there is insurance coverage over your car.

As much as this popular coverage is sensible, if your car is more than 10 years old, insurers will not allow you to opt for this, you have to go for Third Party with Fire and Theft, as they deem your car too old and invaluable to cover.

What is comprehensive car insurance suitable for?

Most drivers who want to protect their expensive cars, which is basically every car in Singapore thanks to high taxes and COE prices.

Even when you are free to opt for other insurance packages if you have no bank loan, this is the popular and sensible package as you are protecting and reducing your financial risks.

What other benefits in comprehensive car insurance that I may like?

There are plenty of other benefits that insurers throw in, with no or little extra costs that are great for motorists. Some examples are:-

  • extra 10% discount on the 50% NCD (may be popularly termed 60% NCD)
  • 50% NCD Protection
  • Windscreen protection at no NCD loss
  • damage from riot, strikes and civil commotion
  • damage arising from flood and windstorm
  • liability of passengers for acts of negligence
  • personal accident benefits for passengers

What are the difference between Any Workshop and Appointed Workshop motor insurance scheme?

Appointed Workshop Only insurance policies mean in the event of any repairs or assessment of damages, you have to send your car to one of the approved workshop in the insurer’s list of accredited workshop.

You cannot use any workshop as you like.

What if I claim on another party?

In theory, this would not matter whichever policy you are holding. So even if you are holding Approved Workshop only, you can go to any workshop, since the insurer paying out is on the other party.

However, do check with your insurer when an accident happened. This is because it has happened before in Singapore that an insurer deny payouts even on the third party and fight to reduce the payout.  The insurer insists the rules apply to claims on another 3rd party insurance (Because the other party insurer is also them!). Sounds weird? Let me explain.

In a case that was published by Straits Times a few years ago, a car motorist was denied coverage and blacklisted by a certain local insurer. The motorist had a car accident and it was deemed the fault lies with the other party.

Hence the car motorist is claiming on the other party’s policy and not on his own (which is an Appointed Workshop only policy). He went to his favourite car workshop, which is not under the Appointed list because he believed he is claiming on the other party and does not come under his own policies.

Unfortunately, the insurance company was covering all the cars involved and under the terms, denied repair payout as it was not under “Appointed Workshops” list of the insurer. It made news and many motorists were appalled to learn that they should be cautious about making claims on repairs in other workshops, even in accidents that are not of their faults.

Any Workshops Insurance Policies

As the name suggests, car motorist can send their cars for repairs to any workshops. This is for reasonable and market priced repairs and assessment.

Insurance companies do make a point to investigate repair bills and assessment that may not make sense and are suspicious of fraud.

3 Ways to get Cheaper Car Insurance

If you are like most Singaporeans, you want the best deal for the buck. A car in Singapore is the most expensive priced in the world, do make a good deal for your motor coverage and save money.

  1. Visit a broker or an agent with more than 1 or 2 insurers.
  2. Increase your deductible (or Excess) that will reduce premiums
  3. Look for deals that tied with workshop, or other insurance package for overall discounts

Visit a broker or agent with many insurance companies

Comparison helps to reduce price, improve quality and most importantly, benefit consumers.

If your agent or broker has more than 1 insurance companies, he can helps to compare and get the best deal for you. The insurance companies know that this agency has volume of business and will reduce premiums or improve the benefits so that the agency will refer business to them.

Always choose an agent with more than 1 insurance companies

Increase your deductible or Excess

Increasing your deductible or excess in car insurance will help you pay lower premiums for your plans.

What is Excess in car insurance?

In car policies, the excess or deductible is the first amount you have to pay out of your pocket for any repairs and damages.

For example a policy may have $500 excess. This mean, in any accident, you have to pay the first $500 of the bill. Say your Honda has a repair bill of $8,000. You have to fork out the first $500, and the insurer will pay for the other $7,500.

You can choose a policy with higher excess. The higher the excess, the lower the premiums for the auto policy.

Choose a combination deals.

Talk to your insurance agency or broker for any tied deals. For example, you can choose to buy home fire, personal accident, and motor insurance together with him and he can work out a discount package for you.

Insurance brokers and agencies with a large variety of products to offer would love such deals with you.

Or you can choose a workshop tied up, where you get reduced premiums for your motor insurance in exchange for using a branded car workshop for your regular maintenance servicing and car repairs.

