Drive Master

Drive Master

Car insurance scheme that rewards you for good driving behaviour.

Free Trial for Drive Master

Register for your 6-month FREE TRIAL of the Drive Master car insurance scheme here!

What it covers

Coverage for Drive Master is based on Income’s Drivo™ Classic/ Premium/Prestige plans.

Vehicle repairs

We reimburse expenses for repairs done at more than 30 quality workshops chosen by Income. You can also upgrade your plan and have repairs done at the workshop of your choice.

Losses and damages

We cover vehicle loss and damages due to accidental causes, fire, floods, natural disasters or theft.

Third-party damages

We provide coverage against your legal liability arising from any accident for death or bodily injury to any person and damage to third-party property.

Personal accident benefit

We provide personal accident benefits and coverage for medical expenses incurred due to a car accident.

Towing service and windscreen cover [1]

We provide coverage for towing services up to $500 and unlimited windscreen cover.

Full coverage information


Enjoy up to 20% premium discount[2] off your preferred Drivo™ car insurance plan when you renew your policy, simply by being a good driver. The amount of discount awarded for your good driving behaviour will be based on a driving score, tracked by the Drive Master mobile app. This will be on top of any applicable No-claim discount (NCD) and loyalty discount at the point of policy renewal.

Your driving score will be determined by speeding, manoeuvres, mileage, and drive time.


Drive Master discount table

Driving score (upon 100) Premium discount[3]
Above 95 20%
91 - 95 15%
81 - 90 10%
70 - 80 5%

You will receive a 5% loyalty discount if you have been insuring your vehicle with us for more than three years.

We provide 24-hour referral services for road and medical assistance if you are travelling in West Malaysia[4].

We provide useful claim advice, assistance in filing of the accident report, and assessing the damages to your vehicle at our conveniently located accident reporting centres.

We provide an optional benefit to protect your no-claim discount (NCD) if it is at least 30%. However, we will automatically grant you free NCD protection when you renew your policy with us if you have been enjoying NCD of 50% from us in the last two consecutive years.

We provide flexible credit card instalment payment plans for you[5].


Receive LinkPoints when you sign up for Drive Master car insurance scheme from 15 Feb 2017 to 31 Dec 2017.

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Enhance your coverage

Drivo™ Premium Plan

You will be able to have your vehicle repairs done at the workshop of your choice if you upgrade to the Premium Plan.

Drivo™ Prestige Plan
If you are a Porsche car owner (Panamera, Cayenne, Cayman, Boxter and 911), you can purchase this enhanced coverage plan[6] specially tailored for you.

Coverage for Prestige Plan
Get additional coverage if you drive frequently to Malaysia
Your standard motor policy covers you while driving in Malaysia. If you need extra cover, we offer an optional Motor Insurance Extension rider which provides additional coverage for our private car insurance policyholders and/or the authorised driver and/or passengers who drive into Malaysia regularly. There is also an option to choose the duration of this coverage.

Coverage in Malaysia
Daily transport allowance

You can get an optional daily transport allowance cover which pays $50 a day, from the first day of repairs for up to seven days. This only applies to your first two claims.

Excess waiver cover[7]
You can get this optional cover to waive the basic excess of $600 when you claim under your motor policy.
Important Notes


  1. A windscreen excess of S$100 (or any other amount shown on the certificate of insurance) applies for each and every claim under the following plans: Drivo™ Premium and Drivo™ Classic plan. For Drivo™ Prestige plan, the windscreen excess is S$1,000 (or any other amount shown on the Schedule or certificate of insurance) applies for each and every claim.
  2. The 20%  Drive Master discount is applicable only to owners of cars under the Drive Master scheme who score above 95 points (upon a max score of 100) in the past 6 months before their next policy renewal. They must also clock a minimum mileage travelled of 5,000km over the past 6 months to be eligible for this discount.
  3. The Drive Master discount is based on the driver’s driving score achieved in the past 6 months before their next policy renewal. They must also clock a minimum mileage travelled of 5,000km over the past 6 months to be eligible for this discount.
  4. The 24-hour referral services for road and medical assistance are available within Peninsular Malaysia, which includes Penang and Langkawi but excludes the rest of the islands. This service is applicable for Income Private Car Policyholders only.
  5. This is only valid for payment made using your UOB, OCBC or DBS/POSB credit card. Other terms and conditions apply.
  6. This plan is available for named drivers who are above the age of 33 and have at least three years of driving experience without any accident claim.
  7. This cover is only applicable to Drivo™ Premium and Drivo™ Classic plan. This excess waiver is not applicable to policies with excess of above $600.



There are certain conditions whereby the benefits under this plan will not be payable. You can refer to your policy contract for the precise terms, conditions and exclusions of the plan. The policy contract will be issued when your application is accepted.

General notice

This page is for general information only. You can find the usual terms and conditions of the Drive Master scheme at, Drivo Classic and Drivo Premium plans at, Drivo Prestige plan at and Motor Insurance Extensions (Rider) at

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the websites of the General Insurance Association of Singapore, the Life Insurance Association, Singapore  or Singapore Deposit Insurance Corporation.



Information is correct as of 26 April 2017

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