Your DirectAsia third party only car insurance policy details

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1 Yur DirectAsia third party nly car insurance plicy details Thank yu fr chsing DirectAsia third party nly 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

2 cntents 1 yur DirectAsia third party nly 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 third party nly car insurance up t date 10 custmer care 11 questins and feedback 12 definitins 2

3 1 > yur DirectAsia third party nly car insurance plicy Yur DirectAsia third party nly car insurance plicy tells yu what yu need t knw abut yur car insurance. We eplain yur DirectAsia third party nly car insurance, what happens if yu have t make a claim and what yu need t d when yu insure with DirectAsia. 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 third party nly 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 third party nly 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 third party nly 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 third party nly 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 specified in yur plicy schedule and cntinue fr the perid f cver specified n yur plicy schedule, ending at 23:59 standard Singapre time n the last day f the perid f cver. 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, t renew 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 hnestly, crrectly and cmpletely the questins we ask abut:

4 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 third party nly car insurance plicy. As a cnditin precedent t any liability f us t make payment under yur plicy, yu must : cmply with all f the terms and cnditins in yur DirectAsia third party nly car insurance plicy; cmply with any amendments t yur DirectAsia third party nly car insurance plicy; cmply with all f the terms and cnditins set ut n r in ur DirectAsia.cm website and which are and shall be deemed t be incrprated by reference in these plicy details; and ensure the truth and accuracy f all statements and answers made in yur applicatin fr yur plicy. at renewal In rder t ffer yu cntinued cver n yur plicy, we may renew yur plicy autmatically at the premium and n the terms determined by us. Yu shuld be aware that we can nly cnsider autmatic renewal when: yu have made us aware f and we have accepted any changes t yur plicy details; the credit card details given t us by yu have nt changed; and there are n utstanding payments r ther breaches f yur plicy. Unless we hear t the cntrary, we are entitled t assume that the details prvided by yu t us have nt changed and that yu have the cnsent f the credit card hlder. We may then autmatically debit the credit card we have n file with the renewal premium. Yu may pt ut f autmatic renewal at any time by writing t us at least 30 days befre the epiry f yur plicy. 4 PPF Statement Yur DirectAsia third party nly 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 third party nly 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 liability t ther peple and ther peple s prperty and ptinal benefits Fr yur cre cvers under the sectin liability t ther peple and ther peple s prperty and all ptinal benefits under yur DirectAsia third party nly car insurance plicy, we will cver yu where yur car is registered in Singapre and is being driven in Singapre, West Malaysia (including Penang and the ther Malaysian islands ffshre f West Malaysia) and Suthern Thailand (being that part f Thailand which is within 80 kilmetres f the brder between Suthern Thailand and West Malaysia). We als cver yu when yur car is crssing the straits between Singapre and Tanjng Belungkr, Jhr and when yu crss the straits between West Malaysia and the Malaysian islands ffshre f West Malaysia. cverage fr yur car DirectAsia third party nly car insurance gives yu the chice t select the gegraphical limit f yur cre cvers under the sectin cverage fr yur car f these plicy details. The gegraphical limit selected will be stated n yur plicy schedule. Where yu have selected the Singapre, Malaysia and Thailand gegraphical limit, we will cver yu where yur car is registered in Singapre and is being driven in Singapre, West Malaysia (including Penang and the ther Malaysian islands ffshre f West Malaysia) and Suthern Thailand

