Ultimate Car Protector

Ultimate Car Protector ¹ is a motor insurance plan which provides comprehensive protection for you and your car.

Our Benefits include:

Enhanced Gap Cover Benefit of up to $100,000²
Transport allowance of $50 per day while your car is being repaired at the workshop³
Flexibility in choosing your preferred workshop

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Gap Cover Benefit² to protect you from any financial shortfall

Should a total loss take place due to an accident or theft of your car, or, in the event the unforeseen happens and accidental death or total permanent disability arises, Gap Cover Benefit will help to cushion any financial shortfall of up to S$100,000 due to a difference between your outstanding car loan and the market value of your car.

Unlimited protection for your windscreen and windows

Ultimate Car Protector takes care of the replacement of your car's windscreen or windows, in the event of damage. This includes your car's standard-fitted sunroof. You do not have to bear any cost and your No Claim Bonus remains intact.

Enjoy Overseas Vehicle Excess cover

The policy reimburses you of up to $500 for the excess in the event of collision or theft of the car you have rented during your trip overseas.

Enjoy the flexibility of choosing your preferred workshop

In the event of an accident, you are free to select your preferred workshop or send your car to the manufacturer's agent for repairs. The choice is yours.

Transport Allowance Benefit

In the event that you need to leave your car at the workshop for repair as a result of an accident, you will receive $50 per day, up to 5 days. This certainly helps you to better manage the inconvenience without disrupting your plans and routine.

Protection for your personal belongings

In the event of an accident, you are free to select your preferred workshop or send your car to the manufacturer's agent for repairs. The choice is You will enjoy protection of up to $500 on your personal belongings in the event of loss arising from vehicle break-in. What's more, you can claim from the very first dollar, without affecting your No Claim Bonus!

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Click here for terms and conditions

1. Ultimate Car Protector is a product of and underwritten by MSIG Insurance (Singapore) Pte. Ltd. (“MSIG Insurance”) and not Standard Chartered Bank.

2. This benefit is to cover the financial shortfall when there is a difference between your outstanding car loan and the market value of your car. It is payable in the event of the total loss of the car due to accident, fire or theft; or in the event the insured suffers from accidental death or permanent disablement, subject to Policy Terms and Conditions.

3. This benefit is payable up to a maximum of five days, subject to Policy Terms and Conditions.

4. Cashcard is only applicable for new application and while stocks lasts. Persons who are holding valid MSIG Insurance (Singapore) Pte. Ltd’s Private Motor Insurance policies are not eligible for this promotion. Promotion is not valid with other on-going promotions, discounts, offers, vouchers, rebates or privileges. Other promotion terms and conditions apply.

5. This promotion is jointly organised by Standard Chartered Bank and MSIG Insurance (Singapore) Pte. Ltd. ("MSIG") (collectively, the "Organisers").

6. Promotion Period: 1 March 2012 to 30 June 2012, both dates inclusive ("Promotion Period").

7. For each Ultimate Car Protector Insurance Policy purchased from MSIG during the Promotion Period with premium fully paid during that period, you will receive a cash card ("Gift").

8. The Gift is not transferable or exchangeable for cash, credit or any other item in part or in whole.

9. The Organisers may at their sole discretion at any time and without prior notice substitute or replace the Gift with any other gift of equal or higher value.

10. You accept the Gift as it is and subject to any terms and conditions that the supplier of the Gift may impose. The Organisers make no representation or warranty whatsoever as to the quality or fitness for purpose or any other implied terms or conditions with respect to any Gift.

11. The Organisers are not obliged to assist or act on your behalf in communicating with the supplier of the Gift relating to the redemption of the Gift or for any other reason.

12. The Organisers will not be liable for any injury, loss or damage whatsoever arising in connection with the Gift.

13. The Organisers may vary the Terms and Conditions of this promotion without prior notice or withdraw or discontinue the promotion at any time without any notice or liability to you. The Organisers’ decision on all matters relating to this promotion shall be at their absolute discretion and will be final and binding.

14. If you cancel your Ultimate Car Protector Insurance Policy at any time before policy expiry for whatever reason, MSIG reserves the right to deduct the value of the Gift from the refund premium allowed under the policy, if any.

15. Any Gift that is not collected within the stipulated deadline will be forfeited.

16. In the event of any inconsistency between these Terms and Conditions and any brochures, marketing or promotional materials relating to the promotion, these Terms and Conditions shall prevail.

17. A person who is not a party to these Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act (Cap.53B) to enforce any of these Terms and Conditions.

18. These Terms and Conditions are governed by and construed in accordance with the laws of the Republic of Singapore and you agree to submit to the exclusive jurisdiction of the courts of the Republic of Singapore.