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5 Cheapest Car Insurance Plans in Singapore

Navigating the complex landscape of car insurance in Singapore requires a keen understanding of both the costs and benefits associated with various plans. In this analysis, we’ve scrutinized multiple insurance providers to offer you a comprehensive overview of your options. Here’s a breakdown of some of the most prominent insurance plans available, helping you make an informed decision tailored to your specific needs and budget.

Allianz Motor Protect: Affordable Comprehensive Coverage
Starting at S$865.05, Allianz Motor Protect stands out for its budget-friendly yet comprehensive coverage. With flexible excess options and a unique “Agreed Value Payout at Total Loss” benefit, this plan caters to individuals seeking economical coverage without compromising on essential features.

Etiqa Comprehensive: Tailored Excess Options
Etiqa Comprehensive, starting from S$835.26, offers the flexibility of choosing your excess level, allowing you to align your premiums with your financial comfort zone. This plan also stands out with lower vulnerable driver excess, translating to potential savings and making it an attractive option for those who prefer customizable plans.

Singlife Lite: Affordable Option for Young Drivers
Priced at S$1,311.58, Singlife Lite offers competitive premiums, particularly benefiting young and inexperienced drivers. With waived excesses for windshield repairs and drivers falling into these categories, immediate savings are ensured in case of accidents. Additionally, the reduced NCD deduction of only 10% for ‘at-fault’ claims helps you save money and maintain your NCD discount more easily.

NTUC Drivo: Popular Choice with Loyalty Benefits
NTUC Drivo, starting from S$1,935, is a popular choice in Singapore. Its comprehensive coverage, reasonable premiums, and competitive benefits make it a favorite among drivers. Moreover, loyalty to NTUC can lead to additional savings, including a free NCD protector after two consecutive years of 50% NCD, further reducing your premiums.

FWD: Best Value Comprehensive Coverage
FWD, priced from S$2,138, offers extensive coverage with competitive benefits. While it has slightly higher premiums, the marginal difference translates to just S$14 more per month than the closest competitor. FWD stands out with substantial legal cost coverage and a unique one-time payout of S$250,000 for surviving children if both parents are involved in a car accident, providing valuable additional protection.

Image Credits: unsplash.com

Each option presents a balance between affordability and comprehensive benefits, ensuring that you can find a plan tailored to your specific requirements and financial considerations. Remember to carefully assess your needs and preferences before making a decision, ensuring that you select a plan that offers the right coverage for your unique situation.

Sources: 1 & 2

These two banks join OCBC & Citibank to restrict bank digital services usage if unverified apps on phones are found

And they are none other than DBS and UOB, the two big local bank names we’re aware of.

So news has it that new security measures will be implemented to protect customers from scams.

These measures include…

DBS’ anti-malware tool for Android

Following in the footsteps of OCBC and Citibank, DBS announced that they have developed an anti-malware tool for Android phones.

This tool aims to prevent scammers from illegally accessing customers’ accounts by limiting app access when potential risks such as malware or malicious applications on customers’ phones are detected.

Starting early this month, if sideloaded apps with accessibility permission enabled or ongoing screen-sharing or mirroring are detected on devices, access to DBS’ banking app will be restricted.

Customers will only be able to regain access once they have taken the necessary action to secure their phones.

I’ve received an email with official updates from DBS yesterday (30 September 2023) since I’m their customer:

Check your email if you don’t want to take my word for it.

UOB, too, rolls out anti-malware security features

Similarly, UOB will be introducing new anti-malware security features on its banking app gradually.

These updates will restrict access to the app if apps downloaded from third-party or unauthorized sites with risky permissions are detected.

An error message will be sent, indicating the name of the potentially risky app.

To continue using UOB’s digital services, you will need to uninstall or disable accessibility permissions for the mentioned app.

Similar to DBS, access to UOB’s banking app will be denied if screen-sharing on other apps or tools is detected on your phone.

This measure aims to prevent scammers from gaining control of your device and compromising banking information.

You can only resume using the app by disabling screen sharing.

What bank users think

If you don’t already know, OCBC was the first to implement these new security measures in September 2023, followed by Citibank.

