Allianz Travel Insurance & Motor Protect: Keeping You Safe Wherever You Go
Allianz has many different types of insurance policies for all kinds of situations. Whether it be for travel, home, motor, or corporate solutions, Allianz has got you covered. In particular, we are going to expand on the Allianz Travel and Allianz Motor Protect insurance plans, designed to keep you safe no matter where you go.
Allianz Travel Insurance
Consider this if
you want to maximise travel inconvenience coverage
|
|---|
| Promotion:
|
With COVID-19 restrictions easing in many countries, more and more people are looking ito travelling and going on vacations to other countries. Just like the pandemic was unexpected, there are also many uncertainties and unexpected situations that may occur while overseas. Allianz Travel Insurance plans provide cover for all kinds of needs and preferences for all individuals.
Types Of Allianz Travel Insurance Plans
Annual Plans: For Frequent Travellers
If you are a frequent traveller, the Annual multi-trip travel insurance plans would be the perfect plan for you! The plans cover all trips made throughout the entire year, each trip for a maximum of 90 days. For any trip that is more than 90 days, you could also make an extension to the insurance policy by applying through Allianz. In these cases, they will issue a new single-trip policy to cover the additional days for a maximum of up to 30 days.
| Silver | Platinum | |
|---|---|---|
| Prices | From S$791 | From S$1392 |
| Trip Cancellation Coverage |
| Up to S$15,000 Travel Agent Insolvency: S$2,000 |
| Trip Interruption Coverage | Up to S$10,000 | Up to S$15,000 |
| Travel Delay Coverage |
|
|
| Baggage Coverage |
|
|
| Baggage Delay Coverage |
|
|
| Emergency Medical/Dental Coverage |
|
|
| Emergency Transportation Coverage |
|
|
| Personal Liability Coverage | Up to S$800,000 | Up to S$1,000,000 |
| Travel Accident Coverage |
|
|
| Rental Vehicle Excess | Up to S$1,500 | Up to S$3,000 |
| Loss of Travel Documents | Up to S$250 | Up to S$500 |
| Personal Money | Up to S$500 | |
| Cruise Coverage | ||
| Missed Port of Call |
| |
| Cabin Confinement | Up to S$1,000 | |
| Low of High Water |
| |
| Missed Shore Excursion(s) | Up to S$1,500 | |
| Denied Boarding | Up to S$25,000 | |
| Sports Coverage | ||
| Missed Activity | Up to S$1,500 | |
| Sporting Equipment Coverage | Up to S$7,500 | |
| Sports Equipment Rental Coverage | Up to S$7,500 | |
| Search and Rescue Coverage | Up to S$10,000 |
| Bronze | Silver | Platinum | |
|---|---|---|---|
| Prices | From S$28 | From S$40 | From S$64 |
| Trip Cancellation Coverage |
|
| on_current="true" Up to S$15,000 Travel Agent Insolvency: S$2,000 |
| Trip Interruption Coverage | Up to S$10,000 | Up to S$15,000 | |
| Travel Delay Coverage |
|
| |
| Baggage Coverage |
|
|
|
| Baggage Delay Coverage |
|
|
|
| Emergency Medical/Dental Coverage |
|
|
|
| Emergency Transportation Coverage |
|
|
|
| Personal Liability Coverage | Up to S$800,000 | Up to S$1,000,000 | |
| Travel Accident Coverage |
|
| |
| Rental Vehicle Excess | Up to S$1,500 | Up to S$3,000 | |
| Loss of Travel Documents | Up to S$250 | Up to S$500 | |
| Personal Money | Up to S$500 | ||
| Cruise Coverage | |||
| Missed Port of Call |
| ||
| Cabin Confinement | Up to S$1,000 | ||
| Low of High Water |
| ||
| Missed Shore Excursion(s) | Up to S$1,500 | ||
| Denied Boarding | Up to S$25,000 | ||
| Sports Coverage | |||
| Missed Activity | Up to S$1,500 | ||
| Sporting Equipment Coverage | Up to S$7,500 | ||
| Sporting Equipment Rental Coverage | Up to S$7,500 | ||
| Search and Rescue Coverage | Up to S$10,000 |
Family Travel Insurance
Family Travel Insurance plans provide insurance for you and the members of your family who travel with you on the trip. This includes dependent children of all ages under 18 (or under the age of 23 if they are full-time students) and 2 adults in your family. Family travel insurance can be applicable for both single trips and annual multi-trip insurance.
| Bronze | Silver | Platinum | |
|---|---|---|---|
| Prices | From S$65 | From S$95 | From S$153 |
| Coverage | Identical to Single Trip Travel Insurance |
COVID-19 Coverage
As of 28th January 2021, the COVID-19 coverage below is included in each of the insurance plans as a standard.
