Private Motor
Motor Insurance

Private Motor<br/><sub>Motor Insurance</sub>

Product Description

Covers you and your passengers on the road, and gives you the flexibility of choosing workshops and more.

Key features

  • Comprehensive coverage of insured vehicle against accidental loss or damage.
  • Accident repairs at authorised agent's workshop or at a workshop of your choice.
  • Medical expenses cover for policyholder, authorised driver and/or passenger (up to legal seating capacity).

Plan highlights

Car Loan Protection
MotorMax Plus offers $100,000 worth of car loan benefits to cover any outstanding car loan if the policyholder dies in a car accident.

New for Old Replacement
If your car becomes irreparable after an accident, we will replace it with a brand new one as long as your original car is less than 12 months old.

Transport Allowance
Receive a transport allowance if your car repair takes longer than expected.

Instant Quote
Quick and personalised motor insurance fee quote which you can save and retrieve online within 30 days.

24/7 Helpline
24/7 Helpline

Get help anytime, anywhere with 24-hour roadside assistance for towing, lockout or battery jumpstart services.

Claims Made Easy
Claims Made Easy

Wherever possible, you deal with only one motor insurance claims specialist throughout your case. Rest assured that we will come to your aid even in third-party liability claims.

Quicker Repair Approval
Quicker Repair Approval

Faster approval now for simple repairs! With MSIG’s Video Interaction Technology, our surveyors can assess and approve your car repairs virtually. Watch to learn more.

Customer reviews

Fast windscreen claim
Made a claim through their windscreen authorized workshop and was impressed that the claim was looked into and processed within the same day. I was able to get my windscreen replacement the very next day. Thank you.
by KS T. via via Google Reviews
1st rate service
Kudos to MSIG for the way they handled my son's accident claim! Post-incident, MSIG contacted the other party to clarify the matter before providing advice on options for the next steps. The claims matter was closed quickly and efficiently within the week to the satisfaction of this very happy customer! Thank you, MSIG!
by Simlim Y. via via Google reviews
Excellent service standard
I sent my car to the workshop to repair the damaged windscreen. The technical adviser advised me that it will probably take about 3 days for MSIG to review and authorise the repair. But I was extremely delighted and impressed by the motor claims team in MSIG who responded and approved the repair within the same day. I am a very happy customer. Well done and keep up the excellent service standard.
by Alice R. via via Google Reviews

Plan details

Basic Cover
Coverage Limits of Liability
MotorMax MotorMax Plus


Comprehensive Coverage of Insured Vehicle against accidental loss or damage

Market Value of Insured Vehicle at time of loss or damage


Liability to Third Parties


Death or bodily injury to any person

Damage to property $5,000,000


Personal Accident Benefits



$20,000 $100,000
Authorised Driver and/or passenger (up to legal seating capacity) $10,000 each $50,000 each


Medical Expenses



Up to $1,000
Authorised Driver and/or passenger (up to legal seating capacity) Up to $1,000 each


Choice of Workshop for accident repairs to Insured Vehicle

MSIG's authorised 
Any workshops


Transport allowance while the Insured Vehicle undergoes repairs following accident damage if the approved repair period is more than 3 days. Where this benefit applies, cover starts from the first day of repair. Please refer to the illustration in FAQ No. 7.

Not Covered $50 per day
Max 10 days


New for Old Replacement (High performance, sports makes and high value vehicles excluded)
Replaces with a new vehicle of the same make, model and engine capacity up to $100,000 above the market value of the Insured Vehicle at the time of a Total Loss or Constructive Total Loss occurring within 12 months of its first registration, or pays for the difference. This benefit does not cover losses caused by flood, theft or robbery of the Insured Vehicle.

Not Covered Covered


Loan Protection Benefits

Pays the outstanding loan amount in respect of the Insured Vehicle following accidental death of the Policyholder in direct connection with the Insured Vehicle.

Not Covered Up to $100,000



Windscreen Cover due to breakage, subject to excess of $100 for each claim.
Excess will be waived where repair to the windscreen is done instead of a replacement.

