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]


How to Choose Car Insurance from 25 Companies

In Singapore, there are as many as 25 insurance companies offering car insurance. It is both a good and bad thing; because with that much insurance companies, you are spoiled for choices.

But where do you start and how you compare? At, we are a team that specialize and work on giving you Singapore best car insurance quotes.

Our 3 steps process:

Based on your car and personal details,

  1. we source and gather quotations,
  2. then shortlist to just 3 best quotations
  3. tabulated the quotations into a simple form for you to see and choose from.

Other than saving money, what is more important is that you saved lots of time and headaches too.

Ok, let us cut to the chase, we know people get bored from reading walls of text, and that's the last thing we want to do :)

Here's the deal

If you are new to, please submit your details with the form here. Kindly include your current insurer and the renewing premium under Remarks section.

Our job is to get lower premiums and better benefits for you!


Please include Promo Code: GVBONUS in the Remarks section when submitting the request.

Car Owner - Golden Village Movie Vouchers x 2

Referring Clients to Us - For every successful application that you refer us, you get one Golden Village Movie Voucher.

Steps to Referring

  1. Please ask your friend/colleague/family to indicate your name and NRIC in the Remarks section when submitting the request for quote.
  2. After it is done, please SMS 3CQ <your name>, <NRIC> and <address> to 900-800-34
  3. Vouchers will be mailed to your stated address 2 weeks after policy inception.

Submit Request for Quote Now

or email us your concerns

Terms & Conditions

  • promotion is valid only for car quotation requests submitted via
  • only for premiums more than $1,200 (excluding GST)
  • vouchers will be mailed to you 2 weeks after policy inception.
  • vouchers are provided by (not the insurers) for the purpose of value adding to our services, and encouraging the submission of car insurance requests online.
  • vouchers are non-exchangeable for cash, and we reserve the rights to change them to something similar in value.

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.


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