AXA car insurance has redefined the way people insure their car with the launch of SmartDrive three years ago. With SmartDrive, car owners can select and pick coverage to meet their specific needs. AXA conducted a survey a few years back, the results of which indicated that customers from different segments have different needs when it comes to car insurance. As a result, AXA came up with flexible plans that provide customers the liberty to select and pay only for the benefits they require.
AXA Car Insurance Overview
Whether you are travelling in your car for business or pleasure, you deserve the best protection. With 7 core plans and several other add-ons and packages to choose from, AXA SmartDrive is ever-ready to offer customized car insurance plans, tailor-made for their customers. Not only does car insurance policies meet lifestyle needs, but they are also affordable.
Types of car insurance provided by AXA
With SmartDrive Essential, you will get all standard and critical security with 24/7 transportation and towing, along with assured repairs for 12 months.
With SmartDrive Flexi, you will get the standard and important safety cover combined with the flexibility of choosing your own workshop, flood protection, dental and medical expenses.
SmartDrive for Her
The ‘SmartDrive for Her’ plan is designed solely for women. With this plan, you will get your excess waived from the third year of the policy. This plan also comes with roadside support and phone assistance.
SmartDrive Essential Plus
With SmartDrive Essential Plus, in addition to what is available with SmartDrive Essential, you also get daily transport allowance, car protector, and delivery of your repaired car to your chosen place.
SmartDrive Flexi Plus
With SmartDrive Flexi Plus, in addition to what is available with SmartDrive Flexi, you also get daily transport allowance, car protector and delivery of repaired car to your chosen place.
SmartDrive Flexi Family
With SmartDrive Flexi Family you can enjoy comprehensive safety for your family members. You will also get better protection with loss of personal effects, personal accident coverage, and the excess will be waived for an inexperienced driver.
Peace of Mind
This is the most comprehensive and holistic coverage that covers every eventuality. You will get better coverage with 24/7 transportation and towing, flood protection, loss of personal effects and delivery of your car to the chosen location after repair.
Features and Benefits of AXA car insurance plan
In addition to the numerous features and benefits that you get with your customised AXA car insurance, there are a few value-added packs that you can add to any of the plans mentioned above to target specific concerns that will be available for a higher premium. Here is a list of these value-added packs:
- Claim Protector
The plan comes with excess waiver and No Claim Discount protector. You cannot purchase this value-added pack online.
- Family Protector
With this value-added pack, you will get protection for loss of personal possessions, personal accident, medical and dental expenses, monthly grant and excess for an inexperienced driver will be waived. You cannot purchase this pack online.
- Overseas Protector
With this value-added pack, you will get an overseas allowance together with protection for loss of personal possessions, hotel accommodation, medical and dental expenses and a courtesy car for your personal use overseas. You cannot buy this pack online.
- Duo Protector
This value-added pack comes with daily transport allowance, coverage for personal accident, monthly allowance if you are permanently disabled, medical and dental expenses, excess reduction for a couple. You cannot purchase this value-added pack online.
- Protector Plus
With this value-added pack, you will get daily transport allowance, car protector, delivery of repaired car and renewal discount. You cannot purchase this value-added pack online.
Some of the other add-on benefits that you can include with your AXA car insurance are:
A grant that you will receive if you are permanently disabled in a car accident.
Personal accident for passengers
With this benefit, you and your passengers will be covered for up to S$20,000 if you are involved in a car accident.
Medical and dental expenses
With this benefit, you will get coverage for your medical and dental expenses of up to S$5,000 per person if you are involved in a car accident.
Phone assistance and roadside support
With this benefit, you will get assistance if your vehicle breaks down or if it is immobilised on the road.
With this benefit, you will get coverage for your car accessories for up to S$2,000 without having any impact on your No Claim Discount.
No Claim Discount (NCD) Protector
With a No Claim Discount Protector, you will be able to protect your NCD for all types of accidents and claims.
With car protector, you will get 110% the market value of your car if it is stolen or damaged completely during an accident.
Personal Accident for Driver
With this benefit, you will be able to pick from an amount insured of $50,000, $100,000, $200,000 or $500,000.
Courtesy Car in Singapore
With this benefit you will get a courtesy car from AXA when your car is under repair after an accident.
You will be able to double your own damage excess in exchange for a concession in your premium amount.
With this benefit your basic own damage excess will be waived.
