Your DirectAsia.com Private Rental car insurance policy details

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1 Yur DirectAsia.cm Private Rental car insurance plicy details Thank yu fr chsing DirectAsia.cm Private Rental car insurance. We have made this plicy simple and straightfrward s that yu can understand what we cver and what we d nt cver. Direct Asia Insurance (Singapre) Pte Ltd (Cmpany Reg. N G) 88 Suth Bridge Rad Singapre SGPteRentalCarCmpVers1.1:01 December2012

2 cntents 1 yur DirectAsia.cm Private Rental car insurance plicy 2 where we cver yu 3 yur benefits 4 what we d nt cver 5 hw much yu have t pay if yu make a claim - yur ecess 6 accidents and claims 7 discunt n premium yur n claim discunt 8 what yu need t d 9 keeping yur DirectAsia.cm Private Rental car insurance up t date 10 custmer care 11 questins and feedback 12 definitins SGPteRentalCarCmpVers1.1:01December2012 2

3 1 > yur DirectAsia.cm Private Rental car insurance plicy Yur DirectAsia.cm Private Rental car insurance plicy tells yu what yu need t knw abut yur Private Rental car insurance. We eplain yur DirectAsia.cm Private Rental car insurance, what happens if yu have t make a claim and what yu need t d when yu insure with DirectAsia.cm. At any time, if yu encunter any difficulty r have any questins abut yur cver r yur plicy, yu can visit us at us at CustmerService@DirectAsia.cm r call us n imprtant ntice We are required by law t tell yu that befre we prvide cver, yu must fully and faithfully tell us everything yu knw r culd reasnably be epected t knw that is relevant t ur decisin t give yu the insurance, therwise yu may receive n benefit frm yur plicy. yur plicy Yur DirectAsia.cm Private Rental car insurance plicy is a cntract between yu and us and is made up f the infrmatin and any declaratins submitted by yu t us, the terms and cnditins f use set ut in r n ur DirectAsia.cm website, yur certificate f insurance, the plicy schedule, these plicy details and any ther written change t these dcuments that is advised by us in writing (such as an amendment). Tgether we will call these dcuments yur DirectAsia.cm Private Rental car insurance plicy r yur plicy. Yur plicy is prf f the cntract between yu and us. It is based n the infrmatin given by yu r fr yu when yu applied fr this insurance. This infrmatin is shwn n yur certificate f insurance and the plicy schedule. We will take it that yu prmise that the infrmatin yu have given us is true. Yur DirectAsia.cm Private Rental car insurance plicy cvers the car described n yur certificate f insurance and yur plicy schedule and in these plicy details we will call it yur car. Yu will nt be cvered fr anything that is nt described n yur certificate f insurance r yur plicy schedule. In rder t be cvered under this DirectAsia.cm Private Rental car insurance plicy, the plicyhlder must be the legal and registered wner f the car described n yur certificate f insurance. If the plicyhlder is nt the legal and registered wner f that car then yu and that car will NOT be cvered under this plicy. Subject t payment f yur premium, yur plicy will becme effective n the date and time including any etensin apprved by the car wner specified in yur plicy schedule and cntinue fr the perid f cver specified n yur plicy schedule. Please read carefully the certificate f insurance, the plicy schedule and these plicy details t make sure all the infrmatin in yur plicy is cmplete and crrect. If yu need t change anything, please cntact us immediately. The eceptins, eclusins, sums insured, limits and payment requirements described in these plicy details apply t all sectins f yur plicy. T the etent permitted by law, yu will receive yur plicy electrnically. There may be sme dcuments that we cannt deliver electrnically due t legal and technlgical cnstraints. These will be psted t yu. Yu are advised t keep yur certificate f insurance in yur car at all times as this is required under Singapre law. Yur plicy uses wrds that have definite meanings. T make sure that yu are aware f these wrds and their meanings, please read the list f definitins set ut in sectin 12. yur duty t tell us The insurance cver under yur plicy is based n the infrmatin yu have given t us. When we agree t insure yu r vary yur plicy, r t pay yur claim, ur decisin relies n the accuracy f the infrmatin yu give us. If that infrmatin is nt accurate, we can reduce r deny any claim yu make. We can als cancel yur plicy and treat it as if it had never eisted. T avid any cancellatin f yur plicy r nnpayment f yur claim yu must answer SGPteRentalCarCmpVers1.1:01 December2012

