The Best Car Insurance Guide in Singapore: Promotions, Comparisons Etc.
So you’ve done the math and figured that you can afford the monthly cost of a car comfortably!
Now comes the next cheem (Hokkien for complex) part: car insurance.
Why do you need car insurance? Because… it will be helpful when you ran into situations like how a Singapore car’s tyres and rims were stolen.

Buying a car insurance policy can be a lengthy, complex, and downright expensive undertaking!
Just looking at the 2019 Singapore Business Review, the average cost of car insurance is around $862.
To help make things slightly easier, we’ve created this ultimate guide so you can figure out which is the best car insurance for you.
TL;DR: Which Is the Best Car Insurance for Me?
First off, based on the insurers we mentioned below you should be prepared to fork out anything from $700 to $2,500. This is dependent on your age, No Claim Discount, and years of driving experience.
Good For | Insurer |
---|---|
Budget-Conscious | DirectAsia, Etiqa, NTUC |
Family-Oriented | Singlife with Aviva, FWD |
Young & Inexperienced Drivers | Singlife with Aviva, Etiqa |
Late 20s & Older | DirectAsia, FWD, HL Assurance |
Safe Drivers | FWD, MSIG, NTUC |
Highly Dependent On Car | AIG |
Peace Of Mind During Accidents | Singlife with Aviva, NTUC, Sompo |
Want to know more about car insurance?
We also have a car insurance review section where the Seedly community has shared what’s great (or not so great) about the various car insurances.
Click here to jump:
- AIG
- Singlife with Aviva
- Budget Direct
- Direct Asia
- Etiqa
- FWD
- Hong Leong Assurance
- Liberty Insurance
- MSIG MotorMax
- NTUC Income
- Sompo
Don’t see a particular insurer? Don’t worry! Just bookmark this article first. We’re constantly updating it as we go!
Car Insurance Comparisons in Singapore
This guide contains:
- A comparison of comprehensive car insurance plans only
- Optional benefits and add-ons are not included in the comparison
- However, special features which deserve a shoutout will be highlighted
- Terminologies:
- No-Claim Discount (NCD): NCD is rewarded to drivers who have not made any claims under their motor insurance premium for a year or more, consecutively
- Excess & Deductible: When you file a claim with your auto insurance provider, you must pay an excess. If you are at fault for causing the damage to your car, a specific amount also known as the deductible will be subtracted from the insurance proceeds you have requested.
Disclaimer: The Information provided by Seedly does not constitute an offer or solicitation to buy or sell any insurance product(s). It does not take into account the specific objectives or particular needs of any person. We strongly advise you to seek advice from a licensed insurance professional before purchasing any insurance products and/or services.
AIG Car Insurance
Here’s a look at AIG’s comprehensive car insurance plans.
AutoValue (Basic) | AutoPlan (Extensive) | AutoPlus (Comprehensive) |
|
---|---|---|---|
Workshop | AIG authorised workshops | Any | Cars ≤ 3 years old: Dealer or AIG authorised workshop for cars Cars > 3 years old: AIG authorised workshops |
Excess Waiver on Accident Repairs (For first claim at an AIG authorised workshop, depending on your No-Claim Discount (NCD)) | - | - | <50% NCD: $500 (half waiver) 50% NCD: $1,000 (full waiver) |
Replacement Car | - | Yes (cars up to 3 years old that are damaged beyond economical repair and cover the full purchase price of a new car (same make and model)) | Yes (cars up to 3 years old that are damaged beyond economical repair and cover the full purchase price of a new car (same make and model)) |
Windscreen replacement (Excess of S$100 applies) | Unlimited | Unlimited | Unlimited |
Cover for car key (Cost of replacing car lock and key if key is stolen; locksmith or towing costs if accidentally lock keys in car - $50 excess applies) | Up to $800 | Up to $800 | Up to $800 |
24-hour towing after an accident | Up to $500 per accident | Up to $300 per accident | Up to $500 per accident |
24-hour towing and roadside assistance | - | - | Free |
Damage to Third Party's Property | Unlimited | Unlimited | Unlimited |
Death or injury to Third Party | Up to $5 million | Up to $5 million | Up to $5 million |
Perks | - | - | Unlimited use of courtesy car roadside assistance (eg. tyre change) |
Best For | Older cars (no more warranty) Second hand cars Parallel imports | Cars up to 3 years old | Cars up to 3 years old |
AIG Car Insurance Highlights
- Free NCD Protector on your 50% No Claim Discount (NCD) when you renew, for AutoPlan and AutoPlus
- Unlimited use of AIG’s courtesy car for AutoPlus as long as your vehicle is still in the midst of being repaired
- Excess waiver of up to $1,000 for in-car-camera video footage during accidents to help with fraudulent claims
- Age condition policy where you can lower your premium by limiting coverage to drivers aged 30, 35, or 40 years and above.
