At AFFINBANK, SmartDrive provides you and your car with All-In-One Protection - many extra value added benefits, and around the clock assistance when you need it most.


Loss or damage to your own vehicle due to accidental fire, theft or accident. Your liability or your authorized dirvers liability to third parties for:

  • Bodily injury and death; and property loss or damage.

Optional Benefits:

  • Riot, Strike and Civil Commotion
  • Breakage of glass in windscreen, window or sunroof
  • Passenger liability cover
  • Damage arising from flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, Landslide,landslip or sinking of the soil/earth or other convulsion of nature
  • Strike, riot or civol commotion
  • Compensation for Assessed Repair Time
  • Current Year NCD Relief
  • Vehicle Accessories
  • Driver’s and Passengers’ Personal Accident Plan

AXA SmartDrive Assistance Plan - FREE!!

AXA SmartDrive Assistance Plan (ASAP) is a roadside assistance program that provides a host of benefits and services for you free when you insure your car with SmartDrive. Amongst the benefits of ASAP are:

  • 24 hours hotline service 1-800-88-1033 for immediate advice, assistance and general claim information
  • Towing services when your car meets with an accident or breakdown
  • 6 months repair warranty and many more

AXA Panel Workshops

The panel workshops under AXA SmartDrive Assistance Plan (ASAP) provide quality repairs to your vehicles. A 6 Month Warranty Certificate is issued to guarantee the repaired works.

Frequently Asked Questions

Does SmartDrive Private Car Insurance cover private car only?


Can I buy a Third Party cover under Smart Drive Private Car Insurance?

No. Only comprehensive cover is available under Smart Drive Private Car Insurance.

Can I extend SmartDrive to cover windscreen, radio cassette and others?

Yes, you can cover all the extensions provided under the Motor Tariff. The common extension are as follows:

  1. Riot, Strike and Civil Commotion
  2. Windscreen cover
  3. Additional named drivers
  4. Radio/ Cassette/ CD player
  5. Legal Liability to Passengers.
Are there any vehicles that require special consideration for acceptance?

Yes. There are different terms that may apply to some vehicles such as certain models of 4 wheel drives (4WD), luxury vehicles and sports/coupe models.

How may I know more about AXA Smart Drive Assistance Plan (ASAP)?

An ASAP booklet describing full details of it's services with a list of participating motor workshops will be given to you together with your policy

What is the age limit under the Driver's & Passengers' PA Insurance?

The maximum age is 70 years old. However, children under 12 years old are entitled to 50% of loss of life and disablement benefits.

Motor Cycle


If you choose Comprehensive cover you are protected against damage to your vehicle and its accessories.

For more information, please call us at 03-2055 9733 or 03-2731 5338 or you may download, complete and fax the Proposal Form to 03-2026 4675.

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