Frequently Asked Questions

Freelancer Earnings Protection

What happens after I submit a claim?
You will receive a claim submission email to inform you of your successful claim submission.

Our claims processing team will begin processing your claim immediately and you may see the status of your claim by logging in Gigacover’s web portal.

We may contact you if more information/document is needed to process your claim.
How can I check the status of my claim?
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.
How will I receive my claims payout?
You will receive your claim payout via the payment option you have indicated upon claims submission.

Motor Excess Reduction
Collision Damage Waiver

Who can purchase Gigacover MER/CDW?
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).
How do I know what level of excess coverage I should select?
Section 1 (Own Damage) excess typically refers to the amount you need to pay for accidental loss or damage to the vehicle you rent/ own.

Section 2 (3rd Party) excess typically refers to the amount you need to pay for accidental injury, loss, or damage caused to a 3rd party by the vehicle you rent/ own.

You should select a level of coverage for CDW that is the same as that of the excess indicated:- on your rental contract (if you are renting, not the vehicle owner)- primary motor insurance (if you are the vehicle owner)You should not purchase a CDW policy with higher excess than the maximum excess liability stated on your rental contract/primary motor insurance. In the event of a claim, the insurer will not be able to pay more than the excess indicated on your rental contract/ primary motor insurance.

We do not recommend purchasing a CDW policy with lower excess than what is stated on your rental contract/primary motor insurance.

For example, 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
Can I change the excess levels that are being covered?
No. Please contact hey@gigacover.com for assistance.
What documents are required in the event of a claim?
  • Claim Documents
  • For All Claims:

    - Claim Form
    - Certificate of Motor Insurance
    - Rental Agreement
    - GIA Report
    - Copy of NRIC & Driving License 
  • For Section I:

    - Tax Invoice/ Receipt for Proof of Excess paid
    - Original repair invoice & photos (Within Excess)
    - Photos after repair of OI vehicle 
  • For Section II:

    - Settlement Confirmation/Discharge Voucher/Recovery Letter from Primary Insurer
    - Proof of payment of excess to the insurer
How can I check the status of my claim?
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.
What are some exclusions that do not qualify to be claimed?
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:

  • If your accident happens outside of Singapore
  • If the accident happened before the start of your policy coverage
  • If you are the insured party but were not the driver of the vehicle that got into the accident
  • If you bought a policy with MORE coverage than the maximum excess liability stated on your rental contract

Freelancer Health

Where do I submit a claim and how long will it take?
Please use the designated insurer’s mobile app to submit your claim. 

Typically, the insurer will take 2-3 weeks upon submission of all required documents. You can check your progress using the insurers mobile app or you can reach out to our customer service.
What documents do I need to submit a claim?
Required documents for Inpatient Claims:
  • Inpatient Form (Download the form here)
  • Hospital and Medical Bills (BIR-approved official receipts for consultations fees, medicines, and laboratories.)
  • Lab Requests (For lab expenses, lab requests signed by the concerned doctor.)
Required documents for Outpatient Claims:
  • Outpatient Form (Download the form here
  • Medical Certificates (Diagnosis should be indicated.) 
  • Hospital and Medical Bills (BIR-approved official receipts for consultations fees, medicines, and laboratories.)
  • Lab Requests (For lab expenses, lab requests signed by the concerned doctor.)
Which E-wallets or Banks can I choose for my Claims payout?
You can select the following e-wallet and bank options for direct payout once your claims are approved.
E-wallet
  • Coins.PH
  • Gcash
  • Maya
Banks
  • Asia United Bank Corporation
  • Bank of Commerce
  • Bank of the Philippine Islands
  • BDO Private Bank Inc.
  • BDO Unibank, Inc.
  • China Banking Corporation
  • East West Banking Corporation
  • Metropolitan Bank and Trust Company
  • Philippine Bank of Communications
  • Philippine National Bank
  • Philippine Trust Company
  • Philippine Veterans Bank
  • Rizal Commercial Banking Corporation
  • Robinsons Bank Corporation
  • Security Bank Corporation
  • Union Bank of the Philippines
  • United Coconut Planters Bank