As there are some countries with travel bans, it is important to check that there is no travel ban for your destination before purchasing the insurance plans. If not, this will lead to limited coverage and you may not be able to get full coverage.
| Bronze | Silver | Platinum | |
|---|---|---|---|
| Prices | From S$28 | From S$40 | From S$64 |
| Emergency Medical / Transportation (Getting COVID-19 Overseas) |
|
|
|
| Trip Cancellation (Diagnosed with COVID-19 Before) | Up to S$5,000 coverage if you or an accomplice get COVID-19 before trip | Up to S$10,000 coverage if you or an accomplice get COVID-19 before trip | Up to S$15,000 coverage if you or an accomplice get COVID-19 before trip |
| Trip Interruption (Diagnosed with COVID-19 During Trip) | Up to S$10,000 coverage if you or an accomplice get COVID-19 during trip | Up to S$15,000 coverage if you or an accomplice get COVID-19 during trip | |
| Travel Delay (Need To Quarantine) | Up to S$1,500 if you or an accomplice are required to quarantine during your trip. Part of Delay coverage. Limit per 24-hour period $400 (with receipts) | Up to S$2,000 if you or an accomplice are required to quarantine during your trip. Part of Delay coverage. Limit per 24-hour period S$400 (with receipts) | |
| Unlimited Emergency Transportation is provided following a medical emergency while on your trip. This includes emergency local emergency transportation and medical repatriation to Singapore if needed. (For all plans) | |||
They do cover unexpected medical costs, cancellations and cutbacks due to COVID-19. However, if you, your travelling companion, or your family member suffers from a pre-existing medical condition, you may not make any claims pertaining to such pre-existing conditions.
You will also not be able to make any claims if you are travelling with the purpose of medical treatments overseas. During an emergency, you may call the Allianz emergency phone number without any charge made to your account as a reverse charge is applied.
- Be an ordinarily Singapore resident
- Purchase the policy in Singapore before the start of the trip
- Intend to return to Singapore after the trip
- The departure date on the policy reflect the original date to begin the travel, as shown on the travel itinerary
Allianz can also cancel insurance policies on their end in circumstances they deem necessary. These include:
- Failure to comply with your duty of utmost good faith
- Failure to comply with a provision of the policy, including a provision relating to the payment of the premium
- Making a fraudulent claim under the policies
Allianz Motor Protect
Consider this if
you want a car insurance plan that offers adequate protection at an affordable cost
|
|---|
| Promotion:
|
To be eligible to drive in Singapore, motor insurance is mandatory before you drive your car on the roads. With Allianz Motor Protect, you can be insured to drive in Singapore, West Malaysia, and some parts of Thailand - within 80km of the border of Malaysia.
The Allianz Motor Protect policy is regulated and follows the Motor Vehicles (Third-Party Risks and Compensation) Act (Chapter 189 of Singapore), Motor Vehicles (Third-Party Risks and Compensation) Rules of Singapore, Road Transport Act 1987 of Malaysia, and any subsequent revisions.
