UMax Show all

Benefits

UMax is the first car insurance in Singapore providing comprehensive protection for your car and rewards good driving behaviours through a telematics device. Available in 2 plans to help you drive safe and save!

Waiver of Excess

Achieve a good drive score to enjoy waiver of excess of up to 100% at the time of a claim and savings on your renewal premium.

Connected Services

Download the MSIG Connected Car mobile app to receive real-time feedback and driving tips, as well as access to our 24/7 Automobile and Medical Assistance services.

Optional Covers:

Location of Vehicle

We offer this value-added service to locate your vehicle in West Malaysia using the MSIG Connected Car mobile app.

Loss of Personal Effects

Loss of personal effects arising from theft or robbery, or break-in to the insured vehicle, of up to $1,000 in West Malaysia for one claim only.

Plans

Understanding Excess

Getting Started

FAQs

About the Policy


1. What is UMax?

UMax is a motor insurance plan that rewards safe drivers with waiver of excess and premium savings. The UMax policyholder will have to install a telematics device in the car. You can check your driving data from the MSIG Connected Car mobile app or web portal.


2. Who is it for?

This plan is suitable for car owners and drivers who wish to drive safe by taking charge of their driving style and be rewarded for it.


3. How is the score determined?

The score is determined by a defined scoring model driven by driving events such as excessive acceleration, harsh cornering, harsh braking, time of day and distance driven.


4. How do I sign up for this plan?

You can buy this insurance at www.msig.com.sg or through your regular insurance adviser or broker.


5. I need to extend my policy to coincide with my road tax renewal, how will the premium be charged?

The additional premium will be charged based on current year’s policy premium.


6. What happens if I am selling my car?

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.


7. If I change my car after the first year, will the renewal premium for my new car be based on the previous year’s drive score?

Your new car will be covered under a new policy. Your previous drive score will not apply to the new policy.


Eligibility


8. Is there a car age limit for this plan?

Cover is available to cars under 8 years old at the time of the policy sign-up.


9. Can a Grab/Uber driver purchase this plan?

Cars used for hire and/or reward are not eligible for cover under this policy.


10. Can an existing MSIG motor policyholder switch to this plan?

Existing motor policyholder can switch to the Umax plan on their policy renewal to avoid mid term cancellation charges under your existing motor policy.


Premiums and Excess


11. How is my premium computed?

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 second year renewal premium.


12. What happens to my No Claim Discount (NCD) entitlement?

Your NCD will be accorded based on your no claim record. However, the NCD will not be used in the calculation of your renewal premium.


13. What is the excess payable in the event of an accident?

First 60 days from the start of policy - 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 category (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:

Green - 100% waiver of Standard Excess

Yellow - 50% waiver of Standard Excess

Orange/Red - Standard Excess

For more information, please refer to your Infopack.


Telematics Device


14. Where can I install the device?

Please visit our designated VICOM workshops to install the telematics device.

Details of the workshop location and operating hours can be found in the UMax Motor Infopack sent together with your policy documents.

Installation will take about 30 minutes.


15. Do I have to pay for the telematics device or the installation fee?

No. The telematics device and its installation costs are borne by MSIG.The device remains the property of MSIG and must be returned when the insurance is no longer in force. De-installation will be done at the designated VICOM workshops and costs are borne by MSIG.


16. What happens if I do not install the telematics device?

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 connected car services. All other policy benefits, terms, conditions and exclusions will continue to apply.


17. When should the telematics device be installed after buying the insurance?

Installation can be done at our designated VICOM workshops 3 working days after your policy is issued. The device must be installed within 30 days from the policy commencement date.


18. What data is collected by the telematics device?

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 are collected:

- Trip start and end time and date

- Distance driven and route taken during the trip

- Duration of trip

- Speed during trip

- How you accelerate, brake and corner.


19. What is the size of the device?

The dimensions of the device are 54mm x 48mm x 26mm.


20. Where will the device be installed in my car?

The telematics device will be inserted to your car's OBD (On-board diagnostics) port or mounted on the car battery using wiring and a waterproof sleeve to protect the device. A trained professional at our designated VICOM workshops will assess and advise you which method is most suitable according to the model of your car.


21. Can I install the telematics device on my own?

The device has to be installed at MSIG's designated VICOM workshops.


22. Will the telematics device deplete my car battery?

No. All devices are designed for ultra-low power consumption of battery power.


23. What if the device is faulty or comes unplugged?

If the device is not working, faulty or becomes unplugged, this will be detected by our vendor’s server. You will receive a SMS alert to contact MSIG Customer Service at +65 6827 7661 (Mon to Fri, 8.45 am to 5.30 pm) or email us for assistance. Where the device is:

1) Faulty – we will trouble-shoot the faults based on your feedback and inputs. If the device is found to be faulty, we will provide a replacement.

2) Unplugged – we will provide guidance on how to you can re-plug the device.


Driving Data


24. What if I share my car with another driver?

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.


