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t-baba · 8 years ago

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Kotlin From Scratch: Advanced Properties and Classes

Kotlin is a modern programming language that compiles to Java bytecode. It is free and open source, and promises to make coding for Android even more fun.

In the previous article, you learned about classes and objects in Kotlin. In this tutorial, we'll continue to learn more about properties and also look into advanced types of classes in Kotlin by exploring the following:

late-initialized properties

inline properties

extension properties

data, enum, nested, and sealed classes

1. Late-Initialized Properties

We can declare a non-null property in Kotlin as late-initialized. This means that a non-null property won't be initialized at declaration time with a value—actual initialization won't happen via any constructor—but instead, it will be late initialized by a method or dependency injection.

Let's look at an example to understand this unique property modifier.

class Presenter { private var repository: Repository? = null fun initRepository(repo: Repository): Unit { this.repository = repo } } class Repository { fun saveAmount(amount: Double) {} }

In the code above, we declared a mutable nullable repository property which is of type Repository—inside the class Presenter—and we then initialized this property to null during declaration. We have a method initRepository() in the Presenter class that reinitializes this property later with an actual Repository instance. Note that this property can also be assigned a value using a dependency injector like Dagger.

Now for us to invoke methods or properties on this repository property, we have to do a null check or use the safe call operator. Why? Because the repository property is of nullable type (Repository?). (If you need a refresher on nullability in Kotlin, kindly visit Nullability, Loops, and Conditions).

// Inside Presenter class fun save(amount: Double) { repository?.saveAmount(amount) }

To avoid having to do null checks every time we need to invoke a property's method, we can mark that property with the lateinit modifier—this means we have declared that property (which is an instance of another class) as late-initialized (meaning the property will be initialized later).

class Presenter { private lateinit var repository: Repository //... }

Now, as long as we wait until the property has been given a value, we're safe to access the property's methods without doing any null checks. The property initialization can happen either in a setter method or through dependency injection.

repository.saveAmount(amount)

Note that if we try to access methods of the property before it has been initialized, we will get a kotlin.UninitializedPropertyAccessException instead of a NullPointerException. In this case, the exception message will be "lateinit property repository has not been initialized".

Note also the following restrictions placed when delaying a property initialization with lateinit:

It must be mutable (declared with var).

The property type cannot be a primitive type—for example, Int, Double, Float, and so on.

The property cannot have a custom getter or setter.

2. Inline Properties

In Advanced Functions, I introduced the inline modifier for higher-order functions—this helps optimize any higher-order functions that accept a lambda as a parameter.

In Kotlin, we can also use this inline modifier on properties. Using this modifier will optimize access to the property.

Let's see a practical example.

class Student { val nickName: String get() { println("Nick name retrieved") return "koloCoder" } } fun main(args: Array<String>) { val student = Student() print(student.nickName) }

In the code above, we have a normal property, nickName, that doesn't have the inline modifier. If we decompile the code snippet, using the Show Kotlin Bytecode feature (if you're in IntelliJ IDEA or Android Studio, use Tools > Kotlin > Show Kotlin Bytecode), we'll see the following Java code:

public final class Student { @NotNull public final String getNickName() { String var1 = "Nick name retrieved"; System.out.println(var1); return "koloCoder"; } } public final class InlineFunctionKt { public static final void main(@NotNull String[] args) { Intrinsics.checkParameterIsNotNull(args, "args"); Student student = new Student(); String var2 = student.getNickName(); System.out.print(var2); } }

In the generated Java code above (some elements of the generated code were removed for brevity's sake), you can see that inside the main() method the compiler created a Student object, called the getNickName() method, and then printed its return value.

Let's now specify the property as inline instead, and compare the generated bytecode.

// ... inline val nickName: String // ...

We just insert the inline modifier before the variable modifier: var or val. Here's the bytecode generated for this inline property:

// ... public static final void main(@NotNull String[] args) { Intrinsics.checkParameterIsNotNull(args, "args"); Student student = new Student(); String var3 = "Nick name retrieved"; System.out.println(var3); String var2 = "koloCoder"; System.out.print(var2); } // ...