Our Recommendations
- Not for the budget-conscious due to the many benefits packaged
- Go for the AutoPlan or AutoPlus to get the most out of your money
- Good if you have a new car (3 years old or newer)
- A great option if you are highly dependent on your car for daily use (eg. sending your kids to school) or livelihood (eg. insurance agents)
AIG Car Insurance Review
Singlife With Aviva Car Insurance
Singlife with Aviva offers three types of comprehensive car insurance plans.
Lite | Standard | Prestige | |
---|---|---|---|
Workshop | Authorised | Any, pay double excess for non-authorised | Any, pay double excess for non-authorised |
Excess Waiver on Accident Repairs | - | NCD remains intact if the accident was not caused by you | NCD remains intact if the accident was not caused by you |
Young & Inexperienced Driver Excess (< 24 years old or has held a valid driving license for less than 2 years) | $2,500 | $2,500 | - |
Windscreen Repair or Replacement Excess | $100 | $100 | - |
Replacement Car | Yes (only for cars up to 1 year old) Note: If the accident repairs cost more than 70% of the car's market value (provided it's a new car and the accident happened within the time specified). | Yes (only for cars up to 1 year old) Note: If the accident repairs cost more than 70% of the car's market value (provided it's a new car and the accident happened within the time specified). | Yes (only for cars up to 2 years old) Note: If the accident repairs cost more than 70% of the car's market value (provided it's a new car and the accident happened within the time specified). |
Coverage | |||
Medical Expenses (For driver and passengers) | $500 | $2,500 | $5,000 |
Towing services | Unlimited | Unlimited | Unlimited |
Damage to third party's property | Up to $5 million | Up to $5 million | Up to $5 million |
Personal belongings | - | Up to $1,000 | Up to $3,000 |
Perks | - | - | Car crash detector Auto eCall assistance Transport allowance of $80 per day (up to 10 days) |
Best For | Older cars (no more warranty) Second-hand cars Parallel imports | New premium cars Families with young drivers |
Singlife with Aviva Car Insurance Highlights
- Preferential rates for drivers with Singlife with Aviva MINDEF, MHA and Public Officers group insurance (including spouse, children, parents and siblings)
- One of the youngest limits for young & inexperienced drivers is excess (24 years old)
- Child seat coverage of up to $250 if the child seat in your car is damaged in an accident, fire or theft
Our Recommendations
- Opt for Lite if you’re a young & inexperienced driver
- Opt for Prestige if you:
- Just bought a new car
- Have kids who just got their driving license
- Have bad dreams that your kids will get into a freak accident and somehow manage to flip the car over
Singlife With Aviva Car Insurance Review
Budget Direct Car Insurance

A relatively new contender in the car insurance industry, Budget Direct specialises in car, motor and travel insurance.
