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Learn more about your NCD

This table serves a guide for you to know your No-Claim-Discount (NCD). If you are uncertain of your exact NCD, please call your insurer to inquire.

Period of insurance with no claim	NCD Percentage
1 Year	10%
2 Years	20%
3 Years	30%
4 Years	40%
5 Years or longer	50%

We found {totalDisplayedPremiums} plan(s) from {totalDisplayedProviders} insurer(s) for you

FWD Comprehensive Car Insurance

Claim Excess
S$0 to S$2500 (adjustable)
Medical Expenses Coverage
S$1,000
Third-Party Liability
S$1million
Personal Accident Coverage
done S$30,000
Towing
Up to S$300
24hr Roadside Assistance
done Included
Choice of Workshop
done Authorised Workshop
Courtesy Car/Transport Allowance
S$40/day

Getting you the best pricing

Claim Excess
S$0 to S$2500 (adjustable)
Medical Expenses Coverage
S$3,000
Third-Party Liability
S$1million
Personal Accident Coverage
done S$50,000
Towing
Up to S$400
24hr Roadside Assistance
done Included
Choice of Workshop
done Authorised Workshop
Courtesy Car/Transport Allowance
Courtesy Car

Getting you the best pricing

Claim Excess
S$0 to S$2500 (adjustable)
Medical Expenses Coverage
S$5,000
Third Party Liability
S$1million
Personal Accident Coverage
done S$75,000
Towing
Up to S$500
24hr Roadside Assistance
done Included
Choice of Workshop
done Authorised Workshop
Courtesy Car/Transport Allowance
Courtesy Car

Getting you the best pricing

Plans

Classic

Executive

Prestige

Price

Add-ons not included in displayed price. Add them before checkout.

Getting you the best pricing

Claim Excess

S$0 to S$2500 (adjustable)

Choice of Workshop

done Authorised Workshop

Windscreen Coverage

done S$100

Additional Excess for Young Drivers

S$2,500 for drivers under 27

Flood Coverage

done Yes

Personal Accident Coverage

done S$30,000

done S$50,000

done S$75,000

Medical expenses coverage

S$1,000

S$3,000

S$5,000

Third Party Coverage

S$5,000,000

Disability Benefits

No limit

Death or Injury to Third Party

No limit

Third Party Property

S$5,000,000

Legal Expenses

S$3,000

Authority to Repair

done Yes

24hr Roadside Assistance

done Included

Towing

Up to S$300

Up to S$400

Up to S$500

Courtesy Car/Transport Allowance

S$40/day

Courtesy Car

Western Malaysia & Thailand Coverage

done Included (up to 80km from Malaysian border)

NCD Protector

add_task Available to add for S$70.89

add_task S$70.89

Monthly Installments

done 6/12 monthly installments

Excess Waiver for Named Drivers

done Yes

Coverage for Named Drivers

done Yes

Car Accessories

S$500

S$1,000

S$2,000

Replacement of Lost or Damaged Keys

S$500

S$1,000

Personal Belongings Coverage

S$1,000

Up to S$2,000

download Download policy wording

Questions relating to this insurance?

call +65 3138 2648

mail insurance_enquiry@singsaver.com.sg

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MSIG Comprehensive Car Insurance

Claim Excess
From S$500
Medical Expenses Coverage
S$1,000
Third Party Liability
Unlimited
Personal Accident Coverage
done S$20,000
Towing
Up to S$500
24 hour emergency hotline
done Included
Choice of Workshop
done Authorised Workshop
Courtesy Car/Transport Allowance
NA

Apply with us to enjoy the best rewards, prices, and offers, always. Found a better deal elsewhere? We’ll double the price difference and reward you!

Best Price Guarantee

Apply with us to enjoy the best rewards, prices, and offers, always. Found a better deal elsewhere? We’ll double the price difference and reward you!

Valid until 30 September 2025.

Get up to S$120 e-vouchers

Up to S$120 e-vouchers

Valid until 31 August 2025.

Get up to $70 via PayNow

Up to S$70 via PayNow

Valid until 30 September 2025.

Getting you the best pricing

Claim Excess
From S$500
Medical Expenses Coverage
S$1,000
Third Party Liability
Unlimited
Personal Accident Coverage
done S$100,000
Towing
Up to S$500
24 hour emergency hotline
done Included
Choice of Workshop
done Any Workshop
Courtesy Car/Transport Allowance
S$50/day

Best Price Guarantee

Apply with us to enjoy the best rewards, prices, and offers, always. Found a better deal elsewhere? We’ll double the price difference and reward you!

