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Car Protect360

Enjoy 25% discount + $100 NETS Motoring Card!

 High Personal Accident Coverage up to $20,000
 Daily Transport Allowance up to $1,000
 Car Accident repairs excess if halved if repairs are carried out at HL Assurance Approved Workshop

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Car Protect360 Benefits And Coverage
What our Car Insurance Covers

Note: Swipe left or right to view the full table on your mobile screen.

What Our Car Insurance Covers - SummaryMaximum Amount Covered
Loss or Damage to Your Car
Loss or Damage by fire or theft
  • Up to market value at time of loss or damage
Loss or Damage by other insured causes including Act Of God, fallen object, riot, strike, flood, etc
  • Up to market value at time of loss or damage
Car accessories All audio, video and other standard equipment fitted into the car by the manufacturer or distributor at time the car was originally purchased
  • Up to $1,000
Car accident repairs Excess is halved if repairs are carried out at a HL Assurance Approved Workshop
  • Yes
Windscreen cover
  • Unlimited
  • Windscreen Excess of $100 unless Windscreen is repaired at HL Assurance Appointed Windscreen Repairer
Your Liability to Third Parties
Damage to Third Party Property
  • Up to S$5,000,000
Death or injury to Third Party
  • Unlimited
You or Your Passenger’s Medical Expenses
Medical Expenses Coverage for the Policyholder, Authorised Driver and Passengers up to car legal seating capacity
  • Up to S$1,000 each
Personal Accident Cover for Injuries in the Car
Personal Accident benefits for the Policyholder, Authorised Driver and Passengers
  • Policyholder: Up to S$20,000
  • Authorised Driver: Up to S$10,000
  • Passengers: Up to S$10,000
Other Car Insurance Benefits Included
Daily transport allowance (up to ten days if repairs exceed three days)
  • S$50 a day, up to a total of S$1,000
Towing after Accident
  • Up to S$500
Authority to repair (for minor repairs)
  • Up to S$300
  • The Limit is after application of Policy Excess
24 hours Automobile and Medical Assistance Services
  • Available
Policy Owners’ Protection Scheme

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 HL Assurance Pte. Ltd. or visit the GIA or SDIC websites ( www.gia.org.sg or www.sdic.org.sg).

Car Protect360 Promotion Terms And Conditions
Great Value Car Insurance NETS Motoring Card Promotion Terms And Conditions
  • Promotion refers to Great Value Car Insurance NETS Motoring Promotion.
  • Promotion is applicable after loadings and deduction of NCD (No Claims Discount) and Good Driver Discount.
  • NCD Protector is not transferable to another insurer.
  • NCD Protector will not protect vehicle owners against non-renewal or cancellation of their policy by their insurer.
  • Promotion applies to new customers with NCD 30%, 40% or 50% who purchase Car Insurance policy from now to 31 December 2021, with both dates inclusive, (“promotion period”) via this website (https://www.hlas.com.sg) or Customer Care & Sales Hotline at 6702 0202 will be entitled to 25% off premium and a $100 worth NETS Motoring Card (“Gift”) if they fulfil the promotion requirements.
  • A Redemption Letter (“Letter”) will be sent to an Eligible Policyholder’s billing address (based on HL Assurance’s records), together with the Car Protect360 Policy within fourteen (14) working days after HL Assurance determines in its absolute discretion that the criteria under this Promotion have been met, barring any unforeseen technical delays.
  • The Gift is not transferable or exchangeable for cash, credit or any other item in part or in whole.
  • HL Assurance is not a supplier of the product(s)/services(s) offered and shall not bear any liability in relation thereto.
  • All vouchers and gifts are to be collected at HL Assurance Main office.
  • Gift(s) are on a first-come-first serve basis and while stocks last.
  • HL Assurance may at its sole discretion at any time and without prior notice substitute or replace the Gift with any other gift of equal or higher value.
  • You must be between twenty-seven (27) years to sixty-four (64) years of age as of your last birthday to effect the Car Protect360 plan.
  • All applications are subject to HL Assurance’s acceptance.
  • Promotion with complimentary service is NOT eligible on the following conditions:
    • Motor Schemes by authorized dealers.
    • High performance cars, Coupe, Convertible, Sport vehicle model.
    • High capacity car of more than 5000cc.
    • Car with high value more than $300,000.
    • Main or named Driver has less than two (2) years valid driving license and minimum two (2) years driving experience.
    • Cars used for commercial purposes, hire, reward, rental or lease or as courtesy passenger vehicles.
    • Cars with modifications.
    • Cars with accidents and/or claims in the last three (3) years.
    • Driver with license suspended or cancelled in the last three (3) years.
    • Driver with No Claim Discount (NCD) of 0%, 10% or 20%.
    • Car Insurance that have been declined, terminated or imposed with special terms by an insurance company.
  • In case of any dispute, HL Assurance’s decision on all matters relating to this Promotion is final, conclusive and binding.
  • HL Assurance at any time, at its sole discretion and without prior notice; can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
  • HL Assurance full disclaimers, terms and conditions apply to individual products. © 2020 HL Assurance Pte. Ltd. Co. Reg. No. 201229558W.
  • “HL Assurance” means HL Assurance Pte. Ltd.

