Insurance Packages
The three main types of car insurance in Singapore are Third-Party Only (TPO), Third-Party Fire and Theft (TPFT), and Comprehensive. TPO is the basic, legally required coverage for liability for third-party injury and property damage. TPFT adds coverage for your vehicle if it’s stolen or damaged by fire. Comprehensive is the most extensive type, covering all the benefits of TPFT plus accidental damage to your own car, often including personal accident benefits and medical expenses for passengers.
Fast Proccessing
You’ll receive dedicated support from our team, priority help with claims, and guidance every step of the way — ensuring your interests come first., before, during and after policy commencement.
Flexible Pricing on Car Insurance
With our expertise and tier 1 partnership with our insurer partners, we are able to provide you with a customized car insurance quote based on your driving habits, priorities and lifestyle, letting you pay for only what you need, and saving on benefits that you do not require.
Feature Based Quotations
Pay for what matters most to you and your family, save on unnecessary policy features
Clear Policy Wordings
It’s not just about what we say — the policy wording clearly reflects both your needs and the insurer’s offer, giving you confidence that you’ll be covered when it matters most. After all, the true value of insurance is proven during a claim.
In Singapore, car insurance premiums are determined by several factors, including your age, driving experience, and claims history, as well as the make, model, age, and value of your car. Insurers also consider how you use your vehicle — such as annual mileage, whether it’s for private or commercial purposes, and who is covered to drive it. Policy choices like the type of coverage, the level of excess you select, and any optional add-ons also affect the final cost. Altogether, these factors ensure your premium reflects both your driving profile and the protection you need.
You may be surprised that some insurers even take into account if your vehicle is parked in a secured location, let our experts work out the details for you and give you the best options available for yours and your family’s lifestyle.
Simply put, the premium depends on the features of the policy (e.g., add-ons, level of coverage, benefits included) rather than just the car or driver profile, cover what matters to you and save on what you probably would not use.
Third-Party Only (TPO)
Premium Range:
Lowest Premium
- This is the most basic level of insurance and the minimum legal requirement in Singapore.
- Bodily injury or death to other people.
- Damage to other people's property caused by your vehicle.
- It does not provide any coverage for damage to your own vehicle or any personal injury you might sustain.
- And many more.
Great choice for older cars with low market values and drivers with exceptional driving records.
Third-Party + Fire and Theft (TPFT)
Premium Range:
Mid Range
- This plan includes all the coverage of a TPO policy, plus additional protection for your own vehicle.
- Legal liability to third parties.
- Loss or damage to your vehicle due to fire.
- This is a good option for older cars where the cost of comprehensive insurance might not be justified, or for drivers who frequently travel to Malaysia due to relatively higher theft incidents in compared to Singapore locality.
- And many more.
Suitable for mid-value cars needing extra protection beyond basic liability and frequent travelers to West Malaysia.
Comprehensive
Premium Range:
Highest Protection
- This is the broadest and most extensive type of car insurance available. It covers everything included in TPFT, along with
- Accidental damage to your own vehicle, regardless of who is at fault.
- Often includes benefits like personal accident coverage, medical expenses for passengers, and windscreen damage.
- Courtesy vehicle or Loss of Use reimbursement.
- And many more.
Best for new or premium cars, it offers absolute peace of mind with full protection — often for just a little more than basic plans.
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Lets Trust Our Auto Insurance To Get Protection
Car insurance premiums are calculated based on a mix of driver, vehicle, and usage factors in Singapore, let our team of chartered financial professionals guide you through the complexities.
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All chosen for their transparent policies, responsive service, and hassle-free claims — giving our clients peace of mind.
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You’ll receive dedicated support from our team, priority help with claims, and guidance every step of the way — ensuring your interests come first.
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Be it quotation or incident claims, trust that our team will respond to you in a timely and prioritized manner.
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We provide current insights, impartial guidance, and professional service you can trust in the ever-changing Singapore car insurance rulings.