Valid until 30 September 2025.

Get up to S$120 e-vouchers

Up to S$120 e-vouchers

Valid until 31 August 2025.

Get up to $70 via PayNow

Up to S$70 via PayNow

Valid until 30 September 2025.

Getting you the best pricing

Plans

MotorMax

MotorMax Plus

Price

Add-ons not included in displayed price. Add them before checkout.

Getting you the best pricing

Claim Excess

From S$500

Choice of Workshop

done Authorised Workshop

done Any Workshop

Windscreen Coverage

done Yes

Additional Excess for Young Drivers

S$3,000 for drivers under 27

Flood Coverage

done Included

done Yes

Personal Accident Coverage

done S$20,000

done S$100,000

Medical expenses coverage

S$1,000

Third Party Coverage

S$5,000,000

Disability Benefits

S$50,000

Death or Injury to Third Party

S$50,000

Third Party Property

S$5,000,000

Legal Expenses

Authority to Repair

done Yes

24hr Roadside Assistance

done Included

Towing

Up to S$500

Courtesy Car/Transport Allowance

S$50/day

Western Malaysia & Thailand Coverage

done Included (up to 80km from Malaysian border)

NCD Protector

add_task Available to add on for S$68.75

add_task S$68.75

Monthly Installments

cancel NA

Excess Waiver for Named Drivers

cancel NA

Coverage for Named Drivers

cancel NA

Car Accessories

Replacement of Lost or Damaged Keys

Personal Belongings Coverage

download Download policy wording

Questions relating to this insurance?

call +65 3138 2648

mail insurance_enquiry@singsaver.com.sg

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Tiq by Etiqa Comprehensive Car Insurance

Claim Excess
From S$0
Medical Expenses Coverage
S$1,000
Third-Party Liability
Unlimited
Personal Accident Coverage
done S$50,000
Towing
Up to S$200
24hr Roadside Assistance
add_task Available to Add on
Choice of Workshop
done Authorised Workshop
Courtesy Car/Transport Allowance
S$50/day

Best Price Guarantee

Apply with us to enjoy the best rewards, prices, and offers, always. Found a better deal elsewhere? We’ll double the price difference and reward you!

Valid until 30 September 2025.

Get S$10 petrol vouchers

S$10 petrol voucher

Valid until 31 August 2025.

Getting you the best pricing

Plans

Comprehensive

Price

Add-ons not included in displayed price. Add them before checkout.

Getting you the best pricing

Claim Excess

From S$0

Choice of Workshop

done Authorised Workshop

Windscreen Coverage

done Yes

Additional Excess for Young Drivers

S$2,000 for young and inexperienced drivers

Flood Coverage

cancel No

Personal Accident Coverage

done S$50,000

Medical expenses coverage

S$1,000

Third Party Coverage

S$30,000

Disability Benefits

Death or Injury to Third Party

Third Party Property

Legal Expenses

S$2,000

Authority to Repair

done Yes

24hr Roadside Assistance

add_task Available to Add on

Towing

Up to S$200

Courtesy Car/Transport Allowance

S$50/day

Western Malaysia & Thailand Coverage

done Included (up to 80km from Malaysian border)

NCD Protector

add_task Available to Add on

Monthly Installments

cancel NA

Excess Waiver for Named Drivers

cancel NA

Coverage for Named Drivers

cancel NA

Car Accessories

Replacement of Lost or Damaged Keys

Personal Belongings Coverage

download Download policy wording

Questions relating to this insurance?

call +65 3138 2648

mail insurance_enquiry@singsaver.com.sg

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Singtel Comprehensive Car Insurance

Claim Excess
From S$600
Medical Expenses Coverage
Not covered
Third Party Liability
Unlimited
Personal Accident Coverage
cancel NA
Towing
Up to S$300
24 hour emergency hotline
done Included
Choice of Workshop
done Authorised Workshop
Courtesy Car/Transport Allowance
Excluded

Best Price Guarantee

Apply with us to enjoy the best rewards, prices, and offers, always. Found a better deal elsewhere? We’ll double the price difference and reward you!

Valid until 30 September 2025.

Get up to S$240 via PayNow

Up to S$240 via PayNow

Valid until 31 August 2025.

Getting you the best pricing

Claim Excess
From S$600
Medical Expenses Coverage
S$1,000
Third Party Liability
Unlimited
Personal Accident Coverage
done S$120,000
Towing
Up to S$300
24 hour emergency hotline
done Included
Choice of Workshop
done Authorised Workshop
Courtesy Car/Transport Allowance
Available as add on

Best Price Guarantee

Apply with us to enjoy the best rewards, prices, and offers, always. Found a better deal elsewhere? We’ll double the price difference and reward you!

