1. Budget Direct Insurance
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Singapore's Cheapest^ Comprehensive Car Insurance, according to consumer study

^Based on an independent consumer research study. Comparison based on each insurer's base plan with no add-ons. Coverage features may differ. More details here.
Singapore's Cheapest^ Comprehensive Car Insurance, according to consumer study
^Based on an independent consumer research study. Comparison based on each insurer's base plan with no add-ons. Coverage features may differ.
More details here.
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Get a Quote Using Your SingPass

It's quick and easy to retrieve your car and personal details with MyInfo.

Or use the form below

MAIN DRIVER / VEHICLE DETAILS
  • Please call us at 6221 2111, Mondays to Fridays, 8am to 8pm and Saturdays, 9am to 3pm (excluding public holidays) for our team to personally help you.
I'm looking for a
Comprehensive Third Party Fire and Theft Third Party Only
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More Reasons Why It Pays to Choose Budget Direct Insurance

cheap and good

Cheap and Good

We offer the cheapest^ Comprehensive Car Insurance in Singapore! Learn more about our philosophy of delivering quality insurance at affordable prices.

here 24/7

We’re here for you 24/7

Our after-hours emergency line means you can call us any time. We’ll be there for you when you need us. You can count on us.

money back guarantee

No Agent Commission

Pay less when you buy direct. No middleman or agency fees means you make a big saving.
Find out more »

^Actual premiums may vary based on various factors. For more details on the study, visit valuechampion.com/budget-direct-car-insurance-review.

Checklist to getting a quick Car Insurance Quote:

Get a quote using your SingPass with MyInfo. Otherwise, you may also fill out your personal and vehicle details manually.
Find out the No Claim Discount (NCD) you’re entitled to.
Be ready with details on your driving history (years of experience and claims history, if any).
Be prepared with details on additional driver(s), such as their particulars and claims history, if any.

Tip: If you don’t have all the information on hand, don’t worry you can still get started on your quote. You can save it at any time and come back to it later. Remember that any mis-declaration may void your car insurance!


Driver Plans

Choose between two Driver Plans to make sure you’re paying only for what you need.

  • Authorised Driver Plan. Main Driver and anyone else you authorise. No need to name them on your policy unless they are your household members.
  • Named Driver Plan. Main Driver and anyone else who is named on the policy.

Vehicle Usage

We ask details about how you use your car so that you pay only for what you need. You have 3 options to choose from.

  1. Private and Commuting Use
  2. Private and Occasional Business Use
  3. Private and Business Use

Make an even bigger saving if you drive an Off-Peak Car.

Compare Our Car Insurance Policies

Compare the benefits, features, claim limits and optional extras of our different levels of car

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What We Cover

Comprehensive Car Insurance

Comprehensive

Highest level of cover for greatest peace of mind. Covers your liability for damage or injury/death caused to others and their property. Covers loss of or damage to your car by fire, natural disasters, vandals, theft or accident.

Third Party Fire and Theft Car Insurance

Third Party Fire and Theft

An “in-between” plan. In addition to the Third Party Only cover, covers loss of or damage to your car by fire or theft.

Third Party Only Car Insurance

Third Party Only

Basic plan for budget-conscious motorists. Covers your liability for damage or injury/death caused to others and their property. Does not cover any loss of or damage to your car.

Injury or death to someone else Unlimited cover Unlimited cover Unlimited cover
Damage to other people’s property up to S$5,000,000 S$5,000,000 S$5,000,000
Legal costs against criminal charges up to S$3,000 up to S$3,000 up to S$3,000
Towing after an accident S$500 for overseas tow and
S$200 for local tow
S$500 for overseas tow and S$200 for local tow (only for fire to or theft of your car)
Damage by fire
Damage or loss to your car due to theft

Show More

Get a Quote

Get a Quote

Get a Quote

Please remember to always refer to our Car Insurance Policy Document for full details

Car Insurance windscreen claim form

Windscreen Claim Form

Car insurance private settlement form

Private Settlement Form

Car insurance product disclosure document

Product Disclosure Document

Car Insurance FAQs
Why do I need car insurance?

