Best Car Insurance in Singapore

新加坡是一座城市，是商业和休闲中心，以其高效的交通系统和基础设施发展而闻名，这为在新加坡驾驶提供了极大的便利。新加坡精心规划、建造和定期维护的道路网络确保了交通畅通和驾驶员的安全。

然而，即使采取了这些措施，在新加坡开车也不能完全消除事故、损坏或盗窃的可能性。虽然第三方保险是法律要求，但新加坡的司机可以选择购买范围更广的保险，以增加安全性。

新加坡有多家保险公司提供汽车保险，每家公司都提供各种保险产品和计划，以满足驾驶员的不同需求。其中一些公司还提供额外福利，例如 24 小时路边援助或优先维修服务，以提升在新加坡的驾驶体验。

保险公司会考虑您的年龄、驾驶经验、职业、婚姻状况以及车辆的品牌和型号来确定保费。如果您驾驶经验不足或有过事故史，您可能需要支付更高的保费。这是因为您可能被视为处于较高的风险水平。

在与新加坡的汽车租赁公司打交道时，考虑您的预算和具体需求非常重要。这些公司提供的保险范围和福利越广，您就越有可能为租车保险支付更高的保费。

在做出决定之前，特别是在新加坡租车时，请比较各家保险公司的报价，以确保您获得符合您的要求和预算限制的最佳优惠。

除了基本保障外，一些受欢迎的附加险还包括人身意外伤害保险，该保险可在发生事故时提供医疗费用或收入损失的保障。此外，每日交通补贴可在车辆发生故障或维修时提供临时替代车辆。

1. Third-Party Only Insurance: This is the basic level of car insurance required by law. Third-party-only insurance covers the policyholder against liabilities arising from damages or injuries caused to other parties involved in an accident.

• It is the most basic and affordable type of car insurance.
• It fulfills the legal requirement to have insurance coverage in most countries.
• It covers damages caused to third-party property and injuries to third parties involved in an accident.
• It does not cover damages to your own vehicle.
• You will be responsible for repairing or replacing your car in case of an accident.
• It does not provide any coverage for theft or other non-accident-related damages.

2. Third-Party, Fire, and Theft Insurance: This type of insurance offers additional protection compared to third-party-only insurance. In addition to covering liabilities for damages or injuries caused to other parties, it also provides coverage for fire damage and theft of the insured vehicle.

• It covers damages caused to third-party property and injuries to third parties involved in an accident.
• It provides coverage for fire-related damages and theft of your vehicle.
• It is relatively more affordable than comprehensive insurance.
• It does not cover damages to your own vehicle caused by an accident.
• Repairs and replacements for damages not related to fire or theft have to be paid out-of-pocket.

3. Comprehensive Car Insurance: When you opt for comprehensive coverage, you are not only insuring yourself against damages caused by accidents but you are also protected against other potential risks. This includes protection against natural disasters such as floods, hurricanes, or hailstorms, as well as fire damage and theft. Because of this wide range of benefits, expect a higher premium, but a greater peace of mind and financial security.

• It offers the highest level of coverage for your vehicle.
• It covers damages caused to third-party property and injuries to third parties involved in an accident.
• It provides coverage for damages to your own vehicle, regardless of fault.
• It may include additional benefits like roadside assistance, personal accident coverage, and coverage for overseas accidents.
• It is typically more expensive than other types of car insurance.
• It may have a higher excess, requiring you to pay more out-of-pocket in case of a claim
• Some comprehensive insurance policies may have limitations on authorized repair workshops.

4.第三方责任险、火灾险、盗窃险和碰撞险：这种保险结合了第三方责任险、火灾险和盗窃险的保障范围，以及碰撞事故对被保险车辆造成的损害赔偿范围。与普通综合保险相比，这种保险的保障范围更高。

• 它涵盖事故中对第三方财产造成的损害和对第三方造成的伤害。
• 它为您的车辆因火灾造成的损害和盗窃提供保障。
• 它比综合保险相对更实惠。
• 它不包括因事故造成的您自己的车辆的损坏。
• 对于与火灾或盗窃无关的损坏的维修和更换费用必须自掏腰包。

5.按里程付费保险或基于使用情况的保险：这是一种相对较新的汽车保险，会考虑您的驾驶行为和习惯。保险公司使用远程信息处理设备或移动应用程序监控您的驾驶模式，您的保费取决于里程、速度和刹车等因素。如果您是安全驾驶员，您可能有资格通过这种保险获得较低的保费。

