1-2 months in advance will be good, so that you have ample time to renew your Road Tax and get your car inspected, if required.

Don’t just check the price! You have to understand what is provided in the cover as well. To help you with this, we will carefully handpick 3 best policies for you. Each policy has their own unique features like the amount of excess, add additional named drivers at no extra cost etc. We will highlight the differences to you and help you make a decision.

There are 3 types of car insurance cover in Singapore:

Comprehensive car insurance is the recommended coverage for everyone, including new car owners. It covers repair or replacement of your vehicle if it is damaged or lost as a result of theft, accident, vandalism or weather-related damages. It also covers liabilities and claims from 3rd-parties for damages to property and people. Comprehensive coverage may differ slightly from one insurer to another, so be sure to check them out first.

Third-Party, Fire and Theft car insurance covers injury and damage caused by your vehicle to another party’s vehicle or property. It also covers accidental loss or damage by fire, vandalism and/or theft to your own vehicle. However, it does not cover repair or replacement of your own vehicle if it is damaged or lost as a result of an accident.

Third Party Only car insurance is recommended for older cars as it provides minimal coverage. It will only cover damages that you cause to other people’s property, such as their car, fences or streetlights. In addition, if you cause death or injuries to passengers and third parties, your insurance company will also cover that. However, this type of coverage does not cover any sort of damages to your own car in any form. All repairs to your car will have to be paid on your own.

NCD stands for No-Claim Discount. This is a discount offered by car insurers for car owners who have not made any claims within a year or more. The longer you go without making any claims, the higher the discount you'll get, up to a maximum of 50%. The NCD reduces the policy premium for the following year. This is to reward you for being a safe and careful driver.

All car insurance companies in Singapore use a guide called the Barometer of Liability Agreement (BOLA) to determine how much each party is liable in an accident. Under the BOLA, your NCD will not be affected if your liability is 20% or less in an accident involving an identified vehicle. In all other cases, your NCD may be affected.

Some car insurance companies allow you to buy protection against the loss of NCD by topping up a small amount of add-on premium. With this 'NCD Protector' add-on, You can make 1 claim during the year and still have your NCD fully protected.

Because of the highly competitive car insurance industry, insurance companies may have promotional rates or new features the next time you renew your insurance. Therefore, your current insurer might not be able to give you the best premium anymore. We can help you to save money or get better terms on your car insurance through comparing quotes at no cost. 

Serving the interest of our clients is always our 1st priority. Personalized support and relationships matter to us. We cut all the noises and give you the best we can find. If you have multiple vehicles to insure, let us know and we will be very happy to assist in every way we can.