Collision Damage Waiver

Gigacover CDW is made for both vehicle owners and private hire drivers in Singapore who rent their passenger motor vehicles from rental companies.

The insured should have a valid driver’s license or Taxi Driver’s Vocational Licence (TDVL) or Private Hire Car Driver’s Vocational Licence (PDVL).

Section 1 (Own Damage) Excess
The amount you pay towards the repair or replacement of your own vehicle following an accident, fire, or theft.

Section 2 (Third-Party) Excess
The amount you pay toward claims made against you by others. This covers costs related to damaging someone else's property (like their car or a guardrail) or causing bodily injury to third parties.

Combined (All Risks) Excess
The maximum total amount you pay for a single accident that involves both damage to your vehicle and claims from a third party. This "caps" your total out-of-pocket expense for the entire incident.

You should select a level of coverage for CDW that is the same as that of the excess indicated:
- in your rental contract (if you are renting, not the vehicle owner)
- in your primary motor insurance certificate (if you are the vehicle owner).

You should not purchase a CDW policy with different excess than what is stated in your rental contract or primary motor insurance certificate. If you do, the insurer reserves the right to make claims payouts with their own discretion.

e.g. If your rental contract states that:
your Section 1 (Own Damage) excess is $1500, and
your Section 2 (3rd Party) excess is $2000,
You should select CDW excess of Section 1 = $1500 / Section 2 = $2000

e.g. If your rental contract states that:
Combined (All Risk) excess is $2,500
Then you should select "Combined Excess" of $2,500.
Do not select Section1 or Section2.

If you are unsure, do contact us for assistance before purchasing.

No. Please contact hey@gigacover.com for assistance.

Log into your application at https://app.gigacover.com/sg/login

Click on "claims" and proceed to submit a claim. You will be asked for various details and supporting documents, which are listed below.

You can log into https://app.gigacover.com/sg/login to check your claim status.

If you’re concerned about the status of your claim, you can always email us at hey@gigacover.com or contact us on Whatsapp, and we’ll respond to you as soon as we can.

To keep premiums affordable for most customers, and to minimize abuse and fraud, some exclusions apply. Some key examples (non-exhaustive) of exclusions that will not be claimable include:
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Young & inexperienced drivers (YIDs) are those who are younger than 24 years old and/or have less than 2 years of driving experience.
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Do inform us if YIDs are driving your vehicles as there is additional premium loading to cover them.