There are many options for car insurance, and one of the common choices for Singaporean car owners is to have insurance coverage in West Malaysia, as we tend to cross the border frequently.
You have to make a police report in the country where the accident happened, and more often than not, accident reporting centres are few and far between.
This leads to many drivers claiming from their own insurance company instead, and losing their No Claims Discount.
To avoid such situations, the solution is Causeway Own Damage Shield, or COD Shield for short. As its name suggests, it protects you from the possibility of making a claim on your own policy. COD Shield provides extensive coverage for your car, on top of your existing car insurance policy, when you are driving overseas.
How does it work?
It is very simple - all you need to do is to download the COD Shield app available on the App Store and Google Play, and you are only a few steps away from providing full coverage for your car when you are driving it in West Malaysia or Thailand.
There are various policies available. You can choose your policy type such as a day-by-day or a six-hour package.
Once done, all you have to do is take take photos of your car, submit your particulars and proceed with payment, and you are ready to be fully covered when driving across the border.
Approval is almost instant, and your car is instantly covered for the period you have insured it for.
Coverage starts from as low as $5, and the policies cover you from just a short supper trip or grocery run across the border, or road trips stretching over a few days.
What happens if I get into an accident?
Nobody wants to have an accident, and as mentioned, the paperwork that follows after an accident overseas can be long and frustrating.
All you have to do is to take photos showing the accident scene, the damages on the vehicles and the identification card(s) of the other party/parties involved in the accident. With this information, you can immediately submit a claim through the app.
Adding on to the fuss-free experience, you can also check the status of your claims through the app once you have submitted the claim.
Once you are back in Singapore, you can carry out the repairs at any of the approved workshops that COD Shield has partnered with.
Does this mean I will need mobile data overseas?
COD Shield has thought of this issue. Even when you do have data, your data connection can be a bit spotty, and sometimes you may not have any network.
Hence, there is an 'Emergency SMS' option, where you can notify the COD Shield team of your accident. Once you have a data network or WiFi, you can proceed to upload the photos and details of the accident.
So next time you drive overseas, be assured that your coverage is complete. To ensure peace of mind, there is always COD Shield.
To find out more about COD Shield, visit its official website here. The COD Shield app is available on both Android and Apple platforms.