Click here to view the Car Insurance brochure.

Application & Enquiry
  • Telephone: 6702 0202 (Mondays to Fridays, 9 a.m – 6 p.m excluding Saturdays, Sundays and Public Holidays)
  • Website: www.hlas.com.sg
FAQs
Frequently Asked Questions for Car Protect360

A: HL Assurance Motor policy gives you the freedom to choose your own workshop in Singapore. However, if you choose to use our HL Assurance Approved Workshop for repair, you can be assured that genuine manufacturers’ parts are used and it comes with a full 9 months repair warranty. Own Damage Excess will be halved if you choose to repair your vehicle at our HL Assurance Approved Workshop.

To view the list of HL Assurance Approved Workshops, please click here .

A: Your NCD will not be affected if we can recover the claim amount from the other party. However, if the claim recovery is not successful, your NCD will be affected. Alternatively, if you have been successful in your counter claim for excess and loss of use (at least 80% success rate), we can look into your request to reinstate NCD, subject to supporting documents.

A: For HL Assurance Motor policy, your windscreen cover will be automatically reinstated at no cost to you without affecting NCD.

A: You should have the settlement in writing from the other party, if he/she offers private settlement. Call our HL Assurance Claims Hotline at 6922 6003 for assistance, if necessary.

A: Market value is the cost of replacing the Insured Vehicle with a vehicle of the same make, model, condition and age of the vehicle at the time of the accident. This may be determined by the latest transactions sourced from newspaper advertisements, online motoring websites, surveyors and motor car dealers.

A: The NCD protector is an optional benefit and applies only to policyholders of 50% NCD at an additional premium. It will protect your NCD in the event of a first claim during your policy period. If a second claim is made, the normal NCD rules apply and your NCD will be reduced to 20% on your next policy renewal.
The protected NCD is not transferable to another insurer. You will need to renew your policy with HL Assurance in order to enjoy this benefit.

A: You will need to lodge a police report immediately so that the Police can investigate the matter. Please also report the loss to us, together with a copy of your police report.

A: The Young and/or Inexperienced Driver Excess is applicable in addition to the Own Damage Excess amount specified in the Schedule if the Insured Vehicle is driven by or under the control of any person (other than the Policyholder) who at the time of loss or damage to the Insured Vehicle is below twenty-seven (27) years of age and/or has held a valid driving license for less than two (2) years.

A: You can find out more about our Terms and Conditions for Car Protect360 here.

Claims

For 24-Hour Emergency Car Assistance Service, please contact 6922 6009.

File a Car Insurance Claim

What should I do in the event of a Traffic Accident?

If you have an accident, try to stay calm and check if anyone is injured. Do not admit or discuss liability. If someone is injured, please do not attempt to move the injured or the vehicles, unless absolutely necessary. Call 995 or 999 for ambulance and police assistance.
Exchange particulars with all parties involved and including Vehicle numbers, Name, NRIC/FIN number, Telephone number, Address and Insurer.
Take photographs of all the vehicles involved in the accident and a view of the accident scene. These are to be included in the accident report to be filed later. Obtain the particulars of any witness to the accident.

Documents needed to make a claim

  • Accident report
  • Completed claim form (for windscreen claims only)
  • Police report (where applicable)
  • Particulars of witness, if any
  • Medical / Specialist reports (for injury claims)
  • Bills / Invoices of incurred expenses, e.g. towing fees, medical fees etc.
  • Any other documents supporting your claim

You can submit the above original documents to substantiate your claim by fax at 6224 1923 or email at claims@hlas.com.sg or post to HL Assurance office at 11 Keppel Road #11-01 ABI Plaza Singapore 089057.

Towing services

Call our 24 hours Emergency Hotline at 6922 6009 or call any of the nearest HL Assurance Approved Workshop. Avoid all unauthorized tow-truck operators or repair workshops and be sure to verify the service provider before you hand over your vehicle. To view the list of HL Assurance Approved Workshops, please click here

Damage to Windscreen or Window

Our exclusive Windscreen repairer can provide mobile service to repair or replace your Windscreen or windows excluding glass roof. The repair or replacement of glass roof t will be categorised under Vehicle Own Damage Claim and is subject to Own Damage Excess.

Reporting an accident

Under the Motor Claims Framework endorsed by the General Insurance Association of Singapore, you are required file an accident report to your insurer within 24 hours
or the next working day, even if you are not claiming on your own insurance or even when there is no damage to your vehicle. If not, your No Claim Discount (NCD) will be affected.

Reporting to the police

If an accident involves injury, hit-and-run situation, damage to a government vehicle or property, foreign vehicle, pedestrian or cyclist, a police report must be lodged.

Accidents outside of Singapore

Lodge a police report at the place of which the accident or loss occurred immediately. Once you have returned to Singapore, report this incident to us with a copy of the police report.

If you need towing, please call our 24 hours Emergency Hotline at 6922 6009. We will bear the reasonable cost of towing charges up to S$500.

