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Car Insurance
Special Recommendations

HL Assurance logo


From $685.00/ year*

Enjoy 25% OFF

✅  24-hour roadside assistance

✅  Up to $20,000 Personal Accident coverage for insured

✅  Up to $1,000 medical expenses per accident for you and your passengers 

✅  Up to a total of $1,000 for Daily Transport Allowance (up to 10 days if repair exceed 3 days)




From $765.00/ year*

Enjoy up to 24% OFF

✅  Windscreen cover (excess of $100) 

✅  Additional 5% discount if you have demerit-free for the past 3 years  

✅  Get approval of up to $5,000 own damage repair claims within 30-mins

✅  Up to $50,000 Personal Accident coverage for insured 


msig logo


From $1099.96/ year*

✅  24-hour roadside assistance

✅  Up to $50/day on Transport Allowance 

✅  ANY Workshops for repairs

✅  Up to $100,000 on Loan Protection Benefits for new cars




From $744.00/ year*

Enjoy 15% OFF1 / 20% OFF2

✅  24-hour roadside assistance

✅  Lifetime 50% NCD Guarantee 

✅  Any driver you trust to drive your car is insured without naming them

✅  Third Party Property Coverage of up to $5,000,000

1only applicable for Classic Plan 

2only applicable for Executive and Prestige Plan 




From $808.25/ year*

✅  24-hour automobile assistance

✅  Windscreen cover; $100 excess waiver if repair

✅  Towing cost of up to $300 reimbursement for accidents

✅  Third Party Property Coverage of up to $5,000,000


liberty logo

From $794.89/ year*

✅  24-hour roadside assistance

✅  Up to $50,000 Personal Accident coverage for insured

✅  Up to $1,000 medical expenses per accident for you and your passengers 

✅  Waiver of basic excess 


*Indicative annual premium for a 40-year-old married male driver with clean driving record and 50% NCD, driving a Toyota Sienta 1.5 MPV registered in 2017

Key factors when choosing a Car Insurance policy

car ins


A fixed amount you need to contribute for
any medical coverage or car repairs in the event of the accident.

No Claim Discount (NCD)

A discount offered on premiums to drivers who do not make
any claims from their insurance for a particular number of years.

Comprehensive Coverage

Damage to yours and other party's vehicle.
Medical coverage for yourself, passengers and other party.
Car theft and theft of belongings in your vehicle.


Get a better understanding of Car Insurance.

From choosing a suitable plan that suits your budget and needs.

    Asked Questions


In a nutshell, car insurance is the peace of mind for you. It’s your financial protection in case something unexpected happens to your car. Your car insurance will cover the big costs associated with damage to your car, to someone else’s car or property, or even hospital fees if you or someone else is injured.

Finding the right car insurance is not just about finding the best price. You want to be getting the best deal that matches your needs. Moreover, you want to be sure that you’re covered if the unexpected happens. We are pretty sure you are an awesome driver, but you can’t always predict accidents or objects like hail, flood or rocks chipping your windscreen. With a car insurance policy that’s just right for your car, you can make sure you do not end up out of pocket.

For more information, check out our Guide to Car Insurance.

If you haven’t made a claim in the past year, some insurance companies will offer you a discount on your insurance policy when you renew it. This is good news! The longer you go without making a claim, the better discount you might get. Also sometimes known as a No Claims Bonus (NCB).

Ideally, one or two months before your car insurance expires. This will give you enough time to renew your road tax and get a car inspection if you need one. Insurance providers often introduce updates to their car insurance plans that might be up your alley, so you should think about comparing car insurance plans on GoBear before you renew.

There are heaps of different car insurance companies in Singapore – and they offer broadly three major types of car insurance. These are:

Third-Party Car Insurance

This covers you if you have an accident and you damage someone else’s car or property. It does not cover your own car if you get into an accident, or if any other unexpected things happen to your car. It is the cheapest insurance coverage but, bear in mind, coverage is limited. 

Third-Party, Fire, and Theft Car Insurance

This is similar to the third-party car insurance but with some added benefits! Hence, you’re covered if you have an accident and you damage someone else’s car or property. And, like the name says, it also covers your car if it is stolen or damaged by fire. 

Comprehensive Car Insurance

This offers the most cover to repair or replace your car if it gets stolen. The cover typically includes damage as a result of an accident, vandalism, theft or weather. It also covers accidental loss or damage to your car, and most of the time, it covers all of your car’s accessories and spare parts. It covers you as well when a third party makes a claim against you. This may happen when you accidentally hit their car or their property. If you finance your car, you don’t get a choice – you have to take out comprehensive cover.

Insurance companies also offer other benefits you can add on if you wish. For example, you can choose if you want to be covered in case your windscreen gets a chip or crack. If you’re a superb driver and you’re not using your car to earn extra dough, you might be entitled to a No Claims Discount provided you don’t have an accident. This varies between insurers so you can check for online car insurance quotes to figure out how much it might cost you.