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MSIG MotorMax Car Insurance Review

Insure your ride with MSIG's affordable and comprehensive car insurance.

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MSIG MotorMax is a comprehensive car insurance policy that protects you from expensive mishaps on the road — be it running up the back of another car, or getting caught in a nasty flood.

Take a closer look at how MSIG MotorMax car insurance works in this review.

Name Product Accidental Damage Roadside Assistance New Car Replacement Choice of Repairer Guarantee on Repairs
MSIG Private Motor MotorMax Car Insurance
Yes
Yes
Yes
No
N/A
Apply online and get S$150 shopping vouchers plus $150 car grooming vouchers. T&Cs apply. Valid until 31 Oct 2021.
MSIG Private Motor MotorMax Plus Car Insurance
MSIG Private Motor MotorMax Plus Car Insurance
Yes
Yes
Yes
Yes
N/A
Apply online and get S$150 shopping vouchers plus $150 car grooming vouchers. T&Cs apply. Valid until 31 Oct 2021.
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Quick verdict

Good for
  • Reputable brand with 30+ authorised workshops
  • 24-hour roadside assistance
  • Medical expense benefit (up to S$1,000 each) for insured drivers and passengers
Not so great for
  • Basic level of coverage
  • MSIG authorised workshops only
  • Steep excess charge for drivers aged 27 and below

Limited offer

Receive up to S$150 worth of shopping vouchers and S$150 off car grooming when you sign up for an MSIG MotorMax or MotorMax Plus policy online.

Valid till 31 October 2021. Terms and conditions apply.

How do the policy features compare?

Here’s an overview of the benefits:

Benefits summaryMotorMax
Coverage of insured vehicle against accidental loss or damageUp to the insured vehicle’s market value at the time of loss or damage
Liability to Third Parties
Death or bodily injury to any personUnlimited
Damage to propertyS$5,000,000
Personal Accident Benefits
PolicyholderS$20,000
Authorised driver and/or passengerS$10,000
Medical Expenses
PolicyholderUp to S$1,000
Authorised driver and/or passengerUp to S$1,000 each
Other Benefits
Choice of repairerMSIG authorised workshops only
Transport allowance
New car replacement
Loan protection benefits
Windscreen cover
24-hour automobile and medical assistance services
Overseas emergency medical evacuation and repatriationUp to S$50,000

What am I covered for?

  • Cover for loss or damage. MSIG MotorMax car insurance provides cover if your car is damaged as a result of a collision, fire and theft, including falling trees, flood, and malicious acts caused by unknown persons. This includes cover for the cost of recovering, towing and storing your car (up to S$500) if it is unsafe to drive as a result of the damage.
  • Coverage up to the insured vehicle’s market value. The policy will cover your car up to its current market value at the time of loss/damage.
  • Personal accident cover. You and your family will be compensated for injuries and death sustained in a car accident – up to S$20,000 for the policyholder, and up to S$10,000 for authorised driver and/or passenger.
  • Liability to third parties. MSIG provides unlimited third party liability coverage for death/injury to the other person, and up to S$5 million of property damage coverage.
  • Medical expenses. You and your passengers are entitled up to S$1,000 each for medical expenses.
  • Windscreen benefit. MSIG MotorMax policy includes coverage for the repair or replacement cost for the glass (windscreen and windows) in the insured vehicle, including the in-vehicle unit (IU). Do note that each windscreen claim is subject to an excess of S$100, unless it is repaired instead of a replacement.
  • Legal services cover. The policy may cover up to $3,000 for the legal defence services of any charge of causing death arising from the use of your car.

MSIG car insurance add-on

Add-ons are optional extras designed to enhance the coverage of your basic car insurance policy. As of September 2021, MSIG car insurance only offers the following add-on: NCD Protector.

NCD Protector

With the NCD Protector, you can make one claim within the period of insurance, and still have the NCD entitlement fully protected. Do note that this add-on is only available to policyholders with an NCD of 30% or higher.

What is a No Claim Discount (NCD)?

A no claim discount (NCD) is an annual reduction in the cost of your car insurance if you did not make any claim on your vehicle for a year or more.

