Motor insurance

Motor insurance

Motor insurance

Under the Motor Vehicles (Third-Party Risks and Compensation) Act (Cap.189), Rev. Ed. 2000, every vehicle owner must have in force an insurance policy to indemnify their legal liabilities arising from an accident to cover death or bodily injuries to a third party in connection with the use of the motor vehicle on the road.

It is an offence to drive a vehicle on a public road without a valid Motor Vehicle Insurance policy.


Minimum cover as required by Motor Vehicles (Third-Party Risks and Compensation) Act, (Cap. 189) 2000 which cover death or bodily injuries of third-parties.

Third-Party Only

Third-Party insurance indemnifies the insured for third party bodily injury under the Act and damage to third party property in the event of a motor accident.

Third-Party, Fire and Theft

In addition to the Third-Party insurance, it also includes loss or damage to the motor vehicle due to fire and loss of the motor vehicle due to theft.


Accidental damage to the insured vehicle including ACT, Third Party, Fire and Theft.

Insurer compute the premium based on the following profiles:

1)   Insured’s profile

  •      Age, gender and occupation
  •      Driving experience
  •      NCD entitlement
  •      Claim history

2)   Vehicle’s profile

  •      Make and model
  •      Engine capacity
  •      Age of vehicle
  •      Usage and purpose 

If you like to know more, please Contact Us.

Scroll to Top
× How can I help you?