Private Car - Ensure

Yes. Excess is payable for your own damage claims according to the terms and conditions of your policy.

For an unamed driver, an additional excess applies. This amount is stated on your Certificate of Insurance / Schedule in the policy.

The market value (at the time of loss) is determined by looking at the recent transactions for the same model and age of vehicle. These transacted values are reported in various publications, such as newspaper, car magazines, motoring guides and information from car dealers.

Yes, this protector can be purchased provided you have a No Claim Discount of 50%. It protects your NCD following an accident. However, this NCD protector is:

a) not transferable to another Insurance Company. In the event that your Policy is cancelled after a claim, the normal NCD reduction shall apply.
b) not applicable to any accident involving the loss of NCD as a result of non-accident reporting or late accident reporting as set out in the terms, conditions and exceptions of the Policy

You can increase your buy up excess to reduce your premium

Yes, you will have to pay the repair cost when you collect the vehicle. However, private arrangements can be discussed between the car owner and the workshop.
Our workshops can assist you in making third party claims if they repair your vehicle and the accident is clearly not caused by you or your insured driver.

You have to lodge a police report in Malaysia and have the vehicle towed back to Singapore for repair.
It may take a longer time to arrange for a tow service from Malaysia depending on the location of the accident. The nearest Malaysian towing service provider in the area will tow the vehicle to the Causeway and handover the vehicle to the Singapore towing service.

You must notify Insurer or contact Ensure immediately upon receiving such documents. Any delay on your part may make it more difficult to handle the claim.
As the facts of an accident will be different from case to case we will need to evaluate each case on its own merits and handle the claims accordingly by the claims department.