4 hnestly, crrectly and cmpletely the questins we ask abut: yu; any ther peple wh drive r will drive yur car; yur car; the driving and insurance histry f yu and any ther peple wh drive r will drive yur car; and any events invlving yur car that result in a claim n yur DirectAsia.cm Private Rental car insurance plicy. Yu must cmply with: all f the terms and cnditins in yur DirectAsia.cm Private Rental car insurance plicy; and any amendments t yur DirectAsia.cm Private Rental car insurance plicy. PPF Statement Yur DirectAsia.cm Private Rental car insurance plicy is prtected under the Plicy Owners' Prtectin Scheme which is administered by the Singapre Depsit Insurance Crpratin (SDIC). Cverage fr yur plicy is autmatic and n further actin is required frm yu. Fr mre infrmatin n the types f benefits that are cvered under the scheme as well as the limits f cverage, where applicable, please cntact us r visit the GIA / LIA r SDIC websites ( r r wh we are DirectAsia.cm Private Rental car insurance in Singapre is issued by Direct Asia Insurance (Singapre) Pte Ltd (Reg. N: G) f 88 Suth Bridge Rad Singapre > where we cver yu We cver yu where yur car is registered in Singapre and is being driven in Singapre nly. This is what we call the cvered area. 3 > yur benefits yur plicy cver Yur plicy cver is subject t the things that we d nt cver as described in these plicy details. Yur plicy cver and ability t claim is als subject t the payment by yu f the ttal premium and any amunt required t be paid that is applicable t the accident r lss that has ccurred (yur ecess) plus any applicable gds and services ta. The amunts f all types f ecess that may be payable by yu are shwn n yur certificate f insurance and yur plicy schedule. All limits and amunts that may be payable by us t yu r as shwn in these plicy details, n yur certificate f insurance and n yur plicy schedule are in Singapre dllars and are inclusive f gds and services ta. imprtant nte Yur DirectAsia.cm Private Rental car insurance plicy is a named driver plicy and nly cvers the driver that is named in the plicy. Yur plicy des nt cver: any driver wh is nt named under the plicy; and any named driver whse licence has been suspended r cancelled at any time in the 5 years immediately preceding the date f yur plicy. yur available cre DirectAsia.cm Private Rental car insurance cvers Described belw are details f the cre DirectAsia.cm insurance cvers that a DirectAsia.cm Private Rental car insurance plicy will prvide yu. These cvers are subject t payment by yu f yur premium and t any limits and ecess that are detailed in these plicy details, n yur certificate f insurance and n yur plicy schedule. SGPteRentalCarCmpVers1.1:01December2012 4

5 cverage fr yur car cllisin We will cver yu fr the cst f repairing yur car up t the reasnable market value f yur car when it is damaged in a cllisin, whether it is yur named driver s fault r nt. fire and vandalism We will cver the cst f repairing yur car up t the reasnable market value f yur car if it is damaged by fire r if it is maliciusly damaged r vandalised. damage caused by strm, water r acts f gd We will cver the cst f repairing yur car up t the market value f yur car if it is damaged by an act f gd, a strm (including lightning), fld r ther water damage. ttal lss and theft If: we decide that yur car is s badly damaged that it wuld nt be safe r ecnmical t repair it; r yur car has been stlen, we will pay yu the market value f yur car at the time f the accident r lss. We will be entitled t all salvage csts and land transprt authrity rebates (like COE and PARF) that are claimable by the wner f yur car. Once we agree t pay yu fr ttal lss f yur car, yur DirectAsia.cm Private Rental car insurance plicy will immediately terminate and yu will need t return t us the riginal certificate f insurance. This is required by Singapre law. In this event, we will retain the damaged car and require yu t sign all dcuments and frms necessary t transfer wnership f yur car t us r as we direct. We have the right t appint a salvage agent r wreck buyer f ur chice. accessries and spare parts fr yur car We will cver yu fr accessries and spare parts fr yur car prvided that the accident, lss r theft is cvered by yur plicy, that these accessries are fitted as standard equipment by the maker r distributr at the time yur car was riginally purchased and they were n yur car at the time f the accident, lss r theft. We can decide whether t replace r repair these items r pay yu the cst t d this. If there is lss r damage t yur car r its accessries and spare parts requiring a part that cannt be btained frm stcks in Singapre, we can pay yu the cash equivalent f the amunt f the lss r damage, with ur liability being limited t: the price quted in the latest catalgue r price list issued by the maker r its agents in Singapre r if there is n such catalgue r price list, the price last btained at the maker s wrks plus the reasnable cst f transprt and the amunt f the relative imprt duty; and the reasnable cst f fitting such part. We will nt pay fr transprtatin f the relevant accessry r spare part by air. We d nt cver yu fr theft f r damage t parts and accessries f yur car where the whle car is nt stlen at the same time. We d cver theft r damage t parts and accessries f yur car ONLY if the car is recvered in a damaged cnditin after a theft has ccurred. windscreen and windw damage We will pay yu fr the full replacement r repair cst f yur car s windscreen r yur car s windws if there is n ther damage t yur car. Under this windscreen damage cver we will nt pay fr damage t sun rfs, any ther glass panels fied t the rf f yur car r fr any mirrr fitures in r n yur car. We als will nt pay fr repairs t r replacement f yur windscreen r ther glass panels (including windws and sun rfs) due t scratches. The ecess shwn n yur plicy schedule will be payable by yu if yur car s windscreen r SGPteRentalCarCmpVers1.1:01December2012 5