No Claim Discounts offered by AXA
NCD or No-Claim Discount, is a discount that you will get in return for not making any claims during a year. For private cars, the No Claim Discount will be as follows:
|5 years or more||50%|
What does AXA car insurance policy cover?
|Benefits||Flexi Family||Essential Plus||Flexi Plus||For Her||Peace||Flexi||Essential|
|Roadside Support and Phone Assistance||No||No||No||Yes||No||No||No|
|Third party only||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Excess waiver from third year||No||No||No||Yes||No||No||No|
|Third party fire and theft||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Delivery of repaired car||No||Yes||Yes||No||Yes||No||No|
|Greater flood protection||Yes||No||No||Yes||Yes||Yes||No|
|24/7 transportation and towing in Singapore or overseas||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Excess waiver for inexperienced driver||Yes||No||No||No||No||No||No|
|Coverage for windscreen||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Loss of personal belongings||Yes||No||No||No||Yes||No||No|
|Daily transport allowance||No||Yes||Yes||Yes||No||No||No|
|Guaranteed repair for 12 months||No||Yes||No||Yes||Yes||No||Yes|
|Dental and medical expenses||Yes||Yes||Yes||Yes||Yes||Yes||No|
|Workshop of your choice||Yes||No||Yes||No||No||Yes||No|
With AXA car insurance, you will not get any coverage under the following circumstances:
- When your car is used for a purpose other than what is mentioned in the policy.
- When your car is driven by a person who is not authorised to drive your car.
- When your car is not registered as per the Road Traffic Act 1985 or when its registration is cancelled.
- When your car or some of its accessories are stolen as a result of lack of proper care.
- You have taken responsibility for something through an agreement which would not have existed otherwise.
- If you or any person driving the car is found driving under the influence of alcohol, suspended from driving the car or does not have a proper driving license.
- Any damage to the car caused as a result of an act of a foreign enemy, war, invasion, riots, demonstrations and more.
How to make a claim?
If you want to file a claim for your AXA car insurance, you will have to take the following steps:
- If you want to have your claim processed faster, submit your claims form online or download the editable PDF form.
- If you are submitting a paper claim, submit it along with the necessary supporting documents to AXA directly or through an insurance consultant.
- A claims specialist from AXA will review and assess your claims form.
- If everything is alright with your claim, the settlement amount will be paid to you.
AXA car insurance renewal
You can renew your AXA car insurance by getting in touch with AXA on their customer service hotline at 1800 880 4888, by visiting AXA’s Customer Service Center (AXA Tower, 8 Shenton Way - B1) or by email. You can also renew your car insurance by getting in touch with your broker or agent. You will also get a reminder from AXA before your policy expires with a link to renew it, if you have given AXA your email address when signing up for the policy.
How to cancel AXA car insurance?
If you no longer want to continue using your AXA car insurance, you can cancel it by calling the customer hotline number. Otherwise, you can send AXA an email with all the policy details. AXA will get back to you and proceed with canceling your policy. Once your policy is cancelled, you will get a cheque by post with your refund sum.
Frequently Asked Questions
Q. Will I get coverage if I am involved in an accident outside Singapore?
A. Yes, you will get coverage outside Singapore in the following regions:
- West Malaysia.
- Direct sea route across the straits between Singapore, Changi Point and Johor, Tanjong Belungkor and Peninsular Thailand.
- Transit by direct sea route across the straits between West Malaysia and Penang.
Q. Does the No Claim Discount apply to my vehicle or to me?
A. The No Claim Discount is associated with you and not your car. So, if you sell your old car the No Claim Discount will continue to be with you. If you purchase a new car, the same NCD will be valid on your new car.
Q. Whom should I get in touch with if I need towing services?
A. If you are in Singapore, you can call 1800 880 4888. If you are overseas, you can call +65 6322-2566. You can also get in touch with AXA’s premium workshops directly.
Q. What is an Own Damage claim?
A. A claim that you make under your own policy is known as Own Damage claim. If you have made an Own Damage claim, you will have to pay the normal excess mentioned in your insurance policy document. Your No Claim Discount may get affected under such circumstances.
Q. If I am involved in an accident overseas, but need medical treatment once I am back, will I get coverage?
A. Yes, you will get coverage if the accident took place in the policy coverage area. But, this benefit is not valid for people holding an Essential Plan.