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Cancellation service #1 in Singapore
Cancellation Aig: Easy Method
What is Aig
Overview
AIG (American International Group) is a global insurer that provides a range of personal and commercial insurance products in Singapore, including auto, travel, and personal accident plans.
In Singapore AIG operates through AIG Asia Pacific Insurance Pte. Ltd., offering policy servicing, claims handling and customer support locally.
Core services
Common consumer products include car insurance, Travel Guard travel insurance (single-trip and annual multi-trip), and domestic helper plans.
Policy rules (including cancellation and refunds) follow the product terms and Singapore regulatory practice for general insurance.
How to cancel Aig
General steps
- Identify the product you want to cancel (e.g., Auto Insurance, Travel Guard Per-Trip, Travel Guard Annual).
- Prepare required documents as specified for that product (see Documentation checklist below).
- Notify AIG in writing using the method required for your product.
Product-specific methods
- Auto Insurance (Car): Notify AIG in writing via the online Singpass portal or by submitting supporting documents (for example LTA de‑registration or proof of sale) and return the original certificate of insurance.
- Travel Guard - Per-Trip (Singapore): Once the policy is issued there is no refund; cancellation for refund is not available.
- Travel Guard - Annual Multi-Trip (Singapore): Cancellation may attract a short‑rate refund if within the first nine months (and no claim has been made); no refund after nine months.
What happens when you cancel
Access and coverage
Coverage ends on the effective cancellation date defined by the policy terms or by AIG’s receipt of required documents.
For auto policies the effective date can be the date AIG receives the original certificate or the date of sale/de‑registration, whichever is earlier.
Renewal and records
Cancelled policies will not renew; you must arrange a replacement policy if you still need cover.
AIG retains policy records and may use them when processing refunds or claims related to the policy period.
Will I get a refund?
Auto Insurance (Car)
Refunds are available under the product terms: AIG applies a formula equivalent to refund of 80% of the premium, less a prorated amount for the period already covered (i.e., unused days).
Payouts are typically made via PayNow to the NRIC/FIN‑linked account and may take a number of weeks to process.
Travel Guard products
- Per-Trip (Singapore): No refund once the policy is issued.
- Annual Multi-Trip (Singapore): Short‑rate refund applies if cancelled within the first nine months and no claim has been made; no refund if cancelled after nine months.
Aig plans and pricing
How to read this table
The table below lists sample AIG Singapore plans and published prices (SGD) taken from public sources for 2025 - 2026.
Terms, limits and availability vary by plan; consult AIG for the most current quote.
| Plan | Price | Period | Features |
|---|---|---|---|
| Domestic Helper Insurance - Premier (14-month) | S$335.93 | 14-month | Security bond, worldwide personal accident, hospitalisation & surgical expenses, employer's contents, helper liability, termination expenses |
| Domestic Helper Insurance - Elite (14-month) | S$326.22 | 14-month | All Premier benefits with slightly lower cover amounts |
| Domestic Helper Insurance - Superior (14-month) | S$245.92 | 14-month | Basic suite of benefits with moderate coverage amounts |
| Domestic Helper Insurance - Classic (14-month) | S$213.69 | 14-month | Lowest tier coverage, limited benefits |
| Domestic Helper Insurance - Premier (26-month) | S$479.49 | 26-month | Same as 14-month Premier but longer term |
| Travel Guard® Direct - Basic | From S$39 | Single-trip | Basic travel coverage: overseas medical, trip cancellation, baggage loss |
| Travel Guard® Direct - Standard | From S$59 | Single-trip | Enhanced medical coverage, trip cancel, baggage loss |
| Travel Guard® Direct - Enhanced | From S$72 | Single-trip | Higher coverage limits for medical, cancellation, baggage |
| Travel Guard® Direct - Supreme | From S$107 | Single-trip | Maximum travel protection: highest limits on medical, cancellation, baggage |
| Personal Accident Plan - Students Studying Overseas | S$1.06/day | Daily | Personal accident, emergency medical evacuation, tuition, repatriation |
| Personal Accident Plan - Singles & Couples | S$0.47/day | Daily | Accidental death, permanent disability, medical costs, pet kennel reimbursements |
| Critical Illness Plan - Women | S$0.28/day | Daily | First-diagnosis critical illness (female cancers), wellness reimbursements |
| Personal Accident Plan - Domestic Helper | S$0.32/day | Daily | Worldwide accident cover, hospitalisation/surgery, recovery-helper costs |
Your consumer rights in Singapore
Cooling-off and statutory rights
There is no statutory 14‑day 'cooling‑off' or automatic free‑look period for general insurance in Singapore as there is for some life policies.
