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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.



Limit of Liability

Summary of BenefitsUMaxUMax Plus

1. Comprehensive coverage of Insured Vehicle against accidental loss or damage

Market Value of Insured Vehicle at time of loss or damage

2. Liability To Third Parties

  • Death or bodily injury to any person

  • Damage to property




3. Personal Accident Benefits

  • Policyholder



  • Authorised Driver and/or passenger (up to legal seating capacity)

Up to $10,000 each

Up to $50,000 each

4. Medical Expenses

  • Policyholder

Up to $1,000

Up to $1,000

  • Authorised Driver and/or passenger (up to legal seating capacity)

Up to $1,000 each

Up to $1,000 each

5. Choice of Workshops for accident repairs to Insured Vehicle

MSIG’s authorised workshops

Any workshop

6. Transport allowance while the Insured Vehicle undergoes repairs following accident damage if the approved repair period is more than 3 days. Where this benefit applies, cover starts from the first day of repair.

Not Covered

$50 per day
Up to 10 days

7. New for Old Replacement (High performance, sports makes and high value vehicles excluded)
Replaces with a new vehicle of the same make, model and engine capacity up to $100,000 above the market value of the Insured Vehicle at the time of a Total Loss or Constructive Total Loss occurring within 12 months of its first registration, or pays for the difference. This benefit does not cover losses caused by flood, theft or robbery of the Insured Vehicle.

Not Covered


8. Windscreen

Windscreen Cover due to breakage, subject to excess of $100 for each claim.

Excess will be waived where repair to the windscreen is done instead of a replacement. 

Auto reinstatement

9. Replacement of Car Lock and Keys



10. Loss of Personal Effects in Insured Vehicle



11. 24 hours Automobile and Medical Assistance Services

  • Auto Assistance Helpline Services for emergency towing, roadside assistance, vehicle repatriation, accident & police report notification, locksmith referral and more

  • Emergency medical evacuation and repatriation of the Policyholder for accidents within the Geographical area (excluding Singapore) in connection with the Insured Vehicle


Up to $50,000

Optional Cover for Vehicle Service in West Malaysia
Additional premium of $53.50 (including GST)

1. Vehicle Location Service using the MSIG Connected Car app.


2. 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.

Up to $1,000

Geographical Area:

Singapore, West Malaysia and that part of Thailand within 80 kilometres of the border between Thailand and West Malaysia.


Cover is subject to an Excess for vehicle damage repairs.

An additional Young and/or Inexperienced Driver Excess of $3,000 applies for any person (other than Policyholder) who is under 27 years old and/or has held a valid driving licence for 2 years or less.

Understanding Excess

Understanding the Excess

Standard Excess:

Refers to the excess amount as shown in the policy schedule plus the young and/or inexperienced driver excess if applicable. This excess applies for the first 60 days from the start of the policy.

Effective Standard Excess (ESE):

The Effective Standard Excess is the Standard Excess adjusted according to the Drive Score Category, based on the 30 days of driving before the accident.

Drive Score Category & Effective Standard Excess

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 categories will enjoy a waiver of Excess as below:

Drive Safe, Pay Less

Scenario 1

Samantha’s 24 year-old son just got his driver’s license. He drives her car and gets into 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 the 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.

Scenario 2

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 Standard Excess is $0, as he will enjoy 100% waiver of Excess.

Getting Started

Step 1 - Installation of the telematics device

  1. Please drive the insured car to any of the designated VICOM workshops to install the device 3 working days after the policy is issued.

    No prior appointment is required and installation takes approximately 30 mins.

    Installation of the device must be done within 30 days from the policy commencement date.

  2. The 4 designated VICOM workshops are:

    • Sin Ming - 385 Sin Ming Drive, Singapore 575718

    • Bukit Batok - 511 Bukit Batok Street 23, Singapore 659545

    • Yishun - 501 Yishun Industrial Park, Singapore 768732

    • Kaki Bukit - 23 Kaki Bukit Ave 4, Singapore 415933

  3. Opening hours for all designated workshops:

    Mondays to Saturdays: 8:00am to 5:00pm

    (excluding Sundays and public holidays)


Step 2 - Registration of account

  1. Enter your 8 digit policy number and create your Username and Password.

  2. Enter your email address under the "Vehicle Administration" tab of the portal. The registration is now completed.

  3. Once your registration is done, download the MSIG Connected Car mobile Application. For iPhones, you will require iOS version 8.0 or higher. For Android phones, you will require Android version 4.0 or higher.

  4. Log in using the Username and Password you have created on the web portal.

  5. You can check your drive score and trip history after the policy start date and successful installation of the device.


MSIG Connected Car Web Portal MSIG Connected Car Web Portal


For more information about the car portal functions, please visit here.


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 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 within 7 working days prior to the policy cancellation to have the telematics device professionally removed before the handover of the vehicle to your car dealer or agent.

The device remains the property of MSIG and must be returned when the insurance is no longer in force. The de-installation costs at VICOM will be borne by MSIG. 

If you need more assistance, please call our Customer Service hotline at +65 6827 7661 from 8.45am to 5.30pm, Monday to Friday (except Public Holidays). 

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.


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 driver purchase this plan?

No. 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?

You 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

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.

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