Life Insurance Agents generally earn more when they seal a deal i.e. as high as 60% of your premium paid. On the other hand, General Insurance Agent merely profit 10%-15% from a case they closed.With the above, Life Insurance Agents usually focus on soliciting Life, Saving, Investment Link, Endowmen...

Depending on the severity of the accident, a claim process may take as long as up to 1 year for settlement. Repairing your car may only take up to 5 days for normal bumper to bumper accident; the entire claim process should take no more than 3 month for settlement. Modified cars, chain accidents, si...

Autoshield has served more than ten thousand drivers in Singapore. Our official Facebook Page has achieved hundreds of positive reviews on our service. While we are not affiliated to Uber, we are the only Local Insurance Agency listed in Uber’s site as their Preferred Insurance Partner. You should...

Your vehicle insurance policy will be cancelled after the insurer has served you the final payment reminder later or 30 days from non-payment, whichever is earlier. Upon cancellation, your vehicle insurance coverage will cease, and you are disallowed by law to drive your vehicle on Singapore’s roa...

A vehicle with front bumper hitting a third party i.e. another vehicle, pedestrian or any other third party’s asset is commonly being assessed to be the party at fault. A side collusion i.e. brushing of vehicle’s door against another vehicle’s door will be awarded a 50%-50% claim entitlement. ...

In most cases, the personal vehicle insurance has to be insured under the vehicle owner’s name. Some young and/or inexperienced drivers may get their parent to obtain a loan for their vehicle and insure the vehicle under their parent’s name. Unless their parent uses the vehicle more frequently t...

Regardless of how experienced your main driver is, always remember that insurance companies will provide the quote based on the driver with the higher risk profile. This means that when you include a young or inexperienced driver as your named driver, your premium will increase. If the named driver ...

Buying from Autoshield saves you the cumbersome process of obtaining quotes from different insurers. The process is a chore when you have to provide the same set of information to different insurers repetitively. The comparison may takes up to 1 week to compile since different insurer has different ...

You may not get the cheapest quotes from the online-compare websites because these sites are normally setup by non-General Insurance Certified Individuals who may not be able to provide sound advices to consumers. Auto / Vehicle / Car Insurance (whatever term we call it) is a complicated product esp...

Different Insurer has different views and hence may issue different Z10 policy. Some insurers issue Z10 policy as per private jacket (i.e. NCD entitlement up to 50%), while some issued under commercial jacket (i.e. NCD entitlement up to 20%). A handful of them issue Z10 policy under scheme i.e. a fl...

After you have purchased and registered a car with an insurance coverage under your name, you are entitled to No Claim Discount (NCD). If you have never had a vehicle insurance under your name, your NCD will automatically start from 0%. Upon each and every renewal, you will be entitled to an additio...

It is mandated by Land Transport Authority (LTA) in Singapore that when an individual/ company purchased a vehicle, he must purchase insurance for the vehicle. Regulators have setup a few check points to ensure that you have a valid insurance. For example, one must have a valid insurance coverage in...

Getting vehicle insurance in Singapore may be a chore if you are unfamiliar with how the insurers work out their quotations. Every insurer has an internal scorecard developed to manage their risk appetite to ensure they have a balanced and profitable portfolio. The scorecard changes quarterly, semi-...

If you have decided to give up driving as a private hire, you are advised to get P10 insurance for your car upon converting your vehicle’s log card back to private car insurance. All, if not most insurers will have their standard refund/ cancellation schedule stated clearly in the policy. Pro-rati...

When you are at fault for an accident or you have lost control of the car that resulted to the accident, you will probably be considering whether to claim from your own insurance policy. Remember to work out your sums before making a sound decision. When a claim is successful, your NCD will be affec...

While this is equally frustrating as claiming against your own insurance, the claim against 3rd party when they are at fault allows you to claim for replacement car, repair your vehicle at your trusted workshop and loss of income (if any). You do not have to repair your car at their policy list of a...

Non-authorised workshop plan commonly known as any workshop plan applies only to comprehensive vehicle insurance plan. In any of the situation such as your vehicle is under agent’s warranty, you are driving an exotic model, you own a high value performance vehicle, you are extremely particular abo...

1. Front and back collusion If your vehicle knocked onto the front vehicle, you will be at the losing end in most instances unless you are able to provide evidence (such as dash cam with video or eye witness (es) to prove that the vehicle in front is “playing braking game”. The main reason why [...

Typically, a straightforward case takes 2-3 weeks to repair your car and up to 6 months to sign the discharge letter for concluding the case. However when it involves high claim amount i.e. total loss, body injuries/ death, traffic offence or ambiguous findings observed by the claim surveyors, the c...

Personal information (age, driving experience, occupation, marital status), type of car (saloon, coupe, cabriolet, sports, mpv, suv, engine capacity), plan (off-peak, comprehensive, 2nd party, 3rd party insurance) and market value (applicable mainly for super cars) will affect your insurance premium...

If we may put it bluntly, if you are feeling that it is a scam for paying a couple of hundreds a year for your car insurance coverage, you are not ready to own a car in Singapore. This amount is relatively affordable amidst the overall cost of owning a vehicle such as Certificate of […]...

Accurate at the point of this article, NTUC Income covers 1 out of every 4 vehicles on Singapore’s road. They are the number 1 motor insurance provider in Singapore. Autoshield is proud to be their partnered distributor for their Car / Uber / Grab / Fleet / Motorcycle / All Other Commercial Vehicl...