6 any windw is replaced. N windscreen damage ecess is payable if yur car s windscreen r any windw can be and is repaired. twing If yur car cannt be driven because f damage r lss that we cver yu fr, then we will pay the reasnable cst f twing yur car t the nearest repairer t the lcatin where the damage ccurred. The maimum amunt payable by us under this cver is $200. liability t ther peple and ther peple s prperty death r injury t a persn third party death r bdily injury When the use f yur car by yur named driver causes injury r death t a third party, we will cver yu r the named driver fr any legal liability arising frm any such accident. We als cver yu fr legal liability fr the death r injury f a third party caused by the actins f yur passengers while they are getting in r ut f yur car. We will als cver claims fr the death r injury fr passengers wh were in (r wh were getting in r ut f) yur car at the time f the accident. Our cver is inclusive f all liability fr interest, csts and epenses indemnified under yur plicy and all ther csts and epenses incurred by r n behalf f yur named driver. We d nt cver any claims fr death r injury sustained by yur named driver while driving yur car. damage t anther persn s prperty third party prperty damage We will cver yu t a maimum amunt f five hundred thusand dllars ($500,000) inclusive f all csts (including legal csts) if: yur named driver damages smene else s prperty as a result f a cllisin arising ut f the use f yur car; and/r a passenger in yur car damages smene else s prperty as a result f getting in r ut f yur car. We will nt cver claims fr lss r damage t: any items n r in yur car whether r nt this prperty is wned by yu r wned by any ther persn; and any prperty wned by yu r yur named driver which is damaged as a result f a cllisin arising ut f the use f yur car while driven by yur named driver. legal csts criminal charges If there is an accident which results in the death f r serius injury t a third party and which is cvered by yur plicy, we have the ptin entirely at ur discretin t arrange fr legal representatin and/r t pay all r sme f the reasnable legal csts and/r epenses t defend r represent yu r yur named driver cvered by yur plicy against any criminal charges that may be brught against yu r yur named driver. If yu decide t appint yur wn lawyer t defend yu, we must agree t all legal csts and/r epenses befrehand. If we agree t pay such legal csts and/r epenses we will advise yu f the etent t which we will prvide such assistance. The maimum amunt payable by us fr this cver is $3,000. We will nt pay fr legal csts and/r epenses t defend yu r yur named driver where yu r that named driver has been charged with r cnvicted f reckless driving, dangerus driving, causing death by reckless r dangerus driving r murder. Yu must reimburse us fr any legal csts and/r epenses that have been paid by us n yur behalf. 4 > what we d nt cver As mentined in sectin 3, there are additinal things that yur DirectAsia.cm Private Rental car insurance plicy des nt cver. SGPteRentalCarCmpVers1.1:01December2012 6

7 fraudulent r false claims We will nt pay a claim which is in any part fraudulent, false, eaggerated r if yu, yur named driver r anyne acting fr yu, makes a claim in a fraudulent r false way, r where we have been given dcuments r infrmatin that are false r stlen r incmplete. ther eclusins If any ne r mre f the fllwing events ccur we will be able t refuse r reduce yur claim. We can als cancel yur plicy. driver behaviur Subject t ur bligatins under the Mtr Vehicles (Third-Party Risks and Cmpensatin) Act and the Rad Traffic Act 1987 (Malaysia), we d nt cver lss r damage t yur car r claims against yu, yur named driver r passengers f yur car if it was being driven by yur named driver, wh: was nt licensed t drive yur car; was nt crrectly r validly licensed t drive yur car; was nt cmplying with the cnditins f their licence t drive yur car; has had his r her licence suspended r cancelled at any time in the 5 years immediately preceding the date f yur plicy; had a percentage f alchl in their breath, bld r urine which in ur sle pinin impaired their ability t cntrl r drive a car; and/r had a percentage f drugs in their bdy which in ur sle pinin impaired their ability t cntrl r drive a car. hw yur car is used Subject t ur bligatins under the Mtr Vehicles (Third-Party Risks and Cmpensatin) Act and the Rad Traffic Act 1987 (Malaysia), we d nt cver lss r damage t yur car r claims against yu, yur named driver r passengers f yur car if yur car was: nt registered pursuant t the Rad Traffic Act (Cap. 276) r its registratin has been cancelled; SGPteRentalCarCmpVers1.1:01December mdified withut the apprval f the Registrar f Vehicles in accrdance with the Rad Traffic (Mtr Vehicles Registratin and Licensing) Rules r any relevant legislatin; in an unsafe r unradwrthy cnditin; being used t carry passengers fr hire, fare r reward; being used fr any mtr cmpetitin, rally, track day, mtr sprt race, trail, test, cntest r fr trialling at any mtr sprt venue, radway r at an ff rad 44 event (whether r nt any f these activities are legal r illegal); being tested in preparatin fr any mtr cmpetitin, rally, track day, mtr sprt race, trail, test, cntest r fr trialling at any mtr sprt venue, radway r at an ff rad 44 event (whether r nt any f these activities are legal r illegal); being used n any racing track r rads by any ther names called that are typically used fr maker s drivers days, advanced driver training r instructin, racing, pace making r similar purpses; being used n rails and nt n terra firma; being used n an airprt runway r airprt aprn areas; being used fr driver instructin r tuitin fr a fee; being used fr eperiments, tests, trials r any demnstratin purpse; being used fr any illegal r criminal purpse r in the curse f any illegal r criminal activity; being used t carry a number f passengers r carry r tw a lad greater than that fr which yur car was cnstructed r licensed; being used t carry, mve r stre dangerus, hazardus r inflammable gds r substances that might pllute r cntaminate where such gds r substances are in quantities abve

