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Looking for reliable car insurance in Singapore? Budget Direct offers flexible motor insurance built around your needs. Choose from Comprehensive, Third-Party Fire & Theft, or Third-Party Only cover, with optional extras to customise your policy. Get a fast, hassle-free quote online and start saving today.
Why Choose Budget Direct Insurance
Tailor-Made Cover
Save on your insurance premium by choosing who will drive your car. Customise your cover to suit your lifestyle and only pay for what you need.
No Agent Commission
Pay less when you buy direct. No middleman or agency fees means you enjoy savings on your premium.
24/7 Claims
Accidents can happen at any time of the day. That's why we've made sure you can lodge a claim over the phone or online at any time of the day or night, 365 days a year.
Award-Winning Insurer
Our customer service is rated "Exceptional" on the independent review platform Feefo, and we’ve proudly received the prestigious Feefo Trusted Service Award every year since our launch in 2016.
Towing Costs
If there's damage to your car making it unsafe to drive following an accident, we'll pay the cost of towing.
Not all benefits apply to all levels of cover. Compare covers and features
Click here for full details on covers and exclusions.
Click here for full details on covers and exclusions.
What's the right car insurance for me?
From third party to comprehensive cover, compare our policies to find the right level of cover.
Compare different levels of Cover
Higher Risk Car Insurance Option
If you've had multiple accidents, then our Higher Risk policy could be a great, affordable option for you. Learn more here.
What's covered?
Budget Direct Comprehensive Car Insurance protects you against loss or damage to your car as well as liability for accidental damage your car causes to other people’s cars and property.
Customers can be covered for:
Accidental injury or death to someone else - unlimited cover
Loss or accidental damage to your car (storm, flood, fire, collision, theft or vandalism)
Damage to someone else’s car or property
Towing after an accident
Damage to your car when it’s your fault
Damage to windscreens or windows
What’s not covered?
We do not cover you for loss or damage for every circumstance. There are exclusions such as:
Use of your car for commercial purposes, delivery of goods/food and/or made available for use on car-sharing or ride-hailing platforms
Racing, contests or rallies
Unlawful use
Hire or reward
General wear and tear
Unexplained or ongoing mechanical, structural or electrical malfunctions or breakdowns
Using the wrong fuel
Click here for full details on covers and exclusions.
Tailor Your Cover with these Optional Add-ons
Customise your policy with extra protection:
24 Hours Roadside Assistance
If your car breaks down you'll get 24/7 emergency roadside assistance. We'll never leave you stranded.
With our extensive Singapore network of service providers, you’re never too far from help.
No Claim Discount (NCD) Protector
Do you have a No Claim Discount (NCD) of 30% or more? We recommend you protect it. Remember, the protected NCD isn’t transferable between insurers and doesn’t guarantee policy renewal with us.
Please note, NCD Protector is not available with our Higher Risk Car Insurance policy.
Personal Accident
Death or injury benefit up to S$100,000 for the insured driver. Choose the amount of cover you want from S$20,000, S$50,000 or S$100,000.
Any Workshop
Choose the Any Workshop option to have your damaged car repaired at a workshop of your choice.
Transport Allowance
You'll receive S$50 per day for a maximum of 10 days per accident, capped at 20 days per policy term.
Overseas Emergency Allowance
We'll pay up to S$1,000 for towing and S$200 per person plus emergency phone calls up to S$100. If you or your passengers are seriously injured and need to be evacuated, we'll pay up to S$25,000 per person.
How do I add an optional cover to my policy?
You can add one or more of these benefits when you get a quote and buy a policy. If you’ve already bought a policy, then please contact us. Your additional cover if approved by us will take effect 7 days later.
Refer to our Standard Car Product Disclosure Document for full details.
Understanding and Managing Your Insurance
Making a Claim
We’ve made claims simple:
- Call our 24/7 hotline or report online.
- Provide accident details and required documents.
- Use our authorised workshop, or your own workshop if you’ve added the optional “Any Workshop” cover.
- We’ll process your claim quickly so you’re back on the road sooner.
Make a Claim
How Premiums are Calculated
Your premium is influenced by:
- Vehicle profile and usage
- Your driving record and claims history
- Age and experience of all drivers
- Chosen excess level
- Type of cover
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Manage Your Policy Online
Budget Direct customers can make a claim, view their policies, buy more insurance, renew their car insurance policy, and cancel their policy online.
Login to Policy Manager
Find Out More
The information on this page is a summary only. For more details about the terms, conditions, limits and exclusions that apply, please read the Standard Car Insurance Product Disclosure Document or Higher Risk Car Insurance Product Disclosure Document.
Product Disclosure Document
Frequently Asked Questions
Is Car Insurance Compulsory In Singapore?
Yes. Under Singapore law, at least Third-Party Only coverage is required before you can drive your vehicle on the road.
What Is A No-Claim Discount (NCD) And How Does It Work?
NCD is a reward for safe driving. Each year you don’t make a claim, your NCD increases, giving you a discount on your renewal premium. With an NCD Protector add-on, your discount stays intact even if you make one claim.
For more information, click here.
Does My NCD Carry Over If I Switch Insurer?
Yes, your No Claim Discount (NCD) can be transferred to your new policy when you switch insurer. However, Protected NCD is not transferrable to another insurer. So, if you had an at-fault accident/claim and your 50% NCD was maintained only because of NCD Protector, you’ll need to declare your NCD as 20% when switching insurer.
If you’re unsure of your NCD, you can select 0% or contact us at 6221 2111 (Mon–Fri, 9am–8pm; Sat, 9am–3pm).
How Can I Reduce My Premium?
You can save by:
- Choosing a higher excess
- Maintaining a clean driving record
- Selecting only the add-ons you need
What Is Excess And How Does It Affect My Cover?
Excess is the amount that you have to pay towards your claim. At Budget Direct Insurance our standard policy excess for cars is S$600 (before prevailing GST). You can choose to reduce or increase this amount depending on your claim experience and budget.
For car you can reduce your excess right down to zero. This will increase your premium but means you pay less excess if you have to make a claim. You can also increase your excess up to S$3,000 (before prevailing GST) - which means you pay less premium.
Can I Insure More Than One Driver Under The Same Policy?
Yes, You can name more than one driver under your policy. Some insurers offer coverage for any authorised driver, though restrictions and conditions may apply.
For more information on Driver Plans offered by Budget Direct Insurance, click here.
How Do I Make A Claim And What Documents Are Required?
Can I Choose My Own Workshop For Repairs?
Yes, depending on your insurer and policy coverage. Some insurers allow you to repair your car at a workshop of your choice by paying an additional premium, while others require you to use their authorised network for repairs.
What Happens If My Policy Lapses Or I Don’t Renew On Time?
Driving without valid insurance is illegal in Singapore. Always renew before the expiry date to stay protected.
See All Car Insurance Articles
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Useful Links
Car Research & Statistics
- Commuters in Singapore Survey 2025
A detailed survey on how Singaporeans commute to work and what matters most to them. - Road Accident Statistics in Singapore 2024
A comprehensive guide to road accident statistics in Singapore. - Car Running Costs Singapore 2024
An in-depth analysis of the current costs of running a car in Singapore. - Car Ownership Singapore 2024
A comprehensive guide to car ownership in Singapore. - Public Transport Singapore 2024
An in-depth analysis of public transport in Singapore. - Why are cars so expensive in Singapore?
An in-depth analysis of car prices in Singapore.