The company offers one comprehensive plan:
Comprehensive | |
---|---|
Windscreen Replacement Excess | Cost of repair/replacement beyond Windscreen Excess |
Workshop | Authorised |
Replacement Car | - |
24/7 Auto Assistance Helpling Service | Yes |
Emergency Medical Evacuation & Repatriation of Policyholder For Accidents Outside of Singapore (West Malaysia and the part of Thailand within 80 kilometres of the border between Thailand and West Malaysia) | $50,000 |
Towing | Up to $200 in Singapore Up to $500 outside Singapore |
Loss or Damage to Car (Fire / Theft / Fallen Trees / Floor / Storms Or Any Natural Disasters / Vandals) | Up to the market value of your car |
Personal Accident Benefits | $20,000 (Policyholder) $10,000 each (Authorised driver and/or passenger) |
Medical Expenses | $1,000 (Policyholder) Up to $1,000 each (Authorised driver and/or passenger) |
Damage to Third Party's Property | $5 million |
Death or injury to Third Party | Unlimited |
Daily Transport Allowance | - |
Legal costs If Sued For Damage | $3,000 |
Best For | Seasoned Drivers |
Budget Direct Car Insurance Highlights
- Good for budget-conscious seasoned drivers
- If found that their quote is higher than other insurers, Budget Direct would pay you $100 (terms & conditions applied).
Our Recommendations
- Although less robust compared to other insurers, the plan is value-for-money for seasoned and older drivers.
DirectAsia Car Insurance
DirectAsia has two insurance plans that fit almost any driver, requirement, and age. Here’re the core plans you can start with:
Comprehensive | SOS | |
---|---|---|
Workshop | Any | Authorised |
Windscreen/Window Breakage | Replacement or repair costs | Replacement or repair costs |
Loss or Damage to Car - All Accidents | Up to the market value of your car | Up to the market value of your car |
24-hour breakdown assistance | Yes | - |
Loss or Damage to Car (Fire / Theft / Natural Disaster/ Act of God | Up to the market value of your car | Up to the market value of your car |
Loss of Use | $50 per day (max 10 days) | - |
Towing After Accident | Up to $200 | Up to $200 |
Daily Transport Allowance | $50 per day (up to 10 days per accident) | |
Third Party Bodily Injury | Unlimited | Unlimited |
Damage to Third Party's Property | Up to $5 million | Up to $5 million |
Deductible of Own Damage | - | Minimum $1,500 |
Perks | - | A second chance for comprehensive coverage despite your history of accidents |
Best For | Seasoned drivers with at least 2 years driving experience & none of the drivers has had their license suspended or cancelled in the last 5 years | Drivers who can't get insured elsewhere |
DirectAsia Car Insurance Highlights
- All plans come with a Lifetime Repair Guarantee at DirectAsia authorised workshops
- SOS car insurance (a DirectAsia-only offer) if within the last 3 years, you or any of your drivers had 2 or more at-fault accidents OR had your/their insurance refused or terminated
- If you’ve held 50% NCD for the last 5 consecutive years, you qualify for the DirectAsia exclusive NCD60 and get an extra 10% discount off your base premium
Our Recommendations
- Cheaper premiums as you’ll only be opting in for the features you want
- The NCD60 discount is a no-brainer for safe drivers, it’s also an immediate benefit unlike ‘for life’ NCD schemes where you will only see the benefit in the unfortunate event that you have to make a claim.
DirectAsia Car Insurance Review
Etiqa Private Car Insurance
Etiqa keeps it simple with just one plan.
