Good experience dealing with Ken from moneysmart on car insurance. Quick response on queries. Professional done. Will use moneysmart again in the future.
MSIG Car Insurance
MSIG offers Singapore drivers two comprehensive car insurance plans: MotorMax, protecting your vehicle against accidental damage, theft, fire, and third-party liability, and MotorMax Plus, which adds benefits such as workshop flexibility, a daily transport allowance for repairs, car loan protection, and enhanced cover for electric vehicle owners.
Backed by Mitsui Sumitomo Insurance Group and fully regulated by the Monetary Authority of Singapore (MAS), MSIG combines a long-standing local presence with reliable claims service and market-relevant features designed for Singapore motorists.
Backed by Mitsui Sumitomo Insurance Group and fully regulated by the Monetary Authority of Singapore (MAS), MSIG combines a long-standing local presence with reliable claims service and market-relevant features designed for Singapore motorists.
MSIG Car Insurance Plans: Comparison
| Plan name | Key benefits | Optional add-ons |
|---|---|---|
| MSIG MotorMax (Authorised Workshop) |
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| MSIG MotorMax Plus (Any Workshop) |
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MSIG car insurance policy exclusions
❌ Private hire and commercial use: MotorMax and MotorMax Plus do not cover any form of private hire usage, whether Private Hire (Self-Drive) or Private Hire (Chauffeur), or other commercial use.
❌ Unauthorised drivers: Accidents while the car is driven by anyone other than an authorised driver are excluded.
❌ Driving under the influence: Accidents while the policyholder—or anyone driving with the policyholder's permission—is under the influence of alcohol or drugs are not covered.
❌ Wear and tear: Depreciation, normal deterioration, and mechanical or electronic breakdown are not covered under either plan.
❌ Loss of use: Loss of use of your vehicle, or any other consequential loss, isn't covered.
❌ Unregistered or modified vehicles: Accidents are excluded if your vehicle isn't currently registered or licensed, or if it's been modified without approval from the Registrar of Vehicles.
Disclaimer: Standard policy exclusions also apply to matters like war, terrorism, and nuclear/chemical/biological risks, as with all motor insurance policies in Singapore. Always review your policy wording for the complete list of exclusions and conditions.
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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MSIG Car Insurance: Eligibility Criteria
| Residency | Policyholder identified by NRIC, FIN, or Passport; not restricted to Singapore citizens/PRs |
| Vehicle registration | Car registered in your name for private, non-commercial use |
| Driving licence status | Valid Singapore driving licence held for at least 2 years; main driver at least 23 years old (extra excess may apply for drivers under 23 or with under 2 years' experience) |
How to Buy MSIG Car Insurance: Step-by-Step Guide
There's a lot to weigh when choosing car insurance—which plan fits, which add-ons are worth paying for, what documents you'll need. Here's what applying for MSIG car insurance actually involves, step by step.
Step 1
Check your eligibility
Check that you meet MSIG's basic requirements before you apply.
Required criteria:
Required criteria:
- Valid Singapore driving licence
- Private, non-commercial vehicle registered in your name
Note: Commercial or private hire vehicles aren't covered under MSIG's consumer car insurance plans.
Step 2
Prepare required documents
Prepare these documents ahead of your application:
- NRIC or Passport
- Vehicle registration number and details (make, model, year, engine capacity)
- Driving licence tenure and No-Claim Discount (NCD) status
- Details of past claims or traffic violations
Step 3
Obtain premium quotes from MoneySmart specialists
This is where our MoneySmart car insurance specialists and their expertise comes in. They’ll compare MSIG's plans against other insurers on your behalf and work out where you'll actually get the best deal.
Here's what they'll take off your plate:
Here's what they'll take off your plate:
- Matching you to MotorMax or MotorMax Plus based on your needs
- Comparing quotes across insurers so you're not stuck picking blind
- Flagging discounts you qualify for (like your NCD)
- Weighing whether add-ons like NCD Protector are worth it for you
- Factoring in your car's age and value along the way
Step 4
Submit your application
Once you and your specialist have landed on the right plan, they'll take care of the paperwork from there.