Claims received from Third Party

Immediately forward to us all forms of written communication from third parties regarding the accident. Read HL Assurance Policy Details for more information, including policy terms and conditions.

Claim Form

Property / Windscreen Claim Form (PDF)

Early Protect360

Use Promo Code CASH21 to enjoy up to 10% Discount + Receive up to $200 NETS Motoring Card.

 Get covered from Stage 1 Critical Illness with 30% acceleration payout to help with financial burden
 Immediate coverage where no medical examination is required
 Free Medical Teleconsulation just through an app – it’s easy and convenient

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Early Protect360 Benefits And Coverage
What our Early Protect360 Critical Illness Covers

Note: Swipe left or right to view the full table on your mobile screen.

SectionsCoverageMaximum Benefit Payable ($)
AEarly Stage Critical Illness 30% of Sum Assured of Section B
1Major Cancer
2Heart Attack of Specified Severity
3Coronary Artery By-Pass Surgery
4Open-Chest Heart Valve Surgery
5Open-Chest Surgery to Aorta
6Stroke with Permanent Neurological Deficit
BAdvanced Stage Critical Illness Sum Assured
1Major Cancer
2Heart Attack of Specified Severity
3Coronary Artery By-Pass Surgery
4Open-Chest Heart Valve Surgery
5Open-Chest Surgery to Aorta
6Stroke with Permanent Neurological Deficit
7Angioplasty & Other Invasive Treatment for Coronary Artery10% of Sum Assured, Maximum S$25,000
Policy Owners’ Protection Scheme

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 HL Assurance Pte. Ltd. or visit the GIA or SDIC websites ( www.gia.org.sg or www.sdic.org.sg).

Early Protect360 Promotion Terms And Conditions
Terms and Conditions For Early Protect360 NETS Motoring Card Promotion
  • The promotion is between the dates 15 January 2021, 1200 and 31 December 2021, 11:59pm (both dates inclusive).
  • Customers who purchase any Early Protect360 insurance policy with “Monthly Pay” premium payment mode selection and utilise promo code “CASH21” will be entitled to S$20 worth of NETS Motoring Card (“Gift”).
  • Customers who purchase any Early Protect360 insurance policy with “Yearly Pay” premium payment mode selection and utilise promo code “CASH21” will be entitled to S$50 worth of NETS Motoring Card (“Gift”).
  • Customers who purchase any Early Protect360 insurance policy with “Lump Sum” premium payment mode selection and utilise promo code “CASH21” will be entitled to S$200 worth of NETS Motoring Card (“Gift”).
  • Upon successful payment of policy, Qualified Customers will receive a redemption letter after fourteen (14) business days (excluding Saturday, Sunday and Public Holidays).
  • All details and particulars submitted in the application form must be accurate, true and complete. HL Assurance is also not obliged to replace any gift where email address provided by policyholder is invalid or incorrect.
  • The Gift will be required to be refunded to HL Assurance should the Early Protect360 Insurance policy be terminated or cancelled within six (6) months
  • The Gift is not transferable or exchangeable for cash, credit or any other item in part or in whole.
  • HL Assurance is not a supplier of the product(s)/services(s) offered and shall not bear any liability in relation thereto.
  • All vouchers and gifts are to be collected at HL Assurance Main office.
  • Gift(s) are on a first-come-first-serve basis and while stocks last.
  • HL Assurance may at its sole discretion at any time and without prior notice substitute or replace the Gift with any other gift of equal or higher value.
  • HL Assurance may vary the Terms and Conditions of this Promotion without prior notice or withdraw or discontinue the Promotion at any time without any notice or liability to you.
  • HL Assurance at any time, at its sole discretion and without prior notice; can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
  • In the event of any dispute, HL Assurance management’s decision is final.
  • HL Assurance full disclaimers, terms and conditions apply to individual products. © 2020 HL Assurance is a registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
  • “HL Assurance” means HL Assurance Private Limited.
  • HL Assurance’s Early Protect360 is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s 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 HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.
FAQs
Frequently Asked Questions for Early Critical Illness Insurance

A: Early Protect360 provides coverage for Early and Advanced Stage Critical Illness such as Major Cancer, Heart Attack of Specified Severity and Stroke with Permanent Neurological Deficit.

A: You can apply this Policy if you are between the age of 18 to 65 years old. The policy is renewable up to 74 years of age and will stop when the insured reaches the age of 75. You must be a Singapore Citizen, Singapore Permanent resident or a foreigner holding a valid pass issued by Singapore government and is residing in Singapore.

A: You can purchase up to S$300,000 worth of coverage under Early Protect360.

A: Yes, there’s a 14-day free-look period. During this time, if you decide to cancel your policy, we’ll refund of the premium unless something has occurred for which a claim may be payable.

A: Medical check-up is not required for this product. You will be required answer a health declaration to be eligible to purchase Early Protect360.

A: You can submit the claim form, along with the supporting documents by fax to 6224 1923, email to claims@hlas.com.sg or post it to HL Assurance’s office at 11 Keppel Road, #11-01 ABI Plaza, Singapore 089057.

A: You can find out more about the Terms and Conditions for Early Protect360 here.

Underwritten by:

Partnership with: