Income Drivo Car Insurance Review: Sturdy Plan with Comprehensive Benefits

Whether you're a first-time driver or a seasoned motorist looking to switch plans, Drivo car insurance by NTUC Income delivers a compelling mix of value, service, and flexibility. With full coverage across accidents, theft, third-party damage and medical expenses — plus standout features like unlimited windscreen repairs and Orange Force assistance — it’s easy to see why it remains one of the more popular options in car insurance Singapore. You can also choose between Classic and Premium plans, depending on whether you prefer cost savings or workshop freedom.

>> MORE: How to get car insurance in Singapore

As one of Singapore’s most established insurers, NTUC Income enjoys a reputation for reliability and comprehensive protection. Its Drivo car insurance plan is no exception — offering robust coverage paired with value-added services.

Where Drivo stands out is in the details. Features like Orange Force (an on-site accident response team), unlimited windscreen cover at just S$100 excess, and customisable add-ons give drivers flexibility and confidence. Importantly, the three-tiered structure (Classic, Advantage, Premium) means Drivo caters to different driving needs — from budget-conscious users to those who value workshop freedom.

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#1: Full coverage for vehicle, driver, and third parties

Drivo offers extensive protection whether you're behind the wheel or someone else is. It covers:

• Loss or damage to your vehicle based on market value

• Up to S$50,000 personal accident cover for the driver

• Up to S$1,000 in medical expenses

• Unlimited coverage for third-party death or injury

• Up to S$5 million for third-party property damage

This all-in-one coverage ensures you're financially protected across the most common accident scenarios.

#2: Unlimited windscreen repairs with low excess

Windshield damage is common on Singapore roads, especially with heavy traffic and construction zones. Drivo's policy includes unlimited windscreen repairs, with just a S$100 excess per claim. That means you won't hesitate to get that crack fixed before it spreads.

#3: Flexibility to choose your preferred workshop

Depending on your plan:

• Classic: You must use NTUC Income-approved workshops.

• Premium: You’re free to choose any workshop, including the dealer’s service centre.

This flexibility can be a game-changer for car owners who trust specific workshops or require authorised repairs to maintain their warranty.

#4: Optional add-ons for customisation

One of the standout benefits of the Income Drivo car insurance plan is its flexibility — and this is where optional add-ons come into play. These customisable features allow drivers to tailor their policy to better fit their risk appetite, driving habits, and financial preferences. 

For example, the No Claim Discount (NCD) Protector is a smart upgrade for safe drivers. It allows you to make one claim without affecting your hard-earned NCD, which can otherwise take years to rebuild. 

Another helpful option is the Daily Transport Allowance, which provides a daily payout to cover your transport costs — such as taxis or public transport — while your car is undergoing repairs. If you're someone who relies heavily on your car for work or family responsibilities, this can be a significant convenience. 

Keep in mind, these add-ons aren’t automatically included in every plan but can be selected based on your needs.

>> MORE: Which car insurance add-ons are worth spending on

#5: 24/7 roadside & medical assistance

Income Drivo includes round-the-clock roadside and medical assistance, offering help when you need it most. Drivo’s helpline can dispatch towing services or provide access to medical referrals. 

This always-available assistance is particularly valuable for drivers who travel frequently, drive long distances, or have less experience on the road. The availability of this support also offers peace of mind to families and working professionals, especially when driving with passengers. 

>> MORE: A guide to car insurance for new drivers

#6: Orange Force accident assistance

Orange Force accident assistance is a rare feature that removes a significant amount of post-accident stress, giving drivers a greater sense of security on Singapore roads.

In the event of an accident, NTUC Income deploys Orange Force riders to the scene. These professionals are equipped to provide immediate, practical help — including on-the-spot guidance, arranging towing services, and helping with documentation. Having someone physically present to offer support and reassurance not only speeds up the reporting process but also helps ensure that important steps aren’t missed

As comprehensive as Drivo is, like all insurance policies, it comes with exclusions. Understanding these upfront helps prevent surprises during claim time.

