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| Name | Annual Premium |
|---|---|
| Budget Direct Car Insurance | S$429 |
| Aviva Car Insurance | S$599 |
| FWD Car Insurance | S$624 |
| HL Assurance Car Insurance | S$733 |
| Etiqa Car Insurance | S$753 |
| NTUC Income Car Insurance | S$755 |
| Direct Asia Car Insurance | S$782 |
| Sompo Car Insurance | S$819 |
| AXA Car Insurance | S$931 |
| AIG Car Insurance | MSIG DBS Car Insurance | TokioMarine Car Insurance | Heong Leong Car Insurance | |
Get a Budget Direct Insurance quote for a Comprehensive Car Insurance policy online or over the phone at 6221 2111.
If your current renewal price is cheaper than our quote for the same level of cover, then email us details of your insurer’s renewal notice. Email: [email protected]
If we verify that your insurer's quote is cheaper than ours, you’ll get FREE* insurance from us. Simple!
Singapore’s Cheapest Comprehensive Plan for Car Insurance
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.
^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.
Our after-hours emergency line and Emergency Assistance Web App mean you can call us anytime. We’ll be there for you when you need us. You can count on us.
Pay less when you buy direct. No middleman or agency fees means you make a big saving.
Budget Direct Insurance gives you great cover and personalised service at an affordable price.
Switching to Budget Direct Insurance from another insurer is as easy as 1-2-3
Get a car insurance quote from Budget Direct Insurance. Weigh up the costs and benefits of switching from your current insurer.
Save up to 20% buying car insurance direct.
Once you’re covered by us, contact your previous insurer to cancel your other policy.
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What's Covered |
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| Damage to your car |  |
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| Damage to other people's property | |
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| Theft of your car | |
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| Find out more | Find out more | Find out more |
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 customers’ policies include a great range of features, such as:
Have your car repaired at one of our conveniently-located Authorised Workshops. All repairs are guaranteed for 12 months.
Our 24 Hours Roadside Assistance will be there for you if you’re stranded by a breakdown, flat tyre, flat battery or anything else.
You can make one claim a year without affecting your No Claim Discount. (Applies to those who have an NCD of 30% or more).
Choose to reduce or increase this amount depending on your claim experience and budget.
Customise your policy to best suit you and how your vehicle is used.
Choose between two Driver Plans to make sure you’re paying only for what you need.
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.
Make an even bigger saving if you drive an Off-Peak Car.
It should be noted that Budget Direct Insurance does not cover private hire vehicles (PHV). If you drive a private hire car with say Grab/GrabHitch for instance, then you would need a commercial car insurance policy.
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.
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 PlanThis plan covers:
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 PlanThis plan covers ONLY:
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.
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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 |
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Unnamed Driver with 2 or more years' valid driving licence |
S$500 |
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Unnamed Driver below 25 years old |
S$1,500 |
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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 |
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:
We do not allow:
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.
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.
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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.