Comprehensive | |
---|---|
Workshop | Authorised |
Windscreen Cover Excess | $100 |
Unnamed Driver Excess | $500 |
Young, Elderly or Inexperienced Driver Excess (<24 years old, >75 years old, or license <2 years old) | $2,000 |
Coverage | |
Replacement Car | - |
Accidental Loss or Damage to Accessories and Spare Parts due to fire, theft, other insured causes | Yes |
Towing to repairers or places of safety following accident | Up to $200 |
Personal Accident Benefits | Up to $50,000 |
Medical Expenses | Up to $1,000 |
Daily Transport Allowance (up to 5 days) | $50 per day |
Damage to Third Party's Property | Yes |
Death or injury to Third Party | Yes |
Legal costs If Sued For Damage | Up to $2,000 |
Perks | Free coverage for child seats (up to $300) |
Best For | Older cars Second hand cars Parallel imports Seasoned drivers who know what to do during a traffic accident |
Etiqa Private Car Insurance Highlights
- Relatively high personal accident cover ($50,000) for a no-frills plan
- Offers optional Sun/Moon Roof Cover (up to $2,000) which allows you to claim for repairs and NOT affect your NCD
- Offers optional damage coverage of up to $1,000 for solar film
- In the event of total loss of a car, you can receive up to $80,000 for the difference between
- One of the youngest limit for young & inexperienced drivers excess (24 years old), but relatively high excess charged ($2,000)
- Free “Drive Less Save More” add-on to help drivers get monthly rebate from driving lesser.
Our Recommendations
- Ideal for the budget-conscious, as they always have frequent Etiqa car insurance promos
- Etiqa’s coverage might seem a little scant especially if you’ve bought a new car, or if you expect a higher level of service
- Great for seasoned drivers who know how to handle a traffic accident on their own
Etiqa Private Car Insurance Review
Etiqa Private Care Insurance Promo
If you decide that this insurance is for you, you might want to check out our sister company SingSaver’s promotion.
Sign up for this Etiqa Car Insurance via SingSaver to receive up to $330 Cashback plus $20 Bonus Cash from SingSaver. Note that this promotion ends on 31 December 2022 at 11:59PM.
That’s not all.
Plus, apply for this product and score 2X entries in SingSaver’s Score Big Grand Lucky Draw, where you stand to win your share of over $30,000 worth of exciting prizes! (valid till 18 December 2022. T&Cs apply).
FWD Car Insurance
FWD has 3 comprehensive car insurance plans to choose from.
Classic | Executive | Prestige | |
---|---|---|---|
Workshop | Authorised | Authorised | Authorised |
Windscreen Repair and Replacement Excess | Yes ($100 per replacement) | Yes ($100 per replacement) | Yes ($100 per replacement) |
Young Driver Excess (<27 years old) | $2,500 | $2,500 | $2,500 |
Replacement Car | Yes (cars up to 1 year old) | Yes (cars up to 1 year old) | Yes (cars up to 1 year old) |
24-hour Roadside Assistance | Yes | Yes | Yes |
Replacement of Lost or Damaged Keys | - | $500 | $1,000 |
Damage to Personal Belongings | - | $1,000 | $2,000 |
Damaged Car Accessories | $500 | $1,000 | $2,000 |
Towing Costs | $300 | $400 | $500 |
Taxi Reimbursement After Accident | $40 per occupant | $60 per occupant | $80 per occupant |
Daily Transport Allowance | $40 for up to 6 days | $60 for up to 8 days | $80 for up to 10 days |
Medical Expenses (per occupant) | $1,000 | $3,000 | $5,000 |
Damage to Third Party's Property | $5 million | $5 million | $5 million |
Death or injury to Third Party | |||
Legal costs If Sued For Damage | $3,000 | $3,000 | $3,000 |
Perks | - | Use of courtesy car for 3 months | Use of courtesy car for 3 months |
Best For | Older cars (no more warranty) Second hand cars Parallel imports | Families | Families with young children |
FWD Car Insurance Highlights
- Automatic eligibility for Lifetime NCD Guarantee as long as you achieve 50% NCD and continue to renew with FWD