Again some code was removed, but the key thing to note is the main() method. The compiler has copied the property get() function body and pasted it into the call site (this mechanism is similar to inline functions).

Our code has been optimized because of no need to create an object and call the property getter method. But, as discussed in the inline functions post, we would have a larger bytecode than before—so use with caution.

Note also that this mechanism will work for properties that don't have a backing field (remember, a backing field is just a field that is used by properties when you want to modify or use that field data).

3. Extension Properties

In Advanced Functions I also discussed extension functions—these give us the ability to extend a class with new functionality without having to inherit from that class. Kotlin also provides a similar mechanism for properties, called extension properties.

val String.upperCaseFirstLetter: String get() = this.substring(0, 1).toUpperCase().plus(this.substring(1))

In the Advanced Functions post we defined a uppercaseFirstLetter() extension function with receiver type String. Here, we've converted it into a top-level extension property instead. Note that you have to define a getter method on your property for this to work.

So with this new knowledge about extension properties, you'll know that if you ever wished that a class should have a property that was not available, you are free to create an extension property of that class.

4. Data Classes

Let's start off with a typical Java class or POJO (Plain Old Java Object).

public class BlogPost { private final String title; private final URI url; private final String description; private final Date publishDate; //.. constructor not included for brevity's sake @Override public boolean equals(Object o) { if (this == o) return true; if (o == null || getClass() != o.getClass()) return false; BlogPost blogPost = (BlogPost) o; if (title != null ? !title.equals(blogPost.title) : blogPost.title != null) return false; if (url != null ? !url.equals(blogPost.url) : blogPost.url != null) return false; if (description != null ? !description.equals(blogPost.description) : blogPost.description != null) return false; return publishDate != null ? publishDate.equals(blogPost.publishDate) : blogPost.publishDate == null; } @Override public int hashCode() { int result = title != null ? title.hashCode() : 0; result = 31 * result + (url != null ? url.hashCode() : 0); result = 31 * result + (description != null ? description.hashCode() : 0); result = 31 * result + (publishDate != null ? publishDate.hashCode() : 0); return result; } @Override public String toString() { return "BlogPost{" + "title='" + title + '\'' + ", url=" + url + ", description='" + description + '\'' + ", publishDate=" + publishDate + '}'; } //.. setters and getters also ignored for brevity's sake }

As you can see, we need to explicitly code the class property accessors: the getter and setter, as well as hashcode, equals, and toString methods (though IntelliJ IDEA, Android Studio, or the AutoValue library can help us generate them). We see this kind of boilerplate code mostly in the data layer of a typical Java project. (I removed the field accessors and constructor for brevity's sake).

The cool thing is that the Kotlin team provided us with the data modifier for classes to eliminate writing these boilerplate.

Let's now write the preceding code in Kotlin instead.

data class BlogPost(var title: String, var url: URI, var description: String, var publishDate: Date)

Awesome! We just specify the data modifier before the class keyword to create a data class—just like what we did in our BlogPost Kotlin class above. Now the equals, hashcode, toString, copy, and multiple component methods will be created under the hood for us. Note that a data class can extend other classes (this is a new feature of Kotlin 1.1).

The equals Method

This method compares two objects for equality, and returns true if they're equal or false otherwise. In other words, it compares if the two class instances contain the same data.

student.equals(student3) // using the == in Kotlin student == student3 // same as using equals()

In Kotlin, using the equality operator == will call the equals method behind the scenes.

The hashCode Method

This method returns an integer value used for fast storage and retrieval of data stored in a hash-based collection data structure, for example in the HashMap and HashSet collection types.

The toString Method

This method returns a String representation of an object.

data class Person(var firstName: String, var lastName: String) val person = Person("Chike", "Mgbemena") println(person) // prints "Person(firstName=Chike, lastName=Mgbemena)"

By just calling the class instance, we get a string object returned to us—Kotlin calls the object toString() under the hood for us. But if we don't put the data keyword in, see what our object string representation would be:

com.chike.kotlin.classes.Person@2f0e140b

Much less informative!