8 thse used fr usual dmestic purpses; being used by a persn r used fr any purpse nt shwn n yur current certificate f insurance and/r plicy schedule; being used t carry gds fr payment; and/r being used fr any purpse in cnnectin with the mtr trade. general eclusins These are general eclusins that apply t yur DirectAsia.cm Private Rental car insurance plicy. We d nt pay claims fr: lss, damage and events that happen utside yur perid f insurance with us as shwn n yur certificate f insurance and/r plicy schedule; tyre damage caused by rad cuts, punctures, bursts r braking; lss that ccurs because yu cannt use yur car (including any wages r cmmissin); lss r damage that ccurs utside the cvered area; lss r damage caused intentinally by yu r by a persn acting with yur actual r implied apprval; lss r damage caused by a failure t lck r secure yur car; lss r damage caused by a failure t prtect and secure the keys r the remte lck release mechanism fr yur car; lss r damage caused by r by leaving yur car in an unsafe psitin after it brke dwn, suffered accidental damage r was stlen and then fund and yu were ntified; lss r damage caused by terrrism, war, invasin, acts f freign enemies, hstilities, civil war, rebellin, revlutin, rit, affray, insurrectin r military r usurped SGPteRentalCarCmpVers1.1:01December pwer (including lss r damage caused by lting r pillaging); lss r damage caused by cntaminatin r pllutin by chemical, bilgical r nuclear r radiactive agents, weapns r materials (whether actual r threatened); lss r damage caused by actin taken by a gvernment r public authrity r any bdy authrised by gvernment r a public authrity t prevent, limit r remedy any actual r threatened release, pllutin r cntaminatin by chemical, bilgical, nuclear r radiactive agents, weapns r materials; lss r damage t yur car while n cnsignment; depreciatin r lss f the value f yur car; deteriratin, wear, tear, rust, ersin r ther frms f crrsin; aftermarket parts r accessries r nn standard parts r accessries fied t r in r n yur car; repairs t eisting damage that was nt caused by r during the accident in questin; mechanical, structural, electrnic, electrical r ther failures r breakdwns whether caused by the manufacturer r therwise; the cst f fiing faulty repairs; lss r damage caused by factrs beynd ur cntrl such as the unavailability f parts and accessries; repairs carried ut withut ur prir written cnsent persnal items stlen frm yur car; repair r replacement f a whle set (fr eample, wheels) where the lss r damage is t part nly f that set; damage t data, sftware r cmputer prgrammes that is caused by a deletin, a crruptin r a defrmatin f the riginal structure;

9 lss r damage caused when driving yur car after receiving medical advice that yur ability (r that f any named driver) t drive yur car is impaired by that medical cnditin r by the medical treatment prescribed fr that cnditin; criminal breach f trust; and/r lss r damage caused by the lawful repssessin r seizure f yur car. We shall als nt be deemed t prvide cver r be liable t pay any claim r prvide any benefit under this plicy t the etent that the prvisin f such cver, payment f such claim r prvisin f such benefit wuld epse us t any sanctin, prhibitin r restrictin under United Natins reslutins r the trade r ecnmic sanctins, laws r regulatins f the Eurpean Unin, United Kingdm r United States f America. 5 > hw much yu have t pay if yu make a claim yur ecess Befre we will pay any amunt fr a claim under yur plicy, yu are required t pay an initial amunt r initial amunts applicable t the accident r lss. In this DirectAsia.cm Private Rental car insurance plicy, we will call each such amunt yur ecess. If yur claim is fr mre than ne accident r lss, each ecess applicable t such accident r lss will apply. These amunts are cumulative and the ttal cumulative ecess is payable by yu. In brief, the types f ecess that might apply t yu are: type f ecess yur plicy when it applies and when yu have t pay this is the minimum amunt yu have t pay fr each claim made by yu and it applies t all claims where an ecess is payable. This ecess is payable in additin SGPteRentalCarCmpVers1.1:01December windscreen my wrkshp t any ther ecess. this is the amunt yu have t pay if yu make a claim under ur damage t windscreen cver and yur car s windscreen r windw is replaced. N windscreen ecess is payable by yu if yur car s windscreen can be and is repaired. this is the amunt yu have t pay if yu chse t have yur car repaired at a wrkshp f yur chice that is nt a DirectAsia.cm apprved wrkshp. The amunt f this ecess is $1,500. The my wrkshp, windscreen ecess amunt is payable in additin t yur plicy ecess. The amunts are als subject t any applicable gds and services ta. If we have made any payment under yur plicy that includes an ecess payable by yu, this amunt will have t be refunded by yu t us when we ask yu t d s. 6 > accidents and claims Imprtant Nte: All accidents must be reprted t us in accrdance with the requirements f the Singapre Mtr Claims Framewrk (see fr details), within 24 hurs r by the net wrking day and yur car must be taken t ne f ur apprved reprting centres fr inspectin within this time. This reprting has t be dne by yu n matter hw small r unimprtant the damage might seem t yu, even if there is n visible damage and whether r nt yu intend n claiming frm any ther insurers r third parties. If yu d nt d this, any claim under yur plicy will nt be admissible. Yu shuld reprt t us within 24 hurs r by the net wrking day in the event yur car is lst r stlen. Yu can cntact us t tell us this infrmatin by r phne. Mre infrmatin cncerning what t d in the event f an accident can be fund n ur website

