Safe Driving - The Ultimate Way to Save on Premiums!

Our minds are busy. It’s easy to begin thinking about work, the kids, or that comment your mother-in-law made, and not think about what you're doing in the moment. This can lead to missing out on some of life’s greatest moments, and it can also be incredibly dangerous—especially if you’re driving.

Safe driving can help keep you and the ones you love protected from life-threatening ramifications. It can also save you hundreds of dollars a year.

Why safe driving?

Most of us drive almost every day. You have to drive to work, drive home, drive to run errands. We spend a lot of time on the roads. There are also a lot of accidents that happen on the road. Safe driving protects you and your loved ones from these accidents. Other than protection, safe driving can benefit you and save you money in many different ways.

Traffic Tickets

It can seem pretty easy to get a traffic ticket in Singapore due to the many enforced traffic laws. Practicing safe driving can help you avoid getting a traffic ticket and an increase in your insurance premiums because of that ticket.

Maintenance and Repairs

If you aren’t paying attention or are driving aggressively, you risk causing minor or major damage to your car. You can wear your car down faster as well as risk the possibility of a breakdown because of overheating. Being an unsafe driver also puts you at a higher risk of being in a car accident which could cost you big time in repairs. Being a safe driver can help you avoid this.

Petrol Costs Over Time

The way you drive also has a significant impact on your fuel consumption and how much you will spend on petrol. Drivers who speed as well as practice sudden breaking and who change their speed frequently will likely spend more on petrol over time. Driving smoothly and at safe speeds could save you as much as S$500 or more a year in petrol costs.

Earn NCD!

Safe drivers should see an increase in their NCD each year they do not have an at-fault-claim. After only five years your 50% NCD discount could save you 57% on your premium. This could bring you huge savings. You could easily save hundreds per year. Un-safe drivers will not have this money saving opportunity.

Demerit point free discount!

If you can maintain a demerit-point-free driving record for three years, you may be eligible for a Certificate of Merit (COM). A COM will entitle you to a discount on your car insurance premium. This only applies for participating insurance companies but, it may go over and above your NSB.

Prevent increase in premiums due to claims!

Safe drivers are avoiding accidents left and right. Therefore, they are also avoiding an increase in premiums as well. When you have to file a claim with your car insurance company, your premiums will inevitably go up as a result. Drivers can avoid paying more for their premiums if they don’t have to file a claim. Drive safe—avoid a claim.

How to ensure safe driving?

Safe driving can be as simple as making sure you are patient, alert, and focused when on the road.

Eliminate possible distractions by putting your phone away and avoiding the use of car accessories while driving. Make sure to obey the traffic laws and keep an eye out for sudden changes or hazards in traffic. Remember to use your mirrors to check your blind-spots, and signal before changing lanes. Never drive if you are under the influence of alcohol or if you have taken a medication that may cause drowsiness.

There are many different things you can do to ensure safe driving. It may help to take a driving course to refresh your driving skills and expand your knowledge on driving.

Choosing to drive safe means choosing to save lives and save money. Make the right choice.