1. Budget Direct Insurance
  2. Car Insurance
  3. Compare Our Car Insurance Prices

Feefo Platinum Trusted Service Award 2023
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88%* say we are cheaper than their previous insurer!​

By not insuring risky drivers, we can keep our standard car insurance premiums low for safer drivers like you.​

Compared to their previous insurers' premiums, our customers saved an average of $210# by switching to Budget Direct Car Insurance.

Here are examples of their average savings​#:​ ​

#See what this figure is based on

Customers driving a Saved an average of
BMW $241
Audi $240
Mazda $238
Mercedes-Benz $217
Hyundai $217
Toyota $197
Honda $194

*This percentage represents the proportion of customers who provided their feedback to us through an independent survey that we are cheaper than their previous insurer.

pay less or pay nothing

pay less or pay nothing

Even more ways to save

Here are more ways to reduce your car insurance quote even further.

Go Paperless

Your premium will be S$20 (before prevailing GST) cheaper if you opt to go paperless. All your documents will be sent via email and you can also retrieve them from the Policy Manager.

Opt for Singapore Only cover

Want cover just for Singapore? You’ll get a discount on your insurance premium. We’re one of the few insurers who offer this smart way to cut down your costs.

Drive an Off-Peak Car

Reduce your premium if you drive an off-peak car.

Increase your excess

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.

You can increase your excess up to S$1,500 – which means you pay a lower premium.

Opt for Authorised Workshop

You are in control when it comes to repairs. Save on your premium and have your car repaired at one of our conveniently-located Authorised Workshops. All repairs are guaranteed for 12 months. This is the best value option for all car repairs.

Select the right level of cover

We offer three types of insurance, the cost of which reflects the level of protection they provide. Choose what's right for you.

Maintain a good driving record

For each claim-free year, you’ll receive a No Claim Discount (NCD) on your premium; the NCD is capped at 50%.

Quick car insurance comparison

What's Covered

Comprehensive

Third Party Fire and Theft

Third Party Only

Damage to your car available unavailable unavailable
Damage to other people's property available available available
Theft of your car available available unavailable
Find out more Find out more Find out more

Optional Features

While Budget Direct Insurance has built up a strong reputation as a price leader in car insurance, we also offer great value for money. Not only are our premiums hard to beat, our customised policies include a great range of optional features, such as:

Repair Guarantee

Repair Guarantee

Have your car repaired at one of our conveniently-located Authorised Workshops. All repairs are guaranteed for 12 months.

24 Hours Roadside Assistance

24 Hours Roadside Assistance

Our 24 Hours Roadside Assistance will be there for you if you’re stranded by a breakdown, flat tyre, flat battery or anything else.

No Claim Discount (NCD) Protection

No Claim Discount (NCD) Protection

You can make one claim a year without affecting your No Claim Discount. (Applies to those who have an NCD of 30% or more).

Customisable Excess

Customisable Excess

Choose to reduce or increase this amount depending on your claim experience and budget.

View all optional features

How to switch

Switching to Budget Direct Insurance from another insurer is as easy as 1-2-3

select

Select

Get a car insurance quote from Budget Direct Insurance. Weigh up the costs and benefits of switching from your current insurer.

save

Save

Save up to 20% buying car insurance direct.

switch

Contact

Once you’re covered by us, contact your previous insurer to cancel your other policy.

Great Customer Feedback

/5 | Based on verified reviews*
Feefo Platinum Trusted Service Award 2023

See how much customers have saved with Budget Direct Insurance

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

Common Car Insurance Questions

View All 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.

  • Comprehensive/Standard Car Insurance policy for low-risk drivers.
  • Comprehensive/Higher Risk Car Insurance policy for drivers who have had 2 or 3 at-fault accidents and/or claims within the last 3 years.
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 prevailing 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 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.
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.

Who has the cheapest car insurance in Singapore?
How do I compare car insurance prices in Singapore?

Our savings calculator gives you an idea of how much our customers saved on their car insurance premiums when they switched over to us. Use our savings calculator to estimate your savings by switching over to us. Find out what savings you can make on your car insurance.

How much is car insurance in Singapore?

The price of car insurance premiums can range from around $550 to $1,700 in Singapore. The price depends on various factors, including the driver's age and driving history, occupation, and the type of car. Our savings calculator tool gives you an idea of our customers' savings when they switched to us from Singapore's leading insurance companies based on their car make. Find out more.

Want to Pay Less with Budget Direct Insurance?