10 T ensure an efficient and speedy claim prcess we will take instructin frm yu r any ther persn prvided that they are named n yur plicy. If yu wuld like smene else t deal with yur plicy r claim n a regular basis please let us knw. If yu give us infrmatin abut anther persn, in ding s yu cnfirm that ther persn has given yu permissin t prvide the infrmatin t us t be able t prcess that infrmatin and als that yu have tld that ther persn wh we are and that we will use that infrmatin. what yu have t d If an accident r lss ccurs that might lead t a claim being made under yur DirectAsia.cm Private Rental car insurance plicy, yu have t d all f the fllwing: d everything yu reasnably can t limit the lss, damage r injury and t prevent further lss, damage r injury; reprt the accident r lss t us within 24 hurs r by the net wrking day f the accident r lss with yur car (ecept where this is nt pssible in the case f theft), at the apprved reprting centres; immediately send us any crrespndence yu receive abut the accident (including telling us if yu becme aware f any demand, curt prceedings (actual r threatened) r ffers f settlement; give us any infrmatin and help we may need in handling the claim, including attending curt t give evidence; and allw us t eamine and inspect the damage befre repairing yur car. Yu must d this even if yu cannt make a claim fr damage t yur car r d nt wish t make a claim fr damage t yur car under yur plicy. If yu are making a claim n us fr damage t yur car, yu must write t infrm us f that claim within 14 days f the accident r discvery f damage. SGPteRentalCarCmpVers1.1:01December what yu must nt d When an accident ccurs that might lead t a claim being made against us by yu r any ther persn, yu must nt, withut ur written apprval, d any f the fllwing: leave yur car unattended withut taking prper precautins t prevent further lss r damage in the event f an accident; drive yur car after it is damaged befre necessary repairs have been carried ut. In such event, we will nt be liable fr any further damage; carry ut repairs t yur car befre we have had the pprtunity t inspect it; admit fault r liability t anyne else r negtiate, pay r settle a claim with anyne else. If an accident ccurs that causes lss, damage r injury: we may take ver and cnduct in yur name the defence r settlement f any claim against yu; we have the full right t decide n hw the defence is cnducted r a claim is settled; and we have the entitlement t represent yu at any inquest r fficial inquiry. If we pay yur claim, we have the right t take legal actin in yur name against any persn respnsible fr the lss, damage r injury. We will take this actin at ur wn epense. Yu must nt d anything that limits ur right t d this. Once we have paid yur claim up t the applicable limit, we are nt bliged t cntinue t cnduct the defence r settlement f a claim against yu by anther persn. If we decide nt t cntinue with the cnduct f the defence r settlement f claim, we will nt be respnsible fr any damage, lsses, csts r epenses incurred by yu r by any ther persn as a result f ur decisin. repairing yur car Yu will be a DirectAsia.cm apprved wrkshp eclusive user, and all repairs t r replacements f parts f yur car resulting frm any damage cvered under yur plicy will be