The copy Method

This method allows us to create a new instance of an object with all the same property values. In other words, it creates a copy of the object.

val person1 = Person("Chike", "Mgbemena") println(person1) // Person(firstName=Chike, lastName=Mgbemena) val person2 = person1.copy() println(person2) // Person(firstName=Chike, lastName=Mgbemena)

One cool thing about the copy method in Kotlin is the ability to change properties during copying.

val person3 = person1.copy(lastName = "Onu") println(person3) //Person3(firstName=Chike, lastName=Onu)

If you're a Java coder, this method is similar to the clone() method you are already familiar with. But the Kotlin copy method has more powerful features.

Destructive Declaration

In the Person class, we also have two methods auto-generated for us by the compiler because of the data keyword placed in the class. These two methods are prefixed with "component", then followed by a number suffix: component1(), component2(). Each of these methods represents the individual properties of the type. Note that the suffix corresponds to the order of the properties declared in the primary constructor.

So, in our example calling component1() will return the first name, and calling component2() will return the last name.

println(person3.component1()) // Chike println(person3.component2()) // Onu

Calling the properties using this style is difficult to understand and read, though, so calling the property name explicitly is much better. However, these implicitly created properties do have a very useful purpose: they let us do a destructuring declaration, in which we can assign each component to a local variable.

val (firstName, lastName) = Person("Angelina", "Jolie") println(firstName + " " + lastName) // Angelina Jolie

What we have done here is to directly assign the first and second properties (firstName and lastName) of the Person type to the variables firstName and lastName respectively. I also discussed this mechanism knows as destructuring declaration in the last section of the Packages and Basic Functions post.

5. Nested Classes

In the More Fun With Functions post, I told you that Kotlin has support for local or nested functions—a function that is declared inside another function. Well, Kotlin also similarly supports nested classes—a class created inside another class.

class OuterClass { class NestedClass { fun nestedClassFunc() { } } }

We even call the nested class's public functions as seen below—a nested class in Kotlin is equivalent to a static nested class in Java. Note that nested classes can't store a reference to their outer class.

val nestedClass = OuterClass.NestedClass() nestedClass.nestedClassFunc()

We're also free to set the nested class as private—this means we can only create an instance of the NestedClass within the scope of the OuterClass.

Inner Class

Inner classes, on the other hand, can reference the outer class it was declared in. To create an inner class, we place the inner keyword before the class keyword in a nested class.

class OuterClass() { val oCPropt: String = "Yo" inner class InnerClass { fun innerClassFunc() { val outerClass = this@OuterClass print(outerClass.oCPropt) // prints "Yo" } } }

Here we reference the OuterClass from the InnerClass by using this@OuterClass.

6. Enum Classes

An enum type declares a set of constants represented by identifiers. This special kind of class is created by the keyword enum that is specified before the class keyword.

enum class Country { NIGERIA, GHANA, CANADA }

To retrieve an enum value based on its name (just like in Java), we do this:

Country.valueOf("NIGERIA")

Or we can use the Kotlin enumValueOf<T>() helper method to access constants in a generic way:

enumValueOf<Country>("NIGERIA")

Also, we can get all the values (like for a Java enum) like this:

Country.values()

Finally, we can use the Kotlin enumValues<T>() helper method to get all enum entries in a generic way:

enumValues<Country>()

This returns an array containing the enum entries.

Enum Constructors

Just like a normal class, the enum type can have its own constructor with properties associated to each enum constant.

enum class Country(val callingCode: Int) { NIGERIA (234), USA (1), GHANA (233) }

In the Country enum type primary constructor, we defined the immutable property callingCodes for each enum constant. In each of the constants, we passed an argument to the constructor.

