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Car Insurance in Singapore Explained

Drive a car in Singapore, Own a car in Singapore

Car Insurance in Singapore

If you own a car in Singapore, you must have car insurance. It's not just a legal requirement; it's also a smart way to protect yourself and your car from unexpected accidents and damages.

But with so many different car insurance policies available, choosing the right one for your needs can be confusing. In this article, we'll explain everything you need to know about car insurance in Singapore.

What is Car Insurance in Singapore?

Car insurance is a type of insurance that protects you financially in the event of an accident. If you are involved in an accident, your car insurance policy will pay for the damages to your car, as well as the damages to other people's property and injuries to other people.

Car insurance can also help you pay for your medical expenses if you are injured in an accident.

Car insurance is important because it protects you from financial ruin in the event of an accident.

Even if you are not at fault in an accident, you could still be responsible for paying for the damages to other people's property and injuries to other people. If you do not have car insurance, you could be forced to pay for these costs out of your own pocket, which could be very expensive.

Types of Car Insurance Policies in Singapore

There are three main types of car insurance policies in Singapore:

  1. Third-party only (TPO) insurance,
  2. Third-party, fire and theft (TPFT) insurance, and
  3. Comprehensive insurance.

Third-Party Only (TPO) Insurance

TPO insurance is the most basic type of car insurance in Singapore.

It only covers damage or injury caused to other people or property by your car. This means that if you get into an accident and you are at fault, your insurance company will only pay for the damage or … Read the rest

Top 5 rules of driving in Singapore safely and legally during COVID-19 Circuit Breaker period

when to drive, when to wear a mask, where to park and to go.

Drive a car in Singapore, Own a car in Singapore

Top 5 rules of driving in Singapore safely and legally during COVID-19 Circuit Breaker period

During the COVID-19 Circuit Breaker period (now, till June 1, 2020), you need to follow some new rules and regulations (in addition to the existing rules, e.g., speed limit) to drive in Singapore.

Some of these rules may be vague because they were tabled without extensive debating or deliberating and may be revised when the pandemic situation changes.

This post summarizes the top 5 rules of driving in Singapore safely and legally during COVID-19 Circuit Breaker period for private car drivers: when to drive, when to wear a mask, when it is unnecessary to wear a mask, where to park if you drive to exercise, and where to go for exercises.

Taxi drivers, private-hire car drivers, and delivery car drivers have to follow some specific rules and therefore are NOT covered in this post.

Please also note, you are not allowed to drive north to Malaysia during this period. Malaysia has closed the two checkpoints (Sultan Iskandar Complex and Sultan Abu Bakar Complex) for Singapore private drivers since March 18.  Movement Control Order has been extended to May 12, 2020.

Rule #1: Stay at home unless you really need to go out

The purpose of the COVID-19 Circuit Breaker is to minimize or slow down the spreading of the virus in the communities in Singapore.

To keep you safe, you should try to stay at home. Once you step out of the door, you may expose yourself to the virus.

Of course, if you have to go out, for example, to buy groceries, to see a doctor, to fetch your family member who has to work, then you are allowed to go out and drive.

Based on the latest recommendations and regulations, you have to wear a mask once you leave your home, or leave your car.  … Read the rest

What is the Singapore Road Speed Limit?

Get to know the different speed limits of different roads and penalties for speeding in Singapore

Drive a car in Singapore

Singapore road speed limitIf you “assume” you know the speed limit on Singapore roads, you may end up spending.

This driving in Singapore guide explains the different Singapore road speed limits to help you drive safely in Singapore.

Why do you need to know the Singapore road speed limit?

Just like many other countries, Singapore imposes the maximum allowed speed on all roads.

All vehicles, except fire engines, ambulances, police cars, SCDF cars, and government cars that are on duty,  must not exceed the gazetted speed limit for that road or that section of the road.

Different roads and different sections of a road may have different speed limits. In school zones, the speed limit depends on the time.

The penalty for speeding in Singapore is severe (read on).

Besides, keeping your vehicle within the speed limit can help keep you safe on the road.

To avoid speeding penalties and for your own safety, you need to know the speed limit on Singapore roads.  For example, many drivers assume 90km/h is the speed limit in expressways in Singapore. Actually, in some sections, the speed limit is 70km/h or 80km/h.  Similarly, some roads in Singapore have a speed limit of 40km/h instead of the well-known 50km/h.

What is the “default” Singapore road speed limit?

By law, the default speed limit of Singapore roads is 50km/h if the speed limit of that road is not gazetted.

But do not assume.

What are the different speed limits of Singapore roads?

school zone: different speed limits of Singapore roadsIn school zones, the speed limit is reduced to 40km/h in the morning ( from 6.30 am to 7.45 am), afternoon ( from 12.00 pm to 2.30 pm)  and evening (from 6.00 pm to 7.00 pm) on school days. During this period, you will see the  “40km/h When Lights Flash” sign flashing as shown … Read the rest

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