• 它根据您对车辆的实际使用情况提供灵活的定价结构。
• 它通过向低里程或低风险驾驶员提供较低的保费来激励安全驾驶。
• 它可能提供额外福利，例如路边援助和海外事故保险。

– 它需要在您的车辆上安装远程信息处理设备来跟踪您的驾驶行为。

– 如果该设备检测到危险的驾驶习惯，保险费可能会增加。

– 对于高里程或高风险的驾驶员来说，这可能不具成本效益。

6.简洁保险：如果您正在新加坡寻找更经济实惠的汽车保险，那么这款保险非常适合您。

• 与综合保险相比，它以较低的成本提供基本保险。
• 它满足了保险覆盖的法定要求。
• 它仍可能为事故中造成的第三方财产损失和第三方伤害提供保险。
• 它提供有限的保险范围，可能不包括人身意外伤害保险或道路救援等福利。
• 您必须自掏腰包支付自己车辆损坏的维修和更换费用。

7.古董车保险：古董车或经典车车主可以选择这种特殊类型的保险。它提供专门为古董车量身定制的保险，包括约定价值保险、备件更换以及保存和修复费用保险。

美国国际集团（新加坡的 AIG 亚太保险私人有限公司）自 1953 年以来一直从事该行业。作为该国最大的一般保险公司之一，AIG 为个人和企业客户提供一系列产品。

• 通过购买其完整计划，您可以免受以下因素造成的损害或损失：事故、火灾、盗窃、洪水，甚至骚乱或暴乱
• 您可以在 1 天内快速获得索赔批准
• AIG 汽车保险提供丰富的附加服务：

AIG Car Insurance Coverage Add-ons available:

• Own Damage
• Fire
• Authorized Driver
• Bodily Injury
• Property Damage
• AIG Authorised Workshops
• Accidental Towing
• Theft
• Act of God
• Excess Waiver of up to S$1,000 with an in-car camera footage
• Glass roof / moon roof/ sun roof / panoramic glass roof
• Loss of use cash compensation (up to 7 days)
• NCD Protector* for drivers with 50% NCD
• First claim during the policy year will not reduce NCD
• Authorized driver extension
• Authorized drivers within the household are extended to include any driver.
• Canvas Top

• MSIG 提供两种汽车保险计划：MotorMax 和 MotorMax Plus。请参阅下表了解其责任范围和限额：

MotorMax MotorMax Plus:

• Comprehensive coverage: Market value of the insured vehicle at the time of loss or damage
  1. Unlimited coverage for death or bodily injury to any person
  2. Up to $5,000,000 coverage for damage to property
  3. Covers personal accident benefits of up to $20,000 for its policyholder
  4. Up to $10,000 each in personal accident benefits for authorized driver and/or passenger
  5. MSIG-authorized workshops only
  6. Does not cover transport allowance
  7. Does not cover new for old replacement
  8. Does not cover loan protection benefits
  9. Auto reinstatement of Windscreen
  10. 24/7 Automobile and Medical Assistance

MotorMax Plus:

• Comprehensive coverage: Market value of the insured vehicle at the time of loss or damage
  1. Unlimited coverage for death or bodily injury to any person
  2. Up to $5,000,000 coverage for damage to property
  3. Up to $100,000 personal accident benefits for the policyholder
  4. Up to $50,000 each in personal accident benefits for authorized driver and/or passenger
  5. Covers transport allowance
  6. Covers new for old replacement
  7. Covers loan protection benefits
  8. Auto reinstatement of Windscreen
  9. 24/7 Automobile and Medical Assistance

• Other benefits include: $100,000 worth of car loan benefits to cover any outstanding car loan in case of the driver’s demise in a car accident, new car replacement, transport allowance, and quick and personalized quote