5 (being that part f Thailand which is within 80 kilmetres f the brder between Suthern Thailand and West Malaysia). We als cver yu when yur car is crssing the straits between Singapre and Tanjng Belungkr, Jhr and when yu crss the straits between West Malaysia and the Malaysian islands ffshre f West Malaysia. Where yu have selected the Singapre nly gegraphical limit, we will cver yu where yur car is registered in Singapre and is being driven in Singapre nly. The applicable gegraphical limit fr the respective cvers set ut abve and stated n yur plicy schedule is what we call the cvered area. 3 > yur benefits yur plicy cver Yur final plicy cver is subject t the things that we d nt cver as described in these plicy details. In additin t ur cre cver described belw, there are a number f ptinal benefits which yu can chse t take. These are als described belw. The ptinal benefits described in yur plicy will nly cver yu if yu have selected and paid fr them and they are shwn n yur plicy schedule. 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 ntes Yur DirectAsia third party nly car insurance plicy nly cvers: yu, the plicyhlder; the main driver (if the plicyhlder is nt the main driver) wh must be aged 70 and belw with at least 2 years valid 5 driving licence in the perid immediately preceding the date f yur plicy; and the drivers cvered under the driver plan yu have selected fr yur plicy. Yur plicy des nt cver: any named/authrised driver driving withut a licence; any named/authrised driver wh was invlved in 2 r mre at fault accidents n this r ther cars at any time in the 3 years immediately preceding the date f yur plicy; any named/authrised driver whse licence has been suspended r cancelled at any time in the 5 years immediately preceding the date f yur plicy; and any named/authrised driver wh has been refused r declined insurance r wh has had insurance terminated r cancelled in each case at any time in the last 3 years immediately preceding the date f yur plicy. Yu must tell us the identity f the main driver truthfully and accurately, as this is imprtant infrmatin n which we decide whether and n what terms t insure yu. If yu d nt prvide this infrmatin truthfully and accurately, yur claim culd be reduced r refused (either ttally r in part). We may als cancel yur plicy and treat yur plicy as never having eisted. select the driver plan fr yur car When yu purchase yur DirectAsia third party nly car insurance plicy, yu will be able t select yur preferred driver plan fr yur car as fllws: Driver Plan Drivers cvered value the main driver and up t 4 ther drivers wh must be named n yur plicy schedule and/r certificate f insurance, 2 f which can be yung and/r ineperienced drivers.

6 value plus fleible the main driver and any authrised drivers wh are aged 30 years and abve and wh hld a valid driving licence fr at least 2 years in the perid immediately preceding the date f yur plicy. In additin, yu can als name up t 2 ther yung and/r ineperienced drivers. Only yung and/r ineperienced drivers wh are named n yur plicy schedule and/r certificate f insurance will be cvered. any authrised drivers are cvered. There is n need t name any drivers. select the type f use fr yur car When yu purchase yur DirectAsia third party nly car insurance plicy, yu will be able t select the type f usage fr yur car as fllws: Usage Descriptin ff-peak yu drive a Singapre registered car with a red r ff peak registratin number plate. private + business use in additin t the uses permitted under private use + cmmuting t wrk, yu als use yur car fr and during the curse f yur wrk. As part f yur DirectAsia third party nly car insurance plicy, we will allw yu t use yur car utside f yur declared usage up t a maimum f 5 times per year. The nly cnditin we impse is that yu must infrm us by at CarUsage@DirectAsia.cm r in writing prir t that ther usage ccurring. Yu will nly be cvered under yur DirectAsia third party nly car insurance plicy when yur car is being used in accrdance with the type f usage selected by yu and declared t us. In these plicy details we call this yur declared usage. If yu want t change yur declared usage at any time during the perid f insurance, yu have t tell us immediately s that we can decide if we will make the necessary change and if we d, we may amend any terms and cnditins f yur plicy and recalculate the premium required t be paid by yu. If yur car is invlved in an accident and yu did nt infrm us that yu are using it utside f yur crrectly declared usage (allwed up t 5 times per plicy year), yu will be required t pay an additinal ecess f $1,500 fr any type f claim. private use private use + cmmuting t wrk fr private r leisure use nly. Yu d nt use yur car t cmmute t r frm wrk r fr any business visits r business appintments but yu may use yur car t send yur children t schl r fr any ther daily rutine which is nt wrk related. fr private r leisure use and cmmute t r frm wrk. Yu d nt use yur car fr any business visits r business appintments but yu may use yur car during lunch time t meet with business clleagues. If yu have nt hnestly declared t us the type f usage that yu will r d make f yur car then withut in any way affecting any ther rights we might have and if yur car is invlved in an accident then any claim that yu make will be reduced by us in ur sle discretin by the same percentage prprtin as is represented by the percentage difference between the premium actually paid by yu fr this plicy and the premium that shuld have been paid by yu had yu hnestly declared t us the crrect usage fr the car. yur available cre DirectAsia third party nly car insurance cvers Described belw are details f the cre DirectAsia insurance cvers that a DirectAsia third party nly car insurance plicy will prvide yu. 6

