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Our Insurance Services

The Authorised Agency for leading insurers AXA, NTUC and AIG

Making the Right Choice

on your motor insurance!

Buying a Motor insurance is like buying a car. It is what you need and not what is 'cheap'. It is worth speaking to your advisor to help you understand your need better.

  • Motor Insurance is a mandatory requirement under the laws for car owners to purchase and keep it effective as long as he/she owns a car.
  • The period of the insurance coverage spans one year, renewable upon expiry. A basic understanding of the insurance policy will help you make the right choice that best suits your needs. As a rule of thumb, the more coverage you get, the higher your premiums will be.

Understanding Insurance Terms

To help you understand the needs better, there are 5 insurance terms that affect the premiums when you renew your policy.

Comprehensive covers most basic risks, such as loss, damage to the vehicle, third party liabilities and claims, in the event of an accident. Third party, fire & theft and Third party only covers damage and injury liabilities to Third Party only.

It is the amount the policy holder bears in the event of a claim.

A 10% NCD is given to the policy holder every year if no claim is made during the period of insurance.  The NCD start from zero to 50% maximum. The higher the NCD% the lower the premium will be.  It is worth protecting the NCD when you attain the full 50%.

If your car is under warranty, sending the car to the agent's workshop for repairs is ideal.

Accidents involving unnamed Young Driver (below 27 years) or Inexperienced Driver (less than 2 years driving) carry a higher excess amount. It makes a difference to the additional excess payable in the event of an accident driven by the Named driver and Authorised driver.

List of other insurance services

We represent AXA and AIG.

Fine Art Insurance (Individual)Business/Office/Retail Package Insurance
Golfers’ InsuranceCorporate Travel
Home InsuranceForeign Workers Medical
Maid InsuranceForeign Workers Bond
Motor Insurance (Private & Commercial)Fine Art Insurance (Corporate)
Motor Cycle Insurance (Private & Commercial)Group Personal Accident
Marine Hull Pleasure Craft InsuranceMarine Cargo/Marine Hull
Personal Accident InsuranceProfessional Liability
Student’s Travel Insurance (for overseas studies) Performance Bond
Travel Insurance (Individual/Family)Public Liability
Work Injury Compensation

Commercial Risk - Property & Casualty Covers

We offer our represented insurers’ Commercial lines products to meet your company insurance need.

Business Business/Office/Retail Package Insurance provides flexible coverage in one affordable and convenient package for your business. This package is specifically designed for small and medium sized enterprise.   

Burglary Insurance provides you with protection should your business premises be broken into and burgled. It also provides indemnity for damage caused by theft or attempted theft.

This policy covers your property for any accidental physical loss or damage (other than loss or damage specifically excluded in the policy).

This policy can be taken with an existing fire policy.

A Fire Policy covers material damage to a building and contents. This policy offers protection against the loss of gross profits that your business suffers as a result of a claim under your Fire Policy.
Extensions to cover the following perils can also be included for a nominal premium:
•    Extraneous perils
•    Denial of access
•    Failure of electricity supply
•    Infectious disease

This policy provides all risks cover during the construction period for contract works against loss or damage to property and third party liability for accidental bodily injury or property damage in connection with the performance of the contract. The Contractors/Erection All Risks policies are specially designed for building contractor or developer.

This policy provides the most innovative and extensive insurance for directors and officers their personal liability (including lawyer fee for defending a claim) while acting in their capacity as a Director or Officer of a company.

This policy protects your business equipment and machinery. It indemnifies you against the risk of accidental physical loss or damage to property due to external causes while at your premises, during loading, unloading or land transit.

The Policy covers loss, destruction or damage to property insured arising out of fire, lightning and named perils.

This policy covers you in respect of glass breakage within your business premises.   

Following the successful application for new/renewal of existing work permit for your foreign workers, the Ministry of Manpower, Singapore would require you, the Employer to:
•  Submit a security deposit of S$5,000 per worker. This can be in the form of an Insurance Bond.
Insmart (Insurance) Agency is able to provide service to this type of Bond for workers from China, India, Bangladesh, Thailand, Sri Lanka, Indonesia, Philippines etc sources approved by the Ministry of Manpower.
•  The period of the Bond provided is normally for 26 months.
We provide very affordable and competitive premium for Immigration Bonds on all classes of foreign workers.

Provide Personal Accident insurance and medical benefits (including medical treatment and hospitalization expenses) for your domestic helper. And also offers up to 14 comprehensive covers at affordable premium. It has 2 plans to suit your different needs and budgets. Here are some of the special covers:
•  Worldwide Personal Accident
•  Hospital and Surgical Expenses
•  Repatriation Expenses
•  Wages and Levy Compensation
•  Termination Expenses

The Marine Cargo Insurance offers protection for your goods against damage or loss during transit.
The Marine Hull Insurance protects you against liability for damage to other vessels if there is an accident at sea. This policy also insures your vessel against loss or damage to the hull and machinery.

Our Money Policy indemnifies you against the loss of money while in transit between your premises and the bank or post office and vice versa at your premises, provided all money is securely locked in a safe, strongroom, drawers, cabinets or cash registers.

Performance bonds are a common requirement in most construction projects. Performance bonds are used to provide the beneficiary with security in a variety of situations. For instance, performance bonds may represent the tender security deposit that is submitted at the time of the tender. Sometimes, performance bonds are used to secure advance payments to the contractor.
However, the majority of performance bonds represent security in respect of a contractor’s performance during the construction and maintenance periods. In such an instance, typically, a contractor will procure a performance bond from an insurance company or a bank in favor of the employer.
Opt for Insmart (Insurance) Agency represented insurers’ bonds as an alternative to a Banker’s Guarantee, which is usually a contractual requirement by:
•  Your client if you are in the business of construction/renovation or erection of plants/machinery (Performance Bonds,     Advance Payment Bonds, Retention Money Bonds) or supply of goods or materials (Supply Bonds)
•  Your landlord in lieu of a rental deposit (Rental Bonds)

The policy covers the named individual or legal entity against an allegation of negligence, error or omission from a third party in the course of providing your Professional Service.

The policy protects you from legal claims in connection with your business against:
•  accidental bodily injury or illness to persons
•  accidental loss or damage to property in Singapore
It also includes:
•  all costs and expenses of litigation recoverable by any claimant against you
•  costs incurred with our written consent.

In accordance with Section 23(1) of the Workmen's Compensation Act, it is compulsory for an employer to insure his employees against accidental bodily injury arising out of and in the course of employment.