🚗 Comprehensive – Full Protection for You and Your Car

Comprehensive policy is the fullest level of cover, protecting your liability to others and your own car against accidents, fire, theft, natural disasters and windscreen damage.

With options like 24 Months New for Old Replacement and a Lifetime Repair Guarantee at authorised workshops, it is built for drivers who want complete peace of mind on every journey.

What Comprehensive Covers

‍Comprehensive protects you from every angle, your liability to others and damage to your own car.

Own car, all accidents: covered up to its market value, even when the accident is your fault
Third-party bodily injury: unlimited cover if you injure someone
Third-party property damage: up to $5,000,000
Fire and theft: your own car covered up to market value
Natural disasters and acts of God: covered up to market value
Windscreen and window breakage: repair or replacement cost
Accident towing in Singapore, up to $200
Lifetime Repair Guarantee on repairs at authorised workshops, for as long as you stay insured
The full range of optional add-ons, including 24 Months New for Old Replacement

Who Comprehensive Is For

Newer cars and cars still under financing, where a write-off would be a real financial hit
Drivers who want their own car protected, not just their liability to others
Less experienced drivers who value the widest safety net
Anyone who wants full peace of mind without thinking about what is and isn't covered

Good to Know

‍Comprehensive is the most complete cover available, so there is little it leaves out.

If your car is older or lower in value, you may prefer Third-Party, Fire & Theft or Third-Party Only for a lower premium.

If you want the fullest protection, including your own car in an accident, Comprehensive is the one to choose.

Compare our motor cover

✓ included or available, ✗ not available at this tier. Underwritten by DirectAsia (Auto & General Insurance (Singapore) Pte. Ltd.). Limits are indicative; refer to the policy wording for full terms.
Benefit	TPO	TPFT	Comprehensive
Core cover
Third-party bodily injuryInjury you cause to others	✓	✓	✓
Third-party property damageUp to $5,000,000	✓	✓	✓
Own damage, fireUp to market value	✗	✓	✓
Own damage, theftUp to market value	✗	✓	✓
Own damage, all accidentsUp to market value	✗	✗	✓
Own damage, natural disaster / act of GodUp to market value	✗	✗	✓
Windscreen / window breakageRepair or replacement cost	✗	✗	✓
Accident towing (Singapore)Up to $200	✗	✓	✓
Optional add-ons
Personal Accident (driver)Up to $500,000	✓	✓	✓
Medical expenses (driver & passengers)Up to $3,000 per person	✓	✓	✓
NCD Protection1 claim per year	✓	✓	✓
My WorkshopOwn choice of garage	✗	✓	✓
24-Hour Breakdown AssistanceLabour & towing	✗	✓	✓
Loss of Use$50/day, up to 10 days per accident	✗	✓	✓
Repatriation$200/person + up to $3,500 towing	✗	✓	✓
New for Old ReplacementCost of replacing car, first 24 months	✗	✗	✓
My AccessoriesDeclared accessories	✗	✗	✓

Current Promotions

Save more when you sign up for a new DirectAsia policy through AAS Insurance Agency.

⛽

Up to $100 Shell Fuel Vouchers

Plus free 24-Hour Breakdown Assistance with a new car policy.

🎉

1 Month Free for Seniors

Drivers aged 56 to 70 get 1 month free with a new car policy.

CODE: SC1MONTH

⚡

$100 Voucher for Electric Cars

Redeem a $100 eCapitaVoucher with a new electric car policy.

CODE: EV100

🚙

10% Off a Second Car

Get an extra 10% off when you insure two or more vehicles.

Promotions are subject to terms and conditions and may change. Confirm current offers before purchase.

Application Procedure

01 Choose the Plan

Choose the type of plan that suits your needs.

02 Complete Proposal Form

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