This means that for every consecutive year you remain claim-free, you’ll earn a bigger discount on your motor insurance premium. Here’s how it works:

NCD at the inception date of the policy
No. of claims30%40%50%
040%50%50%
130%40%50%
20%10%20%
3 or more0%0%0%

Are there any exclusions I should be aware of?

MSIG will not be liable to pay for the car insurance claim if the insured vehicle was:

  • Driven outside the stated geographical area
  • Driven by an unlicensed driver, or someone who is not listed on your certificate of insurance
  • Driven by someone under the influence of alcohol or any other drug
  • Driven in an unsafe, unroadworthy or overloaded condition
  • Used to carry passengers or other people’s goods for payment
  • Used or driven with unapproved modifications
  • Used for hire or reward (such as racing, trials, tests, contests and rallies)
  • Used for any unlawful purpose
  • Used to carry explosive, flammable or toxic goods
  • Carrying more people, or a larger load than the legal limit
  • Lawfully seized or repossessed
  • Sustained tyre damage caused by punctures, cuts or bursts
  • Damaged due to modification or incorrect fuel
  • Damaged due to abuse, corrosion, depreciation, wear and tear, negligence, mechanical or electronic breakdown, malfunction or failure
  • Subjected to a deliberate, intentional, malicious or criminal act by you, anyone person driving your car, or anyone else acting with your consent

    Other things to know about MSIG MotorMax policy

    • Excesses payable. A basic excess applies to all claims under your MSIG MotorMax car insurance policy. For drivers under 27s and those who haven’t held their driver’s licence for at least 2 years, there’ll be an additional S$3,000 excess for each claim. Windscreen replacement is also subject to a S$100 excess.
    • 24/7 automobile assistance. You may request emergency assistance (including towing, lockout or battery jumpstart) and medical services with MSIG’s 24/7 hotline. MSIG will also bear up to S$500 for the protection and removal of your vehicle to the nearest repairers.
    • Instant quotation. Receive a quick and personalised quotation within minutes. If you’re still undecided, you may also save and retrieve your application online within 30 days.
    • Convenient payment option. Make fast and secure payments for your MSIG insurance policies with PayNow.

      Making a claim

      If you suffer an accident or a vehicle breakdown, be sure to stay calm and follow the proper procedure to make a claim:

      • Document all the damages sustained by the vehicles involved in the accident, accident scene and record details of witnesses (if any).
      • Bring your vehicle to an MSIG authorised workshop for accident reporting and inspection within 24 hours or by the next working day.
      • If there’s any personal injury, call 999 for police assistance immediately.

      How to apply for MSIG MotorMax Car Insurance?

      If you’ve compared your options and decide to insure your wheels with MSIG MotorMax, click on the ‘Apply now’ button to get an instant quotation. Complete a quick 5-step application process, make payment and you’re done!

      Bottom line

      Overall, the MSIG MotorMax policy is one of the more affordable car insurance available in the market. Plus it comes with a handy medical expense benefit that extended to your passengers, up to the legal seating capacity – which is a rare feature that’s typically limited to pricier plans.

      Do keep in mind that MSIG MotorMax only offers a basic level of coverage with lower payouts, and imposes a stiff excess charge for younger drivers aged 27 or below.

      However, if you’re budget-conscious or looking to insure an older car, the MSIG MotorMax would certainly suffice.

      Want to drive with greater peace of mind?

      If you prefer more extensive coverage, check out MSIG MotorMax Plus for these extra benefits:

      • Car loan protection. MSIG offers loan protection benefits of up to S$100,000 to cover any outstanding car loan should the policyholder dies in a car accident.
      • New for old replacement. If your car is less than 12 months old and deemed irreparable after an accident, MSIG will replace it with a brand new vehicle of the same make, model and engine capacity.
      • Transport allowance. Receive a transport allowance of S$50 per day (up to 10 days) if your car repair takes more than three days.
      • No restriction on workshops. Option for accident repairs to be done at an authorised agent’s workshop or a workshop of your choice.

      Compare MSIG car insurance policies

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