- Repairs at FWD authorised workshops have an extended workmanship guarantee until your car turns 10
- Covers while driving in West Malaysia and some areas in Thailand
- Receive a courtesy car when your car is in the workshop or for up to three months if your car is written off or stolen (only for Executive & Prestige plans)
- One-time payment for children if both parents die or are permanently disabled in a car accident
- Classic: $250,000
- Executive: $375,000
- Prestige: $500,000
Our Recommendations
- The FWD Classic is good value for drivers older than 27 years old as premiums drop about 20%, and can avoid the $2,500 Young Driver Excess as well
- FWD plans, in general, are great for families due to their focus on personal accident coverage
FWD Car Insurance Review
Hong Leong Car Protect360 Car Insurance
Car Protect360 | |
---|---|
Waiver of Excess | Own damage excess halved for repairs at HL authorised workshops |
Windscreen Repair or Replacement Excess | Unlimited, $100 unless windscreen is repaired at HL Assurance Appointed Windscreen Repairer |
Workshop | Any |
Car Accessories coverage | Up to $1,000 |
24-hour Roadside Assistance | Yes |
Loss or Damage to Car (Fire / Theft) | Up to market value at time of loss or damage |
Towing After Accident | Up to $500 |
Authority to Repair | $5300 |
Personal Accident Benefits | Policyholder: Up to $20,000 Authorised Driver: Up to $10,000 Passengers: Up to $10,000 |
Medical Expenses (up to car's legal seating capacity) | Up to $1,000 each |
Daily Transport Allowance (up to 10 days if repairs exceed 3 days) | $50 a day, up to a total of $1,000 |
Damage to Third Party's Property | Up to $5 million |
Death or injury to Third Party | Unlimited |
Perks | Complimentary car works including free car servicing or grooming with purchase of a new car policy |
Best For | New premium cars Seasoned drivers >27 years old |
Hong Leong Car Protect360 Car Insurance Highlights
- Freedom to choose your own workshop but if you choose to visit an HL Assurance authorised workshop, you get the assurance that genuine manufacturers’ parts are used and it comes with a 9-month repair warranty
- Own Damage Excess is halved when you choose to repair your vehicle at any of the HL Assurance-approved workshops
- Provides free car servicing/grooming with purchase of any new car insurance policy
Our Recommendations
- Best for seasoned and safe drivers who have a few years of driving experience and a high NCD as the excess of $3,000 for young & inexperienced driver is high
- A high NCD will help offset the premiums which are on the slightly higher side
- Not much flexibility in customisation of NCD protector; it is also an optional benefit and applies only to policyholders of 50% NCD
Hong Leong Car Protect360 Car Insurance Review
Liberty Insurance Private Car Insurance
Liberty Insurance keeps it simple by offering just one comprehensive car insurance.
Comprehensive | |
---|---|
Waiver of Excess | Yes |
Car Accessories coverage | Yes |
Towing After Accident | Up to $300 |
24-hour Roadside Assistance | Yes |
Loss or Damage to Car (Fire / Theft) | Yes |
Personal Accident Benefits | Up to $50,000 |
Medical Expenses For Driver & Other Passengers | Up to $1,000 per person |
Daily Transport Allowance | $50 a day, up to a total of $1,000 |
Damage to Third Party's Property | Yes |
Death or injury to Third Party | Yes |
Legal costs If Sued For Damage | Yes |
Legal Aid For Defending Third-Party Bodily Injury Claims | Up to $3,000 |
Perks | Loss of use benefit for up to 5 days (rental car 1.6L) |
Best For | New premium cars Seasoned drivers >27 years old |
Liberty Insurance Private Car Insurance Highlights
- Loss of use benefit (Rental car up to 5 days 1.6L) for up to 5 days in the event of accident repairs
Our Recommendations
- Great for seasoned drivers looking for basic coverage
MSIG MotorMax Car Insurance
MSIG offers 2 auto insurance plans: MotorMax and MotoMax Plus.
