In the past 3 years, each insured driver, including myself:
- Has not been involved in any motor accidents and/or any claims records in the past 3 years
- Has not accumulated more than 12 driving-offence points
- Has not been disqualified from driving
- Did not have any motor policy being terminated or refused for quotation by another insurance company in the past
The motor vehicle:
- Has not been modified from manufacture's standard specifications
- Is not used for tuition purpose, rental, leasing, hire or reward (including but not limited to UBER or GOGOVAN or LALAMOVE or any car-sharing or any ride-sharing activities), rallies, competitions, speed testing, trials, motor sport or as courtesy car.