Valid until 30 September 2025.

Get up to S$240 via PayNow

Up to S$240 via PayNow

Valid until 31 August 2025.

Getting you the best pricing

Claim Excess
From S$600
Medical Expenses Coverage
S$1,000
Third Party Liability
Unlimited
Personal Accident Coverage
done S$120,000
Towing
Up to S$300
24 hour emergency hotline
done Included
Choice of Workshop
done Any Workshop
Courtesy Car/Transport Allowance
Available as add on

Best Price Guarantee

Apply with us to enjoy the best rewards, prices, and offers, always. Found a better deal elsewhere? We’ll double the price difference and reward you!

Valid until 30 September 2025.

Get up to S$240 via PayNow

Up to S$240 via PayNow

Valid until 31 August 2025.

Getting you the best pricing

Plans

Car Protect Value

Car Protect Essential

Car Protect Premium

Price

Add-ons not included in displayed price. Add them before checkout.

Getting you the best pricing

Claim Excess

From S$600

Choice of Workshop

done Authorised Workshop

done Any Workshop

Windscreen Coverage

cancel No

done Yes

Additional Excess for Young Drivers

S$2,500 for drivers under 26

Flood Coverage

done Yes

Personal Accident Coverage

cancel NA

done S$120,000

Medical expenses coverage

Not covered

S$1,000

Third Party Coverage

S$5,000,000

Disability Benefits

No limit

Death or Injury to Third Party

No limit

Third Party Property

S$5,000,000

Legal Expenses

S$3,000

Authority to Repair

cancel No

done Yes

24hr Roadside Assistance

done Included

Towing

Up to S$300

Courtesy Car/Transport Allowance

Excluded

Available as add on

Western Malaysia & Thailand Coverage

done Included (up to 80km from Malaysian border)

NCD Protector

add_task Available to add on for S$65.53

Monthly Installments

cancel NA

Excess Waiver for Named Drivers

cancel NA

Coverage for Named Drivers

done Yes

Car Accessories

Included

Replacement of Lost or Damaged Keys

Included

Personal Belongings Coverage

download Download policy wording

Questions relating to this insurance?

call +65 3138 2648

mail insurance_enquiry@singsaver.com.sg

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HL Assurance Comprehensive Car Insurance

Claim Excess
From S$0
Medical Expenses Coverage
S$1,000
Third-Party Liability
Unlimited
Personal Accident Coverage
done S$20,000
Towing
Up to S$500
24hr Roadside Assistance
done Included
Choice of Workshop
done Any Workshop
Courtesy Car/Transport Allowance
S$50/day

Getting you the best pricing

Plans

Car Protect360

Price

Add-ons not included in displayed price. Add them before checkout.

Getting you the best pricing

Claim Excess

From S$0

Choice of Workshop

done Any Workshop

Windscreen Coverage

done Windscreen excess of S$100 waived if the repairs carried out at approved windscreen repairer

Additional Excess for Young Drivers

S$3,000 for drivers under 27

Flood Coverage

done Included

Personal Accident Coverage

done S$20,000

Medical expenses coverage

S$1,000

Third Party Coverage

S$5,000,000

Disability Benefits

Death or Injury to Third Party

Third Party Property

S$5,000,000

Legal Expenses

S$3,000

Authority to Repair

done Yes

24hr Roadside Assistance

done Included

Towing

Up to S$500

Courtesy Car/Transport Allowance

S$50/day

Western Malaysia & Thailand Coverage

done Included (up to 80km from Malaysian border)

NCD Protector

add_task Available to add on

Monthly Installments

cancel NA

Excess Waiver for Named Drivers

cancel NA

Coverage for Named Drivers

done Yes

Car Accessories

Replacement of Lost or Damaged Keys

Included

Personal Belongings Coverage

download Download policy wording

Questions relating to this insurance?

call +65 3138 2648

mail insurance_enquiry@singsaver.com.sg

vertical_align_top

Singlife Comprehensive Car Insurance

Claim Excess
From S$300
Medical Expenses Coverage
S$500
Third Party Liability
Unlimited
Personal Accident Coverage
cancel NA
Towing
Unlimited
24hr Roadside Assistance
cancel Not covered
Choice of Workshop
done Authorised Workshop
Courtesy Car/Transport Allowance
Available as add on

Best Price Guarantee

Apply with us to enjoy the best rewards, prices, and offers, always. Found a better deal elsewhere? We’ll double the price difference and reward you!