What is NCD or No Claims Discount?

Motor Insurance 50 NCD

Motor Insurance 50 NCD

NCD refers to No-Claims Discount and is offered to motorists that did not file claims in the previous year or years. If you have not filed a claim in 1 year, the NCD will start at 10% discount. This means you will get a 10% discount on your car insurance premium.

No Claims Discount is offered by all motor insurance companies in Singapore for all Singaporean drivers.

As the years go by, you will get higher and higher NCD. The official highest tier of NCD is 50% discount on your annual car insurance.

Number of claim-free years NCD
One year 10%
Two years 20%
Three years 30%
Four years 40%
Five or more years 50%

Will I lose all my NCD if I make a claim?

No. Insurers understand that for drivers of big NCD, an accident in the years of claims-free years may be a blip in an otherwise good driving record. Hence, a 50% NCD driver will not lose all his NCD, he wil merely falls to 20% NCD.

Similarly, a 40% No Claims Discount  driver will fall to 10% NCD instead of 0% NCD

Current NCD NCD after 1 claim
50% 20%
40% 10%
30% and under 0%

Can I lose my NCD if I sell or scrap my car?

If you sell or scrap your car, your no claims discount is still tied to you for as long as 24 months. The insurance company will offer the same NCD if you get a new car within 24 months. Do check with the insurer in advance as there are some companies that only offer the same NCD within 12 months.

What is NCD Protector?

You may choose to add a rider to your car policy that in the event of an accident, the rider will protect your existing NCD and you will not see a drop in the NCD.

This NCD Protector rider is only offered by a few insurance companies and to drivers with 50% NCD. Usually, the rider protects your 50% NCD with 1 claim per year. If there are 2 claims in a year, the NCD will drop to 20%. If there are more than 2, the NCD will be completely wiped out.

Is my NCD entitlement transferable to another person?

No, you cannot transfer NCD to another person, be it relative or close friends.

Why do I hear a 60% NCD?

Some insurers like to reward safe drivers with a long loyal bonus of sticking to the insurance with an additional 10%, making it 50% + 10%. This is actually a loyal bonus for safe driver sticking to the same insurer.

It is, however, a lot more catchy to be called 60% NCD.

What is windscreen protection?

Windscreen refers to the glass portion of the car, and is vulnerable to damage. Usually small incidents will cause windscreen damage or cracks and it is extremely painful to lose a high NCD because of windscreen claims.

Some insurance companies offer windscreen protection for an additional premium to allow for windscreen damage claim without affecting the NCD, subject to an excess.

What is named driver in car insurance plans and why is it important?

The named driver is someone who can drive the car with the owner’s permission and covered under the motor insurance. Besides the car’s owner, you can usually named another 1 or 2 people as the named drivers, and it is common for the driver to add in their spouse or family members as named drivers.

The named drivers enjoy the same benefits as the owner for the motor insurance. In any accident that occurred with a driver that is not listed in the policy, there will be a higher excess in claims.

Higher excess for unnamed drivers

For example, a policy of $500 excess will see the named drivers forking out an excess $500 in an accident.

However, an unnamed driver in the same accident may see a higher excess of $2000. Do check your insurance terms and conditions for the different coverage.

Less or No personal accident coverage for unnamed drivers

Some insurance policies have added benefits of personal accidental benefits for its named drivers. In some case, these extra personal accident benefits are not provided to unnamed drivers in any claims.

What do I do after a car accident?

Stay calm and check to make sure your passengers and you are safe and sound.

If there is any injuries, do seek medical attention first. You can get Emergency Hotlines in Singapore here.

You need to report to Traffic Police within 24 hours if these are involved

  1. Fatality
  2. Foreign Vehicles
  3. Damage to government properties
  4. Pedestrian or Cyclist
  5. Hit-and-run cases
  6. Injury cases where at least 1 person was taken to hospital or any party was injured with medical leave for 3 days and more

If you report to Traffic Police, do note that you still have to contact and file a report separately with your insurers within 24 hours or the next working day.

You do NOT have to report to traffic police after a car accident if the above are not met.

You should do these in in car accident

  1. exchange particulars of the parties involved in accident and take note of the vehicle numbers
  2. do take photographs of the scene of accident from different angles
  3. take photo of the damages to all vehicles (yours and the other parties)
  4. Do not admit fault or liability, leave it to the claims assessment department.

