if you get involved in an accident while intoxicated (alchohol, drugs, sex), NTUC will not give you a single cent to pay for the damages to your vehicle even if you are on comprehensive (1st party).
if you knocked into others (bikes, cars, living things, un-dead things, lamp posts), NTUC will pay all repairs charges, medical fees and compensation fees, and then, they will claim back every single cent from you.
from now on. don't drink and drive/ride. don't take drugs and drive/ride. don't have sex while driving/riding (if you can do so, please teach me how)
there have also been some changes in regards to other claims. i find out more 1st then say.
This clause has been around since the begginning of motor insurance..............
Nothing new