AXA car insurance Singapore review (2020)

When it comes to car insurance, AXA car insurance is one of the leading brand names. One reason for that could be that they have many different comprehensive plans to choose from.

Let’s review them and see if they are suitable for you.

Overview of AXA car insurance plans

AXA car insurance has a total of 7 comprehensive car insurance plans. The most basic is SmartDrive Essential, which offers the most basic coverage. The most comprehensive coverage of all is SmartDrive Flexi Family.

As they are all comprehensive plans, they cover loss or damage due to insured risks, legal liability for any third party injury or property damage, as well as fire and theft coverage. Plans also offer up to $500 coverage for cost of 24/7 towing to the workshop or place of safety.

Essentially, there are two main categories when you are looking at AXA car insurance plans: those that only allow repair at AXA authorised workshops, and those that allow you to repair at any workshop.

SmartDrive plans that allow repairs only at AXA authorised workshops

SmartDrive Essential+, SmartDrive Peace and SmartDrive for Her are plans that allow you to repair your car at any workshop.

• SmartDrive Essential: Basic coverage and cheapest premium

• SmartDrive Peace: Those concerned about insuring personal belongings in the car

• SmartDrive for Her: Those who need roadside assistance in case of accidents or any other driving hiccups

• SmartDrive Essential+: Good loss of use benefits for when your car is at the workshop and offers a high payout in the event of total loss

SmartDrive plans that allow repairs at any workshop

SmartDrive Flexi, SmartDrive Flexi+ and SMartDrive Flexi Family allow the insured policyholder to repair at any workshop.

AXA car insurance add-ons to choose from

If you want to further customise AXA car insurance, you can also choose from car insurance add-ons from AXA. They can be purchased a la carte or in bundles.

AXA car insurance a la carte add-ons

• Choose your own excess

• Car protector to compensate 110% of the market value for total loss

• NCD Protector for all types of claims and accidents

• Car Accessories Protector, cover up to $2,000 of car accessories without affecting NCD

• Courtesy Car, for use when car is undergoing repair due to an accident

• Phone assistance and roadside support

• Medical and dental expenses, up to $5,000 per person in the event of accident

• Personal accident coverage for driver, from $50,000 to $500,000

• Personal accident for passengers, up to $20,000 in the event of a car accident

• Monthly allowance in the event of total permanent disablement from a car accident

AXA car insurance add-on bundles

Make AXA car insurance plans cheaper for you

Since AXA car insurance plans are so customisable, as a consumer, you can choose what you need only. For instance, you can get the most basic plans and add-on what you need: Car Protector, for instance, which is a good add-on pack that gives peace of mind during car accidents. By only choosing what you need, you avoid paying more than you need.

Of course, drive safely, so that when for each year without accidents, there will be a 10% discount, to be accumulated year by year. The max NCD is 50%. You can also choose to double your excess so you get a discount.

Should you choose AXA car insurance?

AXA car insurance is suitable for people who want to have complete control over their car insurance policy. It is also a reputable brand name. If you are savvy about car insurance, you will be able to know how to customise to your liking.