11 carried ut at ne f ur apprved wrkshps using genuine r riginal equipment manufacturer parts. The list f apprved wrkshps is shwn n yur plicy schedule. Hwever, as the list is subject t change, please see ur website fr ur latest panel f apprved wrkshps. If yu carry ut repairs n yur car at any wrkshp ther than ne f ur apprved wrkshps and if yu make a claim under yur plicy yu will have t pay us an ecess f $1,500 called the my wrkshp ecess as eplained abve in sectin 5. Yu must als btain ur written cnsent befre any repairs are carried ut t yur car. wh we can pay If a claim is made by yu under yur plicy fr lss f r damage t yur car, we may settle the claim with the legal wner directly if yur car is wned by smene else (fr eample, under a hire purchase r leasing agreement r an emplyer s lan) and if the legal wner is named in the plicy. The acceptance by that legal wner f ur payment abslves us f all further liability t yu and/r t any ther persn in respect f such lss r damage. if there is ther insurance If yu have ther insurance which cvers the same liability, lss r damage, we will nly pay yu ur share f the claim and we will have n bligatin t pay yu any amunt if yu are entitled t indemnity under any ther insurance plicy. 7 > discunt n premium - yur n claim discunt N Claim Discunt is nt applicable fr this DirectAsia.cm Private Rental car insurance plicy. 8 > what yu need t d taking precautins Yu must at all times take reasnable precautins t prevent accidents r lss f and damage t yur car. yur duty t tell us Yu must fully and truthfully disclse t us the facts as yu knw r ught t knw them, therwise, yu may receive n benefit frm the plicy. When yu answer ur questins, it is imprtant that yu answer fully and truthfully as yu are bliged under the law t tell us anything yu knw r shuld knw that is necessary fr us in making ur decisin t insure yu r anyne else under yur DirectAsia.cm Private Rental car insurance plicy and the terms n which we will insure yu. This includes answers t questins we ask when yu apply fr a plicy, r alter yur plicy, and any ther matters which might affect whether we insure yu and n what terms. We use the infrmatin yu give us t decide whether t insure yu, r anyne else, s it is imprtant yu understand this when yu are answering ur questins fr yurself and fr anyne else wh yu want us t cver. If yu d nt answer ur questins fully and truthfully and d nt disclse all relevant infrmatin t us then yur claim culd be reduced r refused (either ttally r in part). We may even cancel yur plicy and treat yur plicy as never having eisted. Yu must infrm us immediately f any changes in the infrmatin yu have given us previusly. If yu d nt, yu may nt receive any benefits under yur plicy n any claim and /r we may cancel yur plicy. In additin, we may als seek t recver any csts we have incurred. what yu need t d in relatin t yur car Yu have t d all f the fllwing: keep yur car, it s permitted and cvered accessries and spare parts in gd, efficient and radwrthy cnditin and take SGPteRentalCarCmpVers1.1:01December

12 reasnable care t safeguard them frm lss r damage; allw us free and full access t eamine yur car r any part f it and interview yu r yur named driver; take all reasnable steps t safeguard yur car frm lss r damage; in the event f an accident r breakdwn, yur car must nt be left unattended withut prper precautins being taken t prevent further lss r damage; cmply with all relevant laws in the gegraphical area where yu are driving yur car; cmply prmptly with all relevant laws, regulatins and requirements f public authrities; and infrm us immediately if: there is any material change in yur car r in the nature f the risk; yu n lnger wn r have an interest in yur car; and/r yu take ut any ther insurance which cvers yur car r liability against similar risks. payment f yur premium Yur insurance premium will be shwn n yur plicy schedule and yu must pay yur premium directly t us r ur authrised representative by the due date specified in the relevant cnfirmatin sent by us t yu. If the ttal premium is nt paid and received in full by us n r befre the start date, the plicy will be deemed t be immediately and autmatically cancelled and n benefits will be payable by us. Any premium payment received after the start date shall have n effect n the cancellatin f yur plicy. All payments fr any insurance prducts, r ther services purchased via ur website must be paid in full by the due date specified in the relevant cnfirmatin. Unless therwise prvided fr, all payments are required t be made by yu using a type f credit card accepted by us at the time f purchase f the applicable insurance plicy r service. Yu must therefre prvide t us thrugh ur website, SGPteRentalCarCmpVers1.1:01December details f yur current and valid credit card, including: credit card type; name n credit card; credit card number; and epiry date. Yu shuld nt send us sensitive financial infrmatin like yur credit card number by . Unless yu ask us t change yur payment details, we will debit the card we have n file t cllect any mney due n yur plicy. refunds and reimbursements Yu must pay r refund t us any amunt fr which we wuld nt therwise be liable under yur plicy. In particular, yu must pay us any amunt fr which we wuld nt therwise be liable under yur plicy but fr the Mtr Vehicles (Third- Party Risks and Cmpensatin) Act (Cap. 189), Malaysia s Rad Transprt Act 1987, the Agreements between the Minister f Finance f the Republic f Singapre and the Mtr Insurers Bureau f Singapre dated 22 February 1975 and between the Minister f Transprt f the Gvernment f Malaysia and the Mtr Insurers Bureau f West Malaysia dated 15 th January 1968 and any ther agreements pursuant theret and/r any ther applicable laws. 9 > keeping yur DirectAsia.cm Private Rental car insurance up t date If there is a material change in yur circumstances, then yu must tell us immediately. Yu may be charged a different premium. If yu d nt tell us abut changes in yur circumstances, then this culd result in an additinal premium being payable by yu, affect the amunt yu are able t claim r may even mean that yu are unable t make a claim. If yur changed circumstances differ materially