Therefore Travel Guard Per‑Trip policies state no refunds once issued, consistent with common practice for travel insurance products.
Refunds and disclosure
Refunds are subject to the policy terms. For example, auto insurance refunds follow the defined formula and conditions (including absence of claims).
Insurers must provide policy terms; consumers should ask to see terms before purchase and confirm refund/cancellation rules in writing.
Customer experiences
Positive feedback
Some customers report satisfactory claim outcomes and timely payouts on certain products, including extended warranty claims in other markets.
Positive experiences often reference clear communication during the claims process and prompt settlement.
Negative feedback
Other customers report delays, claim denials, difficult documentation requirements, or slow refund processing on some products.
These mixed experiences highlight the importance of keeping clear records and following AIG’s stated cancellation procedures.
Documentation checklist
For Auto Insurance cancellations
- Original certificate of insurance (must be returned to AIG).
- Supporting evidence: LTA de‑registration or proof of sale (bill of sale, transfer documents).
- Written cancellation request (submitted via Singpass portal or other accepted channel).
For Travel Guard cancellations
- Policy number and proof of purchase for identification.
- For annual policies seeking short‑rate refund: evidence that no claim has been made during the policy period.
- Any correspondence confirming policy issue date and payment record.
Common mistakes
Not returning the original certificate
For car insurance, failing to return the original certificate delays effective cancellation and refund processing.
Always include the original certificate with your cancellation submission when required.
Assuming a cooling-off period applies
Many consumers assume a 14‑day free‑look applies; for AIG travel Per‑Trip policies and other general insurance this is not the case.
Check the product T&Cs before purchase if you require a cancellable product.
Comparative recap
Quick comparison
| Product | Cancellation method | Refund policy | Notes |
|---|---|---|---|
| Auto Insurance (Car) | Written notice via Singpass or submitted docs; return original certificate | Refund: 80% of premium less prorated days (subject to terms) | Effective date = AIG receipt of original certificate or sale/de‑registration date, whichever earlier |
| Travel Guard - Per-Trip (Singapore) | Policy cannot be cancelled for refund once issued | No refund once issued | Confirm cover before purchase; no statutory free‑look for general insurance |
| Travel Guard - Annual Multi-Trip (Singapore) | Written cancellation; follow product terms | Short‑rate refund if cancelled within first 9 months and no claim; none after 9 months | Refund subject to short‑rate calculation and claim history |
After cancelling
What to expect next
After you submit cancellation and required documents, AIG will process the request and calculate any refund according to the policy terms.
Processing times vary; refunds (where applicable) may be paid to the NRIC/FIN‑linked PayNow account over several weeks.
Helpful links and follow-up
Refer to AIG’s official product FAQs for details and to confirm the current process:
Address
Customer Service Group
Customer Service Group, AIG Asia Pacific Insurance Pte. Ltd., AIG Building, 78 Shenton Way, #09‑16, Singapore 079120.
Contact tips
When mailing documents include a clear covering letter with policy number and contact details.
Keep copies of all submitted documents and any acknowledgement received from AIG for your records.
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Written by Nurul Yeo
Former postal advisor · 5 years experience
Former postal-services advisor and e-signature specialist, I have been writing for Postclic for 5 years to demystify legally binding mail for everyday users.