You won’t be covered for:

• Unauthorised use, like driving without a valid licence

• Illegal acts, including drink driving

• Commercial or private-hire use, such as Grab or Gojek

• Wear and tear or mechanical failure

• Indirect loss, such as the inconvenience of losing your car temporarily

Always read the full policy wording to understand what’s not included. When in doubt, ask for clarification before signing up.

>> MORE: How much car insurance do I need in Singapore?

Drivo is a strong all-rounder, ideal for most private car owners in Singapore who want dependable coverage with flexibility.

Consider Drivo if you are:

• A first-time car owner seeking straightforward protection

• A family driver who values added medical benefits and towing support

• A budget-conscious motorist who wants decent coverage with optional add-ons

• A workshop-loyal driver who prefers the Premium tier’s flexibility

If you're looking for a plan with robust features that can be customised as your needs change — Drivo is well worth a look. Get your quote today and experience protection designed for real-world driving in Singapore.

NTUC Income offers three Drivo tiers — Classic, Advantage, and Premium — with varying levels of flexibility and coverage.

Here’s how they compare:

Car insurance premiums in Singapore are influenced by a range of factors — including age, driving history, marital status, and your NCD. More experienced drivers with a clean record typically enjoy lower premiums.

We ran a quote based on a 35-year-old married male, with five years of driving experience, no prior claims, and a 50% NCD, insuring a Toyota Corolla Altis. Here’s what we found:

• Drivo Classic: S$1,142.67 (S$104.09 per month)

• Drivo Premium: S$1,640.32 (S$149.12 per month)

These premiums reflect the benefits of a safer driver profile and a popular, reliable car model. However, they’re only an estimate. To get an accurate quote, please contact Drivo directly.

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Receive up to 420,000^ STAR$®[1] (worth up to $420 eCapitaVouchers) when you insure your car with DRIVO Car Insurance and get exclusive access to Orange Force. 

This promotion is applicable for insured vehicles that meet the following criteria: 

• Applicable only to new Drivo Motor Insurance sign-ups.

• Insured vehicle is not more than 8 years old for Drivo Classic, Advantage and Premium Plan.

• Keyed in Promo Code "CAR25" during check-out.

• With a total payable premium stated in the table below (inclusive of GST & after any prevailing discount). 

Source: 2025 Income Insurance

*1,000 STAR$® = $1 eCapitaVouchers.

Step 1: Report the accident to Income by the end of the next working day

Call Income’s hotline or submit the report online at their website. Failing to report in time may affect your claim eligibility.

Step 2: Take damage and accident scene photos

Document the scene thoroughly — including all vehicles, licence plates, and surrounding area. This helps speed up claims.

Step 3: Get the other driver’s contact details

Exchange names, contact numbers, NRIC or FIN, and insurance details. Stay calm and cooperative during the process.

Step 4: Avoid moving the vehicle

Unless directed by the police or emergency services, leave your car in place for accident assessment. This preserves evidence.

Step 5: Submit claim report to Income

Use Income’s online claims portal or visit an authorised workshop to file the report. Include all necessary documents and images.

Step 6: Get your car fixed at any Income authorised workshop

Depending on your plan, proceed to an authorised or your preferred workshop. Coordinate with the insurer or Orange Force for tow assistance if needed.

>> MORE: A guide to roadside assistance

Income Insurance Hotline

• For motor insurance and accident claims: 6788 1777 (Monday - Friday: 9:00am - 6:00pm; Saturday, Sunday & public holidays: Closed)

West Malaysia: +603 2712 3187 (24-hours)

• Website: https://www.income.com.sg

• Accident assistance (Orange Force): 6789 5000

• Strong coverage for car damage, theft, third-party claims, and medical expenses

• Unlimited windscreen repairs with low S$100 excess

• Workshop flexibility if you choose the Premium tier

• Add-ons like NCD Protector and daily transport allowance available

• 24/7 Orange Force and roadside support included

• Attractive STAR$® rewards