We can then access the constants property like this:

val country = Country.NIGERIA print(country.callingCode) // 234

7. Sealed Classes

A sealed class in Kotlin is an abstract class (you never intend to create objects from it) which other classes can extend. These subclasses are defined inside the sealed class body—in the same file. Because all of these subclasses are defined inside the sealed class body, we can know all the possible subclasses by simply viewing the file.

Let's see a practical example.

// shape.kt sealed class Shape class Circle : Shape() class Triangle : Shape() class Rectangle: Shape()

To declare a class as sealed, we insert the sealed modifier before the class modifier in the class declaration header—in our case, we declared the Shape class as sealed. A sealed class is incomplete without its subclasses—just like a typical abstract class—so we have to declare the individual subclasses inside the same file (shape.kt in this case). Note that you can't define a subclass of a sealed class from another file.

In our code above, we have specified that the Shape class can be extended only by the classes Circle, Triangle, and Rectangle.

Sealed classes in Kotlin have the following additional rules:

We can add the modifier abstract to a sealed class, but this is redundant because sealed classes are abstract by default.

Sealed classes cannot have the open or final modifier.

We are also free to declare data classes and objects as subclasses to a sealed class (they still need to be declared in the same file).

Sealed classes are not allowed to have public constructors—their constructors are private by default.

Classes which extend subclasses of a sealed class can be placed either in the same file or another file. The sealed class subclass has to be marked with the open modifier (you'll learn more about inheritance in Kotlin in the next post).

// employee.kt sealed class Employee open class Artist : Employee() // musician.kt class Musician : Artist()

A sealed class and its subclasses are really handy in a when expression. For example:

fun whatIsIt(shape: Shape) = when (shape) { is Circle -> println("A circle") is Triangle -> println("A triangle") is Rectangle -> println("A rectangle") }

Here the compiler is smart to ensure we covered all possible when cases. That means there is no need to add the else clause.

If we were to do the following instead:

fun whatIsIt(shape: Shape) = when (shape) { is Circle -> println("A circle") is Triangle -> println("A triangle") }

The code wouldn't compile, because we have not included all possible cases. We'd have the following error:

Kotlin: 'when' expression must be exhaustive, add necessary 'is Rectangle' branch or 'else' branch instead.

So we could either include the is Rectangle case or include the else clause to complete the when expression.

Conclusion

In this tutorial, you learned more about classes in Kotlin. We covered the following about class properties:

late initialization

inline properties

extension properties

Also, you learned about some cool and advanced classes such as data, enum, nested, and sealed classes. In the next tutorial in the Kotlin From Scratch series, you'll be introduced to interfaces and inheritance in Kotlin. See you soon!

To learn more about the Kotlin language, I recommend visiting the Kotlin documentation. Or check out some of our other Android app development posts here on Envato Tuts!

Android SDK

Concurrency in RxJava 2

Chike Mgbemena

Android SDK

Sending Data With Retrofit 2 HTTP Client for Android

Chike Mgbemena

Android SDK

Java vs. Kotlin: Should You Be Using Kotlin for Android Development?

Jessica Thornsby

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How to Create an Android Chat App Using Firebase

Ashraff Hathibelagal

by Chike Mgbemena via Envato Tuts+ Code http://ift.tt/2yKtcoo

#CSS3 #HTML5 Branding #HTML5 Weekly #HTMLl5 demos #Javascript #Javascript Branding #Javascript Weekly

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myridesg · 8 years ago

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Complete Guide to Car Insurance Quotes in Singapore

Just bought your first car? Looking for the best car insurance quotes in Singapore? Planning to switch to another insurer? Whatever your reasons are, the important thing is to make sure you compare from a list of good car insurers.

This essential guide will focus on car insurance quotes from popular licensed insurers. You can be assured that your car is in safe hands as these underwriters are governed under the Insurance Act (Cap. 142) required by the Monetary Authority of Singapore.

We’ll also reveal which company offers instant car insurance quotes online. Why is this important? Sometimes we just want to get an estimate, and online car insurance quotes make it easier. This is useful if you’re planning to buy a car and want to work out if your car insurance policy is within your budget.

