Useful Info

  • Stay calm
  • If someone is injured, call the police and ambulance immediately.
  • Take down the number plates, names, NRIC numbers, addresses and telephone numbers of the all the parties involved.
  • Take photos of the accident scene.
  • If possible, move the vehicles to the road side so as not to obstruct the traffic
  • Police report should be made within 24 hours if:
    • Accident involving injury (Do not remove the vehicle unless necessary. Example, evacuating of the injured)
    • Hit and Run
    • Government vehicles or foreign vehicles.

There are three main types of motor insurance policies in Singapore. Optional benefits are available to meet your individual needs.

Comprehensive Cover

The most complete cover for car insurance. Covers the insured’s liabilities; bodily injury, death and property damage to third-parties (including passengers). It also covers damage to the insured’s own car (own damage).

Third Party, Fire and Theft Cover

Cover injury and damage caused by your vehicle to someone else’s vehicle or property, it also covers your vehicle against loss or damage caused directly by theft or fire only.

Third Party Cover

Covers death or bodily injuries to third-parties and/or passengers; and damage to third-party’s property.

NCD stands for No Claim Discount. It is a discount in percentage of premium extended to the car owners who have not making any claim during the period of insured upon policy renewal. NCD is transferable among all motor insurers in Singapore.

NCD Protector

If you have accumulated 50% NCD,  insurers may allow you to buy protection against the loss of your discount by paying a small amount of premium. The table below shows the structure of the NCD protection. You can only make one claim during the year for the discount to be fully protected.

Claims during insured period NCD upon renewal
1 50%
2 20%
3 or more Nil

The Motor Claims Framework (MCF) is an industry initiative supported by all insurers in Singapore for vehicle accident claims. It provide best practice for  clear  and common procedures in the event of accident.

In the case of an accident:

  • Exchange particulars involving the parties (Name, NRIC, Vehicle number, Contact number , address and Insurer)
  • Take pictures related to the accident (Scene, own vehicle and other vehicle’s damage including license plates) and submit to your authorised accident reporting centre of your insurer.
  • Call your insurer for tow truck or further advise. Avoid unauthorised tow-truck operators or repair workshops.
  • Report and bring your vehicle to the insurers authorised workshop within the next 24 hours or by the next working day.

Remember to report all accidents to your insurer during the stipulated time frame no matter how trivial the damage or even if you are not claiming or have made a private settlement with the other party. This is because you cannot guarantee that the other party will not file a claim against you later.

Failure to report the accident to your insurer will be seen as being “in breach” of policy terms and conditions. There will be no liability on the part of the insurer. Do not make yourself in a position having the possibilities of your claims prejudiced or declined later.