Singapore Motor Car Insurance we Source and Compare, then give you the BEST 3 motor car Insurance Quotes!


Road Tax Renewal and Late Payment Fees

All Singapore registered motor cars must have valid road tax (aka vehicle license) at all times. In addition, they must have valid insurance cover when used on the roads.
Please therefore renew your road tax and motor insurance before expiry. You can renew your car insurance here

If the road tax is renewed after its expiry date, a late fee is payable in addition to the road tax. The amount of late fee payable is as follow:

Late Fees Payable

Vehicle Type Engine Capacity Within 1st Month of Expiry Date Between 1 and 2.5 months of Expiry Date More than 2.5 months > 6 months for Motorcycles
> 3 months for Other Vehicles
Cars <= 1,000cc $10 $60 $75 $225
1,001 - 1,600cc $20 $70 $85 $235
1,601 - 2,000cc $30 $80 $95 $245
2,001 - 3,000cc $40 $90 $105 $255
>= 3,001cc $50 $100 $115 $265
Business Service Passenger Vehicles (company cars) N.A. $50 $100 $115 $265
Motorcycle <300cc $10 $30 $45 $125
>=300cc $10 $60 $75 $225
Others $50 $100 $115 $265

For example, if the owner of a car with an engine capacity of less than 1,000 cc renews the road tax at 3.5 months after the road tax expiry date, on top of the road tax payable, he will also have to pay the late fee of $225.

Besides the late fee, the owner of a vehicle is also liable to be prosecuted for the offence of keeping or using the vehicle without a valid road tax under Section 15 of the Road Traffic Act. The offence carries a maximum fine of $2,000 upon conviction in court.

It is also a serious offence for anyone to use or allow the use of a vehicle without a valid motor insurance cover. The penalty for this serious offence is a fine of up to $1,000 or to imprisonment of up to 3 months or to both, and a mandatory disqualification from holding a driving licence for at least 12 months, upon conviction in court.

[Source: onemotoring]


Why is it Important For a Car Insurance Company to Know All Your Details?

In Singapore, when you are applying for compulsory car insurance, the insurer need to know all the information about you to assess the business risk accepted from you and understand your needs as a policyholder. Only when these two requirements are met, then can the insurers set an accurate premium for your motor car insurance.

Usually these are the sets of questions asked by insurance companies providing motor car insurance:
- Personal particulars and your vehicle details
- Have you made any recent claims (third party or own claim) and what is the amount
- Have you ever received a ticket or been charged for a driving offense
- Who's going to drive the vehicle and how many years of driving experience does the driver has.

If you have not been in any accident for the last few years, you get to enjoy a NCD (No Claim Bonus) discount. The discount starts from 10% to a maximum of 50%. This is to reward careful drivers. Of course, if you subsequently have accidents, that will reduce the NCD bonus. Be warned that although you can hide or give wrong details and get lower premiums, once you are exposed, you will not be able to claim any compensation from the insurers. So it is very important that you give all the details required and do not lie about them.

Base on a number of factors, including those stated above, the insurer is able to calculate how much you need to pay for your next renewal. Different insurers will have different claims experience, which means that you can get different premium quotations. As a result, it is better for you to get several quotations from your agent. For convenience, you could get your 3 best quotations from You will save the time from searching and comparing the numerous quotations that you get.

Last but not least, it is important to also answer all the questions truthfully. This is because failure to do so may warrant the policy being void or affect the level of payout in the event of a claim.


Thank You

Thank you for Submitting Your Request for Car Insurance Quotation.

We'll reply to you within 1-2 Business Day.

Thank You for Sending Your Request for Car Insurance!

Thank you for Using 3carquotes - Singapore Car Insurance