NTUC Income Car Insurance Singapore Review 2021

NTUC Income is a brand that needs no introduction in Singapore. Naturally, it has the lion’s share of the car insurance market, especially among local drivers. 

So NTUC car insurance is popular — but is it really all that good? Let’s take a look at the plans on offer and their key selling points.

NTUC car insurance plans at a glance

The main NTUC car insurance product is comprehensive car insurance, called Drivo, and it comes in 3 flavours –  Classic, Premium and Prestige. 

NTUC car insurance coverage	Covers up to
Loss or damage to your vehicle from accidental causes or by fire or theft	Market value at the time of loss or damage
Damage to third party property	$5,000,000
Personal accident benefits	$50,000
Towing service	$500
Choice of workshop	Authorised workshop only

If you don’t mind going to NTUC’s authorised workshops (there are over 30 of them), Drivo Classic will do the trick. 

But if you have a new car that’s still under warranty and don’t see your dealer’s workshop on the list, you might wish to upgrade to Drivo Premium, which allows you to go to any workshop.

NTUC Income also offers the priciest Drivo Prestige plan, but it’s only for Porsche models – Panamera, Cayenne, Cayman, Boxster and 911.

You can compare car insurance coverage and read the policy documents on NTUC Income’s car insurance page.

Looking to buy NTUC car insurance? Compare the best quotes from 10 different Singapore car insurance providers first.

What add-ons can you choose with NTUC car insurance?

Here are some add-ons which may come in handy during emergencies when you need extra protection for your vehicle, yourself and your passengers.

Add-ons Coverage	Coverage Amount	Est. Cost
NCD Protector (Policy with min. 30% NCD)	–	10% of premium or S$50
Excess Waiver	$600 (for Basic Excess)	S$64.20
Daily Transport Allowance	$50 / day	S$53.50
Motor Insurance Extension Rider	Medical expenses of up to $5,000 per event	S$50 to $285

NCD Protector: You can choose to add on this protector if your No Claim Discount (NCD) is 30% and above. This maintains your NCD in the event that you have to make a claim. Also, if you buy NTUC car insurance at 50% NCD for at least 2 consecutive years, NTUC will give you NCD Protector for free when you renew NTUC car insurance for the 3rd year.

Excess waiver: If you opt for this cover, you can get the excess of $600 waived. That means you pay a higher premium, but in the event of any claims, you won’t have to pay a cent – NTUC will foot the entire bill.

$50 daily transport allowance: You have to pay extra to enjoy this benefit if your car is stuck at the workshop. It’s only valid for your first 2 claims and only up to 7 days each time.

Motor Insurance Extension Rider: NTUC’s comprehensive car insurance policy automatically covers you when you drive to West Malaysia.  If you often drive across the border with your family, consider opting for the Motor Insurance Extension Rider, which covers any other named drivers and passengers as well, and gives you 24-hour referral services for road and medical assistance in the case of emergencies.

How to get cheaper car insurance with NTUC Income?

We have to admit that NTUC Income car insurance isn’t the cheapest out there. There are tons of new, digitally-savvy insurers trying to disrupt the status quo with cheaper premiums and more streamlined processes.

That’s great for us consumers as there are now a few ways you can get cheaper car insurance premiums with NTUC Income.

Apart from the usual NCD and loyalty discounts, NTUC offers one-off promotions such as the current Online Exclusive voucher giveaway.

From now till 2 July, get up to $250 CapitaVouchers when you insure your car with Drivo Motor Insurance as a new customer. That’s if your car is less than or 5 years old. Stay up-to-date and save more with the latest NTUC Income car insurance promotions here.

Why (or why not) choose NTUC car insurance?

Although premiums are definitely not the cheapest around, many Singaporeans clearly don’t mind paying more for that sense of security. Brand loyalty aside, though, here are some great features that NTUC Income has to offer.

NTUC Orange Force accident response team

NTUC also has a very good reputation for emergency service, thanks to the adorably-named Orange Force, their first-aid-trained accident response team.

To illustrate: If you bought insurance from a no-brand company and get into an accident, you’ll most likely be flapping your hands and running around in blind panic (unless, of course, you’ve read our ultimate guide to making car insurance claims).

But if you bought NTUC car insurance, you just have to call the hotline at 6789 5000 and wait 20 minutes for an Orange Force Rider to appear. He or she will calm you down, help you take photos and record your statement, and arrange for medical attention, vehicle removal and alternative transportation. Pretty good, eh?

NTUC Income Motor Service Centre

To complement their Orange Force, NTUC Income also offers a one-stop depot set up – Income Motor Service Centre, for accident reporting and damage assessment.

Their customer care executives will make things less of a hassle by liaising with other parties involved in the accident, workshops and other insurers, helping you out in the filing of the accident report in person or online, assessing the damages to your vehicle and ensuring you get fair claim advice.

In all, there are some pretty solid reasons to get NTUC Income car insurance, especially if you’re a nervous new driver who hasn’t been there, done that when it comes to accidents.

Still, it’s worth checking out the competition just to see how much cheaper other insurers cost. Get the best car insurance quotes from MoneySmart.