Car insurance is one of those necessities that ensure you and your vehicle are protected from the unforeseen. With so many options available, it can be daunting to choose the right policy. That’s where DirectAsia steps in, offering an easy-to-navigate platform for your car insurance needs.
In this review, we’ll explore the product’s features, claims process, coverage options and exclusions of DirectAsia Car Insurance.
DirectAsia Car Insurance Overview
DirectAsia has made a name for itself as a user-friendly insurance provider, enabling car owners to customize their policies to fit their specific needs. Known for their competitive rates and the ability to finalise a quote in minutes, DirectAsia emphasises simplicity and efficiency.
Key Highlights:
- Customisable Policies: Tailor your insurance to meet your needs and budget.
- Optional Benefits: Add-ons like 24-Hour Breakdown Assistance and NCD Protector Plus.
- Award-Winning Service: Recipient of the Direct Insurer of the Year Award 2020.
Table of contents
- Factors That Influence Your Car Insurance Premiums
- Types of Coverage
- Driver Coverage Comparison: Value, Value Plus and Flexible Plans
- Comparison of Optional Benefits
- DirectAsia Car Insurance Exclusions
- Conclusion
- FAQs About DirectAsia Car Insurance
Factors That Influence Your Car Insurance Premiums
Before we dive deeper into more details about the product, let’s start with something basic like the cost of car insurance premiums.
Here's a simple table that describes how car insurance premiums are typically calculated based on certain key factors:
|
Factor |
Description |
|
Car Model |
Premiums may vary depending on the model of the car, its safety features, and the risk of theft. |
|
First Year of Registration |
Older cars may have lower premiums, but age-related risks like breakdowns can also impact costs. |
|
Car Brand |
Some brands are considered at higher risk for theft or are more expensive to repair, affecting premiums. |
|
Average Mileage per Year |
Higher mileage can lead to higher premiums due to increased wear and tear and accident probability. |
|
No Claim Discount (NCD) at Renewal |
A higher NCD can significantly reduce premiums, rewarding claim-free years of driving. |
Types of Coverage
This table highlights the coverage differences across Third-Party Only, Third-Party Fire & Theft, and Comprehensive insurance plans.
|
Coverage Features |
Third-Party Only (TPO) |
Third-Party Fire & Theft (TPFT) |
Comprehensive (COMP) |
|
Injury to someone else in an accident |
✔ |
✔ |
✔ |
|
Damage to someone's property in a car accident |
✔ |
✔ |
✔ |
|
Legal costs & expenses following a car accident |
✔ |
✔ |
✔ |
|
Damage to your car by fire |
Not applicable |
✔ |
✔ |
|
If your car is stolen |
Not applicable |
✔ |
✔ |
|
Damage to your car if you crash into a third-party vehicle |
Not applicable |
Not applicable |
✔ |
|
Damage to your car if you crash into something besides a car |
Not applicable |
Not applicable |
✔ |
|
If there is non-crash damage to your car |
Not applicable |
Not applicable |
✔ |
|
Damage by flood or a natural disaster |
Not applicable |
Not applicable |
✔ |
|
Damage to your windscreen or windows |
Not applicable |
Not applicable |
✔ |
Driver Coverage Comparison: Value, Value Plus and Flexible Plans
This table presents the key distinctions between each plan.
|
Feature |
Value Plan |
Value Plus Plan |
Flexible Plan |
|
Number of Additional Drivers Covered |
Up to 4 named drivers |
Unlimited authorised experienced drivers, up to 2 young/inexperienced drivers |
Unlimited drivers, including experienced and inexperienced |
|
Limit on Young/Inexperienced Drivers |
Maximum of 2 |
Maximum of 2 |
No specific limit |
|
Definition of Experienced Driver |
Aged 30+ with 2 years valid driving licence |
Aged 30+ with 2 years valid driving licence |
Aged 30+ with 2 years valid driving licence |
|
Definition of Young/Inexperienced Driver |
Aged below 30 and/or less than 2 years' valid licence |
Aged below 30 and/or less than 2 years' valid licence |
Aged below 30 and/or less than 2 years' valid licence |
|
Effect on Premium |
Naming additional drivers may affect premium |
Naming additional drivers may affect premium |
Naming additional drivers may affect premium |
Comparison of Optional Benefits
What sets DirectAsia apart is the coverage with optional benefits at affordable prices. Here’s a look at these additional offerings:
|
Optional Benefit |
Third-Party Only Cover |
Third-Party Fire & Theft (TPFT) |
Comprehensive (COMP) |
|
24-Hour Breakdown Assistance |
Not applicable |
✔ |
✔ |
|
New for Old Replacement Car |
Not applicable |
Not applicable |
✔ |
|
Compensation for Loss of Use |
Not applicable |
✔ |
✔ |
|
My Workshop (Choice of Workshop) |
Not applicable |
✔ |
✔ |
|
Medical Expenses |
✔ |
✔ |
✔ |
|
NCD Protector Plus |
✔ |
✔ |
✔ |
|
Repatriation Costs |
Not applicable |
✔ |
✔ |
|
Personal Accident |
✔ |
✔ |
✔ |
|
My Accessories |
Not applicable |
✔ |
✔ |
DirectAsia Car Insurance Exclusions
Understanding what's not covered is as important as knowing what is. Here's a list of common exclusions:
- Damage from illegal racing or speed testing.
- Damages while under the influence of alcohol or drugs.
- General wear and tear of the vehicle.
- Non-disclosed modifications were made to the vehicle.
Conclusion
DirectAsia stands out as a convenient and reliable option for car insurance, especially for tech-savvy consumers and first-time insurers.
With a focus on customisation and ease of use, coupled with award-winning service, they offer a modern insurance experience that ensures peace of mind for drivers.
Their user-friendly online platform, efficient claims process and tailored coverage options make managing your policy straightforward and personalised to your needs.
However, it's crucial to make comparisons before making a purchase decision. While DirectAsia offers many advantages, other insurers may sometimes provide better rates or coverage for certain drivers or vehicles.
Take the time to compare quotes from multiple providers, carefully consider your specific insurance needs, and read policy terms thoroughly. Once you've done your research, if DirectAsia aligns with your requirements, don't wait — get your car insurance quote online and join the community of satisfied DirectAsia customers.
FAQs About DirectAsia Car Insurance
How quickly can I get a quote with DirectAsia?
You can receive a customised quote in just a few minutes through their user-friendly online platform.
Are there any discounts available for safe drivers?
Yes, DirectAsia offers incentives and discounts for safe drivers. This enhances the affordability of their policies.
What should I do if I need to make a claim?
Filing a claim is easy. Simply log in to your account on the DirectAsia website, complete the claim form, and submit it online at any time.
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