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What "Third-Party Only (TPO)", "Third-Party Fire and Theft" and "Comprehensive" Really Mean in Your Car Insurance

Congratulations on owning your first car and welcome to a life of convenient mobility! Before your flag-off, however, you’ll need to take a step back and protect yourself and your prized possession with car insurance that is tailored to your needs.

We’ve been there so we know a thing or two. Ready for your briefing?

What a New Driver Should Look for in an Insurance Policy

It’s only natural to shop around for the cheapest policy, but getting the right level of cover as a new driver is equally important. 

First off, decide on whether you want Third-Party Only, Third-Party Fire and Theft, or Comprehensive cover. Understand what you are buying and what the policy covers and not wait until it is too late; the consequences can be serious if you are not adequately covered in an accident. 

GoBear-car-insurance-new-driver

1. Third-Party Only

The Third-Party Only (TPO) plan is ideal for motorists who require only basic protection for liability against third-party property damage or physical injuries. This is the cheapest option for car insurance and is the minimum legal requirement under Singapore regulation.

  • Liability to Third-Party
    You are covered if you injure someone or are involved in a fatal accident involving your car. You are also covered when property belonging to a third-party is damaged by you in a car accident.
  • Legal Expenses
    Help is provided for legal expenses and costs to resolve or defend a claim made against you.


2. Third-Party Fire and Theft

In addition to coverage provided by the TPO plan, under a Third-Party Fire and Theft (TPFT) plan, you are covered for damage caused to your car through fire or if your car is stolen. The cost for repairs to your car will also be covered in the event of fire.

3. Comprehensive Policy

The Comprehensive policy covers all of the above plus car damage in any natural disaster, which includes floods or falling trees.

  • Repairs
    The cost for reparations of your car will be covered in the event of damage in a natural disaster, and the insurer will pay you up to the market value of your car if it is stolen.
  • Spare Parts
    Your standard spare parts and accessories, including stereos, are also covered against damage, loss or theft.
  • Windscreens and Windows
    Windscreens and windows are covered against damage and the full replacement cost will be reimbursed.


Getting ample coverage is necessary for your peace of mind. With more information in your hands and with GoBear as your driving partner, choosing your first car insurance should be less of a hassle. The road awaits!


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