Great Eastern Car Insurance: Key Features & Benefits
Great Eastern offers two distinct car insurance products for Singapore drivers: Drive and Save Plus for petrol and conventional vehicles, and GREAT EV Protect for electric vehicles.
As Singapore's oldest insurer and an OCBC subsidiary under full MAS regulation, Great Eastern combines over a century of financial strength with comprehensive, flexible coverage designed to make your journey safer and easier.
As Singapore's oldest insurer and an OCBC subsidiary under full MAS regulation, Great Eastern combines over a century of financial strength with comprehensive, flexible coverage designed to make your journey safer and easier.
Great Eastern Car Insurance Plans: Comparison
The table below breaks down all five plans—showing exactly what you get, who qualifies, and what's not covered.
❌ Hire-and-reward use: Using your private car for Grab, GrabHitch, or other commercial ride-hailing services voids coverage.
❌ Unlisted drivers: Only drivers listed on your policy are covered; accidents caused by unauthorised drivers are excluded.
❌ Wear and tear: Normal deterioration, mechanical breakdowns, and age-related damage are not covered, even under Comprehensive or EV plans.
❌ Own vehicle damage: Damage to your own car is not covered under Third-Party Only plans.
❌ Driving under the influence: Accidents while intoxicated or under the influence of drugs are not covered.
| Plan Name | Plan Tier | Key Benefits | Optional Add-ons |
|---|---|---|---|
| Great Eastern Drive and Save Plus | Comprehensive (Authorised Workshop) |
Excess waiver up to $500 24/7 roadside assistance (Singapore, West Malaysia & Thailand) Up to S$1,000 medical expenses coverage Up to S$120,000 personal accident coverage Safe driver bonus: 5% discount with no demerits (3 years) |
NCD Protector (40–50% NCD) Loss-of-Use: $80 per day (7–15 days) |
| Great Eastern Drive and Save Plus | Comprehensive (Any Workshop) |
Workshop flexibility (any repairer) 24/7 roadside assistance (Singapore, West Malaysia & Thailand) Up to S$1,000 medical expenses coverage Up to S$120,000 personal accident coverage Safe driver bonus: 5% discount with no demerits (3 years) |
NCD Protector (40–50% NCD) Loss-of-Use: $80 per day (7–15 days) |
| Great Eastern Drive and Save Plus | Third-Party, Fire & Theft |
Third-party liability coverage Fire and theft protection for your vehicle 24/7 roadside assistance |
Loss-of-Use: $80 per day (7–15 days) |
| Great Eastern Drive and Save Plus | Third-Party Only |
Third-party injury and damage coverage Legal liability protection |
N/A |
| GREAT EV Protect | Comprehensive (EV) |
All Comprehensive (Any Workshop) benefits above Private charging station protection Electric shock medical coverage |
NCD Protector (40–50% NCD) Loss-of-Use: $80 per day (7–15 days) |
Note: Feature availability may vary by specific product variant and individual circumstances. Always review the policy wording for a complete list of benefits and exclusions.
Great Eastern car insurance policy exclusions
❌ Hire-and-reward use: Using your private car for Grab, GrabHitch, or other commercial ride-hailing services voids coverage.
❌ Unlisted drivers: Only drivers listed on your policy are covered; accidents caused by unauthorised drivers are excluded.
❌ Wear and tear: Normal deterioration, mechanical breakdowns, and age-related damage are not covered, even under Comprehensive or EV plans.
❌ Own vehicle damage: Damage to your own car is not covered under Third-Party Only plans.
❌ Driving under the influence: Accidents while intoxicated or under the influence of drugs are not covered.
