Tools - Car Icon

Complimentary Car Servicing

25% Discount + Free Car Servicing *

Not only do we take care of you, your car is also important to us. Give your car a good treatment to maximize the efficiency. Enjoy a choice of Free Car Servicing, Air-con Treatment or Paint Protection on top of 25% Off when you sign up with us now! Terms Apply.

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Flexible Workshops Plan

For Your Comfort and Convenience

Enjoy the flexibility of bringing your car to your choice of car workshops or take advantage of our quality workshops with reduced excess and premiums!

Car Protect360 Benefits

If you are looking for a car insurance to suit your needs, we have it here for you. At HL Assurance, we understand the importance of a comprehensive insurance with affordable premiums.

High Medical Coverage

Preparedness is the Best Protection for Your Loved Ones

Total coverage for you, your family and your car. Receive up to S$20,000 Personal Accident Cover and additional Medical Expenses in the event of an accident.

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Daily Transport Allowance

If repairs takes 3 days or more

Don’t fret if your car is under repairs in the workshop! Get transport allowance should your repairs take more than 3 days.

24/7 Roadside Assistance at your service

Feel Safe and Protected on the Roads

Get 24/7 hours roadside assistance in the event your car breakdown. Not only do we take care of you, your car is also important to us.

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Car Servicing Promotion

We are giving away free car servicing/grooming* with purchase of any new car insurance policy. Select one of the below car grooming services to pamper your car!

Benefits of Car Protect360

If You Are Looking For A Car Insurance Online To Suit Your Needs. We Have It Here For You. At HL Assurance, We Understand The Importance Of A Comprehensive Insurance With Affordable Premiums. Get a Free Car Insurance Quote Today!


High Medical Coverage

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Daily Transport

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24/7 Hours Roadside

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Car Works

Why You Should Choose Car Protect360?

  Fast and Excellent Customer Service

Customer Review by Telma Gomez

When I’m having difficulty to complete the Motor Insurance quotation form online. I called the Customer Claim Hotline for assistance. Not only the quotation was swiftly issued, they also explained the motor cover in details.

  Hassle Free Online Purchase

Customer Review by Derrick Ng

Hassle free online purchased! Have bought few travels insurance and switched my motor insurance to HL Assurance. Relatively cheaper price as compared with the rest! Was told travel insurance claims can be submitted online too! Thumbs up.

Car Protect360 Promotion Terms and Conditions
  • Promotion refers to Great Value Car Insurance 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 our website ( or Customer Care & Sales Hotline at 6702 0202 will be entitled to 25% off premium and a complimentary of either Car Inspection, Silver Servicing Package, 2-in-1 Air-Con Treatment or Paint Protection System (“service”) if they fulfil the promotion requirements.
  • HL Assurance reserves the right to top up the promotion with any service of any value and also to change or replace any offer service during and after the promotion period without prior notice.
  • Complimentary car maintenance package (“service”) stated is valid for six (6) months from the purchase date of Car Protect360 policy.
  • 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.
  • Each Eligible Policyholder is entitled to 1 free service. No requests for extension will be entertained by HL Assurance or the merchant and no extension will be granted.
  • The original Letter must present at either VICOM Centres or Spark Car Centres upon redemption / utilisation.
  • The Letter is non-transferable, non-exchangeable for other items of the same value, cash or discount.
  • 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. © 2021 HL Assurance Pte. Ltd. Co. Reg. No. 201229558W.
  • “HL Assurance” means HL Assurance Pte. Ltd.

Application & Enquiry


  • Telephone: 6702 0202 (Mondays to Fridays, 9 a.m – 6 p.m excluding Saturdays, Sundays and Public Holidays)
  • Website:
  • The promotion is held from 22 October 2021 to 31 December 2021 (both dates inclusive).
  • Eligible customers who successfully purchase or renew any Car Protect360 policy during the Promotion Period will be entitled to a $10 Grab voucher(“Gift”), provided that the policy is not subsequently cancelled.
  • This is while stock last. Limited to 200 customers.
  • This promotion is applicable for new purchases and renewal made via HL Assurance website at using PayNow as payment method.
  • New purchases and renewal refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.
  • HL Assurance will send a redemption email within 60 days from the successful purchase of a policy to the electronic mailing address which was provided to HL Assurance at the point of purchase of the policy.
  • The Gift is not transferable or exchangeable for cash, credit or any other item in part or in whole.
  • 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. © 2021 HL Assurance is 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 Car Insurance 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 ( or 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.

