(Usage-based Car Insurance)

Re-thinking Choice & Value for Drivers. Pay 50% less upfront with usage-based car insurance.

You can now choose ePROTECT sMiles, our usage-based car insurance plan, that lets you save 50% upfront, and never more than 100% of your standard car insurance. This means you will no longer need to pay more than what you really require. Get on, and let’s go for a more delightful drive.

 Grab a coupon and enjoy a total discount of up to 58% off, limited to 5 coupons per day! Terms apply. 

Grab your coupon

Enjoy additional 15% off usage-based car insurance



Perfect for low-mileage drivers

  • For weekend drivers and drivers with 2nd car.
Easy and secure on-boarding

50% upfront savings

  • Save on your car insurance. Even if you exceed the mileage quota, we will never charge you more than 100% of your standard premium.
Smart and value-adding

  • Telematics app technology enables accurate mileage tracking. Learn driving tips with our Smiles by Etiqa Insurance mobile app.

Wonder How It Works

Save 50% of your car insurance premium at the start. Know what you are paying for with our transparent plan and payment model.

With ePROTECT sMiles, all drivers receive 6,000 km mileage for a year.

This 6,000 km mileage is broken down into quarterly mileage of 1,500 km. With our usage-based car insurance, we enable smarter tracking using our telematics solution, so you only pay for the mileage you drive. If you exceed 1,500 km in a quarter, a flat pay-per-km rate will then apply (rate differs from driver to driver).

Here is an example:

Upon purchase, you will receive an email with further details and a welcome kit via mail. The kit will come with instructions to download the ePROTECT sMiles mobile app, and your Beacon device.

Features & FAQs

Save 50% upfront and still enjoy the same comprehensive car insurance coverage.

Benefits for your car
a) accidental loss or damage by fire
b) loss or damage by theft
c) accidental loss or damage by other insured causes
Accidental loss or damage to
a) accessories and spare parts by fire and/or theft only
a)Towing to repairers or places of safety following accident
Your legal liability
a) death or bodily injury to other people
b) loss or damage to property of other people
c) your legal costs and expenses
Other benefits
a) personal accident benefits (for you only)
b) medical expenses
c) windscreen (excess of S$S100)
Excess for driver(s)
Excess for Named Driver Adjustable Excess
Additional Excess for Unnamed Driver S$500
Additional Excess for Elderly, Young and Inexperienced Driver S$2,000

Downloads & Forms

Important Notes:

This product is covered under PPF Scheme.


This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.


Information is correct as at 2 June 2017.