Who is eligible for RentalShield?

All hirer-partners renting from GrabRentals or Grab’s Fleet Partners are eligible at no cost. Under RentalShield, hirer-partners will benefit from fuel discounts, auto excess, and rental recovery policies.

The scheme runs from 1 Oct 2019 – 30 Sep 2020. We will review it closer to the end date and make announcements regarding any changes.

What fuel benefits do GrabRentals Hirer-Partners and Fleet Partner Hirers in Diamond and Sapphire tier receive under RentalShield?

All GrabRentals Hirer-Partners (regardless of Emerald Circle tier) and Diamond & Sapphire Hirers renting from Fleet Partners will enjoy 30% Caltex fuel discounts.

What fuel benefits do Emerald & Ruby tier hirers renting from Fleet Partners receive under RentalShield?

Emerald & Ruby members renting from Fleet Partners will enjoy 24% Caltex fuel discounts.

On top of that, they will also enjoy SGD20 rebate if they refill more than 500L of fuel per month.

Please note that these benefits are available for main hirers only. 

Where can the Caltex discount card be collected?

You may collect your Caltex card from the Grab Driver Centre @ Sin Ming. Kindly note that an appointment has to be made as part of social distancing measures put in place to contain the spread of COVID.

How does the Auto Excess cover work?

The cover is designed to reduce the financial burden of the driver in the event where he/she is required to pay excess due to an accident involving his/her rented vehicle.

How much is the sum insured offered under the cover?

Hirer-partners are covered up to an excess of S$1,500 per claim.

How many claims am I entitled to per year?

Hirer-partners are entitled to a cap of 2 claims per hirer per policy year. The current policy year is from 1 October 2019 to 30 September 2020.

How do I apply for the policy?

No application is required. You are included in the cover as long as you have rented a vehicle from GrabRentals or a Fleet Partner. 

Will I be liable for any charges?

Claims under this policy include a $500 deductible amount, which you will be liable for on the first $500 for any excess incurred. The $1,500 coverage applies from the $501 dollar onwards. Please refer to the examples below:

Example 1 

• Mr Lim has an accident where he pays an auto excess of $5,000
• He files a claim under his Auto Excess policy which contains a $500 deductible
• Once the claim is approved, Chubb will pay Mr Lim $1,500
• Therefore, Mr Lim only incurs a loss of $3,500 as auto excess

Example 2

• Mr Tan has an accident where he pays an auto excess of $1,500 
• He files a claim under his Auto Excess policy which contains a $500 deductible
• Once the claim is approved, Chubb will pay Mr Tan $1,000
• Therefore, Mr Tan only incurs a loss of $500 as Auto Excess

How does the RentalShield Auto Excess policy affect my voluntary Auto Excess purchased from Chubb previously?

Your voluntary Auto Excess purchased from Chubb still protects you for the purchased sum insured. You can enjoy this cover (Chubb voluntary Auto Excess) on top of RentalShield Auto Excess.

Example:

• Mr Lim is already insured for $2,000 under the Chubb voluntary Auto Excess
• He has an accident where he pays auto excess of $5,000
• He files a claim under the RenalShield Auto Excess policy which contains a $500 deductible AND he also files a separate claim under his voluntary Auto Excess policy which contains a $500 deductible
• He informs Chubb that he has both policies and wishes to claim under both
• Chubb now knows not to charge the deductible twice
• Once the claim is approved, Chubb will pay Mr Lim $1,500 from the RentalShield Auto Excess policy and $2000 from the voluntary product.
• Therefore, Mr Lim only incurs a loss of $1,500 as auto excess

Does the Auto Excess policy cover accidents overseas? 

The policy provides 24/7 coverage for accidents in Singapore and West Malaysia only.

What types of vehicles are covered or not covered by the policy?

There is no restriction on the vehicle type as long as:

• It is rented either from GrabRentals or Fleet Partners, and 
• The vehicle is registered with Chubb.

Will my coverage still be valid if I am temporarily suspended or permanently banned at the time of the claim?

The coverage is not applicable for Grab Hirer-Partners who are either suspended or banned during the time of accident, even if they had an active contract at that point in time.

Is it possible for me to purchase a separate auto excess policy with higher limits?

Yes, you are allowed to purchase a separate policy with higher limits; however, in the event of a coverage overlap, both policies will share the cost of the claims for the overlapping cover.

What happens if I made a claim under the Auto Excess cover, but subsequently recovered the excess paid from a third party due to “not at fault” nature of the accident?

The policy excludes any form of excess paid by you which are recoverable or refundable. In this regard, Chubb reserves the right to claw back any claims paid if the excess paid by you is recovered or refunded.

How do I make an Auto Excess claim?

Submitting claims

You can submit your claims via email to autoclaims.sg@chubb.com or call the Chubb claims hotline at +65 6299 0988 for assistance (Mon-Fri excluding PH, 9am-5pm). A copy of the claim form can be downloaded here.