13 frm what yu have previusly tld us, then a failure t tell us f these changes culd als result in yur plicy being declared vid and as having never eisted. making changes t yur plicy by yu Yu may cntact us t request a change t be made t yur plicy. We dn t have t accept any changes but if we d accept a change, we will cnfirm it in writing t yu r amend it n yur certificate f insurance and plicy schedule. The changes yu requested will nly take place when we have cnfirmed them in writing t yu and yu pay any additinal premium that may be required. Yu can cntact us t make changes t yur plicy nline, by r phne. making changes t yur plicy by us We may change the terms and cnditins f yur plicy, including the premium payable. We will give yu at least 30 days ntice befre such change is effected. We may als change any terms and prvisins f yur plicy at the end f yur plicy such that the change will be applicable frm the net perid f insurance. Yur cntinued payment f the premium after we give yu ntice f any change t yur plicy will mean that yu accept such change. cancelling yur plicy Bth yu and we may at any time prir t cmmencement f the perid f insurance cancel yur plicy by giving ntice f cancellatin t the ther party. In the event that yu cancel yur plicy at least 30 minutes befre the cmmencement f yur plicy, we will be entitled t charge an administratin fee f 20% f the premium charged t cver the cst f setting up the plicy but yu will nt be entitled t any refund f premium if: the cancellatin is dne less than 30 minutes befre the cmmencement f the plicy; the perid f insurance has cmmenced; SGPteRentalCarCmpVers1.1:01December On cancellatin, yu will have t pay t us any amunts due t us by yu and return t us the riginal certificate f insurance as required by Singapre law. If smene else is the legal wner f yur car because f a hire purchase, financial r leasing agreement r emplyer s lan with yu and we have been infrmed f this fact, we will advise them when we cancel the plicy. Yu must pay us any utstanding r due premium within 10 days f yu r us cancelling yur plicy. Delayed payments will be subject t interest and added charges. cancellatin fr dishnesty If we cancel yur plicy because yu have nt hnestly answered the questins we have asked yu abut: yu; any ther persn wh drives r will drive yur car; yur car; the driving and insurance histry f yu and any ther persn wh drives r will drive yur car; and/r any events invlving yur car that result in a claim n yur DirectAsia.cm Private Rental car insurance plicy then in additin t any ther f ur rights, yu must pay t us n demand an administratin fee f $107 (inclusive f GST) and we may debit yur credit card fr this amunt withut the need t btain any additinal authrisatin frm yu. interest f ther persns Yu are nt allwed t transfer r assign yur interest in this DirectAsia.cm Private Rental car insurance plicy t any ther persn withut first btaining ur written apprval. Yu must tell us if anyne else has an interest in yur plicy (fr eample, the legal wner f yur car thrugh a hire purchase r leasing agreement r emplyer s lan). We will etend t them the insurance under yur plicy nly after yu have infrmed us f their interest and we have agreed in writing t enter their name and interest n yur plicy.

14 Hwever, by ur ding this it des nt make yu an agent r trustee fr them r assign yur rights and interests t them. 10 > custmer care We are cmmitted t prviding yu with quality insurance prducts and services but if any dispute arises ut f yur DirectAsia.cm Private Rental car insurance plicy that we cannt reslve between us, then that dispute may be submitted t the Singapre Mediatin Centre fr settlement by mediatin in accrdance with the mediatin prcedure in frce. Yu and we agree t take part in the mediatin in gd faith and undertake t hnur the terms f any settlement reached. If any dispute is nt referred t mediatin r if mediatin fails, the dispute can be referred t arbitratin by a single arbitratr t be appinted by each f us in writing. If we and yu cannt agree n an arbitratr within ne calendar mnth f a request fr arbitratin by either party, the arbitratr shall be appinted by the Singapre Internatinal Arbitratin Centre ( SIAC ) and the arbitratin will be cnducted in accrdance with the arbitratin rules f the SIAC. Yur DirectAsia.cm Private Rental car insurance plicy is gverned by and interpreted in accrdance with the laws f Singapre and the fllwing legislatin and agreements: Mtr Vehicles (Third-Party Risks and Cmpensatin) Act (Cap 189) f Singapre; Rad Transprt Act 1987 f Malaysia; Mtr Vehicles (Third Party Risks) Rules, 1959 f Malaysia; Agreement between the Minister f Finance f the Republic f Singapre and the Mtr Insurers Bureau f Singapre dated 22 February 1975; Agreement between the Minister f Transprt f the Gvernment f Malaysia and the Mtr Insurers Bureau f West Malaysia dated 15 January 1968; any ther agreements pursuant theret and/r any subsequent revisins f the abve legislatin r agreements. Yu shuld nt start legal prceedings against us unless 60 days have elapsed after prf f lss has been prvided t us in writing in accrdance with the requirements f yur plicy. Our liability under yur plicy is limited slely t the payment f the amunts yu are entitled t receive. We assume n liability fr the availability, quality r results f any service r fr yur failure t btain any treatment r service cvered by the terms f yur plicy. N third party wh has nt agreed t be bund by the terms and cnditins cntained in this DirectAsia.cm Private Rental car insurance plicy shall have any right under the Cntracts (Rights f Third Parties) Act (Cap.53B) t enfrce any f its terms r cnditins. We will nt be bund by any judgments which are nt in the first instance delivered by r btained frm a curt f cmpetent jurisdictin within West Malaysia r Singapre. general A clerical errr by us shall nt invalidate insurance therwise validly in frce nr cntinue insurance nt validly in frce. The headings used in these plicy details d nt affect its interpretatin. ntices All ntices shall be in writing and shall be deemed t have been received: n the same day if delivered by hand r sent by r fa supprted by a cnfirmatin slip; and 2 wrking days frm the date f psting if sent by registered pst t the addressee s last knwn address. 11 > questins and feedback If there is anything abut ur prducts and services that yu wuld like t ask us r if yu want t prvide feedback abut us, please get in tuch with us via ur website by , by phne r in persn at ur ffice at 88 Suth Bridge Rad, Singapre SGPteRentalCarCmpVers1.1:01December