Car insurance, also known as motorcar insurance, vehicle insurance or auto insurance, provides vehicle owners financial protection against medical and liability costs arising from traffic incidents. Car insurance may additionally offer financial protection against vehicle theft and damage due to events other than car accidents, such as natural disasters and collisions with stationary objects.

What types of cover can I choose from?

We have three types of car insurance policies to choose from.

Third Party Only is the most basic car insurance plan and covers your legal responsibility for damage to other people’s property or bodily injury or death to other people caused by an accident involving your car. It doesn’t cover damage to your own car.

Third Party Fire and Theft covers the same as Third Party Only plus loss or damage to your car if it is stolen or catches fire.

Comprehensive covers the same as Third Party Fire and Theft plus any damage to your car up to its market value.

Can anyone drive my car?

We have two Driver Plans for you to choose from. Below the definitions of the plans are applicable excess amounts which may apply.

Authorised Driver Plan

This plan covers:

  • The Policyholder
  • The person who uses your car most frequently (i.e. the Main Driver), if not the Policyholder, and
  • Anyone else you allow to drive your car.

However, if you allow someone who lives with the Main Driver (i.e. a Household Member) to drive your car, you have to name them on your policy in order for them to be covered.

IMPORTANT: A Household Member who is not named as a Named Driver under the Authorised Driver Plan will not be covered under your policy.

Named Driver Plan

This plan covers ONLY:

  • The person who uses your car most frequently (i.e. the Main Driver), and
  • Persons you include on your policy as Named Drivers.

IMPORTANT: The Policyholder must also be listed either as a Named Driver or the Main Driver under the Named Driver Plan in order to be covered under your car insurance policy.

Type of Excess

On Each and Every Claim**

Policy Excess S$600
   
Additional Excess  
Named Driver below 25 years old S$500
Named Driver with less than 2 years' valid driving licence S$500

Unnamed Driver 25 years old and above

S$500

Unnamed Driver with 2 or more years' valid driving licence

S$500

Unnamed Driver below 25 years old

S$1,500

Unnamed Driver with less than 2 years' valid driving licence

S$1,500

** before any applicable GST

Calculation of the total Excess payable on claims
The total Excess you have to contribute towards a claim is the aggregate of the Policy Excess and any Additional Excess(es) which apply.

Example
If a claim involves an Unnamed Driver who was 24 years old and was holding a valid driving licence for less than 2 years, the total Excess payable would be S$3,600.00 computed as follows:

Policy Excess S$600

Unnamed Driver below 25 years old

S$1,500

Unnamed Driver with less than 2 years' valid driving licence

S$1,500

Total S$3,600
Do I have to tell you if I drive to work in my car?

Yes, when you go through our 'get a quote' process, we will ask you how you use your car. Here are the definitions of vehicle usage:

Private and Commuting Use is use of your car for social, domestic and pleasure purposes, and for travelling between home and a regular place of work only.

Private and Occasional Business Use is "Private and Commuting Use" above, plus use for occasional business purposes by the Main Driver or any Named Driver only. "Occasional Business" means your car is not registered for business use, and the use of your car is not an essential part of earning income for a business.

Private and Business Use is "Private and Commuting Use" above, plus use for the business and/or occupation by the Main Driver or any Named Driver only.

We allow:

  • Private car-pooling provided that no profit is made from such use.
  • Carrying of goods or samples which are not for sale or payment.

We do not allow:

  • Carrying of passengers or delivery of goods for payment.
  • Driving tuition or test (whether paid or not).
  • Hire to other people.
  • Any other purposes which we have not agreed to in writing.
Do I have to pay my car insurance premiums in one lump sum or can I pay in instalments?

You can choose to pay in one lump sum, or if your premium is above S$200 then you can pay in instalments by using your DBS/POSB Mastercard or Visa credit card. Just select your preferred payment method before you pay online or over the phone with us. Choose to enjoy a 3% discount on your premium when you make a single premium payment, or simply pay your premium in 12 interest-free monthly instalments. The choice is yours.

Will there be a replacement car/ loss of use/ transport allowance when my car is undergoing repair?

