Overview of UOI Insurance in Singapore
United Overseas Insurance (UOI) is a leading general insurer in Singapore, established in 1971 as part of the United Overseas Bank (UOB) Group. With over 50 years of experience, UOI offers comprehensive
motor insurance
alongside property, travel, and personal accident coverage backed by UOB’s extensive network and financial strength.
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What is UOI Car Insurance?
Designed to protect Singapore motorists against financial losses from accidents, theft, and vehicle damage, UOI car insurance offers three main policy types:
- Comprehensive: Full protection including own-damage, third-party liability, theft, and fire
- Third-Party, Fire & Theft (TPFT): Liability protection plus coverage for fire and theft damage
- Third-Party Only (TPO): Legally required minimum liability protection
Serving both individual motorists and businesses, UOI’s car insurance policies include access to islandwide roadside assistance, claims support through authorised workshop networks, and flexible add-ons like windscreen coverage and 24-hour accident towing.
UOI Car Insurance: At a Glance
| Policy types | Comprehensive, Third-Party Fire & Theft (TPFT), and Third-Party Only (TPO). |
| Who's eligible | All Singapore motorists with valid driving licenses. Covers private cars, motorcycles, and commercial vehicles. |
| Key benefits | 24-hour roadside assistance, island-wide towing service, repairs at authorised workshops, and no-claims discount (NCD) protection available. |
| Optional add-ons | Windscreen coverage, flood damage protection, personal accident cover for driver/passengers, loss-of-use benefits. |
| Claims process | Report via 24-hour hotline (+65 6222 7733), submit documentation, repairs at approved workshops with direct billing for comprehensive policies. |
| Exclusions | Pre-existing damage, wear and tear, drunk/unlicensed driving, racing/competitive events, and non-approved modifications. |
Drive with the right protection at the right price. Our specialists don't just push one-size-fits-all policies. We help you navigate the car insurance market to compare coverage, maximise your savings, and ensure your plan is tailored to your specific driving needs. Meet our qualified team specialising in car insurance. |
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UOI Car Insurance Coverage: Comparison
Here’s a quick reference to compare UOI’s three car insurance policy types, their core benefits, and highlights below.
| Coverage scope | Comprehensive | Third-Party, Fire & Theft (TPFT) | Third-Party Only (TPO) |
|---|---|---|---|
| Accidental death or injury to other parties | Yes ✅ | Yes ✅ | Yes ✅ |
| Accidental third-party property damage | Yes ✅ | Yes ✅ | Yes ✅ |
| Fire damage or theft of own vehicle | Yes ✅ | Yes ✅ | No ❌ |
| Accidental damage to own vehicle | Yes ✅ | No ❌ | No ❌ |
| Medical expenses sustained by insured or authorised driver or any passenger | Up to S$300 per person (driver, passengers) | No ❌ | No ❌ |
| Personal accident | Up to S$20,000 | No ❌ | No ❌ |
| Windscreen damage | Yes ✅ | No ❌ | No ❌ |
| Legal liability of passenger for acts of negligence | Yes ✅ | Yes ✅ | Yes ✅ |
| Damage to own vehicle caused by natural disasters (e.g. flood, typhoon, hurricane, volcanic eruption, etc.) | Yes ✅ | No ❌ | No ❌ |
| Damage to own vehicle caused by riot, strike, and civil commotion | Yes ✅ | No ❌ | No ❌ |
| 24/7 emergency assistance + accident towing services | Yes ✅ | Fire only | No ❌ |
| Access to authorised workshops | Yes ✅ | No ❌ | No ❌ |
| Access to any workshops | Plus tier only | No ❌ | No ❌ |
Disclaimer: Coverage details based on UOI’s standard motor insurance policy, where actual coverage may vary according to plan. For the most accurate information, always obtain a personalised UOI quote via MoneySmart & refer to your policy wording.
Eligibility criteria
In general, eligibility for Singapore car insurance entails:
- Singapore residency (must hold a valid local address)
- Vehicle must be registered under your name
Optional add-ons
- No Claim Discount (NCD) Protector: Protects the accumulated NCD (~30% NCD or higher) of good drivers from being reduced after an at-fault claim, allowing you to enjoy lower premiums.
- Free Named Driver(s): Add up to 2 named drivers to plan, with no extra charge.
How to Apply For UOI Car Insurance: Step-by-Step Guide
Step 1
Tell us what you need
Click on the “Get a Quote” button to fill up a quick questionnaire about your car insurance needs.
You may need to provide:
- NRIC/FIN
- Vehicle registration details
- Driving/insurance history (including NCD)
Step 2
Get in touch with our financial advisors
Once you’ve submitted the form, our expert advisors will contact you within 3 working days.
Based on your form and driving profile, they’ll review the best car insurance coverage and premiums for your driving needs and budget.
Based on your form and driving profile, they’ll review the best car insurance coverage and premiums for your driving needs and budget.
Step 3
Obtain personalised quotes
Request and review your car insurance quotes. At this stage, our advisors can walk you through details like:
- Coverage differences
- Premium breakdowns
- Key policy exclusions or conditions
Step 4
Customise your coverage
Enhance your policy to a higher tier or with add-ons if needed, such as:
- Personal accident coverage
- NCD Protector
- Young or inexperienced driver coverage
- 24/7 roadside assistance
- Windscreen repair
For motorcyclists, optional add-ons may include:
- Helmet and riding gear protection
- Pillion rider coverage
Step 5
Confirm your car insurance purchase
Once you’ve chosen the right plan, prepare the required documents and lock in your car insurance plan!
Upon successful payment, your digital policy and certificate will be available almost instantly.