7 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. 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 yu r by any authrised driver causes injury r death t a third party, we will cver yu r the authrised 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 yu, yur authrised driver r any ther persn. We d nt cver: any claims fr death r injury sustained by yu while driving yur car r sustained by yur authrised driver while driving yur car; and/r any claims fr death r injury sustained by any persn emplyed by yu r yur authrised driver if such death r injury arises ut f and/r in the curse f such emplyment. damage t anther persn s prperty third party prperty damage We will cver yu t a maimum amunt f five millin dllars ($5,000,000) inclusive f all csts (including legal csts) if: yu damage 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. 7 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 which is damaged as a result f a cllisin arising ut f the use f yur car whether driven by yu r any ther persn. 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 any authrised driver cvered by yur plicy against any criminal charges that may be brught against yu. 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 an authrised r named driver where yu r that authrised 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. DirectAsia third party nly car insurance cver - yur ptinal benefits DirectAsia third party nly car insurance gives yu the chice t add etra insurance cver t the cre car insurance we have described abve. These ptinal benefits are described belw and are subject t payment by yu f yur premium and t any limits and ecesses that are detailed n yur plicy schedule. These ptinal benefits are nly applicable t yu if they are stated n yur plicy schedule. my camera If yu take ur my camera discunt yu must install and keep installed an in-car camera in a

8 manner and f a type and quality acceptable t us. Yu must keep this camera in gd wrking rder and cnditin during the term f yur plicy. Fr yu t btain the benefits under this cver, yu are required t prvide us n demand with the relevant phtgraphic recrd and vide f any accident that yur car is invlved in. If yu d nt d this r unless we in ur sle pinin determine that there was a camera r recrding fault beynd yur cntrl, yu must pay us $1,500 by way f additinal ecess fr any claims made by yu in respect f any such accident. medical epenses If yu take ur medical epenses cver and if yu (r any authrised driver) and/r any passenger f yur car suffers any injury as a result f an accident while yu r any authrised driver was driving yur car, we will pay the reasnable medical epenses incurred by that persn up t a maimum amunt f $500 per persn per accident. There is ne main requirement and that is that the injury must be a direct and immediate result f the accident invlving yur car. Payment by us f these medical epenses will nt affect yur n claim discunt and n ecess will be payable by yu. persnal accident If yu take ur persnal accident cver and yur car is invlved in an accident we will, subject t the limits described belw, pay the authrised driver f yur car (r yu if yu were driving yur car) at the time f the accident: fr his death resulting frm that accident; r fr any injury sustained by him resulting frm that accident. There are limits n what we will pay fr death r injury. These limits are the percentages described in the table belw multiplied by the amunt shwn n yur plicy schedule. physical disability r death by injury cmpensatin - epressed as a percentage f the stated limit as shwn n yur plicy schedule death 100% ttal and permanent lss f all sight in: bth eyes ne eye lss by physical severance at r abve the wrist r ankle f: bth hands ne hand bth feet ne ft ne hand and ne ft lss f sight tgether with hand r ft: ttal and permanent lss f sight in ne eye tgether with the ttal lss by physical severance f ne hand (at r abve the wrist) r ne ft (at r abve the ankle) maimum amunt payable in a perid f insurance 100% 50% 100% 50% 100% 50% 100% 100% 100% If mre than ne f the injuries r disabilities listed in the abve table is suffered in the same accident, we will pay the aggregate f all amunts payable up t the maimum amunt shwn n yur plicy schedule. 8