Auto reinstatement


24-hour Automobile and Medical Assistance Services

Auto Assistance Helpline Services such as emergency towing, roadside assistance, vehicle repatriation, accident & police report notification, locksmith referral and many more

Emergency medical evacuation and repatriation of the Policyholder for accidents within the Geographical area (excluding Singapore) in connection with the Insured Vehicle $50,000
Important Notes:

Geographical Area:
Singapore, West Malaysia and the part of Thailand within 80 kilometres of the border between Thailand and West Malaysia.

Cover is subject to an Excess for vehicle damage repairs.

An additional Young and/or Inexperienced Driver Excess of $3,000 applies for any person (other than Policyholder) who is under 27 years old and/or has held a valid driving licence for 2 years or less.

No. Questions & Answers

What is the Young and/or Inexperienced Driver Excess?

This Excess (the first amount of any claim to be borne by you) applies in respect of a claim for loss or damage when the Insured Vehicle is driven by any person (other than the Policyholder) who is under 27 years old and/or has held a valid driving licence for 2 years or less. This Excess is payable on top of the regular vehicle standard policy Excess.


What is the Market Value, and how is this determined?

This is the assessed value of the Insured Vehicle at the time of the accident, arrived at by comparing retail prices for vehicles of the same make, model, age and condition.


What is the No-Claim Discount (NCD) Protector, and how does it work?

The NCD Protector is an optional benefit and is available only to 30% NCD holders or higher at an additional premium. It protects your NCD entitlement in the event of a first claim in the policy year. See illustration below on how it works:

No. of claims made or arisen during the Period of Insurance NCD at the inception date of this policy
30% 40% 50%
0 40% 50% 50%
1 30% 40% 50%
2 0% 10% 20%
3 or more 0% 0% 0%
Important notes of the NCD Protector benefit:
  1. Not transferable to another insurer. You need to renew with us to enjoy this benefit.
  2. Not available where the loss of NCD is due to non or late reporting of accidents;
  3. Does not protect against non-renewal or cancellation of the policy.

Do I have to reinstate my windscreen cover after a claim? Will my NCD be affected?

The windscreen benefit covers the cost of reinstating any glass in the windscreen and windows, including the in-vehicle unit (IU) subject to an Excess of S$100 for each claim. The Excess will be waived where repair to the windscreen is done instead of replacement. Such claims do not affect your NCD entitlement, and your windscreen cover will be automatically reinstated at no cost to you.


I read about damage to vehicles by falling trees, flooding and fires by arsonists. Can I claim for such damages?

MotorMax and MotorMax Plus cover damage caused by accidents, fire and theft, including falling trees and flood-related damages. Malicious damage caused by unknown persons is also covered.


Can I choose my preferred workshop for accident repairs?

MotorMax Plus gives you the freedom to choose your own workshop, including the manufacturer’s agent’s workshop in Singapore. With MotorMax, accident damage repairs will have to be done at any of MSIG’s authorised workshops conveniently located all around Singapore.


How does the Transport Allowance Benefit work?

The benefit of S$50 per day is payable if the period of the approved accident repairs to the Insured Vehicle is more than 3 days. Payment starts from the first day of such repair up to a maximum of 10 days. Below is an illustration of the benefit computation:

Period of repair Benefit payable
3 days or less Not covered
5 days Pays 5 days x $50 = $250
14 days Pays 10 days x $50 = $500

What should I do if I meet with a motor accident?

You may e-file the accident report through MSIG’s authorised workshops within 24 hours or the next working day of the accident. With effect from 15 February 2021, all IDAC (Independent Damage Assessment Centre) will cease its accident reporting services for MSIG. 

If there is an injury to any person, please call the police immediately. Do not admit or discuss liability. Please take pictures of the damages of all vehicles, and the accident scene and record details of witnesses, if any.

Important Notice & Disclaimers

This page is for general information only. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG Insurance (Singapore) Pte Ltd.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us here or visit GIA or SDIC.

Insurance Promotion


11.11 Singles' Day Sale

Enjoy up to 30% off and redeem up to $150 vouchers on selected plans! T&Cs apply.

Offer ends on 11 November 2021

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