9 Best Car Insurance Providers in Singapore (2026)
Nine general insurers selling private car insurance in Singapore, with the plans and cover types each describes. Check current terms with each insurer.
- Edited by
- Amir Wahab
- Published
- Reading time
- 7 min read
AI image by LocalRankPrivate car insurance in Singapore is sold by a number of general insurers, each with its own plan names, cover types, repair options and add-ons. This directory lists nine insurers that describe a private car product on their own websites, with notes on how each presents its plans and how it describes its regulatory protection. The order is alphabetical, not a ranking, and nothing here is advice on which cover to choose. Details change, so treat every description as a summary drawn from the insurer's own pages and confirm current plan terms, exclusions, eligibility and quotes directly with the insurer or a licensed adviser before you decide.
1. AIG Asia Pacific Insurance
AIG Asia Pacific Insurance Pte. Ltd. offers private car cover in Singapore under two product names on its own site: AIG Car Insurance Complete and AIG Car Insurance Collision-Only. The page describes Complete as the broader plan, listing damage to your own car, fire, theft, Acts of God, civil commotion and windscreen protection, while Collision-Only is described as focused on accidental collision with another vehicle. Both plans are said to include third-party bodily injury and property damage liability. Optional extras include no-claim-discount protection and cash compensation for loss of use. The site also refers to a network of authorised workshops and states the policy is protected under the Policy Owners' Protection Scheme administered by SDIC. Read the policy wording before relying on it.
2. Allianz Insurance Singapore
Allianz Insurance Singapore Pte. Ltd. sells a private car product called Allianz Motor Protect. Its product page describes comprehensive, third-party fire and theft, and third-party only cover types, with optional add-ons such as no-claim-discount protection and personal accident cover. Terms, add-ons and available features vary by plan, so check the policy wording and exclusions before you buy. According to the page, the policy is underwritten by Allianz Insurance Singapore and protected under the Policy Owners' Protection Scheme run by SDIC, and the page carries a note that the advertisement has not been reviewed by MAS. The site says buyers need valid Singapore identification and a driving licence. Confirm the current plan options and conditions directly with Allianz.
3. DirectAsia Insurance
DirectAsia Insurance is the trading name of Auto & General Insurance (Singapore) Pte. Limited, a direct insurer selling car cover online and by phone. Its car insurance page describes three cover types: third-party only, third-party fire and theft, and comprehensive. It also describes driver-based plan structures, from plans naming a few additional drivers to a flexible plan for unlimited drivers, along with a low-mileage option. The site mentions optional benefits, a workshop network, and cover for electric vehicles, and says its policies are protected under the Policy Owners' Protection Scheme administered by SDIC. DirectAsia provides an online quote tool and a telephone line for enquiries. Compare the plan definitions, who may drive, and the exclusions carefully before choosing any structure.
4. Etiqa Insurance
Etiqa Insurance Pte. Ltd. lists Private Car Insurance among its personal motor products in Singapore, alongside an ePROTECT motorcycle plan, with a brochure and policy wording available for download on its motor page. The insurer says customers can buy and manage policies through its website and the Etiqa+ SG app, and it has a dedicated motor claims page on its site. Its motor page also publishes notices about changes to policy terms, which shows why reading current wording matters. Etiqa's site carries a Policy Owners' Protection Scheme page explaining that MAS-registered insurers are scheme members. Details of plan tiers, cover types and add-ons are in the downloadable documents, so check those rather than relying on a summary.
5. Great Eastern General Insurance
Great Eastern General Insurance Limited underwrites Drive and Save Plus, its private car product, and describes itself on the page as a wholly-owned subsidiary of Great Eastern Holdings and a member of the OCBC Group. The page sets out two comprehensive variants: one allowing repairs at any workshop and one using Great Eastern General's authorised workshops. Listed cover includes accident damage, fire and theft, third-party liability, medical expenses, personal accident benefits, towing, and windscreen cover, with roadside assistance described for Singapore and selected nearby countries. The page frames the plan around safe drivers and says the policy is protected under the Policy Owners' Protection Scheme administered by SDIC. Because benefits and conditions are plan-specific, read the product brochure and policy wording on the insurer's site.
