1. Budget Direct Insurance
  2. Car Insurance
  3. Comprehensive

Singapore's Cheapest Comprehensive Car Insurance

Highest Level of Cover for Greatest Peace of Mind.
Save up to 20%* today.

* Based on a study conducted by Budget Direct Insurance. Any savings will depend on key factors, including your car and how it's used, driver profiles and insurance history.

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comprehensive cover

Looking to Buy or Renew Your Car Insurance Plans? Pay Less or Get $100*, Even If You Don’t Buy! Find out more!


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Onward Drivers! Pay Less For Car Insurance today! | Budget Direct

Pay Less for Car Insurance or get $100*, Even If You Don’t Buy.

Promo Ends:31 March 2023
If any other insurer’s premium is cheaper than our premiums for the same level of cover, we’ll give you $100*, even if you don’t buy from us.
Find out more.
Bring  A Buddy

Bring a Buddy: Unlimited Referrals. The More You Refer the More Rewards You’ll Get!

Refer a friend to buy an annual policy and get a $20 e-shopping voucher. Your buddies will each get up to $50 in e-shopping vouchers with any policy they buy. It's a win-win!
Bring  A Buddy

Existing Customers: Get Up To $50 in e-Shopping Vouchers!

Already an existing customer? Get up to $50 in e-shopping vouchers with any additional insurance policy you buy.

What is Comprehensive Car Insurance?

Comprehensive car insurance covers your liability for damage or injury/death caused to others and their property. It also covers any damage to your car due to fire, theft, storms, floods and by accidents to your car. (Note: any damage caused by fire arising from illegally modified parts such as aftermarket HID or LEDs are not covered).

Comprehensive auto insurance is the highest level of insurance you can get.

What is Covered under Comprehensive Car Insurance?

Here’s what you get with our Comprehensive Policy.

  • Injury or death to someone else
    If you accidentally injure/kill someone else in a car accident you will have unlimited cover.
  • Damage to other people’s property
    If you damage someone else’s property in a car accident you’re covered for up to S$5,000,000.
  • Legal costs against criminal charges
    We’ll pay your legal costs or expenses against criminal charges up to S$3,000 following an accident.
  • Towing
    If your car needs to be towed after an accident you’re covered up to S$200 for tows in Singapore and S$500 for tows outside Singapore.
  • Damage to your car if someone else crashes into you
    If someone else crashes into your car and damages it, we will either arrange for your car to be repaired, replaced or pay up to its market value.
  • Damage to your car when it’s your fault
    You’re protected if you crash into another car, or you crash your car into something else.
  • Damage by fire
    This plan will cover your car for any fire damage up to its market value.
  • Damage or loss to your car due to theft
    We will pay up to the market value of your car.
  • Damage by fallen trees, flood, storms or any other natural disaster
    If your car is damaged by fallen trees, accidental flooding, storms or any other natural disasters, we will either arrange for your car to be repaired, replaced or pay you up to its market value.
  • Damage by vandals
    Damage to your car caused by vandals? Rest assured you’re covered.
  • Damage to windscreen or windows
    We will pay out for cracks or damage to your car windscreen or windows.

To find out exactly what’s covered, check out the Car Insurance Product Disclosure Document.

"Unbeatable Premiums for Experienced Drivers" - ValueChampion

Compare Budget Direct’s Comprehensive car insurance premiums and discover why we are Singapore’s cheapest car insurance brand.

Singapore Cheapest Comprehensive Car Insurance
Budget Direct
Singlife with Aviva
Great Eastern
Premiums include default promotions as at (27/05/2022) valuechampion

Driver profile: 45-year-old married male with 5 years of driving experience and a 50% NCD, driving a 2020 Toyota Harrier Hybrid 2.5..

Source: ValueChampion consumer research study. Comparison based on each insurer’s base plan with no add-ons.

We’ve been offering Singapore’s Cheapest Comprehensive Car Insurance plans for five years in a row, according to an independent study by Value Champion.

For more details, visit valuechampion.sg.

Driver Plans

You can save more by specifying who will drive your car. Adapt your cover to suit how your car is used and only pay for what you need. We have 2 driver plans. Learn more about Named Driver & Authorised Driver plans.

Vehicle Usage

The more you use your car, especially during the day, the greater the chance of something happening to it. That's why it’s important to understand how often your car is being used. This helps us to provide the right level of cover. Read more about vehicle usage.

Want more? Check out our Optional Covers

A little more and you'll get 24 Hour Roadside Assistance cover. If your car breaks down, gets a flat tyre, the battery goes flat, runs out of petrol or you lose your keys, you can breathe easy knowing we’ll be there for you 24/7. You'll never be left stranded.

Our Optional Covers include extra cover in Malaysia and Thailand or your choice of repair workshop. You decide which benefits best suit you and your budget.