Valid until 30 September 2025.

S$60 Cash via PayNow, with minimum spend

Get S$60 via PayNow

S$60 Cash via PayNow, with minimum spend

Valid until 31 August 2025.

Getting you the best pricing

Claim Excess
From S$300
Medical Expenses Coverage
S$2,500
Third Party Liability
Unlimited
Personal Accident Coverage
done S$50,000
Towing
Unlimited
24hr Roadside Assistance
done Included
Choice of Workshop
done Any Workshop
Courtesy Car/Transport Allowance
Available as add on

Best Price Guarantee

Apply with us to enjoy the best rewards, prices, and offers, always. Found a better deal elsewhere? We’ll double the price difference and reward you!

Valid until 30 September 2025.

Get S$60 via PayNow

S$60 Cash via PayNow, with minimum spend

Valid until 31 August 2025.

Getting you the best pricing

Claim Excess
From S$300
Medical Expenses Coverage
S$5,000
Third Party Liability
Unlimited
Personal Accident Coverage
done S$100,000
Towing
Unlimited
24hr Roadside Assistance
done Included
Choice of Workshop
done Any Workshop
Courtesy Car/Transport Allowance
S$80/day

Best Price Guarantee

Apply with us to enjoy the best rewards, prices, and offers, always. Found a better deal elsewhere? We’ll double the price difference and reward you!

Valid until 30 September 2025.

Get S$60 via PayNow

S$60 Cash via PayNow, with minimum spend

Valid until 31 August 2025.

Getting you the best pricing

Plans

Motor Lite

Motor Standard

Motor Prestige

Price

Add-ons not included in displayed price. Add them before checkout.

Getting you the best pricing

Claim Excess

From S$300

Choice of Workshop

done Authorised Workshop

done Any Workshop

Windscreen Coverage

done Yes

Additional Excess for Young Drivers

S$2,500 for drivers under 24

S$0 for young and inexperienced drivers

Flood Coverage

cancel No

Personal Accident Coverage

cancel NA

done S$50,000

done S$100,000

Medical expenses coverage

S$500

S$2,500

S$5,000

Third Party Coverage

S$5,000,000

Disability Benefits

S$100,000

Death or Injury to Third Party

S$100,000

Third Party Property

S$5,000,000

Legal Expenses

No Limit

Authority to Repair

cancel No

done Yes

24hr Roadside Assistance

cancel Not covered

done Included

Towing

Unlimited

Courtesy Car/Transport Allowance

Available as add on

S$80/day

Western Malaysia & Thailand Coverage

done Included (up to 80km from Malaysian border)

NCD Protector

add_task Available to add on for S$60.74

Monthly Installments

done 6/12 monthly installments

Excess Waiver for Named Drivers

cancel NA

Coverage for Named Drivers

done Yes

Car Accessories

S$500

Replacement of Lost or Damaged Keys

S$1,000

S$3,000

Personal Belongings Coverage

Up to S$1,000

Up to S$3,000

download Download policy wording

Questions relating to this insurance?

call +65 3138 2648

mail insurance_enquiry@singsaver.com.sg

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ECICS Comprehensive Car Insurance

Claim Excess
From S$750
Personal Accident Coverage
done S$50,000
Towing
Covered
24hr Roadside Assistance
add_task Available as Add-On
Choice of Workshop
done Authorised Workshop
Courtesy Car/Transport Allowance
Available as add on

Tesla Fractional Shares

Up to S$50 worth of Tesla Fractional Shares

Valid until 31 December 2025.

Get S$80 petrol voucher, with minimum spend

Get S$80 petrol vouchers

Get S$80 petrol voucher, with minimum spend

Valid until 31 August 2025.

Getting you the best pricing

Plans

Price

Add-ons not included in displayed price. Add them before checkout.

