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Motor Insurance in Singapore:

Independent Advice, Real Protection

Motor insurance is not just a legal requirement in Singapore — it's your financial safety net every time you get behind the wheel. Yet many drivers end up overpaying or under-protected because they buy motor insurance based on price alone, without understanding the fine print.

What is it

Motor Insurance

As an independent insurance broker in Singapore, we work for you — not the insurers. Our role is to help you find the best motor insurance based on your needs, risk profile, and budget, not what an insurer wants to sell.

Motor insurance protects you against financial loss arising from:

  • Accidents involving your vehicle
  • Injury or death to third parties
  • Damage to third-party property
  • Damage or loss of your own vehicle (depending on coverage)

Under Singapore law, at least Third-Party Motor Insurance is mandatory for all vehicles using public roads.

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Insurance Plans

Types of Motor Insurance in Singapore

Motor insurance planning tools
Comprehensive Motor Insurance
The highest level of protection.
Covers
Covers
  • Third-party liabilities
  • Damage to your own vehicle (even if you're at fault)
  • Fire and theft
  • Windscreen cover
Optional add-ons
  • Loss of use
  • Workshop choice
  • NCD Protector
Does Not Cover
Does Not Cover
  • Policy exclusions apply
Best for
Best for
  • New or high-value vehicles
  • Risk-averse drivers
  • Anyone who wants peace of mind
Third-Party, Fire & Theft (TPFT)
Includes all TPO coverage, plus:
Covers
Covers
  • Injury or death to third parties
  • Damage to third-party property
  • Fire damage
  • Theft of your vehicle
Does Not Cover
Does Not Cover
  • Damage to your own vehicle
Best for
Best for
  • Vehicles with moderate value
  • Drivers who want added protection without full comprehensive cost
Third-Party Only (TPO)
This is the minimum legal requirement.
Covers
Covers
  • Injury or death to third parties
  • Damage to third-party property
Does Not Cover
Does Not Cover
  • Damage to your own vehicle
  • Fire or theft
Best for
Best for
  • Older vehicles
  • Drivers seeking basic compliance at lower cost
Why it Matters

Why Choosing the Right Motor Insurance Matters

Not all motor policies are the same — even when premiums look similar

Feature
Premium A
Premium B
Workshops
Approved
Authorised
Claim Excess
Varies by policy
Varies by policy
Driver Restrictions
Named driver only
Unnamed / any driver
Payout
Market value
Agreed value
Claims Handling
Standard reputation
Strong / reliable reputation
Trusted Advocacy

Why Use an Insurance Broker instead of Buying Direct?

We represent you
We represent you
We compare policies across multiple insurers
We compare policies across multiple insurers
We explain exclusions and hidden limitations
We explain exclusions and hidden limitations
We negotiate terms where possible
We negotiate terms where possible
We support you during claims not just at renewal
We support you during claims not just at renewal

Our job is not to sell you the cheapest policy.
Our job is to help you get the right protection at the best value.

Approach

Our Client-First Approach to Motor Insurance

We start by understanding
  • Your vehicle type and usage
  • Your driving history
  • Your risk tolerance
  • Your budget expectations
Then we:
  • Shortlist suitable insurers
  • Compare coverage — not just price
  • Highlight key pros and cons
  • Recommend the best-fit solution, not a one-size-fits-all policy

If an insurer’s policy doesn’t serve your interests, we won’t recommend it — simple as that.

Claims Support

Claims Support That Actually Supports You

A motor insurance claim can be stressful. This is where a good broker makes a real difference.

We help with:

  • Claim documentation
  • Insurer communication
  • Dispute escalation where needed
  • Ensuring claims are handled fairly and promptly

We advocate for you — especially when claims become complex or contested.

Insurance claim support
FAQ
Frequently asked questions

Quick answers

A few common questions to reduce back-and-forth.

Yes. At minimum, Third-Party Motor Insurance is required by law.

It depends on the policy. Some restrict repairs to authorised workshops. We help you understand this before you buy.

Not always — but cheap policies often come with higher excess, limited workshops, or stricter claim conditions. We help you spot these trade-offs.

Yes — and many drivers should. We regularly review options to ensure you’re not overpaying or under-insured.

Get Independent Motor Insurance Advice in Singapore

Whether you’re buying a new car, renewing your policy, or unhappy with your current coverage, we’re here to help.

We don’t push insurers.
We don’t cut corners.
We advocate for our clients — always.
📞 Speak with our insurance specialists today for unbiased motor insurance advice in Singapore.