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Aviva Car Insurance Singapore Review 2020

Aviva is one of the major insurance providers in Singapore. It’s a household name in Singapore as it is the provider of term life insurance for NSmen.

One of the key selling points of an Aviva car insurance policy is the low NCD penalty. But what else other features does it offer?

Aviva car insurance: Lite, Standard, Prestige plans

Like other insurers, Aviva car insurance has three tiers ranging in coverage and premiums. The cheapest one is the Lite version, followed by the Standard plan. The most expensive one is the Prestige tier, which offers more flexibility and benefits.

Aviva car insuranceAviva LiteAviva StandardAviva Prestige
Choice of workshopAviva authorised workshops onlyAviva authorised workshops. (Pay double excess for non-approved workshop)Any repairer
Replacement car provided forCars less than 1 year oldCars less than 1 year oldCars less than 2 year old
Young & inexperienced driver excess250025000
Windscreen excess payment100100No excess
Medical expenses (driver and passengers)$500 25005000
Damage to third party’s propertyMax $5 million Max $5 million Max $5 million 
Recommended forSecond hand, aged, parallel import carsSecond hand, aged, parallel import carsNew premium cars, families with young drivers

Aviva car insurance is great for cars that are past their expiry period, which means they can be served at any workshop. Otherwise, you can’t go to your preferred workshop for the Lite plan, or will need to pay double the excess for the Standard Plan. 

The claiming process is easy through Aviva. You can also claim an unlimited number of times if you repair at any Aviva authorised workshop.

A key advantage of the Prestige plan is that it has $0 excess for young and inexperienced drivers. So if you have families with drivers who just got their licenses, the plan will offer extra peace of mind. 

The Prestige Plan also has an eCall assistance service. How it works is that you will be given a Bosch smart sensor device to plug into the car. The driver can then use the “Aviva eCall Assistance” app to pair the device to the app via Bluetooth. The device will automatically call Aviva’s emergency team when a car crash occurs. 

Standard and Prestige Aviva car insurance policyholders also get free rides home if the insured car cannot be driven after an accident.

However, if you have a modified car, rest assured that Aviva will offer coverage as long as the modifications are compliant with and approved by the Land Transport Authority (LTA).

Aviva car insurance add-ons

There are additional add-ons you can purchase to complement the existing coverage on your plan. 

No Claims Discount (NCD) Protector: Aviva’s NCD is a great benefit. You can add-on an NCD protector, which will reset your NCD up to one accident. But, since Aviva only penalises you with 10% reduction in your NCD (for all plans), much lower than the industry standard of 30%, it may not be that important to have such a protector, unless you really want to.

Replacement car, or “courtesy car”: When you get into an accident, you may be inconvenienced when your car is left at the workshop. If you have this add-on, Aviva will provide you will a “courtesy car” for up to 10 days. 

Replacement locks and keys: Are you a forgetful person with a track record of losing your car keys, or, do anticipate that your car may get broken into? Adding this feature can help you cover the replacement of locks and keys, up to $500. 

Additional Personal Accident cover: Enjoy personal accident coverage of up to $100,000 for driver and passengers when you tag this add-on with your Aviva car insurance policy.

Aviva car insurance promo codes

Currently, there is an ongoing 25% off Aviva car insurance premiums promotion that is valid until Aug 31, 2020. Use the code “POSTCB25” to redeem.

Additionally, existing car insurance policyholders get renewal benefits. Upon successful renewal, the policyholder can enjoy a free Personal Accident rider that is worth $107 and also receive a CapitaLand voucher worth $40 (for annual plans).

Are there any other discounts for Aviva car insurance?

Due to the comprehensiveness of Aviva’s basic car insurance plans, premiums are not going to be cheap. But the good thing is that Aviva offers up to 15% discount for MHA and MINDEF Group Term Life policyholders—basically most NSmen who opted for the term life plan when they were in the army. 

If you drive safely and don’t get into an accident, you can get a higher NCD discount, 10% more each year if you do not file a claim, up to 50%. 

Additionally, if you are happy with Aviva’s plan, you can also lock down the premium for two years under the Dual Year Plan.

Should you get Aviva car insurance?

Aviva car insurance may not be the cheapest on the market, but it is one of the more comprehensive ones. If you can get promo codes or discounts to secure a cheaper premium, we think it’s a great car insurance policy plan. 

With the lowest penalty on NCD upon a car insurance claim, the eCall Assistance feature and $0 excess for young and inexperienced drivers offered under the Prestige Plan, Aviva car insurance is great for insuring family cars. 

 

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