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Insurance

Every vehicle driven on Singapore roads must have motor insurance coverage at all times.

At a glance

Understanding insurance	You need to have sufficient motor insurance coverage for your vehicle. It is an offence to use a vehicle without valid insurance coverage. Motor insurance is also a prerequisite for road tax renewal.
Buying insurance	You can get motor insurance coverage from various motor insurance companies.
Related digital services	Enquire Road Tax Payable/Prerequisite(s) To Fulfil Check the insurance company of a vehicle Each successful search on an insurance company costs $27.25.

Understanding insurance

All vehicles must have motor insurance coverage to be used in Singapore. It is a requirement for your vehicle to be insured for the entire road tax renewal period before its road tax can be renewed.

The insurance must at least cover third-party liability for deaths and bodily injury. This is important so that traffic accident victims can be covered by insurance.

Update your insurance company and seek advice on the insurance coverage if you:

• Intend to change the scheme or purpose of your vehicle. For example, if you changed your personal use car to a private hire car.
• Modify your vehicle. For example, if you add a canopy to your lorry.

Check if your insurance is sufficient for road tax renewal

It is an offence to use a vehicle without valid insurance coverage. The penalty for this offence includes a fine of up to $1,000 or imprisonment of up to 3 months or both, and a mandatory disqualification from holding a driving licence for at least 12 months.

Insurance as a prerequisite to road tax renewal

Motor insurance is a prerequisite before you can renew your road tax. Your insurance must cover the entire road tax renewal period before you can renew.

If you are renewing your vehicle road tax via digital services, you need to buy your motor insurance at least 1 working day in advance.

If you are renewing your vehicle road tax at road tax collection centres, bring along either your original certificate of insurance, electronic certificate of insurance or cover note.

Learn more about road tax renewal

Buying your motor insurance

You can buy motor insurance from these motor insurance companies below.

Insurance fees may differ depending on the vehicle’s condition and the scheme it is in. Update your insurance company if you have changed your vehicle scheme, changed its purpose, or if you modified it.

List of motor insurance companies

1. AIG Asia Pacific Insurance Pte. Ltd

2. Allied World Assurance Company, Ltd (Singapore Branch)

3. Allianz Global Corporate & Specialty SE Singapore Branch

4. Allianz Insurance Singapore Pte. Ltd.

5. Auto & General Insurance (Singapore) Pte Ltd, trading as Budget Direct Insurance

6. Singapore Life Ltd

7. HSBC LIFE (SINGAPORE) PTE. LTD.

8. China Taiping Insurance (Singapore) Pte Ltd

9. Chubb Insurance Singapore Limited

10. Direct Asia Insurance (Singapore) Pte Ltd

11. ECICS Limited

12. EQ Insurance Company Ltd

13. ERGO Insurance Pte. Ltd.

14. ETIQA Insurance Pte Ltd

15. MS First Capital Insurance Limited

16. FWD Singapore Pte. Ltd.

17. Great American Insurance Company

18. Great Eastern General Insurance Limited

19. HL Assurance Pte. Ltd

20. India Int’l Ins Pte Ltd

21. Liberty Specialty Markets Singapore Pte. Limited

22. Lonpac Insurance Bhd

23. MSIG Insurance (Singapore) Pte Ltd

24. Income Insurance Ltd

25. QBE Insurance (Singapore) Pte Ltd

26. Sompo Insurance Singapore Pte. Ltd.

27. Tokio Marine Insurance Singapore Ltd

28. United Overseas Ins Ltd

29. Zurich Insurance Company (Singapore Branch)

In the event of an accident, update your insurance company even if there is no visible damage to your vehicle. Check the Motor Claims Framework (PDF, 126kB) on how to make claims, or find out more from the General Insurance Association of Singapore.

You can also check if the other vehicle(s) involved in the accident was covered by insurance at the time of the accident. Each successful search costs $27.25.