Private Car Insurance
Private Car Insurance Singapore – Comprehensive & Affordable Coverage
Looking for reliable private car insurance in Singapore? Our trusted General Insurance Agency offers tailored motor insurance solutions to protect you, your vehicle, and your finances. We partner with leading insurers to provide competitive premiums and comprehensive coverage for all private car owners, including electric and hybrid vehicles.
With the right policy, you can drive confidently knowing you are financially protected against unexpected accidents and liabilities.
- Third-party bodily injury or death
- Third-party property damage
- Accidental damage to your own car
- Fire, theft, and natural disasters
What is Private Car Insurance?
Types of Private Car Insurance Coverage in Singapore
- Covers damage to your own car and third parties
- Protection against accident, fire, theft, flood, and vandalism
- Includes towing, windscreen cover, and optional add-ons
Comprehensive Car Insurance
- Covers third-party liabilities
- Covers loss or damage due to fire and theft
- Cost-effective option for older vehicles
Third Party, Fire & Theft Insurance
- Minimum legal requirement
- Covers third-party injury and property damage
- No coverage for damage to your own car
Third Party Only Insurance
Key Benefits of Private Car Insurance
- Unlimited third-party bodily injury liability
- Up to SGD 5 million third-party property damage cover
- Authorised or preferred workshop repairs
- Towing and roadside assistance
- Windscreen repair and replacement cover
- No Claim Discount (NCD) up to 50%
- Optional courtesy car or daily transport allowance
- Coverage in Singapore, West Malaysia & Southern Thailand
Optional Add-Ons & Enhancements
Enhance your policy with optional benefits such as:
- Preferred workshop endorsement
- Unnamed driver cover
- New-for-old replacement (for new vehicles)
- Courtesy car or transport allowance
- Roadside assistance and breakdown support
These add-ons provide flexibility and improved claims convenience.
No Claim Discount (NCD)
- Up to 50% No Claim Discount
- Transferable NCD when switching insurers
- NCD protection options available
Who Should Get Private Car Insurance?
- Private car owners in Singapore
- New and used car buyers
- Electric and hybrid vehicle owners
- Families with multiple authorised drivers
- Drivers seeking comprehensive or budget-friendly protection
Why Choose Us?
- Offer unbiased advice across multiple insurers
- Customise coverage based on your needs
- Assist with policy comparison and premium optimisation
- Provide end-to-end claims support
- Ensure clear explanation of policy terms and exclusions
Our priority is to protect your financial interests while ensuring regulatory compliance and peace of mind.
Get a Quote Today
Speak to us for a personalised Private Car Insurance quotation. Whether you are renewing, switching insurers, or purchasing a new policy, we are here to guide you every step of the way.
Drive with confidence. Insure with clarity.
Frequently Asked Questions (FAQ)
Is Private Car Insurance mandatory in Singapore?
Yes. Under Singapore law, all vehicle owners must have at least Third Party Motor Insurance to cover third-party bodily injury or property damage arising from the use of a private car.
Depending on the type of policy, Private Car Insurance may cover:
Depending on the type of policy, Private Car Insurance may cover: 1. Third-party bodily injury or death 2. Third-party property damage 3. Accidental damage to your own vehicle 4.Fire, theft, and malicious damage Coverage is subject to policy terms, conditions, and exclusions.
What are the different types of Private Car Insurance?
The common types of Private Car Insurance in Singapore are: Comprehensive Insurance – covers your own vehicle and third parties Third Party, Fire & Theft (TPFT) – covers third-party liabilities, fire, and theft Third Party Only (TPO) – minimum legal requirement covering third-party liabilities only
Which type of Private Car Insurance should I choose?
The choice depends on factors such as: Vehicle age and market value Driving experience and usage Budget and risk tolerance Comprehensive coverage is generally recommended for newer or higher-value vehicles.
What is No Claim Discount (NCD)?
No Claim Discount (NCD) is a premium discount earned for every claim-free policy year. In Singapore, NCD can accumulate up to 50% and is usually transferable between insurers, subject to conditions.
Can I protect my NCD if I make a claim?
Some insurers offer an NCD Protector option that allows you to retain your NCD after a limited number of claims within a policy period. Terms vary by insurer.
Are unnamed drivers covered under Private Car Insurance?
Unnamed drivers may be covered, subject to: Additional excess Policy conditions and endorsements It is important to review policy terms or include relevant endorsements if required.
Does Private Car Insurance cover overseas driving?
Many policies extend coverage to West Malaysia and Southern Thailand, subject to geographical limits and policy conditions. Always confirm coverage before driving overseas.
Can I choose my own repair workshop?
Most policies require repairs at authorised workshops unless a preferred workshop option is selected. Workshop choice may affect excess amounts and claims procedures.
Is windscreen damage covered?
Windscreen repair or replacement is commonly covered under Private Car Insurance, usually with specific conditions or excess. Coverage terms differ between insurers.
What should I do after a car accident?
You should: Report the accident within the required timeframe Exchange particulars and collect evidence Avoid admitting liability Inform your insurance intermediary promptly Proper reporting helps prevent claim delays and unnecessary NCD reduction.
Does Private Car Insurance include roadside assistance?
Many policies include towing and roadside assistance. The scope, limits, and conditions vary depending on the insurer and plan selected.
Can I switch insurers when renewing my Private Car Insurance?
Yes. You may switch insurers during renewal while retaining your NCD, provided eligibility requirements are met. Comparing coverage and terms is recommended before switching.
Does Private Car Insurance cover business use?
Standard Private Car Insurance generally covers social, domestic, and pleasure use. Business use may require an additional endorsement, subject to insurer approval.
How can a General Insurance Agency assist me?
A General Insurance Agency can: Compare multiple private car insurance options Explain policy coverage, exclusions, and excess clearly Help customise coverage to your needs Provide professional claims assistance