Christmas Spin-and-Win Contest Terms and Conditions


  • This Spin-and-Win Contest (“Contest”) is open to participants that have completed the Christmas Spin-and-Win Online Registration Form from 18 December to 31 December 2020 at the start of the Contest period. The contest period is from 18 December to 31 December 2020 (both dates inclusive). By participating in this Contest, each participant agreed to be bound by the terms and conditions set out below.



  • The Promotion is open to the following Participants:
    1. Singapore Citizen or Singapore Permanent Resident or holder of a valid Employment Pass, work permit, dependent pass, student pass or long term visit pass issued by the authorities in Singapore who are at least 18 years old.
    2. Successfully completed the Online Registration Form between the Contest period.
  • Employees of HL Assurance Pte. Ltd. (“HL Assurance”), their immediate family members and any other parties directly involved in organizing, promoting, or conducting the Promotion are not eligible to participate in the Promotion.
  • HL Assurance has the sole discretion to exclude any person from participating in the Promotion without any obligation to furnish any notice and/or reason.
  • All details and particulars submitted in the online registration form must be accurate, true and complete. Incomplete, inaccurate or illegible lucky draw forms will be disqualified.
  • All Contest entries must be received before 23:59 on 31 December 2020 (GMT +8:00).
  • Participants will be given one (1) spin-and-win chance with every successful registration form completed.
  • Participants are deemed to have agreed that HL Assurance may contact you via voice call for the purposes of this contest registration and/or gifts.
  • Participants consent that their personal data may be used by HL Assurance and its affiliates, and may be disclosed by HL Assurance to its affiliates to send them marketing and promotional information and materials by post and/or emails.
  • HL Assurance reserves the right (but shall not be obliged) to have reserve Winner(s) to substitute any Winner selected for the Contest subsequently found to be disqualified for any reason. Our determination of the Winners selected for the Contest shall be final, conclusive and binding, and no appeal or correspondence will be entertained.
  • Prizes are non-transferable and non-exchangeable for cash and may be subject to availability of stocks. HL Assurance reserves the right to replace any prizes with items of similar value without prior notice.
  • The Prize is provided as-is with no warranty or guarantee. All applicable laws and regulations apply, including but not limited to tax laws. Each Winner is liable for any and all tax obligations arising from the award of a Prize to him/her.
  • Winner must present the printed email notification letter and any identification document(s) (where required) to redeem the Prize.
  • Selected Prizes (S$20 CapitaVouchers, S$20 Cold Storage Vouchers, S$50 CapitaVouchers, S$50 Cold Storage Vouchers, Apple Airpods, Redmi Note 8) will be applicable only with purchase of Early Protect360, Maid Protect360 or Car Protect360.
  • Winners will be required to self-collect their Prize at the HL Assurance’s office, 11 Keppel Road, #11-01 ABI Plaza Singapore 089057 on or before 31 January 2021 during office hours. The Contest Prizes that are not collected after 31 January 2021 shall be forfeited and HL Assurance reserves the rights to deal with all unclaimed prizes in any manner deemed fit.

General Terms and Conditions


  • By participating in this Contest, participants agree to HL Assurance (“Company”) Policy on Personal Data, that all personal data provided to the Company or acquired by the Company from the public domain, as well as personal data that arises as a result of the provision of services to participants will be subjected to such Policy on Personal Data as may be varied from time to time. Further copies are available upon request or from the Company’s website ( HL Assurance will fully cooperate with any law enforcement and government authorities and any judicial or regulatory orders requesting copies of or information in relation to any postings or content.
  • HL Assurance makes no warranty or representation as to the quality, merchantability or fitness for purpose of the merchants’ goods and services in respect of the Prize. Any dispute about the same must be resolved directly with the merchant. Merchant terms and conditions apply.
  • HL Assurance’ decision on all matters relating to or in connection with this Contest is final and binding on all participants. HL Assurance shall not be obliged to enter into any correspondence on any matter concerning the Contest.
  • HL Assurance is not the agent of the merchant and make no representation as to the quality/condition or performance of the goods and services. Any dispute about quality/condition or performance of the goods and services is to be resolved directly between the Winners and the merchant.
  • A person who is not a party these Terms and Conditions shall have no right under the Contracts (Rights of Third Parties) Act (Cap 53B) to enforce any of these Terms and Conditions and notwithstanding any terms herein, the consent of any third party is not required for any variation (including any release or compromise of any liability) or termination of these Terms and Conditions.
  • By participating in this Contest, the Winners grants us the right to publish the results of the Contest, and disclose the information (including name, masked NRIC/FIN number)
    1. on our website
    2. on our Facebook page.
  • All information is correct at the time of publishing.
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 ( or

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.


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 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)

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