Gain a peace of mind when you are behind the wheels with our motor insurance solutions. We help you to provide Private Car insurance which offers customisable coverage plans at competitive rates.
Types of Car Insurance
A comprehensive Car Insurance will cover Roadside Assistance, Daily Transport Allowance, Rented Car Allowance and more. Do contact us to enquire.
Choice of Authorised Workshop
Repairs can be done at the various workshops.
Courtesy Car
You can enjoy a replacement vehicle when your vehicle is being repaired.
Free 24/7 Roadside Assistance
Provides free towing services if your car breaks down, as well as roadside assistance to fix minor problems like flat tires.
NCD Protector
Protect against NCD reduction in the event of 1st claim during policy year.
New for Old Replacement
Applicable to vehicle within 36 months old (from vehicle first registration)
Excess waiver for in-car camera
Enjoy lower payments and prevent frauds when you share your in-car camera footage with us.
To qualify for car insurance, you must meet the following criteria:
- Be 21 to 70 years old
- Be residing in Singapore
- Be the registered owner of the car to be insured
- Be medically fit to drive and fulfill all driving regulations
- Have driving experience of at least 1 year
- Have not been previously denied from insurance for any reason
- Have made no more than 2 claims in the past 3 years
- Your car has no modification that are non-compliances or not approved by the Land Transport Authority of Singapore (LTA). This applies to new and renewed policies taken out on and after 16 Dec 2014.
- The car to be insured must not be more than 15 years old.
There are three types of car insurances to choose from: Third Party Only insurance; Comprehensive Car insurance and Third Party, Fire and Theft insurance.
Third Party Only Insurance
Third Party Only (TPO) insurance is the cheapest option out of the three, however it also provides the least coverage - it will only cover damages caused to other people’s property, such as their automobiles, house property or street signboards. If you cause injuries or death to passengers and other parties, your insurance company will also cover that. However, the policy will not cover damages to your own car.
If you encounter an accident that causes damage to both your's and the other person's car, the insurance will pay for the damage of the other person's car, but it will not pay for damage done to your own car. You will have to bear the cost of repair of your own car.
People might opt for the TOP insurance option if they drive an old car that they are willing to scrap if the car is damaged. TPO insurance is the minimal coverage available for your vehicle. Take Note that not all insurance companies offers TPO insurance.
Third Party, Fire, and Theft
This policy is similar to the TPO policy. If you encouter an accident that causes damage to both your's and the other person's car,, the policy will cover damages to the other person's car only. However, this policy will further protect your car from damages on fire, vandalism or stolen.
CompreheTnsive Car Insurance
This option provides the most coverage out of the three options. In general, these policies will at least cover damage to your car from accidents - regardless of which parties is at fault - as well as protection to damage on fire, vandalism and theft. The policies will also protect you from damage that you cause to other person's property or injury caused to another. In a comprehensive insurance package, the coverage will be depending on the insurance company and the policy. Some insurance companies cover local riots and acts of God like earthquake, while some will not, or offer it as additional add-on and cost. Even for the same company, different policies can offer coverage for different aspects such as if your your personal items are insured.
If a bank loan is taken, it may be an complusory requirement from the bank that you must take on a comprehensive coverage to protect itself.
You can cancel your policy by writing in to notify us and returning the following documents to the insurer:
- Your original certificate of insurance.
- A photocopy of your sales agreement or de-registration letter from LTA, and
- A letter from you that states your intention of cancelling the policy. Please send your cancellation documents to your relevant insurer.
The cancellation will take effect from the date that we receive your original certificate of insurance and supporting documents or the date when your car was sold/de-registered, whichever comes first.
Your car insurance policy will cover Singapore and Malaysia, up to 80.5km of the border between West Malaysia and Thailand.
If the car accident happens within the insured geographical area of your policy, a police report is required from the country where it happened. When you return to Singapore, you are required to report the accident to any of the insurer-approved reporting centres with the police report you have made.
Dishonesty
If you get into an accident and fail to provide an accurate and truthful statement, the insurance company can refuse coverage if it's found that there was false information.
Lack of Cooperation
Refusing to cooperate with the insurance company or failing to provide relevant information during an investigation may result in a denied claim.
Driving Under the Influence
The policy will not cover any incidents resulting from driving under the influence of alcohol or drugs.
Fronting
Some drivers may attempt to lower premiums by insuring the car in the name of a safer driver with a better record. This practice, known as "fronting," is considered fraud. If the insurance company discovers this, any claims may be denied, and the policy could be canceled. Even minor inaccuracies in your driving details can void the policy, even without intentional fronting.
Illegal Activities
The policy does not cover any illegal activities, such as street racing. Claims related to these activities will be denied.
Modifications to Your Car
All car modifications must be approved by the Land Transport Authority (LTA). When purchasing car insurance, you must declare any modifications made to the car. Undeclared modifications may lead to claim rejections. Additionally, some companies factor in modifications when determining premiums, while others may not cover modified parts at all.
If you want to modify your car after purchasing a policy, check with your insurance provider to confirm if the modifications are acceptable under the policy.
Using Your Car for Commercial Purposes
Standard car insurance policies typically cover private usage only. If the car is used for commercial purposes, including earning income, the policy may be voided unless you have specific commercial coverage.
For cases where the car will be used commercially, a dedicated commercial insurance policy is required.
At the Scene of the Accident
• Check for casualties and injuries: If there are injured personnel, call for an ambulance at 995 immediately. Do not move the injured person while waiting as it could further complicate the injury.
• Call and report the accident to the police: Call 999 if the accident involves fatalities, injuries, damages to public property, or foreign vehicles.
• Gather evidence at the scene of accident: Take pictures related to the accident scene and its surrounding areas. The pictures should include a location landmark if possible, car skid marks, damage done to vehicles (license plate visible), and nearby debris. In-car camera footage should be saved, and note the date, time, weather, and road conditions.
• Do not shift any of the evidence and vehicles at the scene: Try not to move any vehicles involved in the accident. If movement is required, such as for traffic obstruction, ensure there are enough photographs or footage of the scene before moving to avoid affecting liability.
• Exchange important information with other parties: Whenever possible, exchange contact information with other parties, including pedestrians or witnesses. This should include: Full name, NRIC/FIN number, contact phone number, address, and insurer details.
After the Accident
• Report the accident to your insurance company: Inform your insurance company within 24 hours of the accident or by the next working day to avoid potential claim rejection or issues with your no-claim discount.
• Submit your claims: Check with your insurance company on procedures for reporting accidents and claims, including where to send your car for damage assessment and repair, as companies may have preferred choices. You will need to complete the Motor Accident Report form and check the condition of repairs afterward.
• To claim from the other party: Contact their insurance company and allow them to investigate and assess your car before sending it for repair. The other insurer will have up to two days from the point of contact to assess the damage and compensate you for the loss of vehicle use over the assessment period. Once they have assessed and verified the claim, you will need to endorse a claims discharge to confirm acceptance.
• If you need the third-party insurance details: If unable to retrieve details at the accident scene, you can obtain them from the Land Transport Authority's (LTA) website for a fee of $7.49 (including GST) per successful search.
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