Getting you the best pricing

Claim Excess

From S$750

Choice of Workshop

done Authorised Workshop

Windscreen Coverage

done Yes

Additional Excess for Young Drivers

Flood Coverage

Personal Accident Coverage

done S$50,000

Medical expenses coverage

Third Party Coverage

Disability Benefits

Death or Injury to Third Party

Third Party Property

Legal Expenses

Authority to Repair

24hr Roadside Assistance

add_task Available as Add-On

Towing

Covered

Courtesy Car/Transport Allowance

Available as add on

Western Malaysia & Thailand Coverage

NCD Protector

Monthly Installments

Excess Waiver for Named Drivers

Coverage for Named Drivers

Car Accessories

Replacement of Lost or Damaged Keys

Personal Belongings Coverage

download Download policy wording

Questions relating to this insurance?

call +65 3138 2648

mail insurance_enquiry@singsaver.com.sg

vertical_align_top

Direct Asia Comprehensive Car Insurance

Claim Excess
From S$0
Medical Expenses Coverage
S$1,000
Third-Party Liability
Unlimited
Personal Accident Coverage
done Available as add-on
Towing
Up to S$200
24hr Roadside Assistance
done Available as add-on
Choice of Workshop
done Authorised Workshop
Courtesy Car/Transport Allowance
Available as add-on

Best Price Guarantee

Apply with us to enjoy the best rewards, prices, and offers, always. Found a better deal elsewhere? We’ll double the price difference and reward you!

Valid until 30 September 2025.

Get S$35 via PayNow

Get S$35 via PayNow, with minimum spend

Valid until 31 August 2025.

Getting you the best pricing

Plans

Car Protect360

Price

Add-ons not included in displayed price. Add them before checkout.

Getting you the best pricing

Claim Excess

From S$0

Choice of Workshop

done Authorised Workshop

Windscreen Coverage

cancel Yes

Additional Excess for Young Drivers

S$3,000 for drivers under 27

Flood Coverage

done Included

Personal Accident Coverage

done Available as add-on

Medical expenses coverage

S$1,000

Third Party Coverage

S$5,000,000

Disability Benefits

Death or Injury to Third Party

Third Party Property

S$5,000,000

Legal Expenses

S$3,000

Authority to Repair

done Yes

24hr Roadside Assistance

done Available as add-on

Towing

Up to S$200

Courtesy Car/Transport Allowance

Available as add-on

Western Malaysia & Thailand Coverage

done Included (up to 80km from Malaysian border)

NCD Protector

add_task Available to add on

Monthly Installments

cancel NA

Excess Waiver for Named Drivers

cancel NA

Coverage for Named Drivers

done Yes

Car Accessories

Replacement of Lost or Damaged Keys

Included

Personal Belongings Coverage

download Download policy wording

Questions relating to this insurance?

call +65 3138 2648

mail insurance_enquiry@singsaver.com.sg

vertical_align_top

Plans

Placeholder

Price

Add-ons not included in displayed price. Add them before checkout.

Getting you the best pricing

Claim Excess

Placeholder

Choice of Workshop

Placeholder

Windscreen Coverage

Placeholder

Additional Excess for Young Drivers

Placeholder

Flood Coverage

Placeholder

Personal Accident Coverage

Placeholder

Medical expenses coverage

Placeholder

Third Party Coverage

Placeholder

Disability Benefits

Placeholder

Death or Injury to Third Party

Placeholder

Third Party Property

Placeholder

Legal Expenses

Placeholder

Authority to Repair

Placeholder

24hr Roadside Assistance

Placeholder

Towing

Placeholder

Courtesy Car/Transport Allowance

Placeholder

Western Malaysia & Thailand Coverage

Placeholder

NCD Protector

Placeholder

Monthly Installments

Placeholder

Excess Waiver for Named Drivers

Placeholder

Coverage for Named Drivers

Placeholder

Car Accessories

Placeholder

Replacement of Lost or Damaged Keys

Placeholder

Personal Belongings Coverage

Placeholder

Policy Wording

download

Questions relating to this insurance?

call +65 3138 2648

mail insurance_enquiry@singsaver.com.sg

vertical_align_top

Update your car details

Update your coverage choice

Share your driving info

FWD Comprehensive Car Insurance

MSIG Comprehensive Car Insurance

Tiq by Etiqa Comprehensive Car Insurance

Singtel Comprehensive Car Insurance

HL Assurance Comprehensive Car Insurance

Singlife Comprehensive Car Insurance

ECICS Comprehensive Car Insurance

Direct Asia Comprehensive Car Insurance

Update your car details

Update your coverage choice

Share your driving info

About NCD

FWD Comprehensive Car Insurance

Full Policy Details

MSIG Comprehensive Car Insurance

Full Policy Details

Tiq by Etiqa Comprehensive Car Insurance

Full Policy Details

Singtel Comprehensive Car Insurance

Full Policy Details

HL Assurance Comprehensive Car Insurance

Full Policy Details

Singlife Comprehensive Car Insurance

Full Policy Details

ECICS Comprehensive Car Insurance

Full Policy Details

Direct Asia Comprehensive Car Insurance

Full Policy Details

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