Comprehensive car insurance coverage in Singapore – from everyday vehicles to luxury rides, our plans include third-party protection, personal accident cover, roadside assistance, and more.
Covers legal liability for injury or damage to third parties.
Coverage for the driver and passengers in the event of an accident.
Customize your policy with options like zero depreciation, engine protection, and more.
Protection for your car against accidents, theft, and natural disasters.
Immediate help for breakdowns and emergencies.
Immediate support anytime, anywhere
Stay on the move with a free 2-litre car for up to 5 days
Get home in comfort if you can’t drive after an incident
Protection specifically crafted for luxury and high-performance cars
Designed to provide peace of mind and financial security.
Transfer your policy to IPG for free. We'll handle renewals and answer your questions. Just write us and we'll contact you by the next working day.
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A: In Singapore, individual drivers can choose from three main types of car insurance policies regulated under the Motor Vehicles (Third-Party Risks and Compensation) Act. These are:
Comprehensive Car Insurance
This is the most extensive type of coverage, typically required for new or high-value vehicles. It includes:
Third-Party, Fire and Theft (TPFT) Insurance
Offers moderate protection. It covers:
Third-Party Only (TPO) Insurance
This is the minimum legal requirement in Singapore. It covers:
All car insurance policies in Singapore must be underwritten by MAS-licensed general insurers, and coverage is mandatory to register or renew a vehicle with the Land Transport Authority (LTA).
A: Yes, car insurance is mandatory for all vehicles driven on public roads in Singapore. Under the Motor Vehicles (Third-Party Risks and Compensation) Act, every vehicle owner must have at least Third-Party Only (TPO) insurancebefore their vehicle can be registered or used.
This legal requirement ensures that:
To renew your road tax or register a car with the Land Transport Authority (LTA), a valid motor insurance policy must be in place and reflected in the LTA’s system.
Failure to comply may result in:
While TPO is the minimum required, most drivers in Singapore opt for Comprehensive insurance for broader protection.
A: Your car insurance premium in Singapore is calculated based on risk profiling, where insurers assess how likely you are to make a claim. Several key factors influence the price:
Driver Profile
No Claim Discount (NCD)
A reward system for claim-free years. The higher your NCD (up to 50% for private cars), the lower your premium.
Vehicle Details
Usage Type
Parking Location and Registration
Coverage Level and Add-Ons
Each insurer uses its own algorithm to weigh these factors, often aided by telematics data and historical claims analytics, to calculate a customised premium.
A: The No Claim Discount (NCD) is a reward system used by insurers in Singapore to encourage safe driving and reduce car insurance premiums. It offers a discount on your annual premium if you have not made any claims during your policy year.
Key Points:
For commercial vehicles, taxis, and motorcycles, NCD tiers and percentages may differ.
This system is a major driver of long-term savings for careful drivers, potentially reducing premiums by up to half.
A: In Singapore, your No Claim Discount (NCD) is attached to you as a policyholder, not the vehicle—so it can be transferred under certain conditions.
If you change insurers:
If you sell your car:
Additional Notes:
Maintaining your NCD, even when you’re between vehicles, can lead to significant long-term savings once you insure a new car again.
A: If you’re involved in a car accident in Singapore, it’s crucial to stay calm and follow the proper procedures to protect your legal and insurance rights.
Step-by-Step Guide:
1. Ensure Safety First
◦ Move to a safe location if possible.
◦ Check for injuries—call 995 for an ambulance if needed.
2. Call the Police (required when):
There are injuries or fatalities
◦ A government vehicle or foreign vehicle is involved
◦ The other party is uncooperative or driving under the influence
◦ Serious damage occurs to public property (e.g., lamp posts, railings)
3. Document the Scene
◦ Take clear photos of vehicle damage, licence plates, the road layout, and any skid marks.
◦ Record the date, time, and weather conditions.
4. Exchange Information
◦ Get the names, contact numbers, NRIC numbers, vehicle registration, and insurer details of all parties involved.
◦ Collect details from any eyewitnesses.
5. Report to Your Insurer
◦ Report the accident within 24 hours or by the next working day, even if you don’t intend to file a claim.
◦ Failure to report promptly may result in loss of your No Claim Discount (NCD) or policy rejection.
6. Visit an Authorized
Reporting Centre or Workshop
Most insurers in Singapore require accident reporting to be done in-person at a panel workshop or authorised reporting centre.
Bonus Tip:
Keep an accident reporting checklist and emergency contact numbers in your glovebox or saved on your phone. This helps avoid panic during stressful situations
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