While these measures are designed to counter the threat of malware scams, not everyone accepts them with a huge “thank you.”

Some OCBC customers have expressed concerns about privacy on the bank’s social media platforms.

But it’s rather uncalled for because the head of anti-fraud at OCBC group financial crime compliance noted that it’s a misconception that the bank can scan phones and view personal content.

In short, your information does not get to the bank. Your privacy is yours to keep.

DBS Singapore Country Head also acknowledged that these measures may cause some inconvenience for customers but emphasized their importance in ensuring secure digital transactions.

UOB also reassured customers that their new security features do not monitor phone activities or collect and store personal data.

The Monetary Authority of Singapore (MAS) says it supports local banks’ initiatives to increase the safety of online banking.

So while you may experience some additional inconvenience due to the recent security measures, they are necessary to maintain the security in digital banking.

Latest WFH internships posted from 25 to 28 September 2023

We’re at the end of September and here’s our last WFH internships post for the month to wrap things up.

If you’re looking at this and someone you know is looking for a remote internship opportunity, share it with them!

Let’s get started with this week’s openings, shall we?

#1: Coding Hero Pte Ltd – Business Development Intern

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A post shared by Coding Hero SG +6594562307 (@codingherosg)

Website: codinghero.sg

Allowance / Remuneration: $800 – 1,000 monthly

Job Qualifications

Excellent spoken and written skills.
Software Development Knowledge is a huge plus.
Be pursuing Business/Management-related courses in university.
Excellent with Excel and other digital tools
Relevant experience in Business development would be an advantage.
A personal laptop is required for work (WFH)

Key Responsibilities

Facilitate all client inquiries.
Prospect new clients & close leads on all active platforms.
Collect payments from clients and handle refunds when necessary.
Client & accounts management (Update internal Excel tracker)
Experiment with marketing and new strategies to grow business (variable performance bonus apart from standard remuneration based on successful growth)

How to apply?

View the job post in full here and send your application to [email protected].

#2: Campari Group – Customer Service & Logistics Intern

Website: campari.com

Allowance / Remuneration: $1,000 – 1,300 monthly

Job Qualifications

Advanced Microsoft Office Skills (Excel & PowerPoint)
Proficiency in data analysis tools
Strong analytical skills
Proficient in English, and other Asia languages will be an added advantage
Good communication skills both written & verbal
Excellent organization skills and attention to detail
Team player who thrives in a self-directed, collaborative, and fast-paced environment

Key Responsibilities

Support in developing and managing SOP for the supply chain process
Manage monthly and weekly reporting processes for the Customer Service & Logistics team
Work with the local CS&L team to automate the reporting process and drive continuous improvement.
Assist in the analysis and optimization of customer service & logistics processes to enhance efficiency and reduce costs.
Coordinate and support other supply chain projects to drive efficiency.
Act as a backup for the Customer Service & Logistics team as required or during month-end closures
Participate in the monitoring of order fulfillment, shipment, and delivery processes to ensure on-time delivery to customers.
Other duties as assigned

How to apply?

View the job post in full here and send your application to [email protected].

#3: Kaliber Asia Pte Ltd – Digital Marketing Intern

Website: kaliber.asia

Allowance / Remuneration: $800 – 1,000 monthly

Job Qualifications

University student or recent graduate in Digital Marketing
Self-starter and independent worker who can also work well as a team member;
Excellent verbal and written communication skills;
Strong computer skills: proficiency in Google Docs spreadsheets and project management tools

Key Responsibilities

Ad Creation and Copywriting: You will assist the team with crafting engaging ad copy that resonates with the target audience and effectively communicates the message of the campaign
Target Audience Research: You will assist team members with researching target audiences and providing insights to adjust current strategies and improve campaign performance
Campaign Planning and Implementation: You will participate in the planning and execution of new performance-based campaigns
Ad-hoc Event Support: You will help out with events related to marketing efforts including some event coordination, creating promotional materials, engaging with attendees, and conducting post-event follow-up activities
Ad-hoc Duties & Team Support: You will assist colleagues whenever necessary, providing support and guidance to ensure the team’s success

How to apply?

