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car-insurance-singapore

5 Best Car Insurance Providers in Singapore That Will Give You Ultimate Road Peace with Zero Worries

  • Coverage options - We focused on the scope of coverage each policy provides, including comprehensive, third-party, fire and theft, and third-party only.
We prioritized insurers offering flexible coverages that can be customized for individual needs.
  • Pricing and premiums - We looked for insurers that provide the best value without sacrificing essential coverage.
  • Excess and deductibles - Attention was given to excess amounts or deductibles, which are crucial for determining potential out-of-pocket expenses during claims. We preferred policies that have reasonable excess rates to avoid surprises during claim time.
  • No-claim discount (NCD) protection - Our evaluation included insurers that provide competitive NCD rates and protection options, protecting your safe driving record after a claim.
  • Claims process - We assessed insurers based on the straightforwardness and efficiency of their claims process, with a focus on those offering 24/7 support and easy online claim submissions.
  • Policy benefits and add-ons - We identified policies offering valuable extras that enhance the base coverage affordably.
  • Network of authorized workshops - The breadth of each insurer’s network of approved workshops was considered, prioritizing those with expansive networks for convenient, quality repairs.

Singapore’s traffic can be a bit… well, let’s say “unique.” From creative parking techniques to the occasional impromptu “Singlish” lesson at the junction, driving here is an adventure.

But here’s the good news: great car insurance in Singapore can give you the peace of mind to enjoy every moment on the road without worrying about the “what ifs.”

I spent countless hours diving into the fine print of policies. I even had my fair share of trial and error, which meant dodging a few not-so-great options. After all that, I’m here to share my findings, so you don’t have to go through the same ordeal.

So, sit back, relax, and let’s navigate through the maze of car insurance together. 

1. UDRIVERS

udrivers

Services: Private Vehicle Insurance, Commercial Vehicle Insurance, and Private Hire Insurance

Location: 45 Jln Pemimpin, #04-01A

Contact: +65 8869 0022

Business hours:

  • Monday to Friday – 10:00 AM to 6:00 PM
  • Saturday to Sunday – Closed

Website

Google reviews score5/5
Facebook reviews score5/5
Total reviews5/5
Score consistency 5/5
Coverage options4/5
Excess and deductibles4.6/5
No-claim discount (NCD) Protection4.5/5
Claims process 4.6/5
Policy benefits and add-ons4.7/5
Network of authorized workshops4.6/5
Pricing and premiums (A higher score means better value)4.5/5

UDRIVERS Insurance is dedicated to easing the journey of vehicle ownership with affordable premiums and excellent deals.

They offer comprehensive coverage options for all types of vehicles, including private cars, company vehicles, commercial vehicles, and private hire vehicles like GRAB or limousines.

One of the standout features is their ongoing promotion. When you insure your vehicle with them, you can receive up to $400 worth of petrol vouchers. A policyholder we spoke with found this to be a fantastic bonus, significantly reducing his spending on petrol. 

In addition to this, they provide complimentary 24/7 roadside assistance, offering peace of mind whenever you’re on the road.

The process of getting an insurance quote is seamless and convenient, particularly with the option to use SingPass for quick and easy access.

However, it’s important to note that some individuals might find that the coverage specifics or policy adjustments don’t perfectly align with their unique needs.

Pros

  • Affordable premiums
  • Provides excellent deals
  • Options available for a variety of vehicle types
  • Up to $400 worth of petrol vouchers
  • 24/7 roadside assistance
  • Seamless quote process

Cons

  • Coverage may not perfectly suit individual needs

Delivers exceptional service
“I came across Magdalene through a Facebook advertisement, and upon clicking the link, I was directed to a WhatsApp chat. From the very beginning, Magdalene demonstrated genuine attentiveness and professionalism. I shared with her that the cheapest quotation I had received so far was from NTUC, and she immediately took note of my information. What truly impressed me was her determination and dedication. Within just a day, she got back to me with an initial quotation that was slightly higher. However, she didn’t stop there. She assured me that she would fight for a better deal and she truly delivered. That very same day, she came back with a quotation that was not only competitive but actually lower than NTUC’s, saving me a significant three-figure amount. I am incredibly grateful for Magdalene’s exceptional service and commitment. The entire process was smooth, hassle-free, and handled with such ease. Her dedication and effort made all the difference, and I couldn’t be happier with the outcome. Thank you, Magdalene! If you are reading this review, her contact number is in the photo I shared.”

