Our private car insurance product gives you a choice of 3 coverages:

1. Third Party

2. Third party Fire & Theft

3. Comprehensive

We offer two types of plans under the ExcelDrive programme:

Features / Eligibility	ExcelDrive Prestige	ExcelDrive Gold
Eligibility by vehicle Age	New to 3 years	New to 8 years
Feature	Compulsory that repair is carried out at manufacturer’s / distributor’s appointed workshop or ExcelDrive Workshops (EDWS)	Compulsory that repair is carried out at EDWS
ExcelDrive Workshops (EDWS) warranty for repairs	Yes	Yes
Waiver of Excess at EDWS	up to $1,000 each claim for first two claims	up to $1,000 each claim for first two claims
Windscreen Reinstatement - Limited to once during policy period	Free & Automatic Windscreen reinstatement if repair is done at EDWS. Where repair is done at manufacturer’s ⁄ distributor’s appointed workshop, reinstatement can be arranged with payment of additional premium.	Free & Automatic Windscreen reinstatement if repair is done at EDWS.
Premium Savings compared with Standard Premium	n.a. – standard premium applies	Approximately 10% off standard premium

In addition you can also enjoy these benefits:

• Free personal accident cover up to $20,000 for policyholder and $10,000 for named drivers
• Free cover for legal liability of passengers
• Free cover for damages as a result of riot, strike, civil commotion, flood and windstorm
• Loss of Benefits for up to 14 days
• 24-hour Automobiles Assistance Service
• Automobile Assistance including Emergency Towing Assistance, Roadside Repair Assistance, Alternative Travel Assistance, Repatriation of Vehicle, Arrangement of Rental Transport, Arrangement of Hotel Accommodation & Claims Procedure Assistance; and
• Medical Assistance including Arrangement of Emergency Medical Evacuation & Repatriation, Arrangement of Repatriation of Mortal Remains
Unless otherwise covered under the Policy, the above Services are purely on referral or arrangement basis and any third party expenses shall be solely borne by the Insured.


• Option to buy up or buy down excess
• Enjoy Premium Discount when you buy up your Policy Excess. This voluntary excess will not be waived at the ExcelDrive Workshop.
• By paying a small premium, you can also reduce the standard Policy Excess with the Excess Buy Down Option, this will not apply to the Additional Excess for Young, Inexperienced or Elderly Drivers.
• EXCLUSIVE: If you are enjoying 30%,40% or 50% NCD, you will be granted No Claim Discount Protection FREE i.e. your current NCD % will be maintained at renewal following 1 claim within the policy period.