Allianz Motor Protect comes with the following perks:
- Lifetime Warranty on Repairs
- Agreed Car Value at Start of Policy Period: for no disagreements about car value depreciation
- Flexible Excess
- ‘New For Old’ Replacement Car
- Complimentary 24/7 Roadside Assistance
- Complementary Courtesy Car: whenever your car is being repaired
| Third-Party Only | Third-Party Fire and Theft Only | Comprehensive | |
|---|---|---|---|
| Loss or damage to car by accident or theft | X | X | ✓ |
| Loss of damage to car by fire and theft only | X | ✓ | ✓ |
| Taxi Reimbursement | X | ✓ | ✓ |
| Towing Costs | X | X | ✓ |
| Authorised Repair Limit | X | X | ✓ |
| Damage to Third-Party Property | ✓ | ✓ | ✓ |
| Death or Injury to Third-Party | ✓ | ✓ | ✓ |
| Legal Representation and Defence | ✓ | ✓ | ✓ |
| "New for Old" Replacement Car | X | X | ✓ |
| Courtesy Car | X | X | ✓ |
| Daily Transport Allowance | X | X | ✓ |
| 24/7 Roadside Assistance | X | X | ✓ |
| Lifetime Warranty on Repairs | X | X | ✓ |
| Unlimited Windscreen Cover | X | X | ✓ |
| Optional Cover with No Additional Premium | |||
| Agreed Value Payout at Total Loss | X | X | ✓ |
| Optional Cover with Additional Premium | |||
| No Claim Discount (NCD) Protector | ✓ | ✓ | ✓ |
| Repairs At Any Workshop | X | X | ✓ |
| Personal Accident and Medical Expenses | X | X | ✓ |
Eligibility to Purchase Insurance
- Holding a valid Singapore identification document such as a Singapore NRIC, Employment Pass, Work Permit, Long Term Visit Pass, Student Pass, Dependent’s Pass, or other recognized work pass entitling the holder thereof to remain, or enter and remain, in Singapore
- Holding a valid driver’s licence
Even if one is not a Singaporean, one can still purchase the insurance if the car is legally registered in Singapore under the relevant Singapore Road Traffic Act.
No Claim Discount
A No Claim Discount (NCD) can be claimed if no claim has been made under your account policy for a year or more. However, this NCD cannot be transferable to another person except to your spouse for a one-time transfer.
| No Claim Period | Discount on Premium |
|---|---|
| 1 Year | 10% |
| 2 Consecutive Years | 20% |
| 3 Consecutive Years | 30% |
| 4 Consecutive Years | 40% |
| 5 Consecutive Years | 50% |
What To Do In Case Of An Accident
In case of a car accident, it is important to remain calm and exchange particulars with the other driver. These include name, NRIC, phone number, name of insurer, and the vehicle number involved.
While you may not be filing a claim with your insurer, under the Motor Claims Framework (MCF), it is required that all motor accidents, regardless of the damage, must be reported to your insurer within 24 hours or the next working day.
Should you fail to report the accident within the required time frame, you may face the following consequences:
- Your Insurer may repudiate liability and you will have to cover the repair costs and any Third Party claims made against you
- Your insurer may cancel or decline the renewal of your policy
- Your No Claims Discount (NCD) will be docked upon the renewal of your policy
If only a portion of the vehicle is damaged, Allianz will be liable to pay the market value of that part of the car and the reasonable costs of fitting parts.
New For Old Replacement Car
When an accident happens within the first 24 months of the first registration in Singapore and the car is damaged that cannot be repaired, Allianz may:
- Replace the car with a new car of the same maker, model, and engine capacity as your old vehicle; or
- If the same car is not available, replace it with a new vehicle of the similar maker, model, and engine capacity; or
- Pay cash equivalent instead of the above points.
There are some exclusions where the Allianz Motor Protect policy will not cover. These include:
- If the driver was under the influence of alcohol, drugs, or other intoxicating substances, Allianz does not cover for the driver under the Motor Protect policy and under the Road Traffic Act; and/or
- If they use the vehicle to practise or take part in any motor sport or competition, rally, racing, or a speed test; and/or
- For an unlicensed driver; and/or
- Failing to take precautions and leaving the car unattended, preventing further loss or damage.
If you are not satisfied with the Allianz Motor Protect policy and would like to cancel the policy, you will receive an 80% refund of the pro-rata premium at any time by giving a 7-days notice in writing. However, a refund is not available if you have already reported an accident claim, any third party has lodged a claim against you, the policy has paid a claim, you have outstanding liability, or the premium refund is less than SGD25 (before GST).
After cancelling, you have to return the original Certificate of Insurance to Allianz or declare that the certificate has been lost or destroyed for the refund.
The #VCWorld S$10K Metaverse Treasure Hunt is now live
Click the banner below to join in the fun & walk away with S$10,000 in cash & more!
