Back MENU
landing bear
I'm a year old .
The age must between 18 and 65!
I've been driving for years.
Buckle up!
We think it goes without saying that you need a valid driver’s license to be insured. Even though it makes you feel good to round up, if you’ve been driving – for example – for five years and seven months, round down to five years.
+
My No Claims Discount is .
What’s this “No Claims Discount” thing?
If you’re an awesome accident-free driver, you might get a discount on your plan! Check with your provider or on your renewal notice. If you can’t be bothered checking right now, just enter 0% here.
+
My vehicle number is
.
OR
My car is a
, , ,
{{capacity?capacity + ' cc':'Capacity'}}
.
We hope it’s ok, but we assumed a few things to find you the best plans.
Our assumptions: You’re the registered owner of the car and it’s registered in Singapore, right? We thought so! We’re pretty sure you’re an awesome driver so we’ve assumed your license hasn’t been suspended or cancelled in the last five years, you don’t have Demerit Points and you haven’t had any accidents or claims in the last three years. And we’re guessing in the last three years you haven’t been knocked back by any car insurance provider. We also guessed you don’t use your car for work or for making money. And if you’ve jazzed up your car, we’re hoping it’s still LTA compliant.
+

{{'We suggest: '+suggestModel}}
Please Select Your Car Year
Car Insurance
Start Over Ok, let's go!
If you click on ”Ok, let's go!” above, we’re guessing you’re on board with our T&Cs and privacy policy.
Ok, let's go! Start Over
If you click on ”Ok, let's go!” above, we’re guessing you’re on board with our T&Cs and privacy policy.
By clicking on this button, I agree to the GoBear terms & conditions and privacy policy.

WHY COMPARE CAR INSURANCE THROUGH GOBEAR?

  • Free and unbiased – We cut out the middleman and don’t play favourites with plans
  • Personalised search – Skip the brochure-talk. The quotes are based on your car and driving history.
  • Bang for your buck – Get the latest promotions, great discounts and best deals
  • Time saver – No personal contact details required. You’re just clicks away from instant car insurance quotes
  • Trusted by your buddies – Check out reviews and scores for smarter comparisons
  • PERFECT FOR YOU

    PERFECT FOR YOU

    We get personal to find you the right deal

  • SAVINGS

    SAVINGS

    Get more bang for your buck with the latest promos and best deals

  • UNBIASED

    UNBIASED

    We don’t play favourites with providers or plans so you get the best deal for you

  • FREE AND EASY

    FREE AND EASY

    We keep it simple and don’t charge you a middle-man fee

Compare car insurance plans for free now and find out how much you can save.