View the job post in full here and write to Meira via this link.

#4: Mazars LLP – Human Resource Intern

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Website: mazars.sg

Allowance / Remuneration: $1,000 monthly

Job Qualifications

Currently pursuing Degree in Bachelor of Human Resource
Self-motivated and able to multitask in a fast-paced environment
Detail-oriented and meticulous
Good time management skills
Good communication and written communication skills

Key Responsibilities

Participate in recruitment efforts, including campus and internship recruitment.
Coordinate and schedule interviews with shortlisted candidates, including administering technical and personality tests.
Perform the first level of screening of candidates’ CVs to identify suitable candidates to fill job vacancies.
Post and housekeep job advertisements on job boards.
Assist in gathering market salary information and perform salary benchmarking exercises.
Prepare and send rejection emails to candidates.
Facilitate onboarding and orientation programs for new employees.
Updating of HR database by inputting new employee employment details.
Responding to staff inquiries regarding HR policies, employee benefits, and other HR-related matters.
Assist in the planning of HR activities and events, including drafting of internal announcement

How to apply?

View the job post in full here and apply via this link.

#5: Wunderman Thompson Singapore – Operations Intern

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A post shared by Wunderman Thompson (@wunthompson)

Website: wundermanthompson.com

Allowance / Remuneration: $400 – 1,500 monthly

Job Qualifications

High sense of responsibility and ownership of work.
Meticulous with high attention to detail, conscientious listener, logical and analytical thinking.
Excellent communication skills and fluency in English.
Well-organized team player who is structural, systematic, and able to multitask under pressure.
Resourceful and proactive who will take initiative to overcome roadblocks/ solve any obstacles.
Quick ability to adapt in a fast-paced, constant flux environment.
Willing and enjoy learning new things and picking up new skills quickly.
Familiarity with Microsoft applications (Word, PowerPoint, Excel, and Teams).

Key Responsibilities

Support the Operations team in day-to-day tasks, which will include but not limited to the following:
Assist in developing, tracking, and updating project status, and writing minutes of meeting post discussions to capture vital project information.
Assist in monitoring the delivery/ progress of the project according to the timeline.
Assist in traffic and workload management of resources in the agency.
Assist in vendor management and related tasks such as purchase order creation etc. and other finance-related matters within project management responsibility.
Assist in anticipating and resolving roadblocks by effectively communicating overall project status and ensuring deliverables are completed promptly within the team.
Attend weekly discussions related to the projects and proactively manage the team’s schedules for such meetings where needed.
Learn different project management and finance tools to support the delivery of high-quality projects.

How to apply?

View the job post in full here and write to Aaron via this link.

Note: We’ve selected these internships based on the “remote” tag, but some positions may still require face-to-face time. Please contact the employer directly for more deets.

3 accommodations under $133/night near the heart of Sydney, Australia

Have a trip planned to Sydney, Australia, and looking for a place to stay while you visit?

We’ve curated a list of options for you, all priced under $133/night. For the budget-conscious traveler, these accommodations offer great value.

Artistic, light-filled rental unit in Darlinghurst

Price: $102/night

First, we will start off the list with this light-filled rental unit flooding the senses with eclectic art and stunning views of the Sydney borough and beyond.

The living space exudes artistic flair with a piano, dining table, coffee table, and sofa bed—perfect for a lone traveler or couple seeking an inspirational hideaway. A separate kitchenette allows for light meal preparation while a coin laundry on the same level makes doing laundry a breeze.

The location cannot be beaten. Situated in one of Sydney’s most funky neighborhoods, you have an abundance of restaurants, cafes, bars, and shops right around your doorstep.

Warm & inviting two-story studio close to the Sydney Jewish Museum

Price: $110/night

This two-story studio in the heart of Sydney offers the ideal mix of convenience, comfort, and style. Situated above a vintage barbershop, this retreat provides quick access to the cafes, museums, and boutique shops lining Surry Hills and Darlinghurst.

Self-check-in with a keyless entry system means you can check in whenever and then chill in the living area on the ground floor opening onto a private balcony. The loft-style bedroom on the upper level features enough room to spread out, while the kitchenette has everything needed for simple meals.

