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MSIG Car Insurance Singapore

MSIG car insurance Singapore products are categorised into two main brands. The difference? It all boils down to your driving lifestyle and how much you’re willing to spend to get protected. Rest assured, all the plans that fall into these two categories give you maximised coverage and savings.

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Why you should choose MSIG car insurance

24-hour Automobile and Medical Assistance Services

From emergency towing to roadside assistance, vehicle repatriation to locksmith referrals and more, MSIG ensures prompt assistance whenever an accident occurs.

Windscreen Cover

When you choose to have your broken windscreen repaired instead of replaced, your excess of $100 will be waived.

Car loan protection

Get $100,000 worth of car loan benefits with MSIG’s MotorMax Plus to cover any outstanding car loan if you (as a policyholder) die in a car accident.

Hassle-free virtual repair/claims approval

Look forward to lesser waiting time on your claims with MSIG’s Video Interaction Technology, whereby MSIG’s surveyors can assess and approve your car repairs virtually and you’ll receive instant notifications of your claims approval.

Authorised workshops island-wide

Flexibility to have your car’s accident repairs done at MSIG’s list of authorised agent workshops, or at a workshop of your choice.

Transport allowance

MSIG guarantees a transport allowance of $50 per day for you if your car repair takes longer than expected.

“New for Old” replacement

MSIG will replace it with a brand new car for you in the situation that your car becomes irreparable post-accident, but your original car has to be less than 12 months old.

MSIG Car Insurance Add-ons

Your preferred workshop

MotorMax Plus lets you have your car repaired at the workshop of your choice (do not have to be MSIG’s list of authorised agent workshops).

NCD Protector

This add-on is available only to holders of 30% NCD or higher at an additional premium. It protects your NCD entitlement in the event of a first claim in the policy year.

Young Driver Excess Waiver

This excess (the first amount of any claim to be borne by you) will only be applicable for loss or damage when your insured vehicle is driven by any person (other than you as the policyholder) who is under 27 years old and/or holds a valid driving licence for 2 years or less.

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At MoneySmart, we help you compare car insurance quotes online from our comprehensive list of car insurance partners.

MSIG Car Insurance Singapore Review

Features & Benefits

  • Complimentary 24-hour Automobile and Medical Assistance Services in case of breakdowns
  • Vehicle repairs at MSIG’s authorised workshops or your preferred workshop (with MotorMax Plus)
  • “New for Old” replacement of your car in the event of an accident
  • Transport allowance of $50 per day while your car is under repair after an accident
  • Claim benefits of up to $100,000 of the outstanding loan of your car in the event of accidental death of the car owner
  • Coverage includes driving in West Malaysia and parts of Thailand

MSIG is best known for

  • MotorMax Plus which provides up to $100,000 worth of car loan benefits to cover any outstanding car loan if you (as a policyholder) die in a car accident
  • Quick and hassle-free claim process through MSIG car insurance online portal
  • Attractive promotions available

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How to apply for your Car Insurance plan

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Applying for a Car Insurance Policy through MoneySmart

Step 1

Answer Some Questions

If you find downloading insurance policy brochures and comparing them side by side a hassle, use our intelligent system to compare the different car insurance policies for you. Answer some questions online and we'll have you going.

Step 2

Speak To Our Insurance Specialists

After you submit your answers, our expert insurance specialist team members may drop you a call to clarify your needs and explain your options to you. Seize this chance to ask our friendly colleagues the burning questions you may have about car insurance!

Step 3

Apply And Purchase Your Car Insurance

Once you have spoken to our insurance specialists, considered your options, and planned your finances, you are ready to apply for your car insurance plan with our guided assistance.

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MSIG Car Insurance Claims

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How Do Claims Work?

Firstly, you’ve got to be clear of the parties involved in a car accident before you make a claim.

The First Party

Once you’ve purchased a car insurance policy from MSIG, you become the First Party in the terms of the contract.

The Second Party

MSIG, as the insurance company from whom you have purchased the policy by paying the insurance premium for your vehicle, is the Second Party in the contract.

