Top 5 Tips for buying
Car Insurance
See below for more details

Easy online application from start to finish

Enter your details once to see multiple quotes from different insurers.

Great Deals

Get additional discounts and promotions (on top of insurer’s best discounts) when you buy or renew your car insurance from us.

Customizable Options

Flexible options available for you to customize your car insurance that suits your needs.

Transparent Pricing

All prices are what you see online. No hidden costs.

Quick Turnaround

Get your policy documents sent to your email within 24 hours.

Why Apply or Renew through InsureDIY?

Check out our online comparison to see the best Car Insurance policies.

For existing users with DIY$, you can get 25% more when you redeem a cashback voucher with your DIY$.

Our promotion is applicable to a wide range of insurers. So you do not have to change insurers just to enjoy our promotion. You can simply appoint InsureDIY as your servicing adviser and redeem your DIY$ for a cash rebate.

Applicable to AXA, NTUC Income, HLA, Liberty, Tokio Marine, MSIG and Sompo car insurance policies bought through InsureDIY.

**Step 1: Renew* your Car Insurance with us!**

Choose your existing insurer from the list below. Complete the transfer of adviser form to appoint InsureDIY as your renewing adviser and email it back to us at sg_service@insurediy.com.

It takes 2-3 working days for the insurer to send your new insurance policy details to us, so be sure to buy your policy early.

If you would like to compare against other insurers, simply click here to get more quotations!

* For renewal cases, rest assured that we will only proceed to transfer your case to InsureDIY if we can offer you the same renewal premium rate.

Step 2: Combine your discounts for upsized promotions!

car insurance promotion

Combine both promotions to maxmize your discounts!

Get a Straight Discount off your Premium: Once InsureDIY has been appointed as your renewing agent, you will automatically enjoy $30 off if your premium is below $700. For premiums above $700, you will get $50 off your premium.

Redeem your Cashback Voucher: Complete the transfer of adviser form to appoint InsureDIY as your renewing adviser and email it back to us at sg_service@insurediy.com. Then go to our reward page to redeem your cashback voucher. Redeem up to $200 cashback voucher for only DIY$160.

Referral programme

Car Insurance is also eligible for the Refer a Friend programme. Refer your friends and family to purchase or renew their Car Insurance through InsureDIY and get DIY$30 for each referral.

DIY$ can be exchanged for vouchers including InsureDIY vouchers, NTUC Fairprice and Cold Storage vouchers. Check out our rewards catalogue here.

How to refer:
Simply ask your friend to key in your referral code when they apply for Car Insurance here or to drop us an email with your referral code when appointing us as their servicing adviser.

* Only applicable if your friend has not bought any insurance policy through InsureDIY before. DIY$ will only be awarded after your friend's free-look period.

Which Car Insurance is most suitable for you?

NTUC Income, MSIG, AXA, Sompo, Liberty, HLA, Etiqa and more...

The top 5 to 6 products are shown side-by-side for easy comparison.

Key features are highlighted in our comparison tables for your convenience!

MSIG

Car Insurance

New vehicle's favourite - Check out MotorMax Plus's New for Old Replacement benefit for car (less than 12 months) that sustains a Total Loss/Constructive Total Loss in an accident. It also has the highest personal accident benefit of up to S$100,000.

NTUC Income

Car Insurance

If you are a NTUC member, earn NTUC link points when you buy Income's Car Insurance. The Plan is armed with Income's own Orange Force Accident Response Team providing the best 24/7 roadside assistance anywhere in Singapore.

Etiqa

Car Insurance

Conveniently located throughout the island, Etiqa's authorised workshops are carefully selected and reviewed to provide the best service experience. The Plan also includes free coverage for child seat (up to $300) and offers a Drive Less Save More Reward* (T&Cs apply).

Sompo

Car Insurance

Preferred rates for Japanese cars, free NCD protector and 5% offence-free discount for NCD 30% and above. Sompo also has the highest in loss of use benefits at S$100 per day, up to 10 days for their ExcelDrive Prestige and Gold Plans!

Liberty

Car Insurance

Ideal for basic coverage. Includes legal aid for defending third party bodily injuries claims.

Hong Leong Assurance

Car Insurance

Guaranteed that genuine manufacturers’ parts will be used for repairs at HL Assurance Approved Workshop and best of all, it comes with a full 9-month repair warranty! The Plan also provides freedom of choosing your preferred workshops.

Here are some common questions
about Car Insurance in Singapore

1. When do I have to go for a car inspection?

Cars that are 3 to 10 years old will need to be inspected once every two years and cars older than 10 years will have to inspected annually.

There are two car inspection companies in Singapore that you can go to: Vicom and STA.

Vicom has 7 inspection centres while STA has 2 inspection centres located in various parts of Singapore. The good news is that a few of the inspection centres close at 8pm, for example, Vicom's inspection centre at Sin Ming and Bukit Batok and STA's centres at Sin Ming and Boon Lay.

You will receive your inspection notice within 3 months before your road tax expires. Remember to come back to InsureDIY to buy your car insurance policy after that!

2. What is the difference between Comprehensive cover and Third Party only?

There are three main types of car insurance:
- Third Party
- Third Party, Fire and Theft
- Comprehensive

All cars in Singapore are required by law to be at least covered for Third Party Only Insurance. Third Party Insurance covers only your liability in respect of any property damage, bodily injury or death resulting from your motor accident. In simple terms – this means that the insurance will cover the damage sustained by the other driver(s) and other property like street lighting, fences etc. and not yourself. Any damage to your vehicle will need to be covered at your own expense.