Mohammed Nafis, Google Review

Outstanding customer service
“I recently had the pleasure of working with Magdalene from Udriver Insurance, and I cannot speak highly enough of her exceptional service. From the moment I reached out with inquiries about insurance coverage for my vehicle, Magdalene displayed a level of professionalism and knowledge that immediately put me at ease. Magdalene took the time to thoroughly explain all the available insurance options, ensuring I understood the coverage details and benefits of each plan. Her patience and willingness to answer my numerous questions demonstrated her deep expertise in the insurance industry. She offered valuable insights and recommendations tailored to my specific needs, which helped me make an informed decision about my insurance policy. Moreover, Magdalene’s dedication to customer satisfaction was evident throughout the entire process. She was proactive in following up with me, ensuring all necessary paperwork was completed accurately and efficiently. Her attention to detail and commitment to providing excellent service truly set her apart. Overall, Magdalene made the often daunting task of choosing insurance straightforward and stress-free. Her professionalism, knowledge, and genuine concern for her clients’ well-being make her an invaluable asset to Udriver Insurance. I would highly recommend Magdalene to anyone seeking reliable and comprehensive insurance coverage with outstanding customer service.”

Jeff Ng, Google Review

2. Casa Meraki Insurance

casa-meraki-insurance

Services: Private Car Insurance, Commercial Vehicle Insurance, Business Package, Home Insurance, and Travel Insurance

Location: 65 Chulia St, OCBC Centre

Contact: +65 6908 5028

Business hours:

  • Monday to Saturday – 9:30 AM to 6:30 PM
  • Sunday – Closed

Website

Google reviews score5/5
Facebook reviews score5/5
Total reviews5/5
Score consistency 5/5
Coverage options4.3/5
Excess and deductibles4.6/5
No-claim discount (NCD) Protection4.6/5
Claims process 4.7/5
Policy benefits and add-ons4.8/5
Network of authorized workshops4.6/5
Pricing and premiums
(A higher score means better value)
4.5/5

Casa Meraki Insurance offers great coverage at competitive prices. If you’ve had an accident or your vehicle’s been stolen, they’re quick to help you get back on the road.

They also provide 24/7 roadside assistance, coverage for medical expenses for both drivers and passengers, and personal accident cover for drivers.

Their coverage even extends to West Malaysia and parts of Thailand—perfect if you often travel there. 

For businesses, they offer fantastic insurance for commercial vehicles, whether you have just one vehicle or a whole fleet.

You can choose from third-party, third-party fire and theft, or comprehensive coverage, depending on what works best for you. And if you’re ever unsure, their friendly customer service team is always ready to help.

But keep in mind, while they cover a wide range of vehicles and offer many packages, there might be some specific needs they don’t cover.

Pros

  • Quick response
  • 24/7 roadside assistance
  • Coverage for medical expenses
  • Personal accident coverage
  • Covers West Malaysia and parts of Thailand
  • Multiple coverage options
  • Helpful customer service 

Cons

  • May not cover very specific needs

Remarkable efficiency
“I want to extend my sincere gratitude for Jocelyn exceptional customer service and prompt attention to my recent car insurance renewal inquiries, her professionalism and efficiency have been remarkable throughout the process. I was particularly impressed by her swift response to my initial email and promptly prepared two comprehensive insurance quotations for me to consider, providing me with all the necessary information to make an informed decision. The quotations were clear and easy to understand, allowing me to quickly compare the coverage and premiums. Based on the quotations, I decided to proceed with one of the company. I appreciate her immediate follow-up and the quick processing of my payment. Thanks, Jocelyn!”

Nor Azri, Google Review

Hassle-free service
“I have been using Casa Meraki Insurance Agency to renew my car insurance for many years. Very prompt service by Shirley and Sandy, always sending me reminders in advance when it’s due for renewal. Hassle-free renewal and payment facilities, all done within few minutes of confirmation. Will continue to engage their service. Thumbs up!”

