Car Insurance

Car insurance

Promos that won’t make you snooze, like S$150 vouchers when you insure your brand new car*

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Peace of mind with Aviva Car Insurance

Because when emergencies happen, we’re there for you

Only 10% No Claims Discount (NCD) reduction upon claims 

Other insurers penalize you for 30% when you make claims. With Aviva it’s only a 10% reduction

Claims promise

Car damaged through no fault of your own? Your NCD remains intact – and no upfront excess payment is required

24/7 roadside rescue

We’ll come to the accident scene within 20 minutes of your call to handle everything you need – from claims reporting to giving you a ride home

We insure your car for these and more

Our basic coverage takes care of all things that matter most when you drive

Accidental loss, fire or theft damage to your car

Summary of cover  Maximum amount payable
Your Car To the market value of your car, including the Certificate of Entitlement (COE)
Audio equipment S$500
Accessories S$500
Windscreen Unlimited if you use the Aviva authorized repairer (S$600 cap if non-approved repairer) 

Your liability towards other persons:

Summary of cover  Maximum amount payable
For death or injury to another person, including passengers  Unlimited
For damage to property  S$5,000,000
For legal costs (with our consent)  Unlimited

Injury to you or any passengers in your car

Summary of cover  Maximum amount payable
Death or total loss of sight or hearing
Loss of limb
Loss of sight/ hearing in one eye/ear

Medical expenses

Summary of cover  Maximum amount payable
If you or any passenger in your car are injured in an accident

Level up your cover

Need enhanced coverage? Consider these add-ons when you purchase

NCD protector

Protect your NCD in the event of a claim

Use of replacement car

Car in the workshop due to an accident? Stay mobile with a replacement car free of charge up to 10 days

Replacement locks & keys

Misplaced your car key? We’ll pay for the replacement of the locks, central locking interface and any affected parts of the car’s alarm, etc

Additional Personal Accident cover

Cover for accidental injury to you or any passengers in your car including loss of sight or hearing, loss of limb(s) or death

Got any questions?

If you don’t see the answers you need, get in touch with us

Who can buy Aviva car insurance?

To buy Aviva Car Insurance, you must be/have:

  • 21 to 70 years old and residing in Singapore
  • the registered car owner of the car to be insured
  • medically fit to drive and satisfy all driving regulations
  • at least 1 year of driving experience
  • not been previously refused car insurance  for any reason
  • made no more than 2 claims in the past 3 years
  • no more than 12 demerit points or Driver Improvement Points System (DIPS) recorded on your driving licence
  • a car with no modification or only modifications approved by Land Transport Authority of Singapore ("LTA") – this applies to new and renewed policies taken out on and after 16 Dec 2014
  • a car not more than 15 years old

What does my car insurance cover?

I am a member of the Aviva MINDEF / MHA group insurance. Can I get a discount?

Got an insurance policy under MINDEF / MHA’s voluntary scheme? Then yes