Compare Now
  • 1.What is Standard Excess? How will it affect my premium?
    Standard Excess refers to the amount of money you are required to pay (eg. first $600) before the car insurer pays (eg. from $601 onwards) when you claim for accidental damage. Some car insurers offer the option to increase your excess to reduce your premium. This excess may double in amount. The motivation for insurers to offer this feature is based on the assumption that with a higher excess, a driver is likely to be more conscientious when driving on the road. The likelihood for such drivers to make a claim is lower.
  • 2.What is waiver of excess?
    Some insurers will cover your standard excess while your car is being repaired at one of their authorised workshops. Under "waiver of excess", sub-section “own damage”, you are able to check if an insurance plan offers this benefit.
  • 3.What if I sell my car in the midst of my insurance policy period?
    Please check with your car insurer as the procedure varies with each car insurer. The common procedure would involve these following steps: 1. Inform your car insurer in writing that you would like to cancel the policy. 2. Enclose your original auto certificate of insurance, a photocopy of your sales agreement/de-registration letter from LTA and a letter from you, stating that you would like to terminate the policy. The termination is usually effective from the date the car insurer receives your termination request and confirms that all necessary documentations are in order.
  • 4.When should I consider renewing my car insurance?
    Ideally 1 – 2 months before your car insurance expires. This will give you enough time to renew your road tax and car inspection should you need one. It would also be useful to compare car insurance plans on GoBear to ensure that you have the right car insurance plan. Insurance companies often update their product offerings that may be of interest to you and you could benefit from some savings from these new products.
  • 5.What does the insurer need to know about me?
    The profiles of a driver forms the main determinant in accessing premium levels. Here are some questions that are often asked: 1. Have you made any claims? (up to 3 years ago) 2. Has your vehicle been modified? 3. Who will be driving the vehicle? 4. How long have you been driving? When GoBear calculates your premium we assume that you didn’t make any claims and your vehicle is not modified. If this is the case, please expect actual premiums to be higher.
  • 6.How does the insurance company set my premium?
    Most insurance companies have a “risk factor rating system” when setting your premium. It is like a score card where certain factors have higher weightage than others. Some factors are: 1. Car make, model and age of vehicle 2. Car engine capacity 3. Age, gender, occupation of drivers (Indoor or outdoor) 4. Driving experience of drivers 5. Claim history of drivers 6. Type of cover 7. Excess level 8. Peak or Off-Peak Car (OPC) 9. No Claim Discount (NCD)
  • 7.If I settle the claim privately, do I have to report the accident to my insurance company?
    Yes, you are required to do so. If you do not report an accident to your insurer within 24 hours or by the next working day and/or do not provide your car to the insurer for inspection in accordance with the terms of the insurer, the insurer may reduce your No Claim Discount upon renewal of your policy. And no NCD protector can cover that.
  • 8.What is Young and Inexperience Driver Excess?
    Young and Inexperience Driver Excess This is someone who is below a certain age (determine by the insurance company) and/or has less than 2 years of driving experience. Young and inexperience drivers normally pay an additional excess on top of the standard excess (this varies from insurance companies) in the event of an accident claim.   Find out the different Young and Inexperience Driver excess across various insurance companies by using our compare function!
  • 9.What is No Claim Discount (NCD)?
    NCD stands for No-Claim Discount. This is a discount offered by car insurers for those car owners who have not made any claims within a year or more. The longer the car owners do not make any claims, the better the discount they may be eligible for. The No-Claim Discount or NCD is meant to reduce the premium that car owners will have to pay the following year with regards to their car insurance plan. This way, the insurers will be able to recognize those car owners who have been pretty careful on the roads. The table as shown below illustrates more about how the car insurers out there determine the NCD. PERIOD OF INSURANCE WITH NO CLAIM -- NCD 1 Year -- 10% 2 Years -- 20% 3 Years -- 30% 4 Years -- 40% 5 years or longer -- 50% Every year, if no claim made against your car insurance, you will be entitled 10% premium discount (accumulated up to a maximum of 50%) for your car insurance. This discount will take effect on your next policy year. If you are a named driver on somebody else policy you will not receive a NCD discount.
  • 10.Is NCD transferable to another person?
    No. Your NCD relates only to you. It can only be transferred when you switch vehicles, eg. When you change from your old vehicle to your new purchase vehicle, assuming you get your new car within a certain time period.
  • 11.Can I insure against loss of my NCD
    If you have a 50% NCD (ie you haven’t had a claim in five years), you could explore the option some insurers offer to protect against the loss of the discount. Certain insurer even provide a NCD protector with 30% NCD. This could come with an incremental premium but this means you can make one claim during the year, and still have your NCD fully protected. Check if your insurer has this benefit on GoBear.
  • 12.Insurance Lingo - Car Insurance
    Main Driver This is the person who drives the vehicle most often and earns a NCD. Named Driver Named driver are additional drivers you declare on your policy who frequently drive your vehicle. Authorised Driver Authorized driver is anyone you give permission to drive your vehicle but who is not declare in your car insurance. A named driver shares the same excess as you whereas an authorised driver receives higher excess. This though could vary from insurer to insurer.  Excess Excess (also called a ‘deductible’) is the money you pay out of your own pocket before an insurance company covers the rest of a claim. How much you pay depends on the policy and the company. Usually, though, car insurance deductibles are between $0 and $1,500. Keep in mind that deductibles and premiums are related. A high deductible means a low premium. Also, a low deductible means a high premium. To put it another way, a high deductible can save you money every month. You’ll have a big bill to pay, though, if you file a claim. Waiver of Excess Some insurers will pay your standard excess when your car is being repaired at one of their authorized workshops. You can check if the Insurer has this benefit under the chapter “own damage” under the name “waiver of excess”.  Comprehensive cover This offers the widest coverage in terms of repair or replacement of your vehicle if it gets damaged or lost as a result of accident, vandalism, theft or weather-related damage. It also covers accidental loss or damage to your vehicle, and most of the time all its accessories and spare parts and lastly It also covers liability claims from third parties. A comprehensive cover is mandatory when you finance your car if you are financing your car. Third Party, Fire and Theft Cover This covers injury and damage caused by your vehicle to someone else’s vehicle or property. It also covers your vehicle if it’s stolen or damaged by fire.   Third Party Cover This covers liability from third parties for damage and injury to their vehicle or property caused by your vehicle. Your own damage when you are at fault due to an accident is not covered. Premium This is the amount you pay to an insurer so it will provide coverage and pay claims.
  • 13.What does the car insurer need to know about me?
    The profiles of the drivers are important when accessing premium levels. The following are some questions that may be asked: 1. Have you made any claims? (up to 3 years ago) 2. Has your vehicle been modified? 3. Who will be driving the vehicle? 4. How long have you been driving?
  • 14.When should I consider renewing my car insurance?
    Ideally 1 – 2 months in advance. That will give you enough time to renew your road tax and car inspection should you need one, or compare car insurance plans before deciding to renew with your present insurer or switch to a new car insurer.
  • 15.What type of motor insurance coverage should I buy for my car?
    Insurers normally offer 3 main types of motor insurance policies. 1. Comprehensive cover: This offers the widest coverage in terms of repair or replacement of your vehicle if it gets damaged or lost as a result of accident, vandalism, theft or weather-related damage. It also covers accidental loss or damage to your car, all its accessories and spare parts as well as liability of claims from third parties for damage to people and property. 2. Third Party, Fire and Theft Cover: Covers injury and damage caused by your vehicle to someone else’s vehicle or property. It also covers your vehicle if it’s stolen or damaged by fire. 3. Third Party Cover: Covers liability from third parties for damage and injury to their vehicle or property caused by your vehicle. Your own damage when you are at fault due to an accident is not covered.

If you find these answers helpful? Check out our FAQs for other products to learn more.