Explore Car Insurance Plans in Singapore
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Up to S$120,000
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Up to S$1,000
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Up to S$500 off
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Personal accident coverage
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Medical expenses for driver and passengers
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Repair excess waiver on 1st claim
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(Any / Authorised Workshop)
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Up to S$2,000
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Up to S$5,000
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Up to S$20,000
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Medical expenses coverage
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Accidental damage to private charging station
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Home protection against fire damage from EV charging station
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(Any Workshop)
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Up to S$20,000
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Up to S$300
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Unlimited
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Personal accident coverage
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Medical expenses coverage
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Death or injury to third party coverage
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Up to S$50,000
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Up to S$500
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S$750 or otherwise
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Personal accident coverage
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Medical expenses coverage
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Standard excess for each claim
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(TPO / TPFT / Comprehensive / Comprehensive Family + NCD Builder)
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Up to S$50,000
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Unlimited
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Up to S$300
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Personal accident coverage
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Death or injury to third party coverage
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Free coverage for child seat
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(Any / Authorised Workshop)
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Meet our insurance specialists Drive with the right protection at the right price. Our specialists don't just push one-size-fits-all policies. We help you navigate the car insurance market to compare coverage, maximise your savings, and ensure your plan is tailored to your specific driving needs. Meet our qualified team specialising in car insurance. |
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Great Eastern Car Insurance: Eligibility Criteria
| Residency | Singapore citizen or Permanent Resident with a valid NRIC or FIN. |
| Vehicle Registration | Car must be registered in your name and used for private, non-commercial purposes. |
| Driving Record | Clean driving record with fewer than 3 at-fault claims within the past 3 years. |
| Driving Licence Status | Valid driving licence with no revocation, suspension, or DUI conviction in the past 3 years. |
How to Buy Great Eastern Car Insurance: Step-by-Step Guide
Buying car insurance can feel like navigating a maze, especially when you're juggling COE renewal deadlines, comparing quotes, and trying to figure out which add-ons you actually need. Great Eastern's application process is straightforward when you know what to expect and what to prepare.
Step 1
Check your eligibility
Confirm you meet Great Eastern's basic requirements before starting your application.
Required criteria:
- Singapore citizen or PR with valid NRIC/FIN
- Car registered in your name for private, non-commercial use
- Clean driving record: <3 at-fault claims in the past 3 years
- No licence revocation, suspension, or DUI conviction in the past 3 years
Note: Ride-hailing services (GrabCar, GrabHitch) require commercial coverage and are not covered under private car insurance plans.
Step 2
Gather your information
Have these documents ready to speed up your application:
- NRIC or FIN
- Car registration details (make, model, registration year)
- Current No Claim Discount (NCD) percentage (if applicable)
- Driving history (past claims, accidents, traffic violations)
- Current policy document (if renewing from another insurer)
💡 First-time buyer? Your vehicle registration card and identification are usually sufficient.
Step 3
Obtain premium quotes from MoneySmart specialists
Connect with our MoneySmart car insurance specialists on this page to compare Great Eastern plans alongside other insurers and secure the best premiums for your driving coverage needs.
Our specialists will help you with:
- Personalised quote comparisons across multiple insurers
- Advice on choosing the right coverage type (Comprehensive, Third-Party Fire & Theft, Third-Party Only)
- Identifying applicable discounts (NCD, safe driver bonus)
- Evaluating optional add-ons (NCD Protector, Loss-of-Use)
- Tailored recommendations based on your car's age, value, and driving habits
Step 4
Submit your application
Once you’ve selected your preferred plan with our specialists’ guidance, they’ll handle the application on your behalf.
- Complete application forms with your personal information
- Submit all required documents (NRIC, vehicle registration, NCD proof letter)
- Liaise directly with Great Eastern for approval
- Keep you updated on application status
Step 5
Make payment & activate policy
Finalise payment once your application is approved.
Payment options:
- Credit/debit cards
- Online banking
- PayNow
After payment:
- Policy activates on your selected start date
- Digital policy documents sent via email or eConnect account
- Insurance certificate issued (legally required in vehicle)
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MoneySmart pulls quotes from 10 insurers so you don't have to. Compare premiums, NCD protection, medical coverage and more—all in one place.
How to Make a Claim With Great Eastern Car Insurance
Immediate steps after an accident
If you're involved in a car accident, your first priority is safety, then documentation.
What to do right away:
- Ensure everyone's safety and call emergency services if there are injuries
- Take photos of the accident scene, vehicle damage, and surrounding conditions
- Exchange information with other parties (name, contact, vehicle registration, insurance details)
- Note witness contact information if applicable
- For accidents involving injury or significant damage, file a police report
Reporting your claim
Contact Great Eastern's 24/7 claims hotline immediately after the accident. You can also initiate claims through the eConnect portal or mobile app for non-urgent situations.
Please provide:
- Policy number and personal details
- Date, time, and location of incident
- Description of what happened
- Photos and documentation
- Police report reference (if applicable)
- Third-party information (for accidents involving other vehicles)
Claims timeline and process
Great Eastern assigns a claims officer to guide you through the process. For straightforward claims with clear liability, you can typically expect initial assessment within 1-3 business days. More complex cases involving disputes or investigations may take longer.
