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Car Protect360

If You Are Looking For A Car Insurance To Suit Your Needs, We Have It Here For You.

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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 March 2021, with both dates inclusive, (“promotion period”) via our website (https://www.hlas.com.sg) 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: www.hlas.com.sg

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.

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