Motor Insurance

Our AutoExcel and AutoSafe motor insurance plans ensure your motoring needs are met smoothly and safely. Drive with confidence and let us safeguard you and your vehicle.

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Commercial Motor Insurance
Motor Excesss Protector

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Commercial Motor Insurance
Motor Excesss Protector

About Motor Insurance

Motor insurance provides coverage for your personal vehicle in the event of an accident, theft, fire, or damage caused by unforeseen events in Singapore. It ensures financial protection for your car – whether you’re commuting to work or taking a weekend drive, peace of mind on the road begins with reliable insurance coverage with NCD protection.

Key Benefits for Private Motor Insurance

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Free No Claim Discount – NCD Protection

Exclusively for our policyholders – Enjoy free NCD Protection benefit with 10% NCD and above.

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Waiver of excess on accident claims

Enjoy waiver of excess for own damage claims at any authorized workshops.

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Loyalty discount

Renew your motor insurance with us and receive up to 10% discount.
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Complimentary windscreen benefit

We will repair or replace your damaged windscreen and windows including the in-vehicle unit or on-board unit.

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Optional add-on coverage available

Choose to enhance your coverage with our Loss of Use or Protection Package Benefit.
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24/7 FLASH Services

Contact FLASH hotline @ +65 6100 1620 and a FLASH Field Response Officer will arrive at the accident scene to assist you.

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English Brochure
中文产品手册
Proposal Form
Policy Wordings
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Protected up to specified limits by SDIC.

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Useful Tips

Driving a motor vehicle without a valid motor insurance plan to cover third-party physical harm is against the law in Singapore. Having a motor insurance plan in place not only protects you against third-party liability, it also reimburses you if you accidentally cause damage to your own car or someone else’s property.
  1. The premium payable and excess applicable
  2. Unnamed drivers (including young and inexperienced) excess
  3. The types of coverages (Comprehensive/Third Party/Third Party Fire and Theft)
  4. Driver restrictions (if any)
  5. Workshop restrictions
  6. List of approved repair workshops
  7. Non-standard exclusions
  8. Accident reporting and claims filing procedures
  9. Cancellation and refund policy
Most motor insurance providers in Singapore use a “risk factor rating system” when calculating your policy’s premium. The premium is calculated based on these factors:
  1. Profile of the vehicle
  2. Profile of the driver(s)
  3. Usage of vehicle
  4. Type of cover required
  5. History of claims
  6. No Claim Discount entitlement

To better assess your risk and set an appropriate premium, the motor insurance provider will need some basic information:

  1. Your age
  2. Usage of your vehicle
  3. Make, model and year of make/registration of your vehicle
  4. Any other person(s) driving the vehicle beside you
  5. Recent motor accident claims (if any) including all vehicles owned or driven by you in the last 3 years.
  6. NCD entitlement
  7. Has the vehicle been modified? Please provide details of modifications
  8. Years of Driving experience in Singapore
  9. Existing medical conditions or physical impairment that may affect the driving of car (if any)

Yes, you can enhance your motor insurance coverage in Singapore by including a range of valuable add-ons at a small additional premium. Beyond standard features like NCD protection and loyalty rewards, China Taiping Singapore offers optional benefits designed to provide greater peace of mind and convenience:

  • Loss of Use Benefit
    If your vehicle is undergoing r repairs at the workshop, we’ll help ease your transport inconvenience.

    We have 4 options for you:
    • S$50 per day, up to 5 days
    • S$50 per day, up to 10 days
    • S$100 per day, up to 5 days
    • S$100 per day, up to 10 days

    This cash benefit helps cover your daily transport expenses while your vehicle is out of action, so you can stay on the move with less hassle.
  • Protection Package
    • Total Loss Protection: If your vehicle is deemed beyond economical repair, we’ll arrange for repairs instead of writing it off unless the Land Transport Authority (LTA) confirms the car is no longer safe to drive.
    • Loan Protector: In the unfortunate event of your passing due to a traffic accident, we’ll pay off your outstanding vehicle loan of up to S$50,000.
    • Emergency Evacuation Support: If you frequently drive into West Malaysia, you’ll be covered for emergency evacuation expenses.
    • Enhanced Personal Accident Coverage: Increase your personal accident coverage from S$20,000 to S$50,000 for added financial protection.

These optional benefits give your motor insurance plan in Singapore a stronger layer of protection tailored to your lifestyle and driving needs.

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