6. HL Assurance
HL Assurance Pte. Ltd. lists car insurance under its personal insurance range, with a product named Car Protect360. Its product page describes comprehensive-style cover including loss or damage to the vehicle, third-party liability, medical expenses, personal accident protection, a daily transport allowance when repairs run long, round-the-clock roadside assistance and windscreen cover, each subject to the policy terms. The page positions the product for Singapore vehicle owners who want comprehensive cover with flexibility and customer service, and states the policy is protected under the Policy Owners' Protection Scheme administered by SDIC. The insurer's site publishes phone, WhatsApp and email service channels. Check which benefits apply to your vehicle and driver profile by reading the policy wording provided by HL Assurance.
7. Income Insurance
Income Insurance Limited, one of Singapore's long-established insurers, sells private car cover under the Drivo Car Insurance name. Its page describes three plan options, Classic, Advantage and Premium, which differ mainly in how repairs are handled, from workshops selected by Income to a choice of workshop and original parts at authorised workshops. Described cover includes loss or damage to the car from accident, fire or theft, third-party property damage, personal accident benefits, towing costs and unlimited windscreen cover, with the Orange Force accident assistance service. Optional extras include no-claim-discount protection, excess waiver cover and a daily transport allowance. The site states the policy is protected under the Policy Owners' Protection Scheme administered by SDIC. Review current plan terms and eligibility with Income before applying.
8. MSIG Insurance (Singapore)
MSIG Insurance (Singapore) Pte. Ltd. lists motor insurance for both personal and commercial vehicles on its website, with private cars offered through products named MotorMax and MotorMax Plus. Its pages describe MotorMax Plus as adding extra benefits aimed at electric vehicle owners, such as a daily transport allowance and a car loan protection benefit, all subject to policy terms. The insurer provides a customer portal for online purchase and policy management, a workshop locator under its motor claims section, and live chat support. Its footer links to Regulatory disclosures and a Policy Owners' Protection Scheme page, and you can read those pages for the insurer's stated scheme status. Because MSIG's marketing changes often, confirm cover types and conditions in the current policy wording.
9. Sompo Insurance Singapore
Sompo Insurance Singapore Pte. Ltd. offers a Private Car insurance product with an online quotation tool. Its product page describes comprehensive plans split by vehicle age, one allowing repairs at a preferred workshop and another using an approved workshop assigned by Sompo. Listed features include cover for accidental damage, fire and theft, flood damage, third-party liability, towing after an accident, windscreen cover, personal accident and medical expenses, plus 24-hour emergency assistance. Optional additions include no-claim-discount protection, loss of use and waiver of excess. The page lists eligibility conditions for applicants and states the policy is protected under the Policy Owners' Protection Scheme administered by SDIC. Check the brochure and motor policy wording, which the site makes available for download, for current terms.
How to choose
- Check that the company is a general insurer regulated in Singapore and that the policy is protected under the Policy Owners' Protection Scheme. Insurers usually state this on product pages and in the footer, and the Monetary Authority of Singapore publishes a public directory of financial institutions you can use to cross-check the name.
- Read the product summary and policy wording for each cover type, because comprehensive, third-party fire and theft, and third-party only policies protect different things. Look closely at the exclusions, the definition of who may drive, and any conditions tied to vehicle age or usage before assuming a policy fits your situation.
- Understand how repairs work under each plan, since insurers describe options such as choosing your own workshop or using an authorised network. Ask whether original parts are available, what repair guarantees apply, and how excess and any optional waiver or protection add-ons are structured. These details vary by insurer and can change.
- Look at how claims are reported and handled, including accident hotlines, approved reporting centres, online claim submission and roadside assistance arrangements. A clear claims process matters most when something goes wrong, so find out which channels and documents each insurer asks for before you buy.
- Treat summaries, including this one, as a starting point rather than advice. Request quotes directly, compare like-for-like cover types and optional extras, check how no-claim-discount rules are described, and speak to the insurer or a licensed adviser if anything in the terms is unclear before you commit to a policy.
. No changes recorded since.
Founder and Editor
Amir Wahab is the founder and editor of LocalRank, an independent Singapore rankings and local guides publication.
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