Day: December 6, 2022

Must Read Guide: Insurance For Car Rental In Singapore

Must Read Guide: Insurance For Car Rental In Singapore

Must Read Guide: Insurance For Car Rental In Singapore

Insurance For Car Rental In Singapore
Are you travelling to Singapore? Do you need to rent a car? But read this first, here’s what you should know about insurance for car rental in Singapore.

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You’ve got your rental car and are ready to start your trip. You probably would ask yourself, “what insurance should I get when renting a car?”. 

Car insurance is meant to cover the rental car in case it gets into an accident. Most of the time, the car rental company buys car rental insurance before renting out the car. Here’s a guide to help you with your car rental needs.

Car Rental Insurance

Car Rental Insurance

Types of rental car insurance:

Collision Damage Waiver: Coverage for theft, vandalism, and collision damage to your rental vehicle.

Theft Protection: Protection against theft includes the cost of replacing a stolen rental vehicle and any repairs necessitated by an attempted theft.

Third-Party Liability: Coverage for bodily injury or property damage to a third party as a result of an accident you cause while driving a rented vehicle is known as third-party liability.

Personal Accident Insurance: Protects you and your passengers from financial hardship in the event of an accident while driving a rented car.

What Other Insurance Should Be Considered?

What Other Insurance Should Be Considered?​

1. Windshield And Tires

Tire, wheel, and windshield damage are typically not covered by collision damage waivers. Renters are typically expected to cover repairing or replacing damaged parts, such as flat tires or bent rims. 

People should choose this coverage so that they will not be financially responsible for the repairs if any damage occurs to those features.

This is probably because flat tires and cracked windshields happen often, so many insurance companies leave them out to keep their overall premiums low. But if you don’t want to risk paying for damage to both of these parts, make sure your policy covers them.

2. Travel Insurance

This type of insurance is highly recommended for renters who want to travel outside Singapore. However, the insurance coverage provided by some rental car companies is only valid within Singapore’s borders and becomes null and void when the rented vehicle leaves the country.  

A good travel insurance policy can cover medical expenses, trip cancellation fees, lost luggage, and even car rental excess. Extra insurance coverage is always a wise investment when renting a car. Always choose full coverage, as this will protect you from the financial hardship of losing a sizable amount due to an accident.

3. Rental Car Requirement

Getting behind the wheel of a rental car from some companies requires meeting stringent requirements.

1. The minimum age to obtain a licence (younger drivers may be barred from obtaining one).

2. The minimum number of years of driving experience.

3. The type of licence

Note: An International Driving Permit is useful if you intend to drive while on vacation in another country (IDP). The International Driving Permit is a translation of your domestic licence. The IDP permits drivers to operate motor vehicles in foreign countries. You must always carry both your IDP and your national driver’s licence. Visit AA Singapore to obtain an International Driving Permit in Singapore.

4. Register Your Co-Driver

If a friend or family member will drive the rental car at some point, register them when you obtain car insurance.

While this will increase your insurance premiums – particularly if your co-driver(s) are young males with less than two years of driving experience – it is preferable to still register and pay for your co-driver..

In the event of an accident involving an uninsured driver, your auto insurance is automatically nullified, leaving you with no coverage whatsoever. Depending on the severity of the incident, this could be catastrophic or even financially ruinous.

5. Excess

The amount you must pay out of pocket before filing a claim with the insurance company is referred to as the “excess.” Most Singaporean insurers base their quotes on an excess of $500 or $600. 

Both “excess” and premiums are costs you bear, so when comparing auto insurance quotes, you should consider both factors holistically. There is no point in being enticed by a car insurance policy with a low premium but a high deductible (such as $1,000 or more) if you end up in an accident.

Contact us to learn more and to better assist you with your car rental insurance needs.

6. Workshops

In most cases, your auto insurer will require you to take your vehicle to a service centre that they have pre-vetted and approved. In this way, you and your car insurance company can rest easy about the cost and quality of the repairs.

If you want to have your vehicle serviced at a specific repair facility, however, or if you simply want more options, you’ll need to select a plan that allows you to do so. Plans that cover maintenance at any garage will likely cost more than those that don’t.

7. Roadside Assistance

Do you think it would put your mind at ease to know that you could call for help whenever you needed it if you were involved in an accident? 

If so, you should verify that your car insurance policy includes 24-hour roadside assistance. This could be especially helpful for inexperienced drivers who aren’t familiar with what to do in the event of an accident.

