Cheapest car insurance Singapore 2026

The cheapest premium in Singapore depends on the driver profile (age, NCD level, occupation), vehicle make and model, and cover type chosen. DirectAsia's direct-to-consumer model removes agent commission from the premium build-up, and its NCD60 tier gives an additional 10% saving on top of NCD50 for drivers who have held NCD50 for at least five consecutive years. The reliable saving move is to run a live DirectAsia quote alongside at least one or two other Singapore insurers on the same cover level and add-ons before locking in. Activate ShopBack Singapore on the DirectAsia merchant page before clicking through and see the current cashback rate table above.

DirectAsia promo code SG

DirectAsia typically runs its own promo codes around new-customer welcome offers, renewal windows, and the Singapore online sale calendar (9.9, 10.10, 11.11, 12.12, Black Friday, Cyber Monday). Third-party voucher codes pasted at checkout can break ShopBack cashback tracking, so DirectAsia's own official promo codes are generally safer. Stackability between DirectAsia's own promo code and ShopBack cashback may apply on eligible orders but varies by promotion. Activate ShopBack Singapore before clicking through and verify tracking after purchase.

DirectAsia vs NTUC Income vs Income car insurance SG

All three write general motor business in Singapore under MAS regulation. DirectAsia sits in the direct-to-consumer bracket alongside Income and NTUC, but its NCD60 tier (10% extra saving on NCD50 for drivers who have held NCD50 for at least five years) is a distinguishing lever for long-clean-record drivers. Cover types are broadly comparable at the Third Party Only, Third Party Fire and Theft, and Comprehensive levels. For a like-for-like decision, run all three quotes on the same driver, vehicle, cover type, and add-on set, then compare the final premium after any active promo code. Activate ShopBack Singapore on the DirectAsia page before quote-to-purchase to earn cashback on top.

Cheapest motorcycle insurance SG

Singapore motorcycle premium depends on rider age, riding history, bike make and CC, and cover type. DirectAsia offers motorcycle cover with an NCD30 structure and optional benefits at Third Party Only, Third Party Fire and Theft, and Comprehensive levels. Younger riders and those with recent claims typically face loadings across all insurers, so quoting a few carriers on the same cover shape is the reliable approach. Activate ShopBack Singapore on the DirectAsia page before clicking through.

DirectAsia travel insurance deal SG

DirectAsia travel insurance ships as Voyager 150, Voyager 250 and Voyager 500 on Single Trip, and Voyager 250, Voyager 500 and Voyager 1000 on Annual Multi-Trip, with per-trip cover up to 90 days. Deal windows to watch are Singapore's online sale peaks (9.9, 10.10, 11.11, 12.12, Black Friday, Cyber Monday) and the mid-year sale period, plus the school-holiday travel peaks in March, June, September and December when family plan promos may appear. Activate ShopBack Singapore on the DirectAsia page before booking.

DirectAsia new customer discount

DirectAsia typically runs new-customer promotions around the direct-online model, either as a promo code on the first policy, a bonus benefit at signup, or a partner-branded incentive (for example, fuel benefits with a motor policy). Specifics rotate through the year, so quote directly at directasia.com and read the live signup offer before purchase. Activate ShopBack Singapore before quote-to-purchase to earn cashback on top; stackability with the new-customer offer varies by promotion.

When does DirectAsia run sales in Singapore

DirectAsia typically lines promo activity up with Singapore's online sale calendar. The biggest windows tend to be 9.9, 10.10, 11.11, 12.12, Black Friday and Cyber Monday, Chinese New Year, and the mid-year sale period. Renewal-month and new-customer promos can also appear independently of the calendar.

DirectAsia Third Party Only vs Third Party Fire and Theft vs Comprehensive

DirectAsia motor cover is offered at three levels. Third Party Only (TPO) covers liability to other parties and is the statutory minimum, suiting older cars near the end of COE where comprehensive premium is hard to justify against resale value. Third Party Fire and Theft (TPFT) adds own-vehicle fire and theft on top and typically suits mid-life cars. Comprehensive (COMP) adds own-vehicle accidental damage and typically suits newer, higher-value, or daily-commuter cars. Driver plans (Value, Value Plus, Flexible) sit above the cover type and adjust workshop choice, named-driver rules, and other terms.

When is the best time to buy DirectAsia motor insurance

Buy at least a few days before the existing policy expires so cover continues without a gap. New-car buyers usually purchase right after COE bidding and registration. DirectAsia quotes are typically valid for a defined period, so locking the rate before a promo window closes can help, subject to current DirectAsia terms. 9.9, 11.11 and renewal-month windows are common trigger points.

DirectAsia Annual Multi-Trip or Single Trip travel insurance

Single Trip on Voyager 150, 250 or 500 covers one defined journey up to 90 days. Best for occasional travellers. Annual Multi-Trip on Voyager 250, 500 or 1000 covers unlimited trips in 12 months (each capped at 90 days) and typically works out cheaper from about three trips a year, subject to plan tier. Frequent regional travellers flying Changi to Jakarta, KL, Hong Kong, Bangkok or Taipei usually pick Annual Multi-Trip on Voyager 500 or 1000.