There are 13 companies in this list, sorted by alphabetical order. Let’s check them out!

1. AIG

Online Car Insurance Quotes: Yes

AIG offers 2 plans, Autovalue and Autoplus.

Autovalue is a basic plan that covers basic car insurance needs. Its benefits include:

Personal accident cover: death or permanent disability. Pays above any existing accident or insurance policy

Key replacement and tow truck if locked out of car

Selection of authorized workshops

Autoplus offers enhanced benefits:

Unlimited loss-of-use car replacement

New replacement car for cars less than 36 months

Excess waiver for safe drivers

Lifetime repair guarantee

$1,000 excess waiver

Key replacement and tow truck if locked out of car

24-hour roadside assistance and towing service

Selection of authorized workshops

AIG offers a comprehensive overview of both packages on their website. You can also download their product brochures, fact sheet and application form online.

AIG does not offer car insurance quotes online. You can choose to leave your contact details with them and request for a callback.

2. AXA

Online Car Insurance Quotes: Yes

AXA offers a personal plan called SmartDrive. In fact, four banks in Singapore—American Express, Citibank, HSBC and OCBC—offer the same policy for purchase via their bank.

SmartDrive Essential offers basic protection that includes:

24/7 towing and transportation

Guaranteed repairs for 12 months

Flood protection

Delivery of repaired car to your preferred location

There is an option to upgrade the plan to SmartDrive Essential Plus, SmartDrive Flexi Plus, SmartDrive Flexi Family, and SmartDrive for Her.

Product brochures, application forms and other documents can be downloaded from their website.

AXA offers car insurance quotes online. The online form is easy to use, well-designed, and gives you a quote within minutes. There is also an option to call their agent, or request for a callback.

3. AVIVA

Online Car Insurance Quotes: Yes

AVIVA doesn’t have a fancy name for its car insurance coverage. However, their website offers plenty of resources with details of their Car Insurance policy.

Their comprehensive package includes coverage for:

Accidental loss, fire or theft damage

Injury to you or any passengers

Medical expenses

Loss of personal belongings

Child seat cover

Use of car while in West Malaysia and Peninsula Thailand

Assistance at the scene of the accident

New car replacement for cars less than 12 months old

Replacement lock and keys

Free loss-of-use car

AVIVA offers product brochures, application forms and policy documents for download on their website.

AVIVA lets you get car insurance quotes online. The form is simple and easy to use. There is also an option to call their agent or email them.

4. China Taiping

Online Car Insurance Quotes: No

Some of you might not have heard of China Taiping. They started off as China Insurance in 1938, and merged with Tai Ping Insurance in 2002. They consolidated their operations and renamed themselves as China Taiping in 2009.

China Taiping offers two plans, AutoSafe and AutoExcel. However, it’s not clear what is the difference between both. The proposal form lists the 3 main types of cover: comprehensive, third-party fire and theft, and third-party only.

China Taiping does not offer car insurance quotes online. There is a “Get Quotation” option which brings the user to an information collection form, where an agent will follow-up on your query.

Their website’s overall design seems outdated. Despite offering personal motor insurance, China Taiping seems geared towards the commercial market.

5. Direct Asia

Online Car Insurance Quotes: Yes

Direct Asia’s website offers a fresh look and is easy to navigate. It’s easy to tell they are capturing the market of new car owners who may not know much about auto insurance.

They offer a comprehensive coverage, third-party fire and theft, and third-party only.

Their comprehensive package covers:

Injury to someone else in an accident

Damage to someone's property in a car accident

Legal costs and expenses following a car accident

Damage to your car by fire

Stolen car coverage

Crashes into a third-party vehicle

Non-crash damages to your car

Damage by flood or a natural disaster

Damage to your windscreen or windows

You can also add on various optional benefits such as 24 months new-for-old replacement, NCD protection, and compensation for loss-of-use.

