Rental-car excess cover · Singapore travellers

Your rental’s insurance stops where the damage starts.

The counter sells you “full cover” — then leaves you liable for the excess, up to SGD10,000 or 1 claim per policy, plus the parts they quietly exclude. RoadPlus+ covers what they won’t.

Get covered — from SGD198 →2-minute quote · instant policy

Up to SGD10,000 or 1 claim per policy21 APAC countries + WorldwideWhatsApp claims

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The gap you didn’t know you had

Collision Damage Waiver is not what it seems.

CDW looks like it covers everything — until you read the exclusions. Here’s what the same three incidents cost with basic CDW alone versus with RoadPlus+.

A pillar in the car park

A tight multi-storey in Kyoto. A scraped bumper and a cracked wheel — you barely felt it.

Your outcomeOut of pocket

Basic CDW onlyWheels & tyres excluded — the excess is yours

SGD2,400

With RoadPlus+ paid SGD198Reimbursed to your bank

SGD0

A hit-and-run while parked

Someone clipped the door at the mall and drove off. No other party, no split bill — all yours.

Your outcomeOut of pocket

Basic CDW onlyFull excess charged to you

SGD3,500

With RoadPlus+ paid SGD198Reimbursed to your bank

SGD0

Gravel on the South Island

Loose stones peppered the underbody on the way to the glacier. Invisible — until they inspect it.

Your outcomeOut of pocket

Basic CDW onlyUnderbody excluded — full charge

SGD6,800

With RoadPlus+ paid SGD198Reimbursed to your bank

SGD0

Why not just buy at the counter?

RoadPlus+ vs the rental counter.

Feature	RoadPlus+	Rental counter
Excess reimbursement		Often an extra charge
Coverage limit	Up to SGD10,000 or 1 claim per policy	Varies by desk
Claims support	Singapore-based	Typically overseas
Transparency		Often limited

RoadPlus+ is an Excess Protection product that reimburses out-of-pocket charges. It requires at least basic CDW from the rental company. Excludes trucks, vans, motorcycles, motorhomes, and peer-to-peer rentals.

Everything the fine print leaves out

Your shield on the road.

Comprehensive excess protection designed for Singapore travellers who rent cars overseas.

Excess Reimbursement

Pay the rental company upfront. We reimburse you up to SGD10,000 or 1 claim per policy. No deductibles.

21 APAC Countries

From Japan to New Zealand, Thailand to South Korea. Or go Worldwide with our global plan.

CDW Gap Coverage

Tyres, windscreen, underbody, mirrors, lights — the damage CDW doesn’t cover.

All Drivers Covered

Additional drivers on the rental agreement are automatically protected. No extra cost.

WhatsApp Claims

Submit your claim via WhatsApp. Singapore-based team. Responses in minutes, not days.

10-Day Processing

Claims processed within 10 business days. Reimbursement direct to your bank account.

Simple by design

How it works

Buy before your trip

From SGD198. Takes 2 minutes — policy in your inbox instantly.

Something happens?

Pay the rental company. Collect the docs & photos before you return the keys.

Submit via WhatsApp

Reimbursed within 10 business days, straight to your bank account.

Where you’re covered

Two plans. Pick your map.

Cover 21 countries across Asia-Pacific, or go Worldwide. Priced upfront — no daily rental-counter fees.

Real trips. Real money back.

Singapore → Japan

Amount savedSGD2,800

“Cracked a wheel on a car-park pillar in Kyoto. Sent photos on WhatsApp that night, reimbursed before I flew home.”

Singapore → New Zealand

Amount savedSGD6,800

“Gravel roads wrecked the underbody. The rental’s cover excluded all of it — RoadPlus+ didn’t.”

Singapore → Thailand

Amount savedSGD1,900

“Someone hit the car while it was parked. Claim approved and paid in three days, straight to my bank.”

Before you book the car

Frequently asked questions

What is RoadPlus+ and what does it cover?

RoadPlus+ is an Excess Protection product that reimburses you for out-of-pocket charges when something goes wrong with your rental car overseas. It covers rental excess charges, damage excluded by basic CDW (tyres, windscreen, underbody), rental company fees (admin, towing, loss-of-use), theft, vandalism, and weather damage. Policy limit is up to SGD10,000 or 1 claim per policy, whichever is reached first.

Who distributes and underwrites RoadPlus+?

RoadPlus+ is distributed by Trade Risk Solutions, a MAS-licensed insurance broker, and underwritten by ECICS Insurance Singapore — so your policy is backed by a licensed Singapore insurer.

How is RoadPlus+ different from rental counter insurance?

RoadPlus+ is purchased before your trip at a fixed price, saving you from expensive daily rental-counter charges (SGD20–40/day). It covers items often excluded by basic CDW like tyres, windscreens, and underbody. Claims are handled locally in Singapore via WhatsApp, not through an overseas call centre.

Which countries are covered under the APAC plan?

The APAC Plan covers 21 countries: Malaysia, Thailand, Indonesia, Brunei, Cambodia, Laos, Myanmar, Philippines, Vietnam, China, Hong Kong SAR, Macao SAR, Taiwan, South Korea, Japan, Australia, New Zealand, India, Sri Lanka, Mongolia, and Timor-Leste.

What does the Worldwide plan cover?

The Worldwide Plan covers all of the world excluding the USA, Afghanistan, Belarus, Cuba, Democratic Republic of Congo, Iran, Libya, Liberia, North Korea, Somalia, South Sudan, Sudan, Syria, Yemen, the territories of Crimea (including Sevastopol, Donetsk, Luhansk, Zaporizhzhia, and Kherson), and any country which the Ministry of Foreign Affairs of Singapore advises against travelling to or recommends postponing travel to.

Do I still need CDW from the rental company?

Yes, RoadPlus+ requires you to have at least the basic Collision Damage Waiver (CDW) from the rental company. RoadPlus+ works alongside your rental coverage to reimburse the excess charges and fees that CDW doesn’t cover. It does not replace rental insurance.

What vehicle types are covered?

Most rental cars including sedans, SUVs, and EVs are covered. Excluded vehicles include: trucks, vans, buses, motorcycles, scooters, motorhomes, RVs, campervans, and performance/racing vehicles. Peer-to-peer car-sharing rentals (e.g. Turo) are not covered.

Are additional drivers covered?

Yes, all additional drivers listed on the rental agreement are automatically covered under your RoadPlus+ policy. You must be the primary renter, and additional drivers must hold a valid Singapore Driving license.

Sort the cover before the itinerary.

Two minutes now saves a five-figure surprise later. Covered from SGD198.

Get my quote →See what’s covered