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Motor Insurance

In Singapore it is against the law to drive a motor vehicle on the road without a valid insurance policy. The minimum requirement is that the policy provides cover for personal injury to other parties.

Motor insurance makes good sense. Besides covering you for personal injury to third parties, it could also cover you for costs if you damage someone else’s property or for any other loss or damage you might suffer in a motor accident.

Types of coverage:

Third-party Only — covers death or bodily injuries to third-parties and/or passengers; and damage to third-party’s property.

Third-party, Fire & Theft — In addition to the cover granted by Third Party Only policy, this policy covers indemnity to the insured for loss of or damage to the insured’s vehicle due to fire and theft.

Comprehensive — In addition to the cover granted by Third Party, Fire & Theft policy, this policy covers the loss of or damage to the vehicle other than as a result of fire or theft. Other coverage includes medical expenses and personal accident benefits.

How does the insurer set my premium?

Most insurers in Singapore adopt a “risk factor rating system” when setting your premium. This means that the premium is based on factors other than the vehicle’s value or the price you paid for it.

In general, the following risk factors are considered when setting your premium:

  • right-chevron   Make and model of vehicle
  • right-chevron   Engine capacity
  • right-chevron   Age of vehicle
  • right-chevron   Age, sex and occupation of drivers
  • right-chevron   Driving experience of drivers
  • right-chevron   Claims history of drivers
  • right-chevron   What vehicle will be used for (private use/corporate use/commercial use/hire etc)
  • right-chevron   Type of cover

These risk factors will not necessarily have an equal influence on the size of your premium. Your insurer will give each risk factor a weighting based on a range of statistics and past claims information.

There are also other factors that may affect the cost of car insurance. These includes the excess amount and the inclusion of young, inexperienced &/or elderly driver as named drivers.

No Claims Discount
The “No Claims Discounts (NCD)” or “No Claims Bonus (NCB)” is an additive discount (up to 50% for private cars and 20% on commercial vehicle) that Singaporean drivers enjoy on their premium should they sustain a claims-free policy year. For foreigners, their existing “No Claims Discount” from the home country can be taken into consideration when making a purchase of motor insurance locally in Singapore. A proof of NCD from the insurance company back home is certainly helpful as it usually means saving a hefty sum of money


Motorcycle Insurance
Motorcycle Insurance, you will not only enjoy comprehensive and affordable coverage, but also convenience through our value added services, whenever you need it most.


Important Notes : This information is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.

To Know more, please contact us


Value Added Services

Door Step Service
All necessary documents provided at your convenience. When needed, you can either fax or email a scanned copy of necessary documents.

Competitive Insurance Quotes
Receive the best quotation prices from multiple insurers

Road Tax Renewal
Provide road tax renewal service along with your insurance renewal.

Installment Plan
Interest free installment plan of 6-12 months with selected credit card companies.

Vehicle Emergency Accident Response Team (24-hour)
24 HEART Standby to assist you in the event of an accidente.

Early Reminder
Register with us to enjoy free yearly reminders for insurance renewals.

Claims Support
To handle claims and protect your NCD (Accident Report, Repair & Claims Management).

Breakdown Support
Enjoy free car towing service!! (Within Singapore).

Fast Response

Revert with quote
within a day.