- Filling in application forms & submitting final document details
- Following up with MSIG directly to get your application approved
- Keeping you posted at every stage
Step 5
Make payment & activate policy
Once you're approved, it's just a matter of paying and you're covered.
How to pay: Credit / debit card or PayNow
What happens after: Your policy kicks in on the date you picked, your documents land in your inbox, and your insurance certificate arrives.
💡 MoneySmart Tip: Keep your car insurance policy in the car, it's a legal requirement!
How to pay: Credit / debit card or PayNow
What happens after: Your policy kicks in on the date you picked, your documents land in your inbox, and your insurance certificate arrives.
💡 MoneySmart Tip: Keep your car insurance policy in the car, it's a legal requirement!
What our customers say
4.4 rating of 2057 reviews
Ashley is an excellent customer service staff at MoneySmart. When my car insurance was due to expire next month, I sent a request for quotations via MoneySmart’s WhatsApp. Within a few minutes, Ashley responded with three insurance quotations. I decided to proceed with HLAS for my car insurance renewal. However, I made some mistakes when filling in my car details. Ashley not only spotted the errors but also took the initiative to contact HLAS to correct the information, allowing me to resubmit my application smoothly. She even assisted me on 1 May, which was a public holiday and her rest day. This truly reflects her strong commitment to her work and her genuine care for customers.
It's the service that truly differentiate MoneySmart from other players. Really like to give my heartfelt thanks to Arvin Curia, who promptly and diligently follow up with me on my car insurance application for the entire process. Even though there were minor hiccups along the way, he took the effort to check what went wrong and assisted me to the end. Thank you Arvin!!
Buying my car insurance from MoneySmart's Arvin has to be my best decision I have ever made in my experience over the course of the past 2 to 3 weeks. Arvin has the best recommendations of insurance choices for my needs and his after sales service is really Top Notch! I will definitely come back and buy from Arvin again once my policy ends.
Used MoneySmart to get car insurance. Agent Arvin Curia assisted me with the options and recommendation. When I got the insurance there was a few hiccups. However, it got rectified by the Agent! Good efficient service by the Agent.
Great experience with Arvin for my car insurance. He is proactive and prompt. Will work with him again.
The experience with Moneysmart for the purchase of car insurance had been seamless. The team was able to recommend best value for money options after considering my requirements. Kudos to Moneysmart team, and I hope my next renewal will be as seamless and pleasant!
Fast response by Ken chew and manage to find a good deal for my car insurance.
Happy with the assistance provided by Ken. It helped to get my car insurance conveniently and also saved me money by getting most affordable quote.
Amazing efficiency and professionalism. Great service rendered, helped save me the fuss with a great deal for my car insurance. Highly recommended!
The Cheapest Car Insurance Isn't Always One Google Search Away 🚗
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 MSIG Car Insurance
Immediate steps after an accident
In the event you’re involved in a car accident, make sure you and all passengers are safe first. Subsequently, document the accident details to ensure your claims process is as smooth as possible.
What to do right away:
What to do right away:
- If there are injuries, dial 995 for an ambulance or 999 for the police. Don't move the vehicles unless you need to rescue injured parties—move your vehicle to the side only if no one is hurt.
- Take photographs of the accident scene and damaged vehicles. MSIG's authorised workshops can help you download these if needed.
- Exchange information with the other driver / owner: Name, NRIC/FIN, phone number, email, insurer, and policy number, plus their vehicle registration number and details.
Reporting your claim
File a police report if the accident involves an injury case with 3 or more days of medical leave, a hit-and-run, or other reportable circumstances. Then bring your vehicle to an MSIG authorised workshop to lodge the accident report and submit your claim. Bring the required documents along so they can process your claim promptly.
Documents to have ready (varies by claim type):
For claim-related enquiries, you can contact MSIG’s claims hotline on weekdays from 8.45 am to 5.30 pm at +65 6827 7660.