Supporting documents 

• Kindly refer to the claim form for the list of supporting documents needed.
• Upon receiving your claim request and all the supporting documents, the claim assessment will commence and will be finalised.
• Once your claim is accepted, you will be reimbursed via bank transfer within 5-7 business days.

What is covered under the Rental Recovery Program?

Rental recovery reimburses you for loss of vehicle rental costs if you are unable to drive due to accidental injury or sickness. Reimbursement is up to $60 per day, subject to policy terms and conditions.

When does the coverage begin?

You are covered automatically from 1 October 2019 or from the first day you start driving with Grab. You must also have a valid rental agreement with GrabRentals or a Fleet Partner.

Are pre-existing medical conditions covered?

No, pre-existing medical conditions are not covered.

Pre-existing medical condition refers to any condition for which you knew or should reasonably have known about, including symptoms which existed before your cover incepted under the policy, where a doctor was consulted or for which treatment or medication was prescribed within a twelve (12) month period preceding your covering incepting under the policy. 

What if a Relief Driver drives on my behalf?

There is no benefit payout if a Relief Driver takes over your vehicle and drives for the purposes of private hire activities while you are unfit to drive.

Am I covered out of Singapore?

Yes, this policy covers you 24 hours a day anywhere in the world. But you must be certified by a Singapore-based doctor confirming your inability to drive.

Does the policy only cover me when I am driving?

No, this policy also provides you coverage even during your own leisure time, provided that your Relief Driver is not using the vehicle for private hire driving while you are unfit to drive.

Will my coverage still be valid if I am temporarily suspended or permanently banned at the time of the claim?

No, the coverage is not applicable for Grab Hirer-Partners who are either suspended or banned during the time of accident or sickness, even if they had an active contract at that point in time.

Does this policy cover me for sickness?

Yes, it covers you on any accidental injury as well as sickness (excluding pre-existing medical condition(s)).

Does this policy cover me for the entire period I am sick or hospitalised?

There is a required minimum number of consecutive medical or hospitalisation days required before you are eligible to claim. This will depend on your Emerald Circle Tier, and whether you are claiming for Medical Leave or Hospitalisation Leave.

You could refer to this table to determine the required minimum number of days: 

⁽¹⁾Applicable to all GrabRentals and Fleet Partners hirer-partners

⁽²⁾Inclusive of Medical Leave

The maximum aggregate pay-out you are eligible for under Medical Leave and Hospitalization Leave combined is 60 days during the policy period.

Medical Leave means temporary Bodily Injury or Sickness which entirely prevents you from driving.

Hospitalization Leave must (i) the period of your Hospital confinement, or (ii) the period as certified by a Doctor in a Hospital that you need to rest or are required to undergo further medical treatment to recover following discharge from a Hospital.

No benefit shall be payable from the date you return to perform duties as a Grab Driver.

In the meantime, GrabRentals hirer-partners can also utilise the medical rental recovery benefit under GR Beyond without the minimum required medical leave days.

Is there an excess period before I can make a claim?

Yes:

1. If you are Grab hirer-partner in the Diamond and Sapphire on the occurrence of the claim event, there is an Excess Period of three (3) days for Medical Leave Benefit and one (1) day for Hospitalization Leave benefit.
2. If you are Grab hirer-partner in the Ruby and Emerald tier on the occurrence of the claim event, there is an Excess Period of five (5) days for Medical Leave Benefit and 1 day for Hospitalization Leave benefit.

Excess Period refers to the period of time you are unable to drive due to Medical Leave or Hospitalization Leave giving rise to a claim during and for which no benefits are payable.

What is the premium to pay?

Premium is wholly subsidized by Grab.

Can I increase or decrease my coverage limit or add on coverage for my dependents after I purchase the coverage?

No, coverage limit is entirely dependent on your Emerald Circle tier, which is subject to change at the beginning of every quarter.

How will the claim be disbursed?

You will receive the claim payout via Electronic Funds Transfer (EFT) to your bank account. Alternatively, you may also select the option to receive the payment via cheque.

How do I make a claim for Grab Rental Recovery

Please download a copy of the claim form here and submit the completed form to

a&hclaims.sg@chubb.com. Alternatively, you may contact Chubb’s Customer Service Hotline at +65 6299 0988 for assistance (Mon-Fri excluding PH, 9am-5pm).

Supporting documents

For claims, please ensure to complete a claim form and attach:

(a) medical certificate;

(b) rental agreement with GrabRental or Affiliated Partners;

(c) medical report;

(d) any reports that have been obtained from the police, a carrier or other authorities about the road traffic accident (if applicable);

(e) any other documentary evidence required by us under your Policy.

Claims Payment

Upon receiving your claim request and all the supporting documentations, the claim assessment will commence. Once your claim is accepted, you will be reimbursed via bank transfer within 7 – 10 business days.

You may choose to receive the payout by cheque or through an internet transfer.

**List of participating Fleet Partners is subject to change. At any time during your rental agreement with the participating Fleet Partner, if the Fleet Partner loses its status as a Fleet Partner, you will no longer be eligible for the promotion described herein.