Direct Asia offers car insurance quotes online. The process is simple and uses simple drop-down menus. You can also choose to call them directly, or leave details for a callback.

6. EQ Insurance

Online Car Insurance Quotes: No

EQ Insurance built their business initially through the construction industry, but have since extended their business to all classes of non-life insurance to personal and commercial clients.

EQ offers Private Motor, a comprehensive car coverage plan with these benefits:

Reimbursed expenses for repairs at their panel of workshops

Medical expenses coverage as a result of an accident directly involving the owner’s vehicle

Third-party damages

Personal accident benefit

Coverage for medical expenses incurred

You can download their brochure and application form from their website.

EQ Insurance doesn’t offer car insurance quotes online. You can either call them, email them or fill out an online contact form.

7. ETIQA

Online Car Insurance Quotes: Yes

ETIQA offers a refreshing take in the insurance industry crowded with several competitors. Unlike others, the information presented on ETIQA’s website is clear and straightforward.

They offer 3 plans: comprehensive, third-party fire and theft, and third-party only.

Their private car insurance plan offers the following:

No restrictions on use of motor workshops

Personal accident cover of up to $20,000 for the insured

Medical expenses of up to $200

Towing service of up to $200

Free windscreen cover

third-party liability including bodily injury and property damage

There is also an option to add on a NCD protector.

ETIQA provides car insurance quotes online, and you can purchase your car insurance directly from their website. Alternatively, you can email them or call their agent directly.

ETIQA’s car insurance quote page is easy to use. All you need to do is fill-out the required information via a drop-down menu, and you’ll be shown a price chart for their 3 plans. It’s convenient for those who need a quick gauge of how much their car insurance is going to cost.

Their product brochure, policy and application form can also be downloaded online.

8. FWD

Online Car Insurance Quotes: Yes

FWD is a new player in the car insurance industry. They launched in April 2016, starting with corporate insurance. In September 2016, FWD began offering direct-to-consumer personal insurance.

FWD has a different take on car insurance (and generally the whole insurance business). By leveraging on technology and the Internet, they offer instant quotes to customers, and an easy way to purchase online. It’s a great strategy to appeal to the millennial generation.

FWD offers 3 car insurance plans: Classic, Executive and Prestige. All 3 plans have roughly the same benefits; with the difference being medical coverage, towing costs, personal belongings damage, and lower claims for certain benefits.

FWD offers car insurance quotes online. The form is similar ETIQA’s, whereby you fill out drop-down menu options. It then shows you an instant quote for their Classic plan, and the option to enter a coupon code, if any. The next page shows you their quotes for all 3 plans: Classic, Executive and Prestige, with an option to select the plan that you want.

9. Hong Leong Assurance

Online Car Insurance Quotes: No

Hong Leong Assurance is part of the Hong Leong Group, and offers personal car insurance plan called Protect360.

Some of the benefits include:

Loss or damage to your car

third-party liability

Medical expenses

Personal accident coverage

Free towing up to $500

Authority to repair for minor works

24-hours automobile and emergency services

Hong Leong Assurance doesn’t offer instant car insurance quotes online. You need to fill out your details on their online quote form to request a callback. Alternatively, you can call them to apply over the phone.

You can download their brochure for Protect360 online. It’s a pity HL Assurance doesn’t offer instant quotes, despite having a nice interface for their website.

10. MSIG

Online Car Insurance Quotes: Yes

MSIG offers a car insurance plan called MotorMax Plus. This plan can also be bought through DBS or POSB (DriveShield), or Standard Chartered (Ultimate Car Protector).

Here are some benefits of MotorMax Plus:

Accidental loss or damage

third-party liability

Personal accident benefits

Medical expenses

Choice of workshop for repairs

Transport allowance

New-for-old replacement

Windscreen coverage

24-hours assistance services

Despite their outdated website design, I was surprised to discover that MSIG offers instant car insurance quotes online. However, you need to enter a lot of information including your email address and NRIC number before you’re presented with a quote. Personally, I’d like to see them adopt ETIQA or FWD’s approach – provide a quote first, then get personal details during the application stage.

