Learn about insurance
Guides and explainers from our verified advisors. Understand what you're buying — then ask our assistant about specific products.
What actually affects your motor insurance premium
NCD, excess, driver age, and workshop schemes: the four levers that move your car insurance price.
Daniel Lim
Renewing motor insurance: switching insurers without losing NCD
A no-claim discount built up over years does not automatically disappear when you switch insurers, but the transfer is not automatic either. Here is what to check.
Daniel
Windscreen cover, roadside assistance and other motor add-ons
A comprehensive motor policy covers the big risks. Add-ons handle the smaller, more frequent ones — windscreen cracks, breakdowns, and a few others worth knowing about.
Daniel
Personal accident benefits inside a motor policy
Many comprehensive motor policies quietly bundle personal accident cover for the driver and passengers. Here is what that benefit usually covers, and where it falls short of a standalone plan.
Daniel
Total loss and market value: what you get if the car is written off
When a motor insurer declares a car a total loss, the payout is usually based on its market value just before the accident, not what you paid for it. Here is how that figure is reached.
Daniel
How motor premiums are calculated: age, car, claims history and usage
Motor insurance is compulsory in Singapore, but the premium two drivers pay for the same car can differ sharply. Here is what insurers weigh, and how to influence it.
Daniel
Motorcycle insurance in Singapore: what riders should check
Motor insurance is compulsory for every registered motorcycle in Singapore, but the type and extent of cover you choose is entirely up to you. Here is what to look at before renewing.
Daniel
Motor insurance for private-hire drivers: the commercial use question
A personal motor policy is priced for social and domestic driving. Using the same car for private-hire work changes the risk, and insurers need to be told.
Daniel
Named drivers and what happens if someone not named crashes your car
Most private motor policies in Singapore list who is allowed to drive the car. Lend it to someone off that list and a claim can turn out very differently than you expect.
Daniel
MotorMax explained: benefits, limits and the fine print
MSIG's MotorMax is a comprehensive private car policy with 24-hour roadside assistance and new-for-old replacement on newer cars. Here is what its standard limits actually are.
Daniel
Driving into Malaysia: does your Singapore motor policy cover you?
A Singapore-registered car crossing the Causeway or Second Link doesn't automatically carry the same cover it has at home. Here is what to check before you drive across.
Daniel
Insuring an electric vehicle in Singapore: battery, charger and repair costs
EVs bring cost drivers a standard motor policy was not written with in mind: batteries, home chargers and specialist repair. Here is what to check before insuring one.
Daniel
MotorMax Plus explained: benefits, limits and the fine print
MSIG's MotorMax Plus adds any-workshop freedom, higher personal accident limits and EV-specific benefits to its comprehensive motor cover. Here is what the published benefits actually state.
Daniel
Authorised workshops vs any workshop: why the premium differs
Motor plans that restrict repairs to an approved workshop network are usually cheaper than ones that let you choose any workshop, including your dealer's. Here is why, and how to decide.
Daniel
What to do after a car accident in Singapore: the Motor Claims Framework
The minutes and days after a car accident shape how smoothly your claim goes. Here is the general sequence to follow, and where to turn if your insurer and the other party cannot agree.
Daniel
Excess on a motor policy: standard, young driver and unnamed driver excesses
Your motor policy can carry more than one excess at once, and they stack. Here is how standard, young driver and unnamed driver excesses actually work.
Daniel
No-claim discount (NCD): how it builds, how you lose it, and NCD protector
Your motor NCD can take years to build and one claim to lose. Here is how the discount actually works, what resets it, and what an NCD protector add-on does.
Daniel
Comprehensive vs third-party fire and theft vs third-party only
Every motor policy in Singapore covers third-party liability at minimum. Whether it also covers your own car, and against what, is what separates the three common tiers.
Daniel
Motor insurance in Singapore: the minimum the law requires
You cannot legally drive in Singapore without at least third-party liability cover. Here is what that minimum actually protects, and why most drivers buy more than it.
Daniel
Drivo Car Insurance explained: benefits, limits and the fine print
Income Insurance's Drivo plan pairs unlimited windscreen cover with its Orange Force accident response team. Here is what the published benefits actually promise.
Daniel
Private Car Insurance explained: benefits, limits and the fine print
Sompo's Private Car Insurance bundles unlimited windscreen cover and loyalty discounts into a standard comprehensive plan. Here is what's actually in it and what to check.
Daniel
Car Protect360 explained: benefits, limits and the fine print
HL Assurance's comprehensive motor plan pairs workshop flexibility with a halved excess at approved workshops. Here is what it covers and what to verify before buying.
Daniel