25. Does the telematics device track my location and capture my location data?

Yes, location data is captured and transmitted to MSIG’s appointed telematics provider. You can use functions like “Location” to view the actual location of your car in Singapore. MSIG will not have access to this data.


26. Will my tracking data be lost in a location without GSM coverage?

No, the telematics device comes with an internal memory unit. When you are at a location without GSM coverage, data will be captured and stored in the device memory. All stored data will be transmitted to our servers when the GSM signal is restored.

If you are driving out of Singapore but within the Geographical Limit specified in the policy, the device will still function.


27. With the telematics device, will I be exposed to Cyber Security risk?

Your data is encrypted and sent to the server of MSIG's appointed telematics technology provider. The device does not accept any incoming connection and is designed with a single outgoing connection architecture. This eliminates almost all forms of external hacking attempts. The MSIG Connected Car mobile application also does not communicate to the device. Should your mobile phone application be hacked, no communication can be sent to the device.


28. How will MSIG use the driving data collected?

Driving data collected will be used to provide customers with personalised services on the web portal and mobile app. You can view your trips history up to 6 months in the web portal, receive real-time events notification and feedbacks to improve your driving habits and more. The data will also be used to compute your drive score for safe drivers to determine if the excess waiver applies at the time of claim. Your drive score will form the basis for your renewal premium. Safe drivers with good drive score stand to enjoy premium savings on renewal.


Mobile App / Web Portal


29. How do I download the application onto my smartphone?

Search for "MSIG Connected Car" on the App Store or Google Play Store on your smartphone.

For iPhones, you will require iOS version 8.0 or higher.

For Android phones, you will require Android version 4.0 or higher. 


30. When will I be able to view my drive trips after installing the device?

YYou can view your trips and score in 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.


31. How far back is my trip history available on the mobile app?

You can view your trip history on the mobile app for the past 30 days at any one time. For periods longer than 30 days, you can view the history up to 6 months on the web portal at https://msig.connectedcar360.net/login.


32. How do I improve my drive score?

You can view the “Driver Feedback” function in the mobile app. It contains an analysis of your driving behaviour as well as tips on how to improve your drive score.


33. What is Excessive Acceleration?

Excessive Acceleration is the event when you have accelerated rapidly above a set threshold.  


34. What is Harsh Braking?

Harsh braking is the event when the car decelerates rapidly or suddenly.


35. What is Harsh Cornering?

Harsh Cornering is the event when the car takes a corner sharply, greater than the set thresholds.


36. What does “Events” in the App mean?

“Events” are driving exceptions generated during your trip such as harsh braking, excessive acceleration and harsh cornering.


37. What do I do if I forget my User ID or password for the mobile app or web portal?

You can change your password by clicking on the “forgot password” button. Please enter your username and click reset. A link will be sent to the email address that you registered in the web portal for reset password notification.


Technical Assistance


38. Is there any action on my part if I have to change my car battery or during car servicing?

Your service workshop technician may temporarily remove the telematics device. You will receive an SMS notification when the device is disconnected from your car. Please ensure that the device is re-installed upon completion of the works. You will receive an SMS that the device has been re-installed.


39. How do I get assistance if I encounter a technical problem with the telematics device or mobile app?

You can call MSIG Customer Services at +65 6827 7661 from 8.45am to 5.30pm, Monday to Friday or email us for assistance.

Promotions

UMax_hero UMax_bar2

WHAT IS UMAX?

Introducing UMax, the first car insurance in Singapore giving drivers real time feedback and trips for a safer motoring, through a telematics device fitted to the insured car. UMax rewards safe drivers in the green or yellow drive score categories with savings on their policy excess and renewal premiums.

To welcome you to UMax Insurance, you will receive a launch cash rebate^ of up to $150 when you sign up before 31 Dec 2017. Cover is available online only and applies to new or existing motor customers with MSIG who wish to opt for UMax Insurance upon expiry of their existing motor policy.

KEY BENEFITS:
  • Comprehensive protection for your car, legal liabilities and more.
  • With a good driving score, you can enjoy savings on your excess and renewal premium.
  • Stay Connected with MSIG Connected Car Services. You Can:
    • Locate your car anywhere in Singapore
    • Monitor your drive trips and driving style
    • Access the one-push 24/7 Assistance button for MSIG's 24/7 Automobile and Medical Assistance Services
  • Optional Benefits:
    • Locate your car in West Malaysia
    • Loss of personal effects of up to $1,000 in West Malaysia

UMax_phones

Call our Customer Service Officers at 6827 7661 (Mon to Fri, 8.45am – 5.30pm) or email us for enquiries.
Promotion ends on 31 Dec 2017

Policy terms and conditions apply. Promotion terms and conditions apply.

^Applicable for new UMax and UMax Plus applications including existing MSIG motor policyholders opting for UMax Insurance. Promotion is not valid in conjunction with any on-going or existing morot insurance promotions, discounts, offeres, vouchers, rebates or privileges. Upon successful installation of the device, the rebate cheque will be mailed to you within 30days after the device installation date.

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). For more information on this scheme, please visit GIA or SDIC.

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