8. No Claims Discount (NCD)

The NCD guarantee is important because you don’t want to lose your entire NCD because of a single accident and then have to wait for years to get it back up to 50% or more. In the event of a claim, some car insurers offer NCD guarantees or protectors that last a lifetime.

9. Auto-Renewal Of Car Insurance Premium

It’s a bad idea to let your car insurance policy renew automatically every year: Annual car insurance rates fluctuate for various reasons, some of which are outlined above. When renewing your car insurance, it’s best to shop around and get quotes from at least three companies.

Singapore's Rental Car Restrictions and Low-Cost Insurance

Rental car insurance can be useful in preventing the rental company from going after you for costs related to damages and losses, but it is not without its limitations. 

A car rental excess is an additional cost the renter pays when they pick up their rented vehicle.

Some rental car companies may charge a higher “excess” on damage claims to compensate for lower insurance premiums.

Renters are still responsible for paying for minor repairs and damages in the event of an accident.

Conclusion About Insurance For Car Rental

Rental car insurance can be useful in preventing the rental company from going after you for costs related to damages and losses, but it is not without its limitations. 

To know more about car rental insurance, talk to us and get a better grasp of what we can offer as the best rental car company. At Hong Seh Leasing, we value your time and efficiency in renting a car. We offer different leasing services for brands such as: Mercedes Benz, BMW, Toyota, and Lexus. We also offer electric van & lorry leasing for your travel needs.

Frequently Asked Questions About Insurance For Car Rental

All car rental companies must have insurance, whether comprehensive, Third Party Only, or Third Party, Fire and Theft. Car insurance is included in the rental package, so you don’t need it.

If you got into an accident, damaged a rental car, and don’t have collision coverage, you have to pay for it out of pocket. But if it’s with insurance —  depending on what the car insurance covers — the excess/deductible varies.

Only in Singapore will your car rental insurance cover you. If you plan on driving a rental car internationally, you should find out from the company whether or not coverage extends to driving in foreign countries.

Though some car rental insurance policies allow their vehicles to be driven abroad, these policies typically have coverage limits that do not extend to damage done while the vehicle is in foreign territory.

Gather proof from the scene —Pictures and videos can help. Collect things like medical certificates, bills, and other costs. Your insurance company will want to know about any accidents within 24 hours or by the next business day.

If not, the insurer might not pay for any claims related to the accident, and the hirer might have to pay for all damages caused by the accident. If you need to, take your car to a certified shop.

Questions? Contact Us Today!
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5 Common Damages On Your Car And What To Do

5 Common Damages On Your Car And What To Do

5 Common Damages On Your Car And What To Do

Common Damages On Your Car
Car accidents are very common. Here are 5 most vulnerable auto parts commonly involved in an car accident.

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No matter how cautious or skilled a driver is, a car accident is always possible, and you will encounter common damages on your car. Car accidents invariably result in financial losses regardless of what prompted the disaster.

If you’ve just been in your first car accident, you might wonder what things usually need fixing or replacing. Having this knowledge will help you make the best decisions possible in the event of a road accident.

Here are the five most vulnerable auto parts in the event of a car accident:


Car Bumper Damages

Since bumpers are intended to absorb the impact of minor collisions, they are particularly vulnerable to damage. 

A damaged bumper could indicate that you were in an accident, or whether a collision with another vehicle, a pole or a curb caused it. The bumper can be restored to like-new condition by simply polishing, sanding, or knocking out any minor damage.

When Is It Time To Fix Your Bumper Or Replace It?

If the bumper has cracks, it probably has to be replaced. Using epoxy or fibreglass to fix larger cracks is not recommended, even though it is possible with smaller ones. If the cracks are too large, the bumper’s ability to withstand impact forces may be compromised.

While do-it-yourself methods for repairing scratches and dents in a car’s bumper may work, professionals with access to high-quality plastic fillers can offer the best solution. Superior fillers are used in this procedure.

Each bumper is equipped with a corresponding hook to secure your bumper to the valance panel, grill, and splash guard. If these hooks get broken, the bumper won’t stay put and could sag, scrape the pavement, or even come off. You’ll have to get a new bumper because these hooks can’t be fixed or replaced.


It’s possible that your headlights could get broken in an accident. Two potential dangers emerge if this is the case. For starters, there’s the cover, which is often fashioned from perspex and is liable to crack and break upon impact. The second factor is the actual light bulb.

