NTUC Income Personal Mobility Guard: Will It Protect Your Bike?
NTUC Income Personal Mobility Guard: Will It Protect Your Bike?
ValueChampion Rating 
Pros
- Provides loss and damage coverage for bikes & scooters
- Cheaper than other similar PA plans on the market
- Can purchase online
Cons
- Is specific to personal mobility device accidents
- Doesn't cover damage/theft coverage for bikes
NTUC Income's Personal Mobility Guard may benefit consumers who frequently ride on a bicycle, e-scooter, skateboard or other personal mobility device. It may be especially beneficial for those who are looking for liability coverage, since this plan offers the highest third party liability coverage on the personal accident (PA) insurance market. Despite this, it does not offer coverage for damage to your bicycle, nor does it offer coverage for accidents that are unrelated to you using your bike. Thus, it is not be a good fit for those looking to insure their equipment or those looking for traditional PA policies.
Table of Contents
| Summary of NTUC Income's Personal Mobility Guard |
|---|
| Offers up to S$1,000,000 of personal liability coverage, highest on the market for PA plans |
| Doesn't cover damage or loss of your bicycle |
| Purchasable online |
NTUC Income Personal Mobility Guard Highlights
NTUC Income's Personal Mobility Guard plan is a personal accident policy that can benefit cyclists and e-scooter riders looking for accident and liability protection. It costs S$96 and offers S$1,000,000 of liability coverage, S$2,500 of medical expense coverage and S$200,000 of accidental death or permanent disability coverage. The most notable coverage is the liability coverage, which is higher than what you'll see even in traditional personal accident plans. Furthermore, compared to its direct competitor, it offers greater accidental death & disability coverage but less medical expense coverage.
While this plan may be a good option for consumers who are looking for high liability protection. For instance, those who commute on a bike or e-scooter daily may find comfort knowing they'll be protected if they get into a road accident with another person. Alternatively, this plan may not benefit those who are looking to get loss/damage coverage for their bicycle. Last, this plan won't provide enough coverage for those looking for traditional personal accident plans. This is because coverage only extends to you getting on, off and riding your personal mobility device.
Policy Exclusions
This policy does not cover accidents outside of Singapore, accidents unrelated to using your personal mobility device, and if you use your personal mobility device as part of your job. You will also not be covered for accidents arising from attempted suicide, criminal acts, provoked assault, or the use of alcohol/drugs. Furthermore, you will not be covered if you are participating in any kind of competition or professional sport.
Claims & Contact Information
You have 30 days to tell NTUC Income about any claimable event. To reduce the chance of a claim denial, you should make sure you submit all the relevant documentation including claims forms, medical invoices and police reports. You can submit claims via post to the claims service centre (written below) or by visiting your nearest Income branch.
| Contact Information | |
|---|---|
| Customer Care Hotline | +65 6788 1111 |
| Claim Hotline | +65 6788 6616 |
| Customer Care Email | Enquiry Form |
| Claim Servicing Branch | 75 Bras Basah Road, NTUC Income Centre, Singapore 189557 |
NTUC Income Personal Mobility Guard Cost & Features
NTUC Income's Personal Mobility Guard can be a good fit if you want protection while riding your bike, e-scooter or other personal mobility device. However, it may not be the best option if you are looking for traditional PA plans. If you'd like to compare NTUC Income's Personal Mobility Guard to other personal accident insurance plans on the market, please read our comprehensive guide to the best personal accident plans in Singapore.
| Premium & Benefits | Personal Mobility Guard |
|---|---|
| Premium | S$96 |
| Accidental Death | S$200,000 |
| Permanent Disablement | S$200,000 |
| Medical Expense Coverage (S$100 Excess) | S$2,500 |
| Personal Liability | S$1,000,000 |
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Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.