Karen Heng, Google Review

3. SG Cash N Cars

sg-cash-n-cars

Services: Cheap Car Insurance, High Performance & Exotic Car Insurance, Problems Obtaining Car Insurance Cover, Car Loan & Financing, COE Renewal Financing, Commercial Vehicle Loan

Location: 11 Sin Ming Road Thomson V Two, #B3-09 Unit 1

Contact: +65 9278 2880

Business hours:

  • Monday to Friday – 10:00 AM to 6:00 PM
  • Sunday – Closed

Website

Google reviews score5/5
Facebook reviews score4.7/5
Total reviews4.8/5
Score consistency 4.8/5
Coverage options4.9/5
Excess and deductibles4.8/5
No-claim discount (NCD) Protection4.7/5
Claims process 4/5
Policy benefits and add-ons4.7/5
Network of authorized workshops4.7/5
Pricing and premiums (A higher score means better value)4.5/5

SG Cash N Cars specializes in various types of car insurance tailored to meet different needs.

They provide a range of options like comprehensive, third-party only (TPO), and third-party fire and theft (TPFT). This variety simplifies rate comparisons, making it easy to secure the best deal all in one place.

And if you have a fancy car like a Ferrari, Lamborghini, or Porsche, they’ve got just the insurance you need with their “exotic car insurance” plan.

We find it impressive how they keep costs low without skimping on coverage. By partnering with top insurers like MSIG, Etiqa, and AIG, they bring you some amazing deals. For instance, you can snag free Shell fuel vouchers when you sign up for a policy. 

One thing to keep in mind: since they act as a middleman, sometimes the claims process can take a bit longer because it has to go through a few channels. 

Pros

  • Provides a variety of insurance options
  • Compares rates to find the best deal
  • Specialized plans
  • Cost-effective plans
  • Top insurer partnerships

Cons

  • Claims can take longer to process

Expertise and patience in refinancing
“Thankful for Robin & Jasmine for so patiently guiding and explaining to me the whole process of the refinancing. They even go down to the bank branch with me to oversee the whole process. Appreciate their effort for expediting the process for me too. Highly recommended if you are looking for car conversion or refinancing services. Fast responses from them too. You can certainly count on their expertise in the process. They will guide you through every details. 😊👍”

Mattew Yap, Google Review

Fuss-free experience
“Thank you Robin and Jasmine for handling the process of my purchase of a car from a direct seller. Both of them were very knowledgeable and was able to help me secure the loan and insurance very efficiently. Insurance premium was even lower than what was quoted to me directly from the insurer. They have a very well-ironed partnership and know their respective roles they play in the sales and purchase process. On my visit to their office on our first meeting, we spoke for so long and could talk like we’ve known each other for a long time. Topics about insurance, loans, COE renewal are their expertise and they really shared all the experience they had throughout the years. They were truly friendly and helpful. Don’t hesitate to look for them if you want a fuss free car purchase or COE renewal experience!”

Nicki Ang, Google Review

4. InsureMyCar

insuremycar

Services: Motor Insurance and Cheap Car Insurance

Location: My Mail Box (Business) No. 880336

Contact: +65 6469 3912

Business hours:

  • Monday to Saturday – 9:00 AM to 7:00 PM
  • Sunday – Closed

Website

Google reviews score5/5
Facebook reviews score5/5
Total reviews5/5
Score consistency 5/5
Coverage options4.8/5
Excess and deductibles4.6/5
No-claim discount (NCD) Protection4.7/5
Claims process 4.5/5
Policy benefits and add-ons4.9/5
Network of authorized workshops4.9/5
Pricing and premiums (A higher score means better value)4.6/5

InsureMyCar finds the lowest premiums with better benefits through their access to special schemes with major car insurers. On average, their customers enjoy about a 20% reduction in insurance costs.

They offer three main types of coverage: comprehensive, third party fire & theft, and third-party only.

The comprehensive package covers the widest range of incidents. This means you’re covered not only for liability for injury, death, and property damage to others but also for damage to your own car.

