Section 4

is issued by an insurer who at the time the policy is issued is lawfully carrying on motor insurance business in Singapore; and

insures the person, persons or classes of persons that may be specified in the policy in respect of any liability which may be incurred by him, her or them in respect of the death of or bodily injury to any person caused by or arising out of the use of the motor vehicle in Singapore and in any territory specified in the Schedule.

which was issued on or before 21 October 1998 by an insurer who at the time the policy was issued was lawfully carrying on motor insurance business in Singapore; and

which insures the person, persons or classes of persons that may be specified in the policy in respect of any liability which may be incurred by him, her or them in respect of the death of or bodily injury to any person caused by or arising out of the use of a motor vehicle in any territory specified in the Schedule,is deemed always to have been a policy of insurance —

issued for the purposes of this Act; and

under which third parties are conferred rights by sections 9, 11, 13 and 14.

liability in respect of the death, arising out of and in the course of his or her employment, of a person in the employment of a person insured by the policy or of bodily injury sustained by such a person arising out of and in the course of his or her employment; or

any contractual liability.

an insurer under or in consequence of a policy issued under this Act;

the owner of a motor vehicle in relation to the user of which a security under subsection (11) is in force; or

the owner of a motor vehicle who has made a deposit under section 3,in respect of the death of or bodily injury to any person arising out of the use of a motor vehicle on a road in Singapore or in any territory specified in the Schedule, and the person who has so died or been bodily injured has, to the knowledge of the insurer or the owner (as the case may be) received treatment at a hospital, whether as an in‑patient, or as an outpatient, in respect of the injury so arising, there must also be paid by the insurer or the owner to the hospital the expenses reasonably incurred by the hospital in affording that treatment, after deducting from those expenses any moneys actually received by the hospital in payment of a specific charge for that treatment.

in relation to a person who receives in-patient treatment at any hospital as an in-patient, an amount for each day the person is maintained in the hospital representing the average daily cost for each in-patient of the maintenance of the hospital and the staff of the hospital and the maintenance and treatment of the in-patients in the hospital; and

in relation to a person who receives treatment at a hospital as an outpatient, reasonable expenses actually incurred;

be given either by an insurer approved by the Minister or by some body of persons approved by the Minister which carries on the business of giving securities of a like kind; and

consist of an undertaking by the giver of the security to make good, subject to any conditions specified in the undertaking and up to the amount in the case of an undertaking relating to the use of public service vehicles of not less than $225,000 and in any other case of not less than $45,000, any failure by the owner of the vehicle or any other persons or classes of persons that may be specified in the security duly to discharge any such liability as is required to be covered by a policy of insurance under this section which may be incurred by him, her or them.