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Calling all NSmen and SAFRA members.

We salute you!

Budget Direct Insurance is celebrating NS55 and SAFRA50 with an exciting EXCLUSIVE offer!

All NSmen and SAFRA members get a NETS FlashPay card with up to $100* stored value when you buy Car or Motorcycle Insurance ONLINE.

Hurry! Offer ends 30 September 2022.

PLUS! Get a 5% discount* and enjoy extra savings on your premium when you use Affinity ID = SAFRA.

Remember, you can buy your new motor insurance 60 days before its start date, so don’t miss this exclusive offer!


*Terms and conditions apply.


Pay Less with Budget Direct Insurance

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Car Insurance

Get the cheapest^ Comprehensive Car Insurance plan in Singapore. The highest level of cover for greatest ease of mind.

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Motorcycle Insurance

Get Singapore's cheapest# comprehensive motorcycle insurance for safe riders for stress-free protection!

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^According to independent consumer research study on car insurance plans conducted by ValueChampion. More details here.
#According to independent consumer research study on motorcycle insurance plans conducted by ValueChampion. More details here.


Reasons to Buy

Customisable plans

Customisable plans

Get customisable insurance plans - choose only the cover you need to get the best savings.

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Get an instant quote

Buy online anytime, anywhere. Get immediate cover.

We’re here for you 24/7

We’re here for you 24/7

Our after-hours Claims emergency line means you can call us any time. You can count on us to be there for you when you need us.

No agent commission

No agent Commission

Pay less when you buy direct. No middleman or agency fees means big savings for you.


To find out exactly what’s covered and what your options are, check out our Product Disclosure Documents.


car pdd

Car Insurance
Product Disclosure Document
Last Updated: 8 April 2022

Motorcycle Insurance Product Disclosure Document

Motorcycle Insurance
Product Disclosure Document
Last Updated: 12 November 2021

*Terms & Conditions for Budget Direct Insurance NS55 Promo
  1. Only vehicles registered in Singapore may be insured under Budget Direct Insurance’s Car and Motorcycle Insurance policies. For other terms and conditions of these policies, please refer to the Product Disclosure Document for car and motorcycle insurance policies that are currently published on our website, prior to purchase of such policies.
  2. This offer is only available to customers (each, an “Eligible Customer”):
    • who buy ONLINE a new annual Comprehensive Car or any new annual Motorcycle Insurance policy (“Policy”) from Auto & General Insurance (Singapore) Pte. Limited (trading as Budget Direct Insurance) (“Budget Direct Insurance”) from 00.00 hours of 15 July 2022 to 23.59 hours of 30 September 2022 (dates inclusive) (“Offer Period”), and use promo code “SAFRA” in the appropriate field at the online checkout of the Policy purchase;
    • whose insurance application and premium payment must be accepted by Budget Direct Insurance during the Offer Period;
    • whose Policy cover commences within 60 days from the purchase date;
    • whose Policy is not cancelled within 3 months from the Policy start date; and
    • whose Policy does not, at the time of purchase, cover the same subject matter as any of the customer’s existing (whether or not “in force”) policy with Budget Direct Insurance (where the customer is the policyholder).
    • who do not, so as to purchase the Policy, lapse, cancel, shorten or choose not to renew their existing policy (covering the same subject matter as the Policy) with Budget Direct Insurance.
  3. Upon validation of the provided details and application of the relevant promo code at the online checkout of the Policy purchase, each Eligible Customer will be eligible to:
    • receive a NETS FlashPay card with stored value to be determined in the following manner:

      Product Type

      Plans Type

      Policy Premium
      (after discounts, incl. GST)

      NETS FlashPay card’s stored value

      Car Insurance

      Comprehensive Plan

      $800 or more

      $100

      Less than $800

      $50

      Motorcycle Insurance

      Comprehensive

      $350 or more

      $50

      Third Party Fire and Theft

      $200 to <$350

      $20

      Third Party Only

    • enjoy a 5% Affinity ID discount on the Policy premium subject to Budget Direct Insurance’s Affinity Programme terms.
  4. Budget Direct Insurance will apply its standard underwriting criteria and requirements to all insurance applications and reserves the right, at any time, to reject, in full or in part, any insurance application for purchase of a Policy.
  5. Budget Direct Insurance reserves the right to substitute the NETS FlashPay card with another reward of equivalent value at any time without giving notice. The NETS FlashPay card is non-transferable and non-exchangeable for cash, credit or any other item.
  6. Budget Direct Insurance will send the NETS FlashPay card by ordinary mail (“Mail”) to the Eligible Customer within 45 days after: (a) the Offer Period or (b) the Policy start date (whichever is later). If the mailing address provided by the Eligible Customer is incorrect or invalid in any way or if the NETS FlashPay card is misplaced or stolen, Budget Direct Insurance is not obliged to re-send the NETS FlashPay card.
  7. If the Eligible Customer does not receive the Mail within the period stated above, the Eligible Customer should call our Customer Care Centre at 6221 2111. Mondays to Fridays, 9am to 8pm and Saturdays, 9am to 3pm (excluding public holidays), or email us at [email protected] for assistance. In the event the Mail is lost, the Eligible Customer will need to make a police report to support his/her claim of not receiving the Mail. Our Customer Care team will assist further upon receipt of all required supporting information and documents.
  8. If the Policy is cancelled within 3 months from the Policy start date or the insurance application is rejected, Budget Direct Insurance reserves the right to deduct the stored value amount in the NETS FlashPay card sent to the Eligible Customer from the amount of premium to be refunded to him/her (if applicable), or otherwise recover such amount from him/her.
  9. This offer is not valid with any on-going or current promotions, discounts, offers, vouchers, rebates or privileges, which are published on budgetdirect.com.sg/promotions.
  10. Each Eligible Customer agrees to receive marketing communications from Budget Direct Insurance in relation to this promotion and our products and services. An Eligible Customer may opt-out from our marketing communications at the time of receipt or by emailing us at [email protected].
  11. All employees of Budget Direct Insurance and their related companies, their immediate families, and persons living in the same household as the aforementioned individuals (whether related or not), are not eligible to participate in this offer.
  12. The terms and conditions of this offer may be amended by Budget Direct Insurance at any time without notice or incurring liability to any party. The decision of Budget Direct Insurance on all matters relating to this promotion is final. Any updates to these terms and conditions will be published on the website of Budget Direct Insurance at budgetdirect.com.sg.