If you do want to file for a claim, you must report to the insurer within 24 hours or by the next working day. You may call your insurer hotline for calling a tow-truck or advice.

Do NOT do these after a car accident in Singapore

  • If there is a fatal accident or someone is injured, do not move the injured person or vehicle till traffic police arrive.
  • Do not move your vehicle before taking photographs and details.
  • Do not allow your car to be towed by unauthorised tow trucks, especially those that showed up mysteriously shortly after an accident (Scam Alert)

What is IDAC for car accident reporting?

IDAC is “Independent Damages Assessment Centres”, a group of independent accident reporting centres that you can visit to make accident reports after an accident. You can visit IDAC for a one-stop accident reporting centre to help with any car claims.

Do I go IDAC after a car accident?

IDAC is a convenient stop. However, they are not linked with all car assurance companies in Singapore.

These car insurance companies are linked to IDAC

  • India International Insurance
  • NTUC Income
  • Liberty Insurance
  • MSIG
  • UOI (United Overseas Insurance)
  • Allied World Insurance
  • First Capital Insurance Limited
  • Tokio Marine Group (only available at Sin Ming Road and Jalan Boon Lay IDAC)
  • Direct Asia Insurance (only available at Sin Ming Road and Jalan Boon Lay IDAC)

If your coverage is not under IDAC, you should go to either their authorised workshop to check for claims and repairs work or if you have Any Workshop coverage, you can visit your preferred car workshop.

You can visit the company website to fill in proper forms.

Do check with your general agent, the company hotline directly if you have other doubts.

Car insurer hotlines for Emergency & Accidents Singapore

We have compiled the latest hotline, updated as of 23th August 2019. These are for all major car insurance companies in Singapore, so if you are a policyholder of their auto motor insurance, do check out the claim pages or call them directly for help.

If you have an agent, you should call them too (the benefit of having an insurance adviser), if not, feel free to contact us directly for claims help or issues with your car insurance policies.

AIG 6338 6200 AIG Claims Page
AXA 1800 880 4741 AXA Claims Page
China Taiping 6389 6116 China Taiping Claims Page
EQ Insurance 6333 2222 EQ Claims Page
India International Insurance 6347 6100 III Claims Page
Liberty Insurance 1800 5423 789 Liberty Claims Page
Lonpac Insurance 6250 7388 Lonpac Claims Page
NTUC Income 6788 6616 NTUC Income Claims Page
Great Eastern OAC 6248 2660 Great Eastern OAC Claims Page
Allied World (Ex RSA) 6337 0911 Allied World Claims Page
MSIG 6337 1208 MSIG Claims Page
Sompo (ex Tenet) 6226 3323  Sompo Claims Page
Tokio Marine 1800 2258647 Tokio Marine Claims Page

If you have commercial vehicles such as lorries, vans, company cars, you will be glad to meet the specialist for commercial fleet motor car insurance.

We have covered numerous car fleets in Singapore and is adept at finding the best price with great coverage for you.

If you just want to ask for your private personal vehicle, do check out private car motor insurance.

Get Paid to Your Motor Insurance By Switching Car Workshops

Car motorists love ways to reduce their costs of maintaining their vehicles in Singapore. Right now, car owners have to spend a hefty sum on-road taxes, auto insurance, car servicing and etc.

We can help you reduce your car servicing cost, together with your insurance premium in a GroupBuy package for Singaporeans! Everyone benefits from the volume buying on motor cover and workshop deals.

Reduce your car servicing and motor insurance premiums TOGETHER

If you can improve your car life with better car servicing, and yet see a lowering of your car servicing fees with lower car insurance, does that interest you?

HM Consultancy has tied up with car workshops to bring you

  1. lower car insurance
  2. better car servicing with lower fees

By pledging to do your regular car servicing with our car workshop, we will combine to slash $200 – $300 off your usual car insurance package (Comprehensive, Any Car Workshop Motor Insurance)

Sounds good?

Great Car Servicing Package with One Year Warranty

Not only that, as a mark of confidence in the quality of the car workmanship, you will get a ONE YEAR WARRANTY on your gear box when you do your car servicing with them!

Do email or whatapps us to sign up for this wonderful deal. HP: +65 8163 1130
Email: sales@hminsg.com

Share with your friends this terrific deal on whatsapp and facebook!