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How We Offer Some Of The Best Car Insurance in Singapore

Get 25% cheaper car insurance! Aside from some of the cheapest car and motor insurance plans available in Singapore, our service also come with a range of benefits:

Best Price, Always

We only work with the top motor insurers.

Fast 1 day processing

1 work day processing is all you need to get your vehicle covered.

NCD Discount

Enjoy NCD Discount if you have not made any claims. You can even get a NCD protector to protect your NCD!

Free Excess Waiver

We absorb the excess fee if you did not visit an appointed workshop under your insurer.

Flexible Payment Methods

Pay by credit card or installments, whatever works best for you.

Claim and Refund Support

We'll be there for you from lodging a claim, adding a new driver or transferring your insurance policy.
Get Quotes Now!

Coverage types to look out for in a car insurance plan

Third party
For those who just want the bare legal minimum to start driving, this covers injury, death and damage to others and their property. However, damage to your own car isn’t covered.
Third party, fire and theft
As the name suggests, this includes everything from Third Party insurance, but you also get the benefit of coverage in the event of a fire or theft of your car.
Comprehensive
Repairs and part replacements to your car caused by accident damage are covered, on top of medical expenses incurred from injury. Prior benefits from Third Party, Fire and Theft are also included. Depending on your provider, services such as towing may also be thrown in.

Buy The Best Car Insurance Plans Online With Sgcarmart (Singapore)

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. Compare car insurance plans available in Singapore from the comfort of your own home.

When you fill in our online quotation form, you'll receive a response from our professional insurance brokers within 1 business day. This will contain the 3 best value quotes on the market based on the information within form submitted.

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.

Car Insurance FAQs

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.


An insurance company considers many things when calculating an insurance premium. Most premiums are based on basic third-party cover with the cost of extras added on. The main thing that will determine the cost of your car insurance is what you actually want to be covered for when you’re driving on Singapore roads.


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. View sgCarMart’s full list of partner workshops.


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.


Insurers offer three main types of motor insurance policies. Optional benefits are available to meet your individual needs.


Learn More
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Car Insurance Glossary

Here are some Car Insurance terms for you.

The cost associated with the type of your car insurance plan – ranging from Third Party to Comprehensive – and can span from any specified period up to 1 year.
What you have to make in an incident where injury is involved or when the other party refuses a private settlement.
What you have to pay when making a claim, but only when you’re at fault. If your claim is $3,000 and your excess is $500, you’ll only fork out that $500 while your insurer pays the other $2,500.
A reward percentage off your premium if you’ve not made any claims from the year prior. With every year, NCD increases by 10% and this can accumulate up to 50%.
Workshops approved by your insurer to perform repairs, if your plan has such a restriction in the event of damage incurred. If you have a preferred workshop or just want to get your car fixed at the nearest place, seek a plan that allows it. However, these may demand higher premiums.

For more information buying insurance, types of cars and recommended repair workshops, read our blog here.
Still thinking About Your Car Insurance Renewal?
Fill in your details and receive a free non-obligatory call with a car insurance specialist who will assist you in any car insurance related questions and providing you with a quote!
If you have any questions about this service, feel free to fill in an online enquiry form.

Buy Car Insurance Online With Sgcarmart

Our dedicated team is on a mission to provide an effortless, streamlined process for obtaining car insurance. We provide a centralised service, which keeps your car insurance experience in Singapore as convenient and easy as possible. When you obtain an instant car insurance quote with us and pick a new plan from our suggestions, our service is more than just a once-off deal: we will contact you 3 months before your current car insurance plan expires and we will provide you with a comparison for your next car insurance deal!