MotorMax | MotorMax Plus | |
---|---|---|
Windscreen Replacement Excess (Excess is waived when repaired) | $100 excess per claim for replacement | $100 excess per claim for replacement |
Young & Inexperienced Driver Excess (<27 years old or license <2 years old) | $3,000 | $3,000 |
Workshop | Authorised | Any |
Replacement Car | - | Yes (cars up to 1 year old) |
24/7 Auto Assistance Helpling Service | Yes | Yes |
Emergency Medical Evacuation & Repatriation of Policyholder For Accidents Outside of Singapore (West Malaysia and the part of Thailand within 80 kilometres of the border between Thailand and West Malaysia) | $50,000 | $50,000 |
Loss or Damage to Car (Fire / Theft) | Up to the market value of your car | Up to the market value of your car |
Loan Protection Benefits | - | Up to $100,000 |
Personal Accident Benefits | $20,000 (Policyholder) $10,000 each (Authorised driver and/or passenger) | $100,000 (Policyholder) $50,000 each (Authorised driver and/or passenger) |
Medical Expenses | $1,000 (Policyholder) Up to $1,000 each (Authorised driver and/or passenger) | $1,000 (Policyholder) Up to $1,000 each (Authorised driver and/or passenger) |
Damage to Third Party's Property | $5 million | $5 million |
Death or injury to Third Party | Unlimited | Unlimited |
Daily Transport Allowance | - | $50 per day (up to 10 days) |
Best For | Older cars (no more warranty) Second hand cars Parallel imports | New cars under warranty |
MSIG MotorMax Car Insurance Highlights
- MotorMax Plus offers a Loan Protection Benefit that pays your outstanding car loan (up to $100,000) in event of accidental death
- NCD Protector is an optional benefit and is available only to holders of 30% NCD or higher at an additional premium
Our Recommendations
- Highly beneficial for safe drivers
MSIG MotorMax Car Insurance Review
MSIG Promotion
If you decide that this insurance is for you, you might want to check out our sister company SingSaver’s promotion.
Sign up for the MSIG MotorMax Car Insurance via SingSaver to receive up to $70 Cashback plus $20 Bonus Cash from SingSaver. Note that this promotion ends on 31 December 2022 at 11:59PM.
NTUC Income Drivo Car Insurance
NTUC Income has three comprehensive plans to choose from, one of which is specifically for Porsche owners.
Drivo Classic | Drivo Premium | Drivo Prestige | |
---|---|---|---|
Policy Excess | $600 or otherwise specified applies for each and every accident claim | Within Singapore: $5,000 Outside Singapore: $8,000 |
|
Unnamed Driver Excess | $500 for unnamed driver ≥ 27 years old and have ≥ 1 year driving experience $2,500 for unnamed driver < 27 years old and have < 1 year driving experience |
||
Windscreen Excess | $100 or otherwise specified applies for each and every claim | $1,000 | |
Windscreen Cover | Unlimited | ||
Workshop | Authorised | Any | Any |
Loss or Damage to Car (Fire / Theft) | Yes | Yes | Yes |
Towing Service | Up to $500 | ||
Personal Accident Benefits | Up to $50,000 | $100,000 per individual and only one type of damage can be claimed | |
Medical Expenses | Up to $1,000 | ||
Daily Transport Allowance (up to 7 days) | $50 per day | $50 per day | $50 per day |
Damage to Third Party's Property | Up to $5 million | ||
Roadside Assistance and Wellness Cover | Up to $200 for non-accidental roadside assistance Up to $1,000 (per insured year) for cosmetic reconstructive surgery or pregnancy related check-up for the policyholder Up to $10,000 additional personal accident coverage for policyholder who is pregnant |
||
Death or injury to Third Party | Unlimited | ||
Perks | If 50% NCD with NTUC Income for two consecutive years, will enjoy free NCD during policy renewal. | ||
Best For | Older cars (no more warranty) Second hand cars Parallel imports | New cars under warranty | If you drive a Porsche Panamera, Cayenne, Cayman, Boxster, 911 |
NTUC Income Drivo Car Insurance Highlights
- Orange Force: a first-aid trained Orange Force rider will arrive within 20 minutes to provide advice, take photos, record your statement, ensure your safety, assist in removing your vehicle (if necessary), arrange for alternative transportation or medical attention.