You can download the MotorMax product brochure online. You also have the option of calling their agent. However, there is no option to email them for a quote.

11. NTUC Income

Online Car Insurance Quotes: No

NTUC offers 3 kinds of car insurance coverage: Drivo, Drive Master and FlexiMileage. The Drivo plan can also be purchased at POSB.

All 3 plans offer the following benefits:

Vehicle repairs

Loss and damage coverage

third-party damages

Personal accident benefit

Towing service

Windscreen coverage

The difference between their 3 plans is not clear. Each plan offers additional upgrades which are rather confusing for new car insurance buyers. At a glance, all 3 plans seem to offer the same benefit, which makes it hard for new drivers to decide. The easiest way to understand their car insurance coverage is to download the brochures for the 3 plans.

There is no option to get instant car insurance quotes online. You can either call their agent or visit their office to purchase their car insurance plans.

12. Sompo

Online Car Insurance Quotes: Yes

Sompo is part of Sompo Holdings, an insurance provider in Japan for over 100 years. They’ve been around in Singapore since 1989 offering personal and commercial insurance.

Sompo offers 3 car insurance plans: ExcelDrive Prestige, ExcelDrive Gold, and ExcelDrive Focus. Each plan offers some variations to the coverage.

All 3 plans include these benefits:

Free NCD protector if you’re enjoying 30% NCD and above

5% offence-free discount if NCD is 30% and above

Loss-of-use benefits of $100 per day, up to 10 days

Free personal accident cover up to $20,000

Free cover for legal liability of passengers

24-hour emergency services

The information presented on Sompo’s website is simple to understand. Even though they offer 3 plans, it’s easy to compare them at a glance.

Sompo offers instant car insurance quotes online. However, you have to fill out a lengthy application form before a quote is presented. Alternatively, you can call their agent to make an enquiry.

Their product brochure and application forms can be downloaded from their website.

13. UOI

Online Car Insurance Quotes: No

UOI is a member of the UOB group and provides personal and commercial insurance services. If you purchase an insurance policy from UOB, chances are it is underwritten by UOI.

UOI offers comprehensive, third-party fire and theft, and third-party only plans. All 3 plans offer the following:

Accidental death or injury to other parties

Accidental damage to other parties' property

Legal liability of passenger for acts of negligence

The comprehensive package includes these additional coverage:

Vehicle damaged by fire or stolen

Accidental damage to vehicle

Medical expense coverage

Personal accident coverage

Windscreen coverage

There is no option to get car insurance quotes online. You can download their application form, product brochure, and policy contract from their website. To purchase a policy, you’ll need to call them or visit a UOB branch.

So Which Car Insurance Policy Is Better?

The difference is a matter of choice. Some of us find it more convenient to visit our neighbourhood bank to apply for a car insurance policy.

However, do note that if you visit retail banks such as Citibank, DBS or OCBC, you’ll be purchasing car insurance plans underwritten by AXA, MSIG or NTUC Income. For example, DBS offers car insurance quotes from MSIG and NTUC. This is true for all retail banks in Singapore except for UOB – theirs is underwritten by UOI.

If you enjoy price comparison and doing your own research, then consider underwriters like AVIVA, Direct Asia, ETIQA, or FWD. These insurers offer instant car insurance quotes online without having to call an agent or submit your personal details for a callback.

If you’ve been driving for many years, and plan to shop around for a new insurer—whatever your reasons may be—why not consider another company? That’s the whole point of getting car insurance quotes online; you get to compare your current policy without the hassle of speaking to an agent.

At the time of writing, all 13 companies are members of the General Insurance Association of Singapore, so you can be sure that they are operating under full disclosure.

I’ll be updating this list frequently. I hope to see some of the companies on this list move towards offering instant car insurance quotes, or at least attempt to rebuild a better signup page like how Direct Asia and ETIQA have done.

I hope this list helps!

#car #insurance #singapore

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