Drive safe on your every trip

USAGE BASED PRIVATE MOTOR

msig.com.sg

MSIG Insurance (Singapore) Pte. Ltd.4 Shenton Way, #21-01 SGX Centre 2Singapore 068807Tel +65 6827 7888, Fax +65 6827 7800Co. Reg. No. 200412212Gmsig.com.sg

ABOUT MSIG INSURANCE

MSIG Insurance (Singapore) Pte. Ltd. (“MSIG Singapore”), a member of the MS&AD Insurance Group, is Singapore’s leading general insurer. With a local presence of over 100 years, MSIG Singapore offers an extensive range of insurance solutions for commercial and personal risk protection, enabling the security and safety of individuals and businesses. Wholly owned by MSIG Holdings (Asia) Pte. Ltd., MSIG Singapore holds an A+/Stable financial rating by Standard & Poor’s.

MS&AD Insurance Group was formed in April 2010 from the business integration of the Mitsui Sumitomo Insurance Group Holdings, Inc., Aioi Insurance Co. Ltd., and Nissay Dowa General Insurance Co., Ltd. Today MS&AD is one of the largest general insurance groups in the world with presence in over 40 countries and regions, 17 of which are in Asia and Oceania. Based in Japan, MS&AD is active in five business domains, namely domestic (Japanese) non-life insurance, domestic (Japanese) life insurance, overseas business, financial services business and risk-related business.

Please refer to msig.com.sg for current information and ratings.

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Usage Based Private Motor

Usage Based Private Motor is the first car insurance in Singapore providing comprehensive protection for your car and rewards good driving behaviours, through a telematics device fitted to the car. You will receive real-time feedback and driving tips for safer motoring.

Call 6827 7661 (Monday to Friday, 8.45 am - 5.30 pm) or call your usual insurance advisor

service@sg.msig-asia.com

KEY BENEFITS

Comprehensive coverage for the car against loss or damage from accidents, liabilities and many other benefits.

Policyholder in the Green and Yellow Drive Score Categories will enjoy waiver of excess and savings on renewal premium.

The MSIG Connected Car Services enables you to: - Locate your car anywhere in Singapore - Monitor your drive trips and driving style - Access the one-push 24/7 Assistance button for Automobile and Medical Assistance Services

Optional covers: - Locate your car when in West Malaysia - Loss of personal effects of up to $1,000 in West Malaysia

Understanding the Excess

Standard Excess:Refers to the excess amount as shown in the policy schedule plus the young and/or inexperienced driver excess if applicable. This excess applies for the first 60 days from the start of the policy.

Effective Standard Excess: The Effective Standard Excess is the Standard Excess adjusted according to the Drive Score Category, based on the 30 days of driving before the accident.

Drive Score Category & Effective Standard Excess

There are 4 Drive Score Categories and the Effective Standard Excess is derived from the respective Drive Score Category.Policyholders in the Green and Yellow categories will enjoy a waiver of Excess as below:

Drive Score Category Effective Standard Excess

Green 100% waiver of Standard Excess

Yellow 50% waiver of Standard Excess

Orange Standard Excess

Red Standard Excess

DAYS

If Samantha’s last 30 days Drive Score was in the red category.Her total Standard Excess is $3,500. As her drive score is in the red category, there is no waiver of Excess.

Samantha pays $3,500 Effective Standard ExcessTotal Excess payable = $3,500

Steven pays $0 Effective Standard ExcessTotal savings on Excess = $3,000

Scenario 2Steven is 26 years old and has been driving for less than two years. His Standard Excess is $3,000.

If Steven’s last 30 days Drive Score was in the green category. His Standard Excess is $0, as he will enjoy 100% waiver of Excess.

DRIVE SCORE

$3,500

$500 Standard Excess + $3,000 Young and/or Inexperiened Driver Excess

DRIVE SCORE

$3,000

$3,000 Standard Excess

Drive Safe, Pay Less

Scenario 1Samantha’s 24 year-old son just got his driver’s license. He drives her car and gets into an accident. In addition to Samantha’s Standard Excess of $500, the Young and/or Inexperienced driver excess of $3,000 applies as the car was driven by her son. (A young and/or Inexperienced driver refers to a driver aged below 27 years old and/or has held a valid driving license of less than 2 years.)

If Samantha’s last 30 days Drive Score was in the green category.Her total Standard Excess is $3,500. In this scenario, not only will she enjoy the 100% waiver of the Standard Excess, the Young and/or Inexperienced driver excess of $3,000 for her son, will also be waived in full.

Samantha pays $0 Effective Standard ExcessTotal savings on Excess = $3,500

DRIVE SCORE

$3,500

$500 Standard Excess + $3,000 Young and/or Inexperiened Driver Excess

Geographical Area: Singapore, West Malaysia and that part of Thailand within 80 kilometres of the border between Thailand and West Malaysia. Notes:1) Cover is subject to an Excess for vehicle damage repairs. 2) 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.

Benefits Summary Limit of Liability

UMax UMax Plus

1. Comprehensive coverage of Insured Vehicle against accidental loss or damage

Market Value of Insured Vehicle at time of loss or damage

2. Liability To Third Parties

Death or bodily injury to any person UnlimitedDamage to property $5,000,000

3. Personal Accident Benefits

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

Up to $10,000 each

Up to $50,000 each

4. Medical Expenses

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

Up to $1,000 each

Up to $1,000 each

5. Choice of workshops for accident repairs to Insured Vehicle

MSIG’s AuthorisedWorkshops

Any workshop

6. 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.