9 Once we pay yu under this persnal accident ptinal benefit cver, we d nt and will nt have any further liability t the persn driving yur car at the time f the accident, t yu, t any authrised driver r t the relevant legal persnal representative f that driver, yu r f any authrised driver. There are eclusins that yur DirectAsia third party nly car insurance des nt cver under this persnal accident ptinal benefit cver. These eclusins apply if the injury r death: is caused by reasns ther than the accident invlving yur car; r ccurs mre than 3 calendar mnths after the accident; r arises directly r indirectly ut f intentinal self injury, suicide, attempted suicide, physical r mental defect r infirmity; r ccurs where yu (r the authrised driver) were under the influence f drugs r alchl (whether r nt belw any prescribed legal limits). Payment by us f a persnal accident claim under this cver will nt affect yur n claim discunt and n ecess will be payable by yu. n claim discunt prtectin This n claim discunt prtectin cver is nly available t yu if yur current n claim discunt is at 50% and yu have a third party nly car insurance plicy with us. If yu take ur n claim discunt prtectin cver, we will allw yu t keep yur current 50% n claim discunt under yur plicy if yu make n mre than ne claim within the term f yur plicy. If yu make mre than ne claim within the term f yur plicy, then yur n claim discunt will be affected. Please read sectin 7 f these plicy details fr further details f yur n claim discunt. 4 > what we d nt cver As mentined in sectin 3, there are additinal things that yur DirectAsia third party nly car insurance plicy des nt cver. damage t yur wn car We d nt cver yu fr any lss f r damage t yur wn car. 9 fraudulent r false claims We will nt pay a claim which is in any part fraudulent, false, eaggerated r if yu 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, authrised drivers r passengers f yur car if it was being driven by r in the cntrl f any persn, including yu, 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, authrised drivers 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; 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;

10 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 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. driving ther cars We d nt cver yu when yu are driving anther persn s car at the time f the accident. general eclusins These are general eclusins that apply t yur DirectAsia third party nly 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; 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 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 10

11 radiactive agents, weapns r materials; lss r damage caused when driving yur car after receiving medical advice that yur ability (r that f any authrised 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 third party nly car insurance plicy, we will call each such amunt yur plicy ecess. If yur claim is fr mre than ne accident r lss, the ecess applicable t each such accident r lss will apply. These amunts are cumulative and the ttal cumulative ecess is payable by yu. In brief, the types f plicy ecess that might apply t yu are: type f ecess declared usage when it applies and when yu have t pay This is the amunt that yu have t pay if yur car is invlved in an accident while being driven fr a purpse ther than the declared usage. The amunt payable is $1,500 fr any type f claim. my camera this is the amunt yu have t pay if yu d nt prvide us n demand with the relevant phtgraphic recrd and vide f any accident that yur car is invlved in unless we in ur sle pinin determine that there is a camera r recrding fault beynd yur cntrl. The amunt f this ecess is $1,500. The declared usage and my camera ecess amunts are cumulative. 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, yur n claim discunt may be affected as utlined in sectin 7. 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 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. 11

12 what yu have t d If an accident r lss ccurs that might lead t a claim being made under yur DirectAsia third party nly 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; reprt the accident (if required) r lss t the plice in the cuntry where the accident r lss ccurs within 24 hurs f the ccurrence f such accident r lss; 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 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 in the event f an accident; admit fault r liability t anyne else r negtiate, pay r settle a claim with anyne else; d anything that may limit ur right t claim the mney that we paid ut n yur claim frm the persn respnsible fr the lss, damage r injury. 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 12 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 in the event we are legally bliged t make any payments due t an accident, even thugh the accident under DirectAsia plicy terms and cnditins is nt admissible, we have the right t recver such payment frm yu r any persn wh is respnsible fr the lss, damage r injury. 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. 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. This des nt apply t persnal accident benefits. 7 > discunt n premium - yur n claim discunt A n claim discunt is a discunt that we will prvide n yur DirectAsia third party nly car insurance premium if n claim under yur plicy has been made in a previus perid r previus perids f yur car insurance. The amunt f yur n claim discunt will be shwn n yur certificate f insurance and yur plicy schedule. yur discunt Prvided yu have been insured with us fr the last 12 mnths, the premium discunt that yu will be entitled t fr the net perid f insurance if n claim has ccurred n yur DirectAsia third party nly car insurance plicy (r ther insurer s plicy that is acceptable t us) is as fllws:

