Motor Insurance
MOTOR VEHICLE INSURANCE
Private Motor Vehicle — Comprehensive
Driving a motor vehicle without a valid insurance policy to cover third-party bodily injury is against the law in Singapore. This is important so that traffic accident victims can be covered by insurance. Motor insurance assures you of a worry-free trip on the road for your beloved car. It is also a prerequisite for road tax renewal.
在新加坡，法律规定必须购买汽车保险，至少要涵盖第三者人身伤害。交通事故的受害者才能获得保险的赔付。汽车保险让您在路上驾驶能够无忧无虑。而在车主更新路税前，必须先更新汽车保险。
Motor Vehicle — TPFT
The Third-Party, Fire and Theft (TPFT) will cover damages to your car when involved in an accident, this plan also covers any loss or damage if your car catches fire or gets stolen. This insurance policy scheme saves your pocket from losses due to the injuries and damages inflicted on third parties and their properties in such events.
第三者火险及失窃保险（TPFT）除了一般保障范围之外，亦会保障投保汽车因火灾及失窃所引致的损毁及损失。此保险也会替您省下一些费用，保障您因涉及火灾或失窃而造成的第三者或其财产损失。
Motor Vehicle — TPO
Driving a motor vehicle without a valid insurance policy to cover third-party bodily injury is against the law in Singapore. The Motor Vehicle Third Party Only (TPO) offers the most basic form of insurance coverage, this plan does not cover the cost of repairs of your own car, it protects affected third parties, for example, an injured pedestrian that’s been proven to be your fault. Motor insurance assures you of a worry-free trip on the road for your beloved car. It is also a prerequisite for road tax renewal.
在新加坡，法律规定必须购买汽车保险，至少要涵盖第三者人身伤害。第三者责任保险（TPO）提供最基本的保险保障，不包括您自己的汽车维修费用，它只保护受影响的第三方，例如证明是您的过错，导致行人受伤。汽车保险让您在路上驾驶能够无忧无虑。而在车主更新路税前，必须先更新汽车保险。
Commercial Vehicle —Comprehensive
If your vehicle is not purely for personal use in daily life, but for commercial use in order to perform duties, then you need to purchase commercial vehicle insurance. Your commercial vehicle is a vital part of your business, this insurance policy offers peace of mind to help your business on the move. Protect your commercial vehicle or an entire fleet from unnecessary disruptions.
若你的车辆并非纯为个人日常生活使用，而会在履行职务时作商业用途，那便需要购买商用汽车保险。您的商用车辆是业务组成的重要部分，此保险能帮助您的业务顺利进行。保护您的商用车辆或整个车队免受不必要的干扰。
Commercial Vehicle — TPFT
The Thid-Party, Fire and Theft (TPFT) will cover damages to your commercial car when involved in an accident, this plan also covers any loss or damage if your car catches fire or gets stolen. This insurance policy scheme saves your pocket from losses due to the injuries and damages inflicted on third parties and their properties in such events.
第三者火险及失窃保险（TPFT）除了一般保障范围之外，亦会保障投保商业汽车因火灾及失窃所引致的损毁及损失。此保险也会替您省下一些费用，保障您因涉及火灾或失窃而造成的第三者或其财产损失。
Commercial Vehicle — TPO
If your vehicle is not purely for personal use in daily life, but for commercial use in order to perform duties, then you need to purchase commercial vehicle insurance. Your commercial vehicle is a vital part of your business, this insurance policy offers peace of mind to help your business on the move. The Commercial Vehicle Third Party Only (TPO) offers the least protection, this plan only pays when third parties get affected.
若你的车辆并非纯为个人日常生活使用，而会在履行职务时作商业用途，那便需要购买商用汽车保险。您的商用车辆是业务组成的重要部分，此保险能帮助您的业务顺利进行。第三者责任保险（TPO）提供最少的保障，仅在第三者受到影响时获得索赔。
Motorcycle Insurance
Motorcycle insurance is an important measure to protect the rider and other road users.
It usually provides coverage against bodily injury and property damage liability. The portions of premiums are cheaper for motorcyclists than for car owners because you are less likely to cause substantial damage to other motorists and their property on a bike than in a car.
摩托车保险是用于保护骑士和其他道路使用者的重要措施，通常提供免受人身伤害和财产损失责任的保障。摩托骑士的保费部分比车主来得便宜，因与汽车相比，骑士对其他驾驶者及其财产所造成重大损害的可能性较小。
Motor Fleet
Motor fleet insurance is a multi-vehicle insurance policy that insures every vehicle in your company’s ownership under one master policy. This means that even mixed-use vehicles can be insured together, without the need to take out individual policies for every vehicle in your fleet
车队保险是一种多车辆保险单，在一个主要的保单下为公司所拥有的每辆车辆提供保险。这意味着即使是混合用途的车辆也能够一起投保，公司无需为车队中的每辆车进行单独投保。
Motor Trade Insurance
Motor trade insurance is a policy that covers businesses involving the buying, selling, repairing or maintenance of vehicles. This policy protects you against accidental damage or other risks that arise while driving your own vehicles, as well as customer vehicles in your possession.
汽车贸易保险是一项涵盖涉及购买、销售、维修或保养车辆业务的保单。万一您在驾驶公司的车辆或客车辆时，出现意外事故或其他风险，此保险能够提供所需的保障。
Private Hired Motor Vehicle
Private hired cars provide Point-to-Point (P2P) passenger transportation services for the public. All vehicles that are intended for private-hire use must be converted to Z10/Z11 classification. Car owners are required to purchase commercial insurance for private-hire coverage. Both Grab and Go-Jek will require all vehicles to be converted to Z10 and have valid commercial insurance in place.
私召车为公众提供点对点（P2P）载送服务。所有供私人租用的车辆必须转换为 Z10/Z11 代码。车主必须为车辆购买商业车用保险。 Grab和 Go-Jek也要求所有车辆转换为 Z10代码 ，并拥有有效的商业保险。