Track your claim digitally: Monitor progress, upload additional documents, and communicate with your claims officer through the eConnect portal or mobile app.
Workshop arrangements: If you have Comprehensive coverage, Great Eastern will coordinate repairs with your chosen workshop (authorised panel or any repairer, depending on your plan). For Authorised Workshop plans, they'll arrange towing and direct billing with the panel workshop.
Track your claim digitally: Monitor progress, upload additional documents, and communicate with your claims officer through the eConnect portal or mobile app.
Workshop arrangements: If you have Comprehensive coverage, Great Eastern will coordinate repairs with your chosen workshop (authorised panel or any repairer, depending on your plan). For Authorised Workshop plans, they'll arrange towing and direct billing with the panel workshop.
Great Eastern customer service & support channels
Need help? Great Eastern provides multiple ways to reach their team:
- 24/7 emergency hotline for accidents and urgent claims
- Business hours support for policy questions and general inquiries
- Email, live chat, and walk-in service centres
Visit Great Eastern's official website for contact details, operating hours, and branch locations.
FAQs About Great Eastern Car Insurance
How do I buy Great Eastern car insurance in Singapore?
- You can purchase Great Eastern car insurance through our dedicated team of MoneySmart car insurance specialists. Simply provide some personal details and they'll review your current car insurance coverage needs and gaps, provide personalised premium quotes, and offer specialised support throughout the application process.
Where are Great Eastern's car insurance offices and service centres in Singapore?
- Find the latest branch addresses, operating hours, and service centre locations on the official Great Eastern Singapore website. Most offices operate weekdays during standard business hours, excluding public holidays. For urgent claims or roadside assistance, Great Eastern's 24/7 hotline is available anytime.
What are the coverage limits and exclusions for Great Eastern car insurance?
Covered ✅ Not Covered ❌ Accidental damage to your vehicle (Comprehensive plans) Wear and tear or mechanical breakdown Third-party injury and property damage Damage while using your car for hire-and-reward services (Grab, etc.) Fire and theft (Third-Party Fire & Theft and Comprehensive plans) Accidents caused by unlisted or unauthorised drivers Medical expenses up to S$1,000 Driving under the influence of alcohol or drugs Personal accident coverage up to S$120,000 —
Review your specific policy document or check your eConnect dashboard for complete limits and exclusions that apply to your plan.How do I cancel my Great Eastern car insurance policy?
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Contact Great Eastern's customer support via hotline or email to initiate cancellation. You'll receive confirmation by email or letter, and may be eligible for a pro-rated refund depending on your policy's terms and conditions.
Check for administrative fees or notice period requirements. Your unused NCD can be transferred to a new insurer.
💡 Important: Ensure replacement coverage is active before cancelling. Driving without insurance is illegal in Singapore.
Can I insure a company-registered car with Great Eastern's personal car insurance?
- No. Great Eastern's Drive and Save Plus and GREAT EV Protect plans are designed exclusively for private vehicles registered for non-commercial use. Company-registered cars require commercial motor insurance.
If you need coverage for a corporate fleet or business vehicle, contact Great Eastern's customer support to discuss commercial insurance options tailored to your business needs. What happens if my car is declared a total loss under Great Eastern insurance?
If your vehicle is damaged beyond economical repair (total loss), Great Eastern will assess your claim and compensate you based on your car's market value at the time of loss—applicable only if you have Comprehensive coverage.
Additional considerations:
- You may be eligible for PARF (Preferential Additional Registration Fee) or COE rebates depending on your car's age
- Claim settlement timelines and required documentation will be communicated by your assigned claims officer
- Total loss is typically determined when repair costs exceed 70–75% of the vehicle's current market value
Does Great Eastern cover aftermarket modifications and accessories?
Standard Great Eastern car insurance policies typically cover factory-fitted accessories and original equipment only. Aftermarket modifications, such as body kits, custom audio systems, performance upgrades, or enhanced wheels, are generally not covered unless you declare them at the time of purchase and add them to your policy for an additional premium.
💡 MoneySmart Tip: Always declare all modifications to avoid claim complications or potential policy voidance. Undisclosed modifications can result in claim rejection.