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Many insurance companies will claim to have the number one deal for you, but if you do not compare various car insurance plans in the Singapore market, it can be hard to be completely sure.
Motor insurance is a saturated market in Singapore, which makes it daunting when searching for an insurance plan that reflects your needs and is what you are comfortable with purchasing. Sgcarmart streamlines the process by providing a central point of comparison for your convenience. Before you buy, compare car insurance plans available in Singapore from the comfort of your own home. Comparing car insurance prices online enables you to make a more informed decision.
When you fill in our online quotation form, you'll receive a response from our professional insurance brokers within 1-3 business days with motor insurance quotes for you to compare.
When you come to us, you can count on a personalised approach towards acquiring the best car or motor insurance for you in Singapore. Our specialists are determined to find more than just the cheapest car or auto insurance in Singapore, but the deal that best reflects your specific requirements. Every driver and every car is different, so we take all variables into account to discover the ideal arrangement for you.
Consider searching for and renewing your car insurance tentatively 1 month in advance so that you have ample time to also renew your Road Tax and car inspection if you need to.
There are many contributing factors to the cause of your car insurance premium, such as:
Insurance is based on the concept of pooling of risks. If the overall claims experience is bad, premiums will be increased across the board for all motorists irrespective of whether a claim is made or not. However, the premium increase borne by those with a clean driving record will be lower than those with accident claims because the latter will have an additional loading on the claim and thereby pay even more
In Singapore, there are two types of motor insurance schemes. Authorised Workshop or Any Workshop. It is easy to understand that the authorised workshop scheme has lower premiums because the insurer has control of the repair cost. Most of the motor cars are covered under authorised scheme in Singapore. People usually opt for any workshop scheme because they have super model cars which can only be fixed in designated workshops. Which one is more recommended?
A) View Sgcarmart's full list of partner workshops.
B) View Sgcarmart's list of partner workshops for AIG, Allianz, Etiqa, ERGO
The premium for your motor insurance policy is calculated using certain risk factors such as vehicle model, capacity, driver's age among other factors. Market value of the vehicle is not a direct risk factor as it does not influence the claims received from third parties for property damage and injuries. Further, the repair costs for motor vehicles has increased over the years. Hence, there is a need to increase the premium to ensure a sustainable business.
Here are some Car Insurance terms for you.