FWD Car Insurance

At 3 different price points, FWD offers value-for money car insurance plans for every budget. Choose from Comprehensive Classic, Executive and Prestige, and enjoy lifetime 50% No Claims Discount (NCD) guarantee, 24-hour roadside assistance in case of breakdowns, repairs & extended workmanship guarantee at FWD’s premium workshops, extended legal liability cover if you accidentally hurt someone or damage property, and overseas coverage for driving in West Malaysia and parts of Thailand.

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Top 3 reasons to buy FWD

Top 3 reasons to buy FWD

Hassle-free claims

Put paperwork behind you: FWD’s car insurance claims process is fast, simple and intuitive, but best of all, it's fully mobile-friendly so you can get your claims done on the go.

Lifetime 50% NCD protection

Classic to Prestige, all Comprehensive FWD car insurance plans come with a lifetime No Claims Discount (NCD) guarantee, which means your hard-earned discount stays at 50% - no matter what.

Repair warranty at FWD premium workshops

When you fix your vehicle at FWD authorized workshops, repairs are guaranteed for workmanship defects until your car turns 10.

FWD Classic

FWD Classic

  • Excess

  • Personal Accident Coverage

  • Medical Expenses

The most affordable of FWD car insurance plans, the Comprehensive Classic is great for budget-conscious drivers who nonetheless want good coverage. It covers you for the usual stuff like vehicle repairs, third-party damages, medical expenses and more.
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FWD Executive

FWD Executive

  • Excess

  • Personal Accident Coverage

  • Medical Expenses

Great for families and/or drivers who need slightly more coverage, the Comprehensive Executive is FWD’s mid-tier car insurance plan. The coverage is similar to Comprehensive Classic, except with more benefits and higher claim limits. Additional benefits include personal belongings insured for up to $1,000, and courtesy car coverage for up to 3 months if your car is written off or stolen.
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FWD Prestige

FWD Prestige

  • Excess

  • Personal Accident Coverage

  • Medical Expenses

For super kiasu drivers who want to “bao ga liao”, opt for FWD’s most comprehensive plan, the Comprehensive Prestige. It basically covers you for everything the Comprehensive Executive plan covers you for, but with higher limits. Most notably, this plan provides a lump sum payment of $500,000 for surviving children if both parents die or are permanently disabled in a car accident. With such high benefits and personal accident coverage, this plan is great for families with children.
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Available Car Coverage

  • Your Preferred Workshop

    Add-on for flexibility to choose a non-authorised workshop

  • Customisable excess

    Adjust your excess according to your needs; the higher the excess, the lower your premium

  • NCD Protector

    Protect your No Claim Discount of 30% or 40% (good for one claim only)

  • Overseas Booster

    Enhanced emergency assistance & coverage while driving in Malaysia and Thailand

  • Young Driver Excess Waiver

    Pay more to waive the high excess for young drivers (27 years old and below)

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FWD Car Insurance Review

Features & Benefits

  • Lifetime 50% No Claims Discount (NCD) guarantee.
  • 24-hour roadside assistance in case of breakdowns
  • Repairs & extended workmanship guarantee at FWD’s premium workshops
  • Extended legal liability cover if you accidentally hurt someone or damage property
  • Coverage for driving in West Malaysia and parts of Thailand

FWD is best known for

  • Bang for buck as it bundles features and benefits
  • Easy claim process through FWD car insurance online portal
  • Generous promotions available

FWD Car Insurance Claims

FWD provides 24-hour roadside assistance & an online claims portal for your convenience.

  • If you get into a serious accident, keep calm and call the FWD Emergency Assistance hotline (+65 6322 2072). A response team will be on its way.
  • If your car is safe to drive, go to the nearest FWD Accident Report Centre (ARC). If not, call a FWD premium workshop to have it towed.
  • For a personal accident or medical expenses claims, simply log in through the FWD customer portal online.
  • For claims made against you, notify FWD and forward the third-party letter to [email protected] as soon as possible.

More things to know

  • FWD Car Insurance Refunds & Cancellations

    To cancel your policy, you must give at least 7 days’ written notice. If no claim has been made, you are entitled to a 95% refund of your pro-rated premium (min $25).

  • FWD Car Insurance Hotline

    Call +65 6820 8888 for general enquiries (9am to 10pm on weekdays, 9am to 1pm on sat) or +65 6322 2072 for emergency assistance (24/7). Alternatively, email FWD at [email protected]

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FAQs

  • Am I eligible to buy FWD car insurance?

    To qualify, you must be between 20 to 69 years old and cannot use your car for commercial purposes. Your car must also be 12 years old or younger. Use MoneySmart’s car insurance wizard to get the cheapest FWD car insurance quotes.
  • What is an “excess”?

    The excess is a minimum sum that is borne by you. For example, if your excess if $500 and the damages cost $5,000, you will pay $500 while the insurer pays the remaining $4,500. The standard excess is S$500 to S$2,500, depending on your car.
  • Does FWD cover me if I get paid for driving?

    No. FWD car insurance covers private use only, which means that if you won’t be covered if you are getting paid to drive. For commercial and/or private-hire drivers (like Grab drivers), you will need a commercial car insurance plan.
  • Does FWD cover car-pooling and car-sharing?

    Car-pooling is only covered if arrangements are made privately (and not through a commercial platform). That means you can arrange to car-pool with your friends, but not pick up passengers through GrabHitch or similar services. Car-sharing is not covered.
  • Does FWD car insurance cover floods?

    Yes, FWD covers damages caused by floods and most other natural disasters. Floods can cause severe damage to your car’s electric wirings and metal parts.
  • Will I get a replacement car while my car is being repaired at the workshop?

    No, but you will receive a daily transport allowance of $40 to $80 for 6 to 10 days, depending on the policy you have selected.
  • Can I renew FWD car insurance online?

    Yes. You keep your 30% to 40% NCD discount when you renew your car insurance.

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