Be sure to download and save them safely as official proof of insurance—especially for road tax renewal or roadside checks.
Upon successful payment, your digital policy and certificate will be available almost instantly.
Be sure to download and save them safely as official proof of insurance—especially for road tax renewal or roadside checks.
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How to File a UOI Car Insurance Claim?
Need to make a UOI car insurance claim? Knowing the right steps and contact channels will make the process faster and less stressful. Here’s a consolidated guide detailing the processes:
1. Report the accident or damage immediately
Claims can be made for accidents, windscreen damage, theft, fire, or third-party liabilities according to your policy type. It’s crucial to report accidents within 24 hours to avoid processing delays.
- Accident claims: Call UOI's 24-hour claims hotline at 6222 7733 immediately after the incident.
- Windscreen/Theft/Fire claims: Contact UOI via hotline or email ([email protected]) for claim instructions.
2. Prepare your claim documents
You may need to prepare the following documents and information:
- Policy number, vehicle registration details, and NRIC
- Police report (for accidents involving injuries, hit-and-run, or disputes)
- Photos of vehicle damage from multiple angles
- Repair estimates or invoices
- Third-party details (name, contact, vehicle registration) if applicable
3. Bring your vehicle to an authorised workshop
UOI's authorised workshops handle damage assessment and repair coordination directly with the insurer. Workshops can submit estimates and photos on your behalf, speeding up claim approval.
4. Submit your claim form & track status
Complete the claim form and email it with all supporting documents to [email protected]. Alternatively, submit at any UOI branch during business hours.
Thereafter, keep records of all correspondence and reference numbers. UOI may contact you for additional information or clarification during the claims processing.
💡MoneySmart Tip: Double-check and keep copies of all submitted paperwork to prevent delays, track claim status, and note down the date and time of claim reporting.
How to Cancel UOI Car Insurance Policy?
To cancel your UOI car insurance policy, submit a written cancellation request via email ([email protected]) or a physical letter. Include your policy number, NRIC, preferred cancellation date, and any required supporting documents.
Do also note the following:
- No refund will be given if a claim has been made during your current policy period
- Cancellation takes effect from the date UOI receives your written notice (unless a later date is specified)
- UOI will confirm cancellation and advise on any refund eligibility based on your policy terms
💡 MoneySmart Tip: Send cancellation requests from your registered email and request written confirmation to ensure processing.
Why Choose MoneySmart For Your Car Insurance?
More Choices
We're comprehensive and convenient.
We partner with 5 leading car insurers in Singapore, so you can get access to diverse plans and competitive quotes—all without the legwork. Our insurance specialists handle the research and paperwork, making comparison and application simple.
No Paperwork
We help you make it happen.
Your insurance journey continues after purchase. Our specialists will guide you through claims, renewals, and policy adjustments every step of the way.
We’re here to ensure your process is smooth, so you can focus on the road ahead (no pun intended).
Claims Support
We're determined to find what's best for you.
Renew your car insurance with confidence, knowing you have expert support.
Get in touch with our insurance specialists and we’ll help you secure better coverage, competitive rates, and meaningful savings each year.
Types of UOI Insurance Plans
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Up to S$100,000 overseas medical expenses
Up to S$3,000 trip disruption and cancellation Up to S$1,000 baggage damage or loss |
Up to S$250,000 overseas medical expenses
Up to S$5,000 trip disruption and cancellation Up to S$3,000 baggage damage or loss |
Up to S$700,000 overseas medical expenses
Up to S$10,000 trip disruption or cancellation Up to S$6,000 baggage damage or loss |
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Travel insurance from UOI is designed to safeguard your trips by offering:
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Up to S$2 million
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Up to S$15,000
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Up to S$2,000
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Building structure coverage
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Temporary accommodation or loss of rental income
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Smart home system coverage
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UOI’s UniHome insurance protects the personal belongings of homeowners, tenants, and landlords against fire, water damage, theft, and unforeseen accidents.
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Value Plan
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Plus Plan
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Pro Plan
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Up to S$100,000 accidental death & permanent total disability
Up to S$2,000 medical expenses (In/Out-patient) Up to S$50,000 emergency medical evacuation |
Up to S$250,000 accidental death & permanent total disability
Up to S$3,000 medical expenses (In/Out-patient) Up to S$100,000 emergency medical evacuation |
Up to S$500,000 accidental death & permanent total disability
Up to S$5,000 medical expenses (In/Out-patient) Up to S$250,000 emergency medical evacuation |
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UOI’s UniPA insurance offers three plan tiers with 24-hour worldwide coverage:
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Disclaimer: Specific benefits, limits, and exclusions may vary for each plan. Always review your policy contract for exact benefits, limits, and exclusions.
FAQs About UOI Car Insurance
How can I cancel a UOI car insurance policy?
To cancel your UOI insurance policy, you must submit a written request, either by email to [email protected] or via post. Include your policy details (like policy number, NRIC, and your preferred cancellation date).
Note that if you have made a claim during the policy term, a premium refund may not be provided.How do I submit a claim with UOI car insurance?
You can submit a claim by:
- Calling the UOI hotline (6222 7733)
- Emailing the details along with supporting documents to [email protected]
- Visiting an authorised workshop (for car insurance claims) Make sure you have your policy number, completed claim form, and any relevant supporting documents like a police report or repair invoice.
Does UOI offer hospital cash plans?
- Yes, UOI offers Hospitalisation Plans (also called hospital income plans) that provide daily cash payouts during hospitalisation due to illness or injury. These are exclusive to UOB customers and fall under UOI’s Accident & Health product line.