13 n claims fr: yur n claim discunt is ne year 10% tw cnsecutive years 20% three cnsecutive years 30% fur cnsecutive years 40% five r mre cnsecutive years 50% reductin in yur n claim discunt withut the ptinal n claim discunt prtectin cver Where an accident is partly r entirely yur fault, an autmatic reductin in yur n claim discunt will apply if yu have nt selected ur ptinal etra n claim discunt prtectin cver. Yur n claim discunt will be reduced as described in the table belw: if ne r mre claims have been made by/against yu during the same perid f insurance; and where that claim r thse claims resulted frm accidents that were partly r entirely yur fault: withut the ptinal n claim discunt prtectin cver yur current n claim discunt yur reduced n claim discunt 1 at fault claim 2 r mre at fault claims 50% 20% 0% 40% 10% 0% 0-30% 0% 0% if yu have selected the ptinal n claim discunt prtectin cver If yu have selected ur ptinal etra n claim discunt prtectin cver, prvided yu maintain yur third party nly car insurance plicy with us yur 50% n claim discunt will nly be reduced as described in the table belw: if ne r mre claims have been made by/against yu during the same perid f insurance; and 13 where that claim r thse claims resulted frm accidents that were partly r entirely yur fault: If yu have selected the ptinal n claim discunt prtectin cver yur current n claim discunt yur reduced n claim discunt 1 at fault claim 2 at fault claims 3 r mre at fault claims 50% 50% 20% 0% Please nte that yur 50% n claim discunt that is maintained at 50% under ur n claim discunt prtectin cver may nt be transferable t anther insurer. if yu d nt reprt an accident If yu d nt reprt an accident t us within 24 hurs r by the net wrking day and/r d nt prvide yur car t us fr inspectin in accrdance with the terms f the Mtr Claims Framewrk, we may reduce yur n claim discunt upn renewal f yur plicy by an additinal 10%. n transfer f yur n claim discunt Yur n claim discunt is nt transferable t any ther persn. yur n claim discunt applies t nly ne car Yur n claim discunt applies t nly ne car at any ne time. 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

14 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 third party nly 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, renew, 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 in gd, efficient and radwrthy cnditin and take reasnable care t safeguard it frm lss r damage; allw us free and full access t eamine yur car r any part f it and interview any f yur authrised drivers; in the event f an accident r breakdwn, yur car must nt be left unattended; 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 by the due date specified in the relevant cnfirmatin sent by us t yu. Where yu are paying yur premium in full, then 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. Where yu are permitted t pay yur premium by instalment payments, then if tw r mre required instalment payments are nt paid and received in full by us n r befre the specified due date,, the balance instalment payments shall be payable in full. If n payment is made, the plicy may be deemed t be cancelled and n benefits will be payable by us. Any premium payment received after the specified due date shall have n effect n the cancellatin f yur plicy. All payments fr any insurance prducts, renewals, 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 r renewal f the applicable insurance plicy r service. Yu must therefre prvide t us thrugh ur website, 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. 14

15 reimbursements Yu must pay r reimburse 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 third party nly car insurance up t date If there is a material change in yur circumstances, then yu must tell us immediately. We may calculate any difference in premium frm the date yur circumstances changed even if this happened in a previus perid f insurance. 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 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. If the accepted change reduces yur premium, we will refund the difference wing t yu, prvided that such difference eceeds $10. If the accepted change increases yur premium, yu will need t pay us the additinal premium, prvided that such additinal premium eceeds $ 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. cancellatin f yur plicy and refunds Bth yu and we have the right t cancel yur DirectAsia third party nly car insurance plicy at any time by giving the ther 7 days ntice. The effective date f cancellatin will be based n the date the ther party is infrmed in writing f the cancellatin. On cancellatin, we will agree t refund a prprtinate part f the premium yu have paid fr the unepired perid f insurance less a cancellatin fee f $90 (inclusive f GST) and 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. We will wrk ut any refund f premium as fllws: Premium the unepired perid f insurance (days) / the riginal perid f insurance (days) applicable cancellatin fee 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. We will nt refund any premium and if yu are paying in instalments, yu must pay us the balance premium if n r befre cancellatin f

16 the plicy any ne r mre f the fllwing has ccurred: an accident r a claim has been reprted. we have paid a claim. the certificate f insurance has nt been returned. yu we us any mney. 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 third party nly car insurance plicy then in additin t any ther f ur rights, yu must pay t us n demand an administratin fee f $100 (subject t applicable 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 third party nly 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. 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 third party nly car 16 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 shall 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 third party nly 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 third party nly car insurance plicy