While third-party fire & theft and third-party only are more limited, they can still offer good protection depending on your needs.

Another great thing about them is their No Claim Discount (NCD), which rewards you for a claims-free record. They also offer additional discounts for drivers with no demerit points, off-peak car owners, and those who restrict other drivers from using their cars.

A potential drawback could be the extra time needed to gather quotes if you prefer a more direct approach.

Pros

  • Access to special schemes
  • 20% reduction in insurance costs
  • Provides comprehensive coverage
  • No Claim Discount (NCD)

Cons

  • Could take extra time to gather quotes

Impressive promptness and reliability
“I have been using their services for the past couple of years. They have been really prompt in reminding me (through email, watsapp, phone call) when to renew my car insurance, and then just taking a very short time to process the final payment (even when this process happens during the festive holiday period). The rates they charge have also been very reasonable. Would definitely recommend their services.”

Dex Wah, Google Review

 Balance of technology and personal touch
“This is my 10 years with InsureMyCar lead my Oliver. I would say they are consistent, professional, always eager to help and find solutions for customer. I do not need to worry about insurance due as they will proactively remind me and offer me the best quotes after comparsion. Who doesnt like this hassle free solution trusted provider. I”ll give them a thumb up. 👍 Well done team. Pls maintain this standard as always.”

PS Low, Google Review

5. Eazy Insurance Broker

eazy-insurance-broker

Services: Car Insurance, Business Insurance, Public Liability Insurance, Property Insurance, Work Injury Compensation Insurance, Marine INsurance, Cyber Insurance, Surety Bond Insurance, Landlord Insurance, SME Insurance, Health Insurance, Travel Insurance, Home Insurance, etc.

Location: 20 Anson Rd, #07-01 Twenty Anson

Contact: +65 6220 9266

Business hours:

  • Monday to Friday – 9:00 AM to 6:00 PM
  • Saturday to Sunday – Closed

Website

Google reviews score4.8/5
Yelp reviews score5/5
Total reviews4.9/5
Score consistency 4.9/5
Coverage options4.5/5
Excess and deductibles4.7/5
No-claim discount (NCD) Protection4.8/5
Claims process 4.6/5
Policy benefits and add-ons4.9/5
Network of authorized workshops4.8/5
Pricing and premiums (A higher score means better value)4.5/5

Eazy Insurance Broker makes sure you get the best coverage, no matter what type of vehicle you have. For standard cars, they offer three main types of insurance: Third Party Only (TPO), Third Party Fire & Theft (TPFT), and Comprehensive Coverage. 

Each of these provides varying degrees of protection. But that’s not all. If you have a commercial vehicle, supercar, or even an electric vehicle, Eazy has specialized insurance plans just for you. 

Their commercial vehicle insurance ensures your business keeps running smoothly, while their supercar insurance offers robust protection for high-performance vehicles.

Plus, their electric vehicle insurance is tailored specifically for all the unique needs of electric cars. One happy Tesla owner mentioned to us that he was thrilled to find coverage through this agency, as not every insurer offers plans for electric vehicles.

One little downside might be that with so many options, it can get a bit tricky to figure out exactly what you need. 

Pros

  • Offers three main types of car insurance 
  • Provides specialized plans
  • Tailored coverage for electric vehicles

Cons

  • Can be tricky to choose with so many options

Makes arranging car insurance a breeze
“I have been with Eazy for years. The Eazy team is really easy to work with. They listen to my motor insurance needs and offer sound advice in terms of which policy suits me best. Service is prompt and purchased can be done fully online and automated. It is quite the perfect balance of using technology yet, there is always someone to speak to when the need arises. When claims do arise, it is also a breeze with their with their door step reporting service in the event of an incident.”

Franklin Tang, Google Review

Hassle-free insurance solutions
“Breezy to arrange my car insurance with EAZY Pte Ltd. Quote is reasonable and I get options to choose on. Payment is breezy, by Paynow and tadahh, they do the rest ! Impressed with their reliability! Thank u to boss Douglas for your recommendation for my car insurance!”

Lin Eileen, Google Review