Documents to have ready (varies by claim type):
- Lodging an accident report: IC / Passport, Motor Certificate of Insurance, driver's licence, police report (if any), photographs (if any)
- Repair claim: E-filed accident report, police report (if any), original photographs of damage, final repair bill and receipt
- Medical benefits claim: Original medical bills / receipts, medical report (if required)
- Personal accident claim: Police report, medical report (if required), and — in the event of death—a death certificate plus proof of relationship to the claimant
- Third-party property or bodily injury claims: E-filed accident report, police report, police final investigation result, medical bills/reports where applicable, and other supporting documents
For claim-related enquiries, you can contact MSIG’s claims hotline on weekdays from 8.45 am to 5.30 pm at +65 6827 7660.
Claims timeline and process
MSIG will follow up directly if additional documents are needed. A few things to know:
- Windscreen claims follow their own track. Send your vehicle to an MSIG windscreen specialist for a Windscreen Claim Form. Only broken windscreens are claimable, and the excess is waived if you repair rather than replace.
- Workshop choice follows your plan (see comparison table above). MotorMax Plus holders can still opt for an MSIG authorised workshop for direct settlement.
- Car not driveable? MSIG’s roadside assistance arranges a tow to an authorised workshop.
MSIG customer service & support channels
Have a question or need assistance? Here's how to reach MSIG:
- 24-hour roadside assistance at +65 6968 6223 for accident advice and urgent claims
- Chat with Mae, MSIG's chatbot, or use Live Chat on their website.
- Submit an online enquiry or call MSIG directly for policy questions.
Visit MSIG's official website for contact details, hours, and centre locations.
FAQs About MSIG Car Insurance
What types of car insurance cover does MSIG offer in Singapore?
- MSIG provides two comprehensive plans: MotorMax and MotorMax Plus. Both cover accidental damage, fire, theft, third-party injury, and property damage. MotorMax Plus also lets you use any workshop for repairs and adds a daily transport allowance, while MotorMax restricts repairs to MSIG's authorised workshop network.
How do I make a claim under my MSIG car insurance?
- If there are injuries, call 995 or 999 first. Take photos of the scene and exchange particulars with the other driver. File a police report if the accident involves 3+ days of medical leave, a hit-and-run, or other reportable circumstances, then bring your vehicle to an MSIG authorised workshop to lodge the accident report and submit your claim.
What is the MSIG car insurance claims hotline?
- For immediate assistance, call MSIG's 24-hour helpline at +65 6968 6223. You can also reach MSIG via Live Chat, the Mae chatbot, or an online enquiry form on the official MSIG Singapore website.
How does the No-Claim Discount (NCD) work with MSIG?
- An NCD is a premium discount awarded for claim-free years. Making a claim may reduce your NCD, but you can add an NCD Protector (for holders of 30% NCD or higher) to protect your NCD entitlement in the event of a claim.
How do I cancel my MSIG car insurance policy?
- Contact MSIG's customer support with your policy number, NRIC / FIN, and reason for cancellation. You’ll get back 80% of the pro-rated premium—unless it works out to under $25 or you’ve already made a claim (including windscreen, windows, or in-Vehicle Unit claims), in which case no refund applies.
Need to backdate the cancellation? Email [email protected] with supporting documents (e.g. sales agreement, scrap certificate, or LTA deregistration letter) and MSIG will respond within 3 working days.
💡 Important: Ensure replacement coverage is active before cancelling. Driving without insurance is illegal in Singapore. What are common exclusions under MSIG car insurance?
- Typical exclusions include wear and tear, mechanical failure, unauthorised use, private-hire / commercial use, and driving under the influence. See the Policy Exclusions section above, and review your own policy documents for the full list of exclusions and conditions.
Does MSIG car insurance cover electric vehicles?
- Yes. Both MotorMax and MotorMax Plus cover electric vehicles, but MotorMax Plus offers enhanced EV-specific benefits: emergency EV towing when your battery runs out, extended medical expense cover for electric-shock injuries from battery leakage, and car lock / key replacement.
Can I insure a company-registered or private-hire car with MSIG's car insurance?
- No. MSIG's MotorMax and MotorMax Plus plans are designed exclusively for private, non-commercial vehicles and do not cover any form of private hire usage, whether Private Hire (Self-Drive) or Private Hire (Chauffeur). MSIG offers separate commercial motor insurance for these use cases.