Not Covered $50 per dayUp to 10 days

7. 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

8. WindscreenWindscreen 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

9. Replacement of Car Lock and Keys $250 $500

10. Loss of Personal Effects in Insured Vehicle $500 $800

11. 24 hours Automobile and Medical Assistance Services

Auto Assistance Helpline Services for emergency towing, roadside assistance, vehicle repatriation, accident & police report notification, locksmith referrals and more

Available

Emergency medical evacuation and repatriation of the Policyholder for accidents within the Geographical area (excluding Singapore) in connection with the Insured Vehicle

$50,000

Optional Cover for Vehicle Service in West MalaysiaAdditional premium of $53.50 (including GST)

1. Vehicle Location Service using the MSIG Connected Car app. Covered

2. Loss of personal effects arising from theft or robbery, or break-in to the insured vehicle, of up to $1,000 in West Malaysia for one claim only.

Up to $1,000

Currency: Singapore dollars

Frequently Asked Questions

About the Policy

1. What is Usage Based Private Motor? It is a motor insurance plan that rewards safe drivers with waiver of excess

and premium savings. The policyholder will have to install a telematics device in the car. You can check your driving data from the MSIG Connected Car mobile app or web portal.

2. Who is it for? This plan is suitable for car owners and drivers who wish to drive safe by

taking charge of their driving style and be rewarded for it.

3. How is the score determined? The score is determined by a defined scoring model driven by driving

events such as excessive acceleration, harsh cornering, harsh braking, time of day and distance driven.

4. How do I sign up for this plan? You can buy this insurance at msig.com.sg or through your regular insurance

adviser or broker.

5. If I change my car after the first year, will the renewal premium for my new car be based on the previous year’s drive score?

Your new car will be covered under a new policy. Your previous drive score will not apply to the new policy.

Eligibility

6. Is there a car age limit for this plan? Cover is available to cars under 8 years old at the time of the policy sign-up.

7. Can a Grab driver purchase this plan? Cars used for hire and/or reward are not eligible for cover under

this policy.

8. Can an existing MSIG motor policyholder switch to this plan? Existing motor policyholder can switch to the UMax or UMax Plus plan on policy renewal to avoid mid term cancellation charges under the existing motor policy.

Premiums and Excess

9. How is my premium computed? Your first year premium is based on MSIG’s standard motor premium taking

into account your current No Claim Discount (NCD) entitlement. Your drive score category will be taken into consideration when computing your second year renewal premium.

10. What happens to my No Claim Discount (NCD) entitlement? Your NCD will be accorded based on your no claim record. However, the NCD

will not be used in the calculation of your renewal premium.

Telematics Device

11. Where can I install the device? Please visit our designated VICOM workshops to install the telematics

device. Details of the workshop locations and operating hours can be found in the Motor Infopack sent together with your policy documents. Installation will take about 30 minutes.

12. Do I have to pay for the telematics device or the installation fee?

No. The telematics device and its installation costs are borne by MSIG. The device remains the property of MSIG and must be returned when the insurance is no longer in force. De-installation will be done at the designated VICOM workshops and costs are borne by MSIG.

13. What happens if I do not install the telematics device? Installation of the device forms part of the insurance coverage and the

device must be installed within 30 days from the policy commencement date. If installation is not done, you will not enjoy the waiver of excess in the event of an accident for policyholders in the green and yellow drive score category and the connected car services. All other policy benefits, terms, conditions and exclusions will continue to apply.

14. When should the telematics device be installed after buying the insurance?

Installation can be done at our designated VICOM workshops 3 working days after your policy is issued. The device must be installed within 30 days from the policy commencement date.

15. What are the data collected by the telematics device? The device records your driving data on a per trip basis. Trip data is recorded

from the time you start your car, until the engine is switched off. During the trip, the following data are collected:

• Trip start and end time and date • Distance driven and route taken during the trip • Duration of trip • Speed during trip • How you accelerate, brake and corner

16. What is the size of the device? The dimensions of the device are 54mm x 48mm x 26mm.

17. Where will the device be installed in my car? The telematics device will be inserted to your car’s OBD

(On-board diagnostics) port or mounted on the car battery using wiring and a waterproof sleeve to protect the device. A trained professional at our designated VICOM workshops will assess and advise you which method is most suitable according to the model of your car.

18. Will the telematics device deplete my car battery? No. All devices are designed for ultra-low power consumption of

battery power.

Driving Data

19. What if I share my car with another driver? The telematics device tracks the driving style and behaviour of drivers

using the vehicle. If the vehicle is shared with another Authorised Driver, the scoring and feedback will be based on the drive trips and driving behaviour of the drivers.

20. How will MSIG use the driving data collected? Driving data collected will be used to provide customers with personalised

services on the web portal and mobile app. You can view your trips history up to 6 months in the web portal, receive real-time events notification and feedback to improve your driving habits and more. The data will also be used to compute your drive score for safe drivers to determine if the excess waiver applies at the time of claim. Your drive score will form the basis for your renewal premium. Safe drivers with good drive score stand to enjoy premium savings on renewal.

Mobile App/Web Portal

21. How do I download the application onto my smart phone? Search for “MSIG Connected Car” on the App Store or Google Play Store on

your smartphone. For iPhones, you will require iOS version 8.0 or higher. For Android phones, you will require Android version 4.0 or higher.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation. For more information on the scheme, please visit www.gia.org.sg or www.sdic.org.sg.

This document is not a contract of insurance. 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.

Information correct as at 1 July 2018.