How To Determine If It's Time To Replace Or Fix Your Headlights

It is imperative first to assess the gravity of the accident. Mechanics can repair headlight covers if the damage is minor. If the cracks are minor, a trip to the car shop is in order, but replacement is recommended if the light output is diminished.

For safety reasons, you should never replace a car’s bulbs without disconnecting the battery. Avoid getting shocked while working on the lights. 

It is also essential to check the pigtails or the cables that supply power to the headlights for signs of wear and tear, such as burns, tears, or a musty odour. If you do, it may be necessary to inspect your electrical system.


Be sure you can tell the difference between a damaged bumper and a fender, as most individuals can’t! You have two fenders on each side of your car, one on each side of the front wheels and one on each side of the back wheels. 

The fenders are especially vulnerable in side-on collisions. Additionally, they are vulnerable to harm when navigating around obstacles and in close quarters. Ensure at least a few centimetres of clearance between your vehicle and the obstruction.

How To Determine If It's Time To Replace Or Fix Your Vehicle Fenders

If the damage to the fender is minor, it can be fixed. There may be some scratches, dents, and discolouration, but the fender will look brand new with a little TLC. 

However, if there is structural damage, it is probably best to replace the fender rather than risk further accidents. It’s possible that a fender that has been fixed won’t be as effective as a new one and that a small dent or ding could become a major problem if left unchecked.


Despite being surrounded by more vulnerable locations, grilles are surprisingly resistant to damage. Most drivers can see an accident coming and take steps to avoid it, like turning to the side, which can damage their bumpers, headlights, and fenders.

How To Determine If It's Time To Replace Or Fix Your Vehicle Grilles

Replacing the grille is usually the best solution. A new one will last much longer than a repaired one and will probably cost the same as the latter. It’s not simply about looks if you think about it —  useful since it keeps debris out of your engine compartment. 

Consequently, debris can enter your vehicle’s engine and cause further harm if your grille is broken. Moreover, the grille could break off and fly off in the middle of the road. 


Car hoods are the number one prone to damages for various causes, including minor collisions. A tree branch or other heavy object could significantly harm them, or simple wear and tear could render the hinges or latches ineffective.

How To Determine If It's Time To Replace Or Fix Your Vehicle Hoods

In the event of an accident, your car’s hood is designed to crumple to reduce damage. So, don’t dismiss hood dings as only aesthetic or inconsequential. 

A simple hinge or latch that gives way while you’re driving might cause a lot of difficulties. Immediately, work on fixing the latch if it doesn’t close securely.

Considering how common car accidents are, it’s natural for most of us to have this one major concern while shopping for a secondhand vehicle.

Conclusion About Common Damages On Your Car

Car accidents can be troublesome, maybe just minor accidents and even worse with major ones. At Hong Seh Leasing, we can guarantee the best car leasing you can ever experience! Contact us and let us know your car leasing needs

Frequently Asked Questions About Common Damages On Your Car

Even if you don’t believe you have injuries, you should get medical attention as quickly as you can after an accident. Your body probably also suffers damage if your car does. 

Taking care of these auto accident injuries will aid your speedy recovery, even for minor accidents like a strained muscle or a spinal misalignment.


Internal gasoline engine combustion can generate sufficient heat to melt and deform the metal. The cooling system prevents this from occurring by removing excess heat from the engine block and dispersing it. If your cooling system has been compromised or your head gasket has blown, your engine may overheat rapidly.

Broken Timing Belt

Numerous modern engines employ interference technology. This indicates that the pistons and valves occupy a portion of the same space within the cylinders, although not simultaneously. If the timing belt in your vehicle breaks, the pistons could strike the open valves and ruin them. This can easily cause engine damage.

Hydrodynamic Engine

Combustion engine pistons are designed to compress the mixture of fuel and air in the cylinder. Because air is easy to compress, this method works so effectively. In contrast, water is extremely difficult to compress.

If excessive water enters the cylinders, the piston or related components, like  the piston rod, may likely break while attempting to compress it, especially at high RPMs.

Insufficient Engine Oil

Your engine’s oil serves an essential role. It lubricates the engine’s moving parts to protect them from friction-related damage and overheating. If your engine lacks sufficient oil, the engine will deteriorate over time.

Here’s a list of the most-commonly repaired car parts:

  • The oil/oil filter changed
  • Wiper blades replacement
  • Replaced air filter
  • Scheduled maintenance
  • New tires

Here are the most common causes of vehicular accidents:

  • Drunk driving
  • Poor weather
  • Tired driver
  • Distracted driver
  • Speeding
Questions? Contact Us Today!