SingLife旨在帮助各年龄段的人实现财务自由。2022 年，该公司与 Aviva Singapore 合并，并因其在保险和金融科技行业的创新而屡获殊荣。

• SingLife 提供三种计划：Lite、Standard 和 Prestige。
• 批准的维修厂
• 全新汽车更换
• 以及一些额外费用：针对年轻或缺乏经验的驾驶员的额外超额费用、挡风玻璃超额费用、医疗费用、第三方财产损失
• 在任何维修厂进行维修
• 全新车更换
• 针对年轻或缺乏经验的驾驶员的额外超额费用
• 挡风玻璃超额付款
• 医疗费
• 第三方财产损失
• 个人物品
• 尊贵计划为您提供最高级别的保护，让您更加安心。
• 维修你的汽车
  任何维修人员
• 全新车更换
• 针对年轻或缺乏经验的驾驶员的额外超额费用
• 挡风玻璃超额付款
• 医疗费
• 第三方财产损失
• 个人物品
• 交通津贴
• 附加服务包括：无索赔折扣、代步车、锁和钥匙更换、额外的人身意外保险
• 如果您的汽车损坏不是您的过错，SingLife 将保留您的无索赔折扣 (NCD)。该公司还声称其 NCD 罚款最低为 10%。
• 凭借其尊贵计划，年轻且缺乏经验的司机在发生事故时将无需支付更多费用。
• SingLife 提供高达 30% 的可叠加促销活动。请务必访问其网站以了解优惠和折扣。

安联保险新加坡私人有限公司 (Allianz Insurance Singapore Pte. Ltd.) 成立于近年来，旨在为个人、中小企业和中型企业提供解决方案。2022 年，该公司获得了标准普尔的A+ 评级。

Allianz Motor Protect 提供三种计划：仅限第三方、仅限第三方火灾和盗窃以及综合

Third-Party Only Third-Party Fire And Theft Only Comprehensive:

• Damage To Third-party Property
• Death Or Injury to Third-Party
• Legal Representation And Defense
• Optional Cover with additional premium: No Claim Discount (NCD) Protector

Third-Party Fire And Theft Only:

• Loss Or Damage To Car By Fire And Theft Only
• Damage To Third-party Property
• Death Or Injury to Third-Party
• Legal Representation And Defense
• Optional Cover with additional premium:
  No Claim Discount (NCD) Protector
• Loss Or Damage To Car By Accident Or Theft
• Loss Or Damage To Car By Fire And Theft Only
• Taxi Reimbursement
• Towing Costs
• Authorised Repair Limit
• Damage To Third-party Property
• Death Or Injury To Third-party
• Legal Representation And Defense
• New For Old’ Replacement Car
• Courtesy Car
• Daily Transport Allowance
• 24/7 Roadside Assistance
• Lifetime Warranty On Repairs
• Unlimited Windscreen Cover
• Optional Cover with additional premium:

1. 无索赔折扣 (NCD) 保障计划

2. 任何维修厂的维修

3. 个人意外及医疗费用

• 通过购买 Allianz Motor Protect，您可以享受以下好处：终身维修保修、免费礼宾车、以旧换新车、免费 24/7 路边援助和灵活的访问权限。

除了汽车保险外，Income Insurance Limited（Income Insurance）还提供人寿、健康和一般保险。Income Insurance Limited 以创新解决方案为核心，是新加坡领先的综合保险公司之一。

拥有 Drive Car Insurance，您可以获得以下好处：

Benefits Coverage Enhancements:

• Reimbursement of expenses incurred for vehicle repairs arising from accident
• Personal accident benefits and medical expenses coverage in the event of an accident
• Coverage for third-party property damages arising from accident.
• Coverage for towing services and unlimited windscreen cover
• Roadside assistance and wellness cover
• Personal accident benefits and medical expenses coverage in the event of an accident.
• Coverage for third-party property damages arising from an accident
• Coverage for towing services and unlimited windscreen cover
• Roadside assistance and wellness cover
• Premium Plan
• Prestige Plan
• Extension Rider
• Daily transport allowance
• Income also offers coverage for electric vehicles.
• Motor Service Center: The in-house accident reporting center will assist you in accident reporting procedures, accident claims advisory and submission of private settlement forms.
• Orange Force: Its dedicated accident response team will provide accident assistance from anywhere in Singapore

选择汽车保险提供商时，请考虑保险范围、保费成本、索赔流程、客户服务和额外福利。为了获得最佳价值，请比较报价、阅读评论并熟悉保单条款。如需更详细的指导，请查看我们的汽车保险购买技巧。

Singapore, known for its well-maintained roads, is generally a safe place to drive. However, accidents can happen unexpectedly, and having the right car insurance is essential, particularly for international drivers. So, don’t delay; take the necessary steps to secure the best car insurance in Singapore for your International Driving Permit and enjoy the freedom of exploring Merlion City with peace of mind.

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