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As a car sharing driver in Singapore, you need to understand what sort of insurance coverage the car sharing company provides you with and whether you're truly protected.
Category: Miscellaneous Advice
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Car owners are likely to know what their car insurance covers as their policy is purchased and tailored to their requirements. But as a car sharing driver, are you aware of your car insurance provided? Fret not. Here is a summary of insurance coverage offered by car sharing providers in Singapore.
Before you continue, check out our Ultimate Guide to Car Insurance in Singapore if you are clueless about car insurance.
Or if you happened to stumble upon this article looking for a comparison of car sharing prices, we've done an article on that too!
BlueSG


There is unlimited coverage for death/bodily injury to any person in a single accident. Furthermore, users can claim up to $5,000,000 per claim/a series of claims resulting from one instance of damage to property due to the accident. And if required, medical expenses up to $1,000 is covered for the driver and each person per accident.
Unlike most car sharing services, BlueSG covers personal accident insurance for the driver and each passenger for up to $50,000. However, a downside is that it only covers passengers aged 16 - 65 years of age at the time of injury. Lastly, there is no coverage for any damages or loss to the driver's property during the usage of BlueSG services.
The table below is the excess payable in the event of an accident:
Own damage excess payable (refers to damage caused to a BlueSG car)
Standard Excess | Young Drivers' Excess | Inexperience Drivers' Excess |
$2,000 (Members aged 27 years+ and a valid driving license for more than 2 years) |
$5,000 (Members who are below 27-years old) |
$5,000 (Members with a valid driving license for less than 2 years, regardless of age) |
Third-party excess payable (refers to claims paid or to be paid by any BlueSG/BlueSG insurer to third parties for personal injury, property damage or otherwise)
Standard Excess | Young Drivers' Excess | Inexperience Drivers' Excess |
$2,000 (Members aged 27 years+ and a valid driving license for more than 2 years) |
$5,000 (Members who are below 27-years old) |
$5,000 (Members with a valid driving license for less than 2 years, regardless of age) |
Tribecar


The first additional coverage plan offered by Tribecar is the Personal Accident Insurance (PAI), which covers the hirer and authorised drivers up to 68-years old.
The other additional coverage plan offered is the Collision Damage Waiver (CDW), which reduces the insurance excess for both own damage and third-party damage by 50% in the event of an accident. However, CDW is only applicable to selected vehicles under the economy car/MPV category. The cost of the CDW is 6% - 10% of the total rental fee, depending on the vehicle type.
Own damage excess
Location | 1,000 - 2,500cc | Above 2,500cc | Premium Sedan/SUV | 1,000 - 2,500cc (New Driver) |
Singapore (Without CDW) | $3,210 | $3,745 | $4,815 | $5,350 |
Singapore (With CDW) | $1,605 | $1,872 | $3,745 | $4,280 |
Malaysia (Without CDW) | $6,420 | $7,490 | No Coverage | $5,350 |
Malaysia (With CDW) | $3,210 | $3,745 | No Coverage | Not Available |
Third-party excess
Location | 1,000 - 2,500cc | Above 2,500cc | Premium Sedan/SUV | 1,000 - 2,500cc (New Driver) |
Singapore (Without CDW) | $3,210 | $3,745 | $4,815 | $5,350 |
Singapore (With CDW) | $1,605 | $1,872 | $3,745 | $4,280 |
Malaysia (Without CDW) | $6,420 | $7,490 | No Coverage | $5,350 |
Malaysia (With CDW) | $3,210 | $3,745 | No Coverage | Not Available |
Own damage excess (super economy category 1,000cc - 2,500cc)
Location | Regular Driver | New Driver | Unnamed Driver |
Singapore (Without CDW) | $3,210 | Not Available | No Coverage |
Singapore (With CDW) | $3,210 | Not Available | No Coverage |
Malaysia (Without CDW) | $6,420 | Not Available | No Coverage |
Malaysia (With CDW) | $6,420 | Not Available | No Coverage |
Third-party excess (super economy category)
Location | 1,000 - 2,500cc | Above 2,500cc | Premium Sedan/SUV |
Singapore (Without CDW) | $3,210 | Not Available | No Coverage |
Singapore (With CDW) | $1,016.50 | Not Available | No Coverage |
Malaysia (Without CDW) | $6,420 | Not Available | No Coverage |
Malaysia (With CDW) | $1,926 | Not Available | No Coverage |