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GoBear tips. How to get the best price for your Car Insurance.

price tip 1

Your NCD can shave as much as 50% off your annual Motor Insurance premium! Get rewarded for your safe driving and clean claims record

price tip 2

If your policy is due for renewal, consider shopping around for better quotes from other providers with the coverage you need

price tip 3

You may not need all the bells and whistles. From towing transport allowances to personal accident coverage, review your needs to cut down on your premium

Buy Car Insurance online. Get insured in 3 easy steps on GoBear.

step 1

Tell us about your car and the driver to get your quote

step 2

Select a plan that matches your budget

step 3

Fill in the application and make your payment online

What cover do I need? 3 types of motor insurance to choose from.

The highest level of car insurance coverage available that includes third party, fire and theft, and also covers the cost of repair or replacement of your car if it’s involved in an accident or damaged on purpose. Additional cover benefits available depending on policy.


Typical coverage:

✓ Death or injury to third parties

✓ Damage to third party’s property

✓ Legal costs (varies)

✓ Fire damage to your own car

✓ Theft of your own car

✓ Roadside assistance*

✓ Personal accident coverage for driver and/or passenger*

✓ Medical expense coverage*

✓ Choice of own workshop*

✓ Towing service*

✓ Windscreen or window repair*

✓ No claim discount protection*

*Coverage availability depending on insurer and plan

Covers if your car is stolen or damaged by fire, also covers the cost of damage or injury to third parties.


Typical coverage:

✓ Death or injury to third parties

✓ Damage to third party’s property

✓ Legal costs (varies)

✓ Fire damage to your own car

✓ Theft of your own car

The minimum level of cover needed to drive legally in Singapore, only covers damage or injury to third parties and their property.


Typical coverage:

✓ Death or injury to third parties

✓ Damage to third party’s property

✓ Legal costs (varies)

Latest car insurance promotions. Up to 25% off!

fwd car insurance

Enjoy 15% OFF


‣ 24-hour roadside assistance
‣ Lifetime 50% NCD Guarantee
‣ Third Party Property Coverage of up to $5,000,000

hl logo
HL Assurance
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


tiq by etiqa logo

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


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Looking for the best Car Insurance in Singapore?

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Frequently asked questions. Everything you need to know about Car Insurance in Singapore.

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.

In Singapore, it is not just risky to drive without car insurance – it is against the law. Even if you don’t want full comprehensive car insurance, at the very least you need to have third- party car insurance to cover damages to someone else’s car or property, or in case they are seriously hurt.

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.

Most car insurance providers will look at a bunch of different things to figure out how much you are likely to end up paying. Based on those answers, they weigh up how “risky” you are as a driver and how likely you are to make a claim. Some of the things that influence what you pay each month are:

1. What kind of car you have and how old it is
3. The driver/s – Age, gender and whether you work inside or outside
4. Driving experience
5. Claim history
6. Type of cover
7. Excess level
8. Whether you drive your car in peak or off peak traffic
9. No Claim Discount

You can use a car insurance calculator to determine your premiums or ask an insurance agent to give you quotes. Or the easiest option, you can compare online car insurance quotes using GoBear!

You can call around and get car insurance quotes or use a comparison tool like GoBear to find and compare the best car insurance policies for your car. Always read the fine print to see whether the car insurance they are offering is the right fit for you.

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 usually 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.

With GoBear’s three easy steps (find, compare, choose), you can easily compare car insurance in Singapore. Put your details in the form above, and away you go! By using your smarts and our comparison tool, you can see which deal is cheapest but, more importantly, which deal is really the best value for money.

Free. Unlike other insurance comparison tools, GoBear is totally free for you to use so you can find and compare as many car insurance plans as you wish before making your decision.

Easy. You don’t need to be a genius to use GoBear. We make it easy to compare insurance, loans and credit cards at home or on the go. Find what you need in barely a few clicks.

Savings. We can save you money by showing you the best deals, and help make sure you are getting value for money.

Unbiased. We aren’t in cahoots with any banks or insurance providers, which means the results we show you are unbiased.

Transparent. We show the best plans and credit cards from all the key players so there is no need to shop around. Unless you like wasting your own time.

Why spend endless hours and headaches shopping around? Compare car insurance with GoBear Singapore and find the best plan for you in a matter of seconds.

About GoBear. We’re on your side.

We always try our hardest to make it super simple for you to compare insurance plans and banking products to find the one that’s right for you.