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Every vehicle driven on Singapore roads must have motor insurance coverage at all times.

At a glance

Understanding insurance

You need to have sufficient motor insurance coverage for your vehicle.

 

It is an offence to use a vehicle without valid insurance coverage.

 

Motor insurance is also a prerequisite for road tax renewal.

Buying insurance 
You can get motor insurance coverage from various motor insurance companies.
Related digital services

Check if your insurance is sufficient for road tax renewal

Check the insurance company of a vehicle

Each successful search on an insurance company costs $7.49.


Understanding insurance


All vehicles must have motor insurance coverage to be used in Singapore. It is a requirement for your vehicle to be insured for the entire road tax renewal period before its road tax can be renewed.

The insurance must at least cover third-party liability for deaths and bodily injury. This is important so that traffic accident victims can be covered by insurance. 

Update your insurance company and seek advice on the insurance coverage if you:

  • Intend to change the scheme or purpose of your vehicle. For example, if you changed your personal use car to a private hire car. 
  • Modify your vehicle. For example, if you add a canopy to your lorry.  

Check if your insurance is sufficient for road tax renewal

Announcement Shout-out

It is an offence to use a vehicle without valid insurance coverage. The penalty for this offence includes a fine of up to $1,000 or imprisonment of up to 3 months or both, and a mandatory disqualification from holding a driving licence for at least 12 months.


Insurance as a prerequisite to road tax renewal


Motor insurance is a prerequisite before you can renew your road tax. Your insurance must cover the entire road tax renewal period before you can renew.

If you are renewing your vehicle road tax via digital services, you need to buy your motor insurance at least 3 working days in advance.

If you are renewing your vehicle road tax at road tax collection centres, bring along your original certificate of insurance or cover note. 

Learn more about road tax renewal
 

Buying your motor insurance


You can buy motor insurance from these motor insurance companies below.

Insurance fees may differ depending on the vehicle’s condition and the scheme it is in. Update your insurance company if you have changed your vehicle scheme, changed its purpose, or if you modified it. 
 

List of motor insurance companies



In the event of an accident, update your insurance company even if there is no visible damage to your vehicle. Check the Motor Claims Framework on how to make claims, or find out more from the General Insurance Association of Singapore.

You can also check if the other vehicle(s) involved in the accident was covered by insurance at the time of the accident. Each successful search costs $7.49.