- Enjoy up to 35% discount if you clock less than 9,000km a year under the NTUC FlexiMileage scheme
- Get up to 25% discount on your Drivo premiums by participating in the NTUC Drive Master program
Our Recommendations
- Opt for Drivo Classic if you have an older car and don’t mind going to NTUC Income authorised workshops
- Choose Drivo Premium if you have a new car under warranty and don’t see your dealer’s workshop in the list of authorised workshops
- Highly beneficial for safe drivers or drivers who aren’t heavy road users. Note: You can only pick either the FlexiMileage or Drive Master scheme. Any discount gotten can be stacked on existing NCD or NTUC loyalty discounts.
- A great choice if you don’t mind paying a bit more for peace of mind during traffic accidents or situations
NTUC Income Drivo Car Insurance Review
Sompo Private Car Insurance
A Japanese insurer that offers comprehensive car insurance plans with attractive features.
ExcelDrive Focus | ExcelDrive Gold | ExcelDrive Prestige | |
---|---|---|---|
Waiver of Excess Note: Only for one accident repair at an authorised workshop, not applicable to young and/or inexperienced drivers | Not applicable | 0 to 40% NCD: Waive 50% of Excess or maximum $1,000 (0 to 40% NCD) 50% NCD: Waive 100% |
|
Unnamed Driver Excess | Named Young and/or Inexperienced Drivers: $1,500 Unnamed Young and/or Inexperienced Drivers:$3,000 Unnamed All Other Drivers: $500 |
||
Windscreen Excess | $100 or otherwise specified for each and every applicable claim | ||
Coverage | |||
Workshop | Authorised | Authorised | Any |
Windscreen Cover | Unlimited, but with applicable excess | ||
Loss or Damage to Car (Fire and/or Theft) | Yes | ||
Damages as a result of riot, strike, civil commotion, flood and windstorm | Covered | ||
24-hour Emergency Mobile Accident Response Service (MARS) | Yes | ||
Damage to Third Party's Property | Up to $5 million | ||
Death or injury to Third Party | Unlimited |
Sompo Private Car Insurance Highlights
- 24-hour Emergency Mobile Accident Response Service (MARS): an officer will arrive within 20 minutes to provide advice, take photos, complete accident statements, and perform E-filing of claims.
- They’ll even recommend the nearest authorised workshop and arrange for towing.
- Free NCD Protector if your NCD is 30% and above – not applicable for ExcelDrive Focus
- 5% Offence Free Discount (OFD) will be granted automatically if NCD is 30% and above
- Relatively high transport allowance at $100 for 10 days as compared to a more typical $50 for 5 days – not applicable for ExcelDrive Focus
- A full excess waiver on the first claim only if done at an authorised workshop – only 50% and capped at $600 for ExcelDrive Focus
- Free cover for damages as a result of riot, strike, civil commotion, flood and windstorm
- Loss of use benefits of $100 per day up to 10 days
Our Recommendations
- Not really for the price-conscious
- If you’re going for the ExcelDrive Focus, consider upping your budget for the ExcelDrive Gold to take advantage of the abovementioned highlights
- A great choice if you don’t mind paying a bit more for peace of mind during traffic accidents or situations
Sompo Private Car Insurance Review
Cheapest Car Insurance in Singapore

Not to fret, if cost is what you’re particular about, then the cheapest options would be Budget Direct, Direct Asia, Singlife with Singlife with Aviva and NTUC Income.
But, you should not only look at the cheapest premiums especially if you’re a young driver.
What To Look Out For When Buying Car Insurance?
Insurance firms typically charge younger drivers the highest prices, while elderly drivers typically receive significantly lower rates.
Drivers should be aware that in addition to paying premiums, they may also be required to pay an additional Young and/or Inexperienced Driver Excess (usually between $2,000 and $3,000) based on the insurance plans above.
This is on top of the standard excess that you are required to pay each time they submit a claim.
Before committing to a plan, pay attention to the items you need to fork out before you receive any benefits from the insurer.
If the plan has a significantly low Young and/or Inexperienced Driver Excess, or if you can avoid paying it at all, it can be worth paying a somewhat higher premium.
What are your thoughts and experience in purchasing car insurance in Singapore?
Share them with us in the community!
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