The Third Party

Someone other than the First (you) and Second Party (MSIG). It can be anyone. For example, another driver on the road or a cyclist on the street.

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Here are 6 steps to a successful car insurance claim

Step 1

Report to MSIG within 24 hours of the accident

Be it a First Party or Third Party Claim, MSIG requires claim reports to be made within 24 hours. You have the option of calling their 24-hr helpline at +65 6827 7660 or e-filing the accident report through MSIG's authorised workshops within 24 hours, or the next working day of the accident. It is best to inform MSIG within 24 hours regardless of whether or not you intend to claim on your own policy or if your car is damaged.

You’ll also be required to make a police report at the nearest police station within 24 hours if injury is involved in the car accident you’re in, or when a government vehicle or property is damaged e.g. road dividers, lamppost, etc. These actions are needed so as to avoid breaching the policy’s terms and conditions, which may affect your claim process.

Step 2

Take damage and accident scene photos

Take photos with tight shots and wide shots from various angles to ensure that you get sufficient photographic footage of the scene and context of the accident. The license plates of all vehicles involved should be photographed as well, as all these might be needed as evidence for MSIG to process your claim. This is mandatory for both First Party and Third Party Claims.

Step 3

Get the other driver’s contact details

This step will not be applicable for First Party Claims. For Third Party Damage Claims, you will need his/her contact details which include:

  • Driver names of all involved
  • NRIC numbers
  • Address of driver / drivers
  • Car insurance company of vehicles involved
  • Contact numbers

Step 4

Avoid moving the vehicle

Do not move the vehicle or vehicles involved in the accident unless they are in the middle of the road and pose a safety hazard. When it comes to Third Party Damage Claims, moving the vehicles may give MSIG and the other driver’s insurance company a chance to dispute your claim.

Step 5

Submit claim report to MSIG

After notifying MSIG, MSIG will send professional help to assist you at the accident site and arrange for medical attention, vehicle removal and alternative transportation. You are required to make an e-report with your Motor Certificate of Insurance and/or submit a claim in person at any of their authorised workshops.

If you’re planning to pay off the repair costs on your own to save on claim cost or protect your No Claim Discount (NCD), you’ll still have to lodge a report at any of MSIG’s authorised workshops. Do remember to call the authorised workshop before dropping by.

Step 6

Get your car fixed at any MSIG authorised workshop

While some insurers like MSIG offer complimentary towing, lockout or battery jumpstart services, others may require you to use only tow trucks belonging to their or a partner company. Only use your insurer’s tow service, as any other tow service might complicate your claim. Seek advice from MSIG’s 24-hr helpline at +65 6827 7660 if you are unsure. You have the option to send your car to the workshop of your choice instead of MSIG’s authorised workshops if you’ve got the “MotorMax Plus” add-on.

More things to know

MSIG Car Insurance Refunds & Cancellations

You must notify MSIG in writing if you wish to cancel your policy. Then, you must submit a Certificate of Insurance (COI) or a statutory declaration within 7 days of cancellation. For assistance, you may call the Customer Service Hotline at +65 6827 7602 (8:45am to 5:30pm on weekdays).

MSIG Car Insurance Contact Number

For accident and emergency or general enquiries, call +65 6337 1208 (available 24/7).

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Frequently Asked Questions

How do I get a car insurance quote?

MSIG provides an instant quote that can be accessed at Just go to the Claim sections under Motor, and click on “Buy Online” to start.

Where can I find MSIG car insurance authorised workshops?

A complete list of all approved workshops by MSIG can be found on their website.

Are there promo codes for car insurance in Singapore?

MSIG offers promotions for car insurance in Singapore from time to time. You may visit their website for an updated list of promotions that are currently running.

How do I cancel my car insurance?

To cancel your policy, your must return the original Certificate of Insurance (COI). It will take effect on the date MSIG receives your original COI.

Can I renew my MSIG car insurance online?

Yes you can. Renewing your MSIG car insurance online allows you to get NCD Protector benefits.