Third Party, Fire and Theft Insurance additionally protects your vehicle against fire, and theft. For some insurers, you are able to attach optional benefits. Third Party, Fire and Theft Insurance can be considered if you are driving an older car that you may not want to cover with a Comprehensive plan.

A Comprehensive Car Insurance plan provides the most extensive cover. In addition to Third Party Liability, Fire and Theft, Comprehensive Insurance also provides cover on your own car's damage as well as medical costs arising from the accident.

3. What are some of the optional benefits for Car Insurance?

Some optional benefits include:

• Excess Waiver
• Waiver of Young Driver Excess
• No Claim Discount Protector
• Medical or Dental Expenses
• Personal Accident for Passengers
• Additional Cover for Overseas Driving

4. What is an NCD?

This is a discount given by insurance companies to reward careful drivers who have not made any claims previously.

The NCD applicable to your policy can range from as low as 0% (in the first policy year, and in the year after a claim is made) to as high as 50% if you have not claimed for 5 consecutive years or more.

Yes, that means you can expect to enjoy up to 50% discount on your car insurance if you have a proven track record of careful and safe driving!

NCD is transferrable across cars and across insurance companies. In other words, it is you who own the NCD status, not your vehicle. That’s why you can also transfer your NCD to another vehicle you own. However, it cannot be applied to two vehicles at the same time. On the contrary, if you do not have a car registered under your name for 12 months more, your NCD will “reset” back to 0% and you'll have to start all over again.

5. What is an NCD protector?

A NCD Protector is an add-on optional benefit under your car insurance policy. What the NCD protector benefit does is to allow you to make a claim under your policy without losing your NCD status. This preserves your 50% NCD status despite a claim, but could cost an extra 10% more in premiums.

Most insurers only offer the NCD Protector as an add-on benefit to private car drivers who are already enjoying an NCD of 50%.

6. What is a Certificate of Merit (COM)?

Certificate of Merit (COM) is a recognition from the Singapore Police Force that you have maintained a demerit-point-free driving record for 3 consecutive years.

For drivers with an NCD of 30% and above, some insurers may reward you with an additional “Offence Free” discount of 5% on top of your NCD upon confirmation of your Certificate of Merit.

7. Should I choose a policy that covers Panel Workshops?

Approved Panel / Authorised Workshops

Typically, there are two options: 1. Approved Panel/Authorised Workshops; or, 2. Any Workshop.

For the Approved Panel/Authorised Workshops option, the premiums are cheaper than compared to the Any Workshop option, but in the event of an accident, you have to go to the insurer's own Approved Panel/Authorised Workshops for any repairs.

This is because by working with a fixed panel of workshops, insurers can better understand the condition of your car and also control their claims by preventing over-inflation of the repair costs. Some of these authorized workshops can also provide a warranty period on the repairs carried out by the workshops to provide some assurance on the standard of repair work carried out. Do note that in the event of an accident and you do not use an authorized workshop, you will not be able to claim for the costs of repairs.

In the case of the Any Workshop option, you are able to send your car to any workshop of your choice in the event of an accident.

8. What if my car is still under warranty?

In the event that you are required to repair your car at a specific dealer or appointed agent of the manufacturer in order to preserve the validity of the warranty on your car, you may wish to purchase the “any workshop” option so that you can go to the repairer or dealership of your choice.

9. What is a loss of use benefit?

Loss of Use Benefit covers your transportation costs or the costs of renting a replacement vehicle over the period that your vehicle is being repaired or replaced after being damaged.

If your car is written off or stolen, a courtesy car will usually be provided by insurers for a few months before you get a new one. For a car that is new and damaged beyond repair, some insurers will even pay for a brand new car of the same make and model. The definition of ‘new’ can be a car less than 12 to 36 months old from the registration date, depending on insurer’s interpretation and policy terms.

10. Is there any difference if I register my car as an off-peak car?

By registering your car as off-peak, in addition to the $500 discount on the annual road tax and the rebate of up to $17,000 from the government, you can also save money on your car insurance premiums.

Off-peak cars enjoy higher discounts on their car insurance premiums as their vehicles are off the roads when traffic is at its most congested, hence lowering the risk of an accident. Some insurers even tailor-make low-mileage car insurance policy for off-peak drivers who clock fewer than 8,000km per year.

11. Can I insure more than 1 driver?

Do disclose information of other regular drivers to your insurer so that the insurer can accurately assess the risk and determine the appropriate premium and excess for you.

In the event of an accident, named drivers are able to enjoy the same level of benefits as the owner of the vehicle, hence it is common to include the names of your spouse or other family members under your car insurance policy.

Do note that additional discounts might also be given by certain insurers if cover is limited to drivers 30 years of age and older only. Many insurers perceive drivers under 30 or above 70 with a higher degree of risk, for which they have to pay more for car insurance. However, different insurers have different definitions on young and senior drivers, hence it is always best to compare before you purchase.

For young and inexperienced drivers, one good way of lowering your premiums would be to purchase your car insurance as joint drivers with your parents. This is because the insurers take into account the experience and age of your parents and this will help to reduce the overall risk profile.

InsureDIY is a Broker licensed by the Monetary Authority of Singapore and is an Exempt Financial Adviser. This advertisement has not been reviewed by the Monetary Authority of Singapore.

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