What information do I need for a car insurance quote in Singapore?

In order to receive a car insurance quote in Singapore, every driver must prepare specific information before attempting to get one. A quote will vary greatly depending on many factors such as the car type, the type of insurance you’re looking for, and your own driving history, among other information needed. In today’s article, Kwiksure Singapore will share with you tips on the information you need to provide to get the most accurate car insurance quote in Singapore.

What is a car insurance quote?

An insurance quote is an estimate of what your rate could be with one or different potential insurers. You can obtain a car insurance quote in Singapore online, by phone or in person, either through an agent, a broker or directly with an insurer.

A quote isn’t the exact amount of your future premium, as the final price will vary depending on how much information you give at the time of the quote. Only after the insurer processes all the necessary information and checks your driving and claim history, can you expect to get your actual premium rate. 

What information do I need for a car insurance quote in Singapore?

To receive a car insurance quote, you will be asked to provide certain information to the insurer. Usually, for your first online quote, you will be asked about things such as:

Desired coverage

You need to know what kind of insurance plan you are looking for when looking to get a car insurance quote in Singapore. Quotes will vary drastically between comprehensive plans, third-party only, and third-party fire and theft coverages.

Vehicle details

When applying for a quote, you will have to provide information about your vehicle such as:

• Make and model
• Year of manufacture
• Body type
• Number of doors and seats,
• Chassis number, engine number, number of cylinders
• Mileage
• Garaged address
• Name of registered owner
• Whether the vehicle is a private car or will be also used for work

Personal details of the car owner

As a primary driver and car owner, you are required specific data about yourself, namely:

• Your age
• Occupation
• Your address
• Driving experience
• Driving history and
• Driving demerit points (if any) is needed by insurers
• Resident status and NRIC/FIN of the car owner

A driving history can include things such as:

• Ticket and accident history
• License suspension information
• Years of experience driving

Driver’s details

In this section, you also need to list the other drivers that will be using the insured car. You should be able to provide:

• Names of other licensed drivers in your household
• Their driving license numbers
• Their driving history
• Years of experience driving
• Their age and occupation
• Any excluded drivers

Off-Peak Car

Having your car registered in the OPC scheme can save you on average 5% of your car insurance premium. Mention it when looking for a car insurance quote in Singapore.

Get the best car insurance quote in Singapore by working with a broker

Shopping around for car insurance in Singapore, or anywhere in the world, with the help of a broker has many advantages for you as a customer. Firstly, you can compare quotes from many insurance companies in one place, such as our online quotation tool. Opposite to brokers, agents work for a single insurer, and if you want to compare many quotes, you must go through many agents to do so.

And since brokers get commission from the insurers for every sold plan, there is zero additional cost on your side for using broker services. Quite often brokers, such as Kwiksure Singapore, offer a wide range of additional services, such as claims and renewals assistance.

Save yourself the time and hassle of comparing car insurance quotes in Singapore, and expect the best services possible when working with an insurance broker.

What else should I know about car insurance in Singapore?

Car insurance can be complicated at times, especially if you’re new to it, or to the local Singapore regulations. That’s why we also recommend you read our previous articles about 5 things you should know about Singapore auto insurance and Important motor insurance terms for Singapore.

If you still have any questions or uncertainties, go ahead and contact us today for a free chat and a car insurance quote in Singapore!