17 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. ur website On ur website, yu can make certain transactins nline. This may be purchasing yur plicy, administering yur plicy, making a renewal payment r ther transactins. These transactins will nt be final until we receive and prcess yur cnfirmatin. Yur cnfirmatin means any cmmunicatin issued r transmitted by yu t us via ur website r ther electrnic means (including yur ffer t purchase r yur cnfirmatin f payment). It is yur respnsibility t infrm us f any change t yur address. It is als yur respnsibility t keep yur accunt active and capable f receiving new s. We are nt respnsible fr s sent t an inactive r ut f date accunt, unless we are slely negligent fr using an incrrect address. Yur cnfirmatin f payment may nt be received by us fr reasns including mechanical, sftware, cmputer, telecmmunicatins r electrnic failure, r the missin r failure f ther prviders r systems which are utside the cntrl f either party. Yu acknwledge that t the etent permitted by law, we are nt liable t yu in any way fr lss r damage, hwever caused, directly r indirectly, in cnnectin with the transmissin f an electrnic instructin thrugh ur website r any failure t receive an electrnic instructin fr any reasn. The credit card details that yu prvide t us may be retained after payment is made. Any refund we prvide t yu fr any prduct yu have purchased by credit card will be made back t the credit card accunt used t make the initial purchase unless therwise agreed. We may refuse r decline t prcess a transactin at any time and fr any reasn. We will nt be liable t yu r t any third party if we d this ecept where it cnstitutes a breach f yur plicy. We will als nt be liable t yu r t any third party fr any failure t prcess a transactin that is beynd ur cntrl. 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 > definitins Yur DirectAsia third party nly 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: accident amendment 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. means an endrsement r ther authrised change t yur plicy. 17

18 authrised driver certificate f insurance COE means any driver wh has yur permissin t drive yur car and wh is cvered under the selected driver plan shwn n yur plicy schedule. This persn must (1) have a valid driving licence t drive yur car and must nt have been suspended r disqualified frm driving at any time in the last 5 years; (2) nt have been refused r declined insurance r had insurance terminated r cancelled at any time in the last 3 years; and (3) nt have been invlved in 2 r mre at fault accidents n this r ther cars in the last 3 years. 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 certificate f insurance is the mst recent certificate that we have given yu. means the certificate f entitlement fr yur car. ecess licence 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 that is the subject f this plicy. 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. main driver mtr trade means the persn wh mst frequently drives yur car and wh (1) is aged 70 and belw; and (2) hlds a driving licence fr at least 2 years in the perid immediately preceding the date f yur plicy; and (3) has n licence suspended r cancelled in the last 5 years; and (4) has nt been refused insurance r had it terminated in the last 3 years. means a grup f persns wh carry n the business f distributing, selling, repairing and/r dispsing f mtr cars. cvered area means the gegraphical limit f yur cver as stated n yur plicy schedule and eplained in sectin 2 f these plicy details. named driver means a driver wh has been named as a named driver n yur plicy schedule and/r certificate f insurance. Imprtant nte: DirectAsia / we / us / ur means Direct Asia Insurance (Singapre) Pte. Ltd. Fr value r value plus plans, yu can name up t 4 drivers, f which a maimum f 2 can be yung and/ r ineperienced drivers. 18

19 PARF means preferential additinal registratin fee. plicyhlder means the legal and registered wner f the car described n yur certificate f insurance. 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. yu / yur yung and/r ineperienced driver means the persn named as the plicyhlder and includes the persn r persns named as the main driver and/r named drivers and all ther authrised drivers. means a driver wh: (1) is belw the age f 30; and/r (2) hlds a driving licence fr less than 2 years in the perid immediately preceding the date f yur plicy. yur plicy r yur DirectAsia third party nly 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). Imprtant nte: Fr value r value plus plans, yur plicy cvers nly up t tw yung and/r ineperienced drivers wh must be named in the plicy schedule and/r certificate f insurance. The plicy des nt cver any ineperienced driver wh is unnamed in the plicy schedule and/r certificate f insurance r any driver wh is belw the age f 30 wh is unnamed in the plicy schedule and/r certificate f insurance. 19

20 DirectAsia much mre than just great third party nly car insurance. call us nw n r g t fr a range f additinal insurances at cmpetitive prices. Direct Asia Insurance (Singapre) Pte Ltd (Cmpany Reg. N G) [cartpovers5.1:16 Oct 2015] 20