With over 260 reviews praising the inviting space, warm hospitality, and central location just steps from the Sydney Jewish Museum, you know you’re in good hands.

Minimalist studio space a short walk to Paddington Reservoir Gardens

Price: $130/night

And as we come to a close, this stylish studio flat makes a great home base for solo travelers exploring Sydney.

Situated in a quiet building just steps from Paddington Reservoir Gardens, the rental space features a comfortable queen bed, a fully equipped kitchenette, and a private bathroom. Fresh linens, towels, and toiletries are provided for a worry-free stay.

Hop on the nearby bus to reach the city center or head to Bondi Beach in a jiffy. This ground-floor vacation rental offers everything you need for an awesome Aussie adventure.

When it comes to finding affordable accommodations near the heart of Sydney, these three options truly stand out (and that’s why we’ve picked them). Whether you prefer an artistic haven, an inviting two-story studio, or a minimalist oasis, there’s something for everyone. Book your stay now before you Come and Say G’day 🦘

Mamas-to-be should fight stretch marks with these 3 belly masks from $9

Mamas-to-be, we understand that battling stretch marks is a top priority for you as your tummy grows by the day.

If you’ve already tried various oils and creams, it’s time to take your belly skincare routine up a notch.

With these effective belly masks, priced from as low as $9, you can combat stretch marks like never before. Stay with us on this page for the deets!

Palmer’s Tummy Mask for Stretch Marks 33 ml

Price: $9

This wallet-friendly tummy mask harnesses the power of cocoa butter, shea butter, and argan oil to soothe, soften, and reduce the appearance of stretch marks on your expanding belly.

The 100% cotton substrate sheet mask helps deliver these powerful ingredients directly onto tight, itchy skin, relieving discomfort while you relax. Cocoa butter and shea butter provide all-day hydration and plump skin, forming a protective moisture barrier. Argan oil, packed with fatty acids, vitamins, and minerals, conditions skin and helps reduce the look of scars.

Free of artificial fragrances and dyes, this mask is formulated with care to nourish skin during your transformation into motherhood. Place it on your belly for just 10 minutes and reveal smoother, more comfortable skin that glows with the joy of your new life.

Munchkin Milkmakers Belly Mask 47 g

Price: $21.68

If you have the budget to spare, put on this maternity mask and say goodbye to rough bellies and hello to happy hormones. Formulated with only the best ingredients, this belly sheet mask pampers your precious bump while helping reduce the appearance of stretch marks.

In just 10 to 15 minutes, this 100% cotton mask infused with a gentle blend of ingredients works to soothe, hydrate, and nourish your skin, leaving it feeling supple and comforted. Simply place the oversized mask on your belly, spread it out, and pat it firmly. Then massage the remaining serum into your skin for an all-over dose of moisture once the time is up.

Even the fussiest bumps will love being lavished with this simple yet effective self-care this maternity must-have provides. So go on, treat yourself (and your belly) to an express at-home spa treat today!

Evereden Soothing Belly Mask 50 ml

Price: $24

Last but not least, we have this soothing belly mask expertly formulated to pamper expecting mums’ growing bellies.

The soaked biodegradable sheet mask contains a nourishing serum rich in sunflower seed oil, coconut oil, and collagen to deeply hydrate and smooth your stretched skin.

As your belly expands, this mask works to replenish lost moisture and promote a healthy-looking, radiant glow. The antioxidant-rich ingredients also help strengthen your skin’s barrier for increased elasticity, which can help minimize the appearance of stretch marks.

Let the concentrated serum infuse your skin with intense hydration, leaving it feeling soft, supple, and soothed. Perfect for use throughout your pregnancy and after, this mask is suitable for all skin types, even the most sensitive ones.

These belly masks are not only effective but also pretty affordable, starting from just $9. With these three belly masks in your skincare arsenal, you can take proactive steps to minimize the appearance of stretch marks. Incorporate them into your skincare routine at least once a week for best results.

Editor’s note: Individual results may vary, and if you’re worried, it’s wise to consult with your healthcare provider before trying new products during pregnancy.