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Third Party Car Insurance Gives you a basic level of cover

If Comprehensive Car insurance isn’t for you, our Third Party insurance plans are a cheaper option. You can choose one of two levels of cover.

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Third Party Car Insurance
Great cover at great prices

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What are the 2 Types of 3rd Party Insurance?

The 2 types of third party insurance are Third Party Only (TPO) and Third Party Fire and Theft (TPFT).

What's the difference between Third Party Only and Third Party Fire and Theft?

Third Party Only insurance covers your liability for damage caused by the car to other people's property for up to S$5,000,000. It doesn’t cover damage to your car.

In addition to what is covered for Third Party Only insurance, our Third Party Fire and Theft policy will also cover your car if it is stolen or catches fire.

Both Third Party Liability Insurance plans offer the same cover for bodily injury or death to someone else, damage to other people’s property and legal costs against criminal charges.

What we cover

Cover Third Party Only Third Party Fire and Theft
Injury or death to someone else Unlimited cover Unlimited cover
Damage to other people’s property S$5,000,000 S$5,000,000
Legal costs against criminal charges S$3,000 S$3,000
Loss or damage to your car by fire or theft Not included Included
(up to market value of your car)
Towing after an accident Not included Included:
S$500 for overseas tow and
S$200 for local tow
(only for fire to or theft of your car)

Additional Optional Covers for Third Party Only Policies

You can add more protection to your Third Party insurance policy with our Optional Covers. Tailor your policy to suit your lifestyle at a price you can afford.

Personal Accident
If the driver is injured or killed in an accident involving your car, then we will pay out up to S$100,000. Choose the amount of cover you want from S$20,000, S$50,000 and S$100,000.

Medical Expenses

If you or your passengers need medical attention following your car accident, then we will pay your expenses up to S$500 per person. 

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.

Additional Windscreen Cover

We will cover you for up to two claims on your windscreen or windows per policy period.

Additional Optional Covers for Third Party Fire and Theft Policies

In addition to the above, choosing our Third Party Fire and Theft policy gives you more Optional Covers to choose from.

You can add on:

Overseas Emergency Allowance
Driving overseas to Malaysia or Thailand? We’ll get you home in the event of an accident. 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.

24 Hours Roadside Assistance
If you don’t want to be stranded by a breakdown, flat tyre, flat battery or anything else, our 24 Hours Roadside Assistance will be there for you.

Transport Allowance
If your car is stolen or damaged due to fire, our transport allowance benefit will pay out S$50 per day for up to 10 days per accident (maximum 20 days per policy term).

Any Workshop
Opt to have your car repaired at a workshop of your choice if your car is damaged by fire or if your car is found damaged after being stolen.

Modifications and Accessories
We may choose to repair, replace or pay for parts of your car which have been stolen or damaged due to fire, provided they are LTA compliant and have been declared to us and accepted by us.

Want more protection?

Here’s a breakdown of the Optional Covers you can choose depending on the policy you buy.

Optional Cover(s) you can choose to add Comprehensive Third Party Fire and Theft Third Party Only
Personal Accident Available Available Available
Medical Expenses Available Available Available
No Claim Discount (NCD) Protector Available Available Available
Overseas Emergency Allowance Available Available Not available
24 Hours Roadside Assistance Available Available Not available
Transport Allowance Available Available
(for fire or theft claim only)
Not available
Modifications and Accessories Available Available
(for fire or theft claim only)
Not available
Any Workshop Available Available
(for fire or theft claim only)
Not available
Singapore Only Available Not available Not available
Windscreen Add-on Included under policy Available Available

This is a summary, please see the Car Insurance Product Disclosure Document for complete details on Third Party Insurance. You can find out more details about Comprehensive Cover here.