Drive safe, pay less
DriveShield Plus is Singapore’s first car insurance policy to base your premium on your driving habits - the safer you drive, the lower your premium. With a small on-board telematics device installed in your car, you’ll be all set to turn your safe driving into savings.
DriveShield Plus comes with a complementary MSIG Connected Car mobile app. It allows you to assess your driving in real time so that you can improve your driving for a good score. Drivers with a good score can enjoy waiver of standard excess and even lower premiums at the next insurance renewal!
Get comprehensive coverage for your car against accidental loss or damage
Get a free telematics device and complimentary installation, worth more than S$250
Receive up to S$150 cash upon free installation of the telematics device
Track and improve your driving
Enjoy up to 100% excess waiver for safe drivers, at the time of claim
With a good drive score, enjoy more savings upon your insurance renewal with MSIG the following year
Real Time Location Tracking in Singapore and West Malaysia (optional benefit)
In 4 easy steps, you will be all set to turn your safe driving into savings!
1. Get quotes here
2. Purchase DriveShield Plus
3. Install the telematics device in your car at any of MSIG’s appointed workshops, 3 working days after your policy is issued
4. Download MSIG Connected Car mobile app to start accessing your driving data
DriveShield Plus is a motor insurance plan underwritten by MSIG that rewards safe drivers by charging premiums based on the driver’s driving style and habits. A telematics device will be installed in the car to record the driver’s driving data.
The driver can easily access his/her driving data via the MSIG Connected Car mobile app in his smart phone or on MSIG Connected Car Portal
Your first year premium is based on MSIG's standard motor premium taking into account your current No Claim Discount (NCD) entitlement.
Your drive score category will be taken into consideration when computing your renewal premium (second year onwards).
The installation can only be done at MSIG’s designated VICOM workshops. Details of the workshops can be found in the DriveShield Plus Infopack that you will receive together with your policy documents, within 7 working days after purchase.
The installation will take about 30 minutes.
The cost of installation will be fully borne by MSIG. Install the device within 30 days from the policy commencement date and receive cash from MSIG:
You can install the device at MSIG designated workshops, 3 working days after your policy is issued. The device must be installed within 30 days from the policy commencement date.
The telematics device will either be inserted to your car's on-board diagnostics port (OBD) or mounted on the car battery using wiring and a waterproof sleeve to protect the device. The trained professionals at the designated workshops will assess and advise you which method is most suitable according to the model of your car.
It measures 5.4cm x 4.8cm x 2.6cm.
No. All devices are designed for ultra-low power consumption of battery power.
If your device stops working or becomes unplugged, you'll receive an SMS alert. Please contact MSIG Customer Service at + 65 6827 7661 (Mon – Fri, 8.45am – 5.30pm) or email to email@example.com for assistance.
Installation of the device forms part of the insurance coverage and the device must be installed within 30 days from the policy commencement date. If installation is not done, you will not enjoy the waiver of excess in the event of an accident for policyholders in the green and yellow drive score category and the MSIG Connected Car Services. All other policy benefits, terms, conditions and exclusions will continue to apply.
The device records your driving data on a per trip basis. Trip data is recorded from the time you start your car, until the engine is switched off. During the trip, the following data is collected:
Driving data collected will be used to compute your drive score to determine if any excess waiver applies in the event of claims. Your drive score will form the basis for your renewal premium. Safe drivers with good drive scores can enjoy favourable renewal premiums.
The drive score is determined by a defined scoring model which takes into account events such as excessive acceleration, harsh cornering and harsh braking.
You can view the “Driver Feedback” function in the MSIG Connected Car Portal or mobile app. It provides an analysis of your driving behaviour as well as tips on how to improve your drive score.
Yes, the location data is captured and transmitted to MSIG’s appointed telematics provider. You can use functions like “Location” to see the actual location of your car. MSIG will not have access to this data.
You can view your trip history and drive score via the mobile app and web portal within 2 working days from the device installation and after the policy commencement date. If you install the device ahead of the policy commencement, no trip history will be recorded during this period.
The telematics device is installed in the vehicle to track the driving style and behaviour of drivers using the vehicle. If the vehicle is shared with another authorised driver, the scoring and feedback will be based on the drive trips and driving behaviour of the drivers.
First 60 days from the start of policy – the Standard Excess stated in your policy applies.
After 60 days from the start of policy – the excess will be adjusted based on your last 30 days’ drive score (green, yellow, orange or red) recorded in your MSIG Connected Car mobile app at the time of the accident.
Policyholders in the green and yellow drive score category will enjoy a waiver of Excess:
Please refer to Excess tab for more information
Existing DriveShield policyholders can switch to the DriveShield Plus plan upon expiry of the existing policy.
Please call MSIG Insurance Customer Centre at +65 6827 7608 (Mon – Fri, 8.45am – 5.30pm) or email us at firstname.lastname@example.org for assistance.
You may cancel the policy by notifying us in writing. Please visit our designated VICOM workshops 7 working days after the cancellation to have the telematics device removed.
Your new car will be covered under a new policy. Your previous drive score will not apply to the new policy.
Please contact MSIG Insurance Customer Centre at 6827 7608 (Mon – Fri, 8.45am – 5.30pm) or email you questions to email@example.com
There are 4 Drive Score Categories and the Effective Standard Excess is derived from the respective Drive Score Category. Policyholders in the Green and Yellow drive score categories will enjoy a waiver of Excess as below:
Samantha’s 24 year-old son just got his driver’s license. He drives her car and gets into an accident. In addition to Samantha’s Standard Excess of $500, the Young and/or Inexperienced driver excess of $3,000 applies as the car was driven by her son. (A young and/or Inexperienced driver refers to a driver aged below 27 years old and/or has held a valid driving license of less than 2 years.)
If Samantha’s last 30 days Drive Score was in the green category.
Her total Standard Excess is $3,500. In this scenario, not only will she enjoy the 100% waiver of her Standard Excess, the Young and/or Inexperienced driver excess of $3,000 for her son, will also be waived in full.
If Samantha’s last 30 days Drive Score was in the red category.
Her total Standard Excess is $3,500. As her drive score is in the red category, there is no waiver of Excess.
Steven is 26 years old and has been driving for less than two years. His Standard Excess is $3,000.
If Steven’s last 30 days Drive Score was in the green category.
His Effective Standard Excess is $0, as he will enjoy 100% waiver of Excess.
Please refer to the policy wordings for the full details of the benefits, terms, conditions and exclusions of the insurance policies.
DriveShield Plus is underwritten by MSIG Insurance (Singapore) Pte. Ltd. (“MSIG Insurance”) and distributed by DBS Bank Ltd (“DBS”). It is not an obligation of, deposit in or guaranteed by DBS. This is not a contract of insurance. Full details of the terms, conditions and exceptions of these insurance plans are provided in the Policy and will be sent to you upon acceptance of your application by MSIG Insurance.
This Policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). For more information on the scheme, please visit the General Insurance Association or SDIC websites.
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