Your shopping cart
Your cart is currently empty
Click here to return to the shop

Car Insurance

Singapore's leading car insurer lets you drive with confidence.

learn how does Car Insurance benefits me

Learn About Car Insurance

Driving is not without risk or incidence, indeed, the roads we drive on today may be filled with danger and the unexpected may occur at any turn. That is why you need a motor insurer who truly understands your motoring needs. There is no smarter choice than getting a comprehensive motor insurance coverage and assurance you need with Singapore's leading motor insurer.

With growing affluence, luxury cars are becoming increasingly common. With our new Prestige plan1, you can now enjoy even more a competitive car insurance premium rates for your prized possession. What's more, if you are travelling to West Malaysia, we offer you peace of mind with our 24-hour referral services for road and medical assistance2.

Now, you can certainly feel more at ease and drive with greater confidence in Singapore and West Malaysia.

Key Benefits

24/7 accident response team

Orange Force Accident Response Team at your service 24/7

24/7 referral services

24/7 referral services for road and medical assistance in West Malaysia2

Motor insurance coverage

Motor insurance coverage for accidental or fire damage, flood and natural disaster

loyalty discount

5% loyalty discount3

ncd Discount

No Claim Discount (NCD) protection4


Choice of workshops with Drivo Premium plan and Drivo Prestige plan

windscreen cover

Unlimited windscreen cover5

transport allowance

Daily Transport allowance cover6

Excess waiver coverage

Excess waiver cover7 with Drivo Premium and Drivo Classic plan

medical coverage

Medical expenses and personal accident benefits

additional benefits

  • orange force

    Income’s Orange Force Accident Response Team is on call 24/7 to assist you at accident scenes anytime and anywhere on the island. Their presence is comforting and much needed to drivers in times of distress as they help you to document the damage, engage a tow truck and ensure your interests are protected when you are most vulnerable2.

  • greater convenience for you to sign up

    Now, it is even more convenient for you to sign up for motor insurance. Simply log on and you can purchase, renew and make payment for your motor insurance, no fuss, no hassle.

  • greater assurance for you, your authorised driver and your passengers

    In the event of an accident involving your vehicle, with our motor insurance, you, your authorised drivers and your passengers will be covered against any medical expenses towards a third party and medical expenses and personal accident benefits.

  • fair and prompt claims settlement

    At our conveniently located accident reporting centres, you will receive fair claim advice, assistance in filing of the accident report, and in assessing the damages to your vehicle.

  • easy access to more than 30 quality workshops islandwide

    You will be assured of professional expertise and skills at our quality workshops. These workshops can also assist in handling third party claim against the other party who is at fault. Alternatively, you can choose to have your vehicle repaired at your preferred workshop.

  1. This plan is available for named drivers who are above the age of 33 and have at least 3 years of driving experience without any accident claim.
  2. The 24-hour referral services for road and medical assistance are available within Peninsular Malaysia which includes Penang and Langkawi but excludes the rest of the islands. This service is applicable for Income Private Car Policyholders only.
  3. You will receive a 5% loyalty discount if you have been insuring your vehicle with us for more than 3 years.
  4. You can purchase the optional benefit to protect your NCD if your NCD is at least 30%. However, if you have been enjoying NCD of 50% from us in the last two consecutive years, you will automatically enjoy free NCD protection when you renew your policy with us.
  5. A windscreen excess of S$100 (or any other amount shown on the certificate of insurance) applies for each and every claim under the following plans: Drivo Premium and Drivo Classic plan. For Drivo Prestige plan, the windscreen excess is S$1,000 (or any other amount shown on the Schedule or certificate of insurance) applies for each and every claim.
  6. You can purchase the daily transport allowance cover which pays $50 per day, from the first day of the repair for up to 7 days, for each of your first two claims.
  7. This cover is only applicable to Drivo Premium and Drivo Classic plan. You can purchase the cover to waive the basic excess of $600 when you claim under your motor policy. This excess waiver is not applicable to policies with excess of above $600.


Find out what our motor insurance policies cover for Private Car, Private Car (Prestige Plan), Private Car (Extension Rider).

important notes

This page is for general information only. You can find the usual terms and conditions of Drivo Classic and Drivo Premium plans at, Drivo Prestige plan at and Motor Insurance Extensions (Rider) at

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the websites of the General Insurance Association of Singapore (, the Life Insurance Association, Singapore ( or or Singapore Deposit Insurance Corporation (

Information is correct as of 31 May 2016

Disclaimer: All insurance products underwritten by Income are contracts between the policyholder and Income. Read full disclaimer.

How to apply


call us at

6781 7090 (press 5)
Mondays to Fridays, 8.30am to 8.30pm