What is DirectAsia Insurance

DirectAsia is a Singapore-based insurer that sells car, motorcycle and travel insurance direct to consumers online, without agents. Quotes, purchase, and policy management run through the DirectAsia website and app. The Singapore business trades as DirectAsia Insurance and is a member of the Auto & General group of companies (Auto & General Insurance (Singapore) Pte. Limited), with MAS regulation typical of insurers writing general business in Singapore. Buying direct at directasia.com through ShopBack Singapore adds cashback on top of the direct-online price and any live promo code.

DirectAsia has been operating in Singapore since 2010 as a direct-to-consumer insurer, and the SG entity (Auto & General Insurance (Singapore) Pte. Limited trading as DirectAsia Insurance) writes general insurance business subject to the standard MAS regulatory framework. It has been part of the Auto & General group historically, and other insurer groups have owned parts of the Asia footprint at different times (the Thailand business was acquired by Roojai in 2024). For the SG buyer, the practical checks are the same as for any Singapore insurer: read the policy schedule and product summary before purchase.

DirectAsia claims process

DirectAsia claims are typically lodged online through the website or by email, with supporting documents uploaded for assessment. Motor claims usually require the Singapore Accident Statement filed at an authorised reporting centre within the statutory timeframe, the other party's information, workshop quotes, photos of the damage and scene, and the police report number if injury or hit-and-run is involved. Travel claims typically need receipts, the airline Property Irregularity Report, medical reports, and police reports where relevant. A 24/7 overseas emergency assistance line is typically bundled with travel policies.

How to activate cashback on DirectAsia via ShopBack

Sign in to ShopBack Singapore, open the DirectAsia merchant page above, and click through to directasia.com. Complete the quote-to-purchase flow in the same browser session, and avoid pasting unsupported third-party voucher codes at checkout since they can break tracking. Note that Singapore general insurance policies typically include a free-look (cooling-off) period; if a policy is cancelled inside the free-look window, the associated cashback claim is usually not eligible since the underlying transaction is reversed. The current cashback rate is shown in the rate table above.

Can I stack a DirectAsia promo code with ShopBack cashback

DirectAsia's own promo codes and ShopBack cashback may be stackable on eligible policies, subject to the current DirectAsia promo terms and the ShopBack Singapore campaign terms shown on the merchant page. Third-party voucher codes and external referral links can break tracking. Activate ShopBack Singapore on the DirectAsia page above before clicking through, complete the purchase in the same session, and verify tracking after checkout.

DirectAsia Insurance

Up to $90 Cashback

$1200 and above

$90

$900 - $ 1199.99

$67.50

$600 - $899.99

$45

View 7 more

Cashback timeline

Purchase

Tracked in

2 days

Confirmed in

90 days

Terms and exclusions

Exclusions

You won't get Cashback on:

Insurance renewals are not eligible for cashback
Purchases made with Vouchers or Promo codes not featured on our platform
Fees · Taxes · Service charges · Shipping and delivery

Refunds, cancellations and no-shows

Any rejected, cancelled, refunded, exchanged or returned purchases will not be eligible for Cashback.

For partial returns or exchanges, we'll prorate the Cashback as an adjustment.

Tracking disclaimers

Your Cashback may be tracked at a different rate initially and adjusted to the correct rate when we confirm the transaction details.

Other terms and conditions

ShopBack terms of use

Never miss Cashback on DirectAsia Insurance

Get instant alerts on Cashback when you shop online with the ShopBack extension.

Cashback tips

Remember to check T&Cs
Check carefully for Cashback exclusions and caps before you buy or book to avoid disappointment. Don't forget the terms and conditions on any promotion and campaign pages.

Restart from this platform every time
Complete your shopping in one go: Always start from this platform to visit the store directly, for every new transaction. If your store visit is interrupted by an app update or download screen, restart your shopping from our platform.

Don't use adblockers or click on other links
Don't click on any third party links or extensions or use VPN or adblocking software, as they could result in your Cashback not being tracked. Some examples include: Facebook ads, Google Ads, other loyalty or cashback extension links.

Empty shopping cart first
For DirectAsia Insurance, you need to clear your cart, close the DirectAsia Insurance app, open this platform to visit the DirectAsia Insurance app or website and complete your purchase there in order to earn Cashback. You need to do this for each purchase.

Restart from this platform if payment fails
If you encounter payment errors during your purchase, you should restart your visit to the DirectAsia Insurance from this platform to ensure that your Cashback continues to be tracked.

Accept all cookies from the store
DirectAsia Insurance can only confirm to us that a transaction is recorded if you accept all cookies that appear on their pages.

DirectAsia Insurance Shopping Guide on ShopBack

Does the DirectAsia Insurance mobile app work with ShopBack cashback?

ShopBack cashback tracks reliably on DirectAsia Insurance desktop and mobile web when the click-through starts on the ShopBack DirectAsia Insurance merchant page in the same browser session. Direct purchases inside the DirectAsia Insurance native app may not track; if the app is your preferred flow, complete the purchase in mobile web after clicking through from ShopBack to keep cashback intact.