Direct Asia Car Insurance Review

Compare four types of cover and find a deal that works for you.

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Direct Asia Insurance

Whether you’re looking for comprehensive protection or a more basic level of cover, Direct Asia Car Insurance offers a range of policies to give you peace of mind before you get behind the wheel. Let’s take a look at the main types of insurance offered by Direct Asia, along with some typical exclusions to be aware of.

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Compare Direct Asia car insurance plans

Name Product Accidental Damage Roadside Assistance New Car Replacement Fire and Theft Guarantee on Repairs
Direct Asia Insurance Comprehensive Cover Car Insurance
Yes
Optional
Yes
Yes
Lifetime repair guarantee
Direct Asia Third Party Fire and Theft Cover Car Insurance
Yes
Optional
Yes
Yes
Lifetime repair guarantee
Direct Asia Insurance Third Party Only Car Insurance
Third Party Only
Optional
Optional
No
Lifetime repair guarantee
Direct Asia Insurance SOS Car Insurance
Up to the market value of your car
Optional
Optional
Yes
Lifetime repair guarantee
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What policies are available?

Comprehensive cover

A comprehensive plan with Direct Asia gives the highest level of protection. Its cover includes: loss or damage to your vehicle caused by accidents, fire, theft, storms and other acts of God. It also offers protection if you cause damage to other people and property. Plus, damage to your windows or windscreen.

Third party, fire and theft cover

This type of policy covers you if your vehicle gets stolen or gets damaged in a fire. Plus, it gives you cover in case you cause damage to other people and their cars.

Third party only

This basic type of cover only offers protection against any damage which you cause to other people and their cars.

SOS Car Insurance

If you’ve had multiple accidents in the past, or your insurance has been cancelled, this specialist type of cover can help you get behind the wheel again.

Direct Asia Car Insurance levels of cover

  • Covers accidents, fire, theft, natural disasters, and more – up to the market value of your car
  • Towing costs – up to S$200
  • Unlimited third party injury or death cover
  • Up to S$5,000,000 protection against damage to third party property
  • Windscreen/window replacement or repair
  • Covers loss or damage caused by fire and theft – up to the market value of your car
  • Up to S$5,000,000 protection against damage to third party property
  • Towing costs – up to S$200
  • Unlimited injury or death cover to third parties
  • Up to S$5,000,000 protection against damage to third party property
  • Unlimited third party injury or death cover
  • Covers damage caused to your vehicle – up to the market value of your car (a standard excess of S$1,500 applies)
  • Towing costs – up to S$200
  • Up to S$5,000,000 protection against damage to third party property
  • Unlimited third party injury or death cover

What add-ons are available with Direct Asia?

There are multiple add-ons with Direct Asia that can give you more protection on the road. These include:

  • Personal accident cover for drivers – up to S$500,000
  • Medical cover for drivers and their passengers – up to S$3,000 per person
  • No claims discount protection for up to one claim per policy per year
  • Choose your preferred workshop for repairs or maintenance
  • 24-hour breakdown assistance
  • Get S$50 a day to cover travel costs, for up to 10 days per accident
  • Repatriation costs of up to S$200 per person, and up to S$3500 for towing
  • 24 months’ new for old car replacement

While you’re comparing car insurance quotes, it’s worth keeping in mind that you’ll typically have to pay extra for your premium if you add such benefits on to your policy. These costs will vary from between providers.

What won’t be covered?

You won’t be able to make a claim under your FWD Car Insurance policy if:

  • Your car was being driven by an unlicensed driver, or someone whom the insurer has declined to cover
  • Your car was being driven by someone who was under the influence of alcohol or drugs
  • Your vehicle was carrying more people, or a larger load than the legal limit
  • Your car was being driven while in an unsafe or un-roadworthy condition
  • Your car was being used to carry passengers for business purposes
  • Your car is being used for purposes of racing
  • Your vehicle was subjected to a deliberate, intentional, malicious or criminal act by you, anyone person driving your car, or anyone else acting with your consent
  • It is for any loss of use of your vehicle
  • It results from the lawful seizure of your vehicle
  • It is for loss or damage that occurs after an accident, theft or breakdown unless you have taken reasonable steps to protect your vehicle
  • A claim which is in any way fraudulent, false or exaggerated

We encourage you to read Direct Asia’s full policy terms to see a comprehensive list of exclusions for each type of car insurance you compare.

Making a claim

Direct Asia offer 24/7 support if you need to make a claim. Their claims hotline number is 6532 1818 (or +65 6603 3699 if you’re overseas). They’ll assign a specialist to you within 24 hours and the claims review process typically takes less than a week.

Frequently asked questions

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