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How can safe driving save me even more money?

How can safe driving save me even more money?

If you have not violated any traffic rules for three consecutive years, you are entitled to a Certificate of Merit from the Singapore Traffic Police.

Should your NCD be 30% and above for a private car policy or 20% for a privately owned commercial vehicle policy, some insurers may reward you with a further 5% discount upon presentation of your Certificate of Merit.

For details, please visit the website

[source: General Insurance Association of Singapore]


What is Cert of Merit and how to get Safe Driver Discount

The Certificate of Merit (COM) entitles a driver to a 5% discount on vehicle insurance premium from participating insurance companies, over and above his No-Claim Bonus (NCB).

A driver is eligible for a COM if, at the point of purchasing a car insurance coverage, he/she has maintained for the past 3 years, a continuous demerit-point-free driving record. This means that, if a driver has committed a traffic offence any day in the 3 years immediately before an insurance purchase that resulted in him/her being 'awarded' demerit points, he/she would no longer be eligible for a COM on the day that he/she purchases the insurance.

We can check for your eligibility for Cert of Merit or Safe Driver Discount (SDD), simply fill up the form here, and we'll send you one of our best competitive quote for perusal.

No Insurance Company Name
1 ACE Insurance Ltd
2 Allianz Insurance Co of Singapore Pte Ltd
3 American Home Assurance Co - S'pore
4 AXA Insurance Singapore Pte Ltd
5 China Insurance Co (Singapore) Pte Ltd
6 EQ Insurance Company Ltd
7 Federal Insurance Co
8 First Capital Insurance Ltd
9 HSBC Insurance (Singapore) Pte Ltd
10 India International Insurance Pte Ltd
11 Liberty Insurance Pte Ltd
12 Lonpac Insurance Bhd
13 Mayban General Assurance Bhd
14 Mitsui Sumitomo Insurance (Singapore) Pte Ltd
15 MSIG Insurance (Singapore) Pte Ltd (formerly Aviva General Insurance Pte Ltd)
16 Nipponkoa Insurance Co Ltd
17 Overseas Assurance Corporation Ltd
18 QBE Insurance (International) Ltd
19 Royal & Sun Alliance Insurance Plc
20 SHC Capital Ltd
21 Sompo Japan Insurance Co (Asia) Pte Ltd
22 Tenet Insurance Co Ltd
23 TM Asia Insurance Singapore Ltd
24 Tokio Marine & Fire Insurance Co (S) Pte Ltd
25 United Overseas Insurance Ltd

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