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HL Assurance car insurance review Singapore (2020)

HL Assurance’s car insurance comes under the insurance arm of Hong Leong Group. Its signature HL Assurance Car Protect360 plan is comprehensive.

How does HL Assurance’s car insurance plan fare? Let’s find out.

HL Assurance car insurance plan: Car Protect360

HL Assurance’s main car insurance plan is the Car Protect360 plan. It is a comprehensive plan that offers damage to third party property up to $5 million and unlimited compensation for death or injury to third parties.

Additionally, HL Assurance also protects you, the driver in these essential areas:

  • 24/7 roadside assistance
  • Medical coverage during a car accident, up to $20,000 Personal Accident cover and additional medical expenses
  • Daily transport allowance of $50 a day if repairs take 3 days or more, up to 10 days (max $1,000)
  • Towing after accident, up to $500
  • Flexibility to repair at own workshop, although it will not come with repair warranty and excess will not be halved.

Some downsides of the plan is that the Young and/or Inexperienced Driver Excess is high. If the insured vehicle is driven by someone under 27 years old and/or with less than two years of holding a valid driving licence at the time of loss or damage, the excess to be paid upfront is $3,000.

As such, if you have authorised drivers who are young or and/or inexperienced, you may want to consider a different plan.

HL Assurance car insurance add-ons

HL Assurance car insurance is very easy to understand as there is only one signature plan: Car Protect360. On the other hand, you cannot customise freely with different add-ons as with other a la carte type car insurance plans.

You can get a discount off your premiums if you select “Authorised Workshops” only, or if you select “Off Peak Cars”. The latter is for drivers of “weekend cars” with red registration plates.

Find out more about HL Assurance Car Insurance

HL Assurance car insurance promo codes and promotions

Currently, HL Assurance is running a promotion where new customers with NCD30, NCD40 or NCD50 will be entitled to 25% off premium and a complimentary service of their choice.

The complimentary service options are Car Inspection, Silver Servicing package, 2-in-1 Air-Con Treatment or Paint Protection System, to be selected within six months of signing up. Note that certain car models and car usage are not eligible.

Find out more by visiting car insurance portal and Guide to Car Insurance.

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