15 12 > definitins Yur DirectAsia.cm Private Rental car insurance plicy gives special meanings t a number f wrds that we use in yur plicy. We have put tgether the fllwing eplanatins t help yu understand what we mean by thse wrds: certificate f insurance is the mst recent certificate that we have given yu. COE means the certificate f entitlement fr yur car. Accident means an event ccurring during the perid f insurance which is sudden and caused by an accident, breakdwn, theft r ther circumstance which results in lss r damage t r in cnnectin with yur car. accessries includes audi and multimedia equipment, persnal in-car cmputers, satellite navigatin and detectin systems prvided they are permanently fitted t yur car and have n independent pwer surce. amendment apprved wrkshp certificate insurance f means an endrsement r ther authrised change t yur plicy. means a wrkshp we have apprved and authrised t repair yur car fllwing a claim. The apprved wrkshps are listed in the certificate f insurance and may be changed by us frm time t time. means yur certificate f insurance shwing, amng ther things, details f yur plicy, infrmatin yu have given us n which we have based ur decisin t insure yu and certain infrmatin that we have used t calculate yur premium. It includes all schedules attached t that certificate. Yur current cvered area DirectAsia.cm / we / us / ur driving eperience ecess licence means we cver yu where yur car is registered in Singapre and is in Singapre. means Direct Asia Insurance (Singapre) Pte. Ltd. means the perid f time that has elapsed frm the date that the relevant class f driving licence was legally btained. imprtant nte: if the relevant licence is r has been suspended r cancelled then the cmmencement date fr the purpses f calculating the perid f driving eperience will cmmence n the date that the relevant driving licence ceases t be suspended r the date n which the licence is reissued, as the case may be. means the amunt that yu are required t pay twards any claim. means a valid, current and legally btained driving licence that authrises and permits the licensee t drive the vehicle the subject f this plicy. SGPteRentalCarCmpVers1.1:01December

16 Limit means the maimum amunt that we will pay yu under a benefit in yur plicy. The amunt f each limit refers t any ne claim r series f claims arising ut f ne event. market value mtr trade means the cst f replacing yur car with ne f the same make and mdel, f similar cnditin, specificatin and age as prevailing immediately befre the accident. means a grup f persns wh carry n the business f distributing, selling, repairing and/r dispsing f mtr cars. named driver means the persn wh (1) is aged between 25 and 65; and (2) has at least 2 r mre years f driving eperience; and (3) has nt had his licence suspended r cancelled in the last 5 years; and (4) is the registered hirer f the vehicle PARF means preferential additinal registratin fee. plicyhlder means the legal and registered wner f the car described n yur certificate f insurance. yu / yur means the persn named as the plicyhlder and includes the persn named as named driver. yur car means the car cvered under yur plicy, as shwn n the certificate f insurance. The plicyhlder must be the legal and registered wner f this car. yur plicy r yur DirectAsia.cm Private Rental car insurance plicy means a cntract between yu and us and cmprises the infrmatin and any declaratins submitted by yu t us, yur certificate f insurance, these plicy details and any ther written change t these dcuments that is advised by us in writing (such as an amendment). SGPteRentalCarCmpVers1.1:01 December2012

17 DirectAsia.cm much mre than just great Private Rental car insurance. call us nw n r g t DirectAsia.cm fr a range f additinal insurances at cmpetitive prices. fast, easy, nline. insurance as it shuld be. Direct Asia Insurance (Singapre) Pte Ltd (Cmpany Reg. N G) [PteRentalCarCmpVers1.1:01December2012] SGPteRentalCarCmpVers1.1:01December