There will be no replacement car. If you purchased our Transport Allowance optional cover we will pay you S$50 per day, capped at a maximum of 10 days per accident and subject to a total of 20 days per policy year. This optional cover includes an additional allowance of S$50 to "get you home" after an accident.

This Transport Allowance optional cover is only available for Comprehensive Car Insurance and Third Party Fire and Theft Insurance policy types.

How does your No Claim Discount Protector work?

You can choose to protect your NCD under this Optional Cover. Refer to the table below for more details. This Optional Cover is only available to you if your NCD is 30% or more.

No. of claims made during Policy Term*

NCD at commencement of Policy Term is 30%

NCD at commencement of Policy Term is 40%

NCD at commencement of Policy Term is 50%

One 30% 40% 50%
Two 0% 10% 20%
Three or more 0% 0% 0%

* Includes cases where an incident occurs during the Policy Term but the claim is made after the Policy Term has expired.

Find How Much You Can Save on your next Car Insurance Quote

Competitive quote compared to other insurers.
I saved $244.49 insuring with
Budget Direct Insurance

Alvin L., 33
2016 Honda Vezel 1.5

Policy are price with a baseline, and allowing optional items to be selected. This avoid overly insured. I saved $89.95!

Lim K. C., 42
2015 Toyota Corolla Altis 1.6

Signing up was a breeze and the quotations were very transparent. I saved $208.04 insuring with Budget Direct Insurance

Ambat R. M., 46
2009 Subaru Forester 2.5XT

I saved $385.94 on my car insurance!

Nicholas C., 29
2017 Hyundai Tucson 1.6

I saved $954.80 on my car insurance!

Thein M. N., 42
2016 Toyota Corolla Altis 1.6

I saved $174.29 on my car insurance!

Noor S., 44
2016 Subaru Forester 2.0 XT

I saved $284.25 on my car insurance!

Lee J., 43
2015 Honda Odyssey 2.4

I saved $246.09 on my car insurance!

Ng Y. C., 34
2015 Kia Forte K3 1.6

I saved $170+ on my car insurance!

Daniel L., 44
2015 Mazda 5 2.0

I saved $148.29 on my car insurance!

Alvin Lim C. T., 56
2015 Honda Vezel 1.5

I saved $368.80 on my car insurance!

Stephen Chan H. B., 59
2014 Subaru Forester 2.0 XT

I saved $378.40 on my car insurance!

Florence C., 49
2014 Honda City 1.5

I saved $865.83 on my car insurance!

Eileen L., 36
2011 Kia Cerato Forte 1.6

I saved $211.21 on my car insurance!

Low J. F., 32
2011 Toyota ISIS 1.8

Quick and easy. I saved $304.93 insuring with Budget Direct Insurance

Eugene Y. L., 32
2010 Mitsubishi Lancer EX

I saved $239.33 insuring with
Budget Direct Insurance.

Ng H. S., 42
2010 Kia Cerato Forte 1.6

I saved $571.54 on my car insurance!

William K., 41
2009 Suzuki Swift 1.5

I saved $682.68 insuring with
Budget Direct Insurance.

Tham L. Y., 53
2008 Honda Stream 1.8

Prompt response and helpful. Cheaper than market rate. I saved $281.75

Hor T. H., 25
2006 Toyota Vios 1.5

I saved $100 on my car insurance

Sahkiralbanu S. H., 45
2006 Mitsubishi Colt Plus 1.5 Sports

I saved $84.33 on my car insurance!

Ong S. F., 61
2005 Toyota Corolla Altis 1.6
Latest Car Insurance Promotions
Promo

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Offer extended! Use promo code "SWEE" and get a NETS FlashPay card with up to $100 stored value when you buy a NEW 12-month Comprehensive Car Insurance policy ONLINE by 30 Sep 2021.

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Great Customer Feedback! /5 stars based on verified reviews.

You may find it helpful to know what others think about our services and products before deciding to buy with us.
Here are all the reviews, unfiltered and unedited, from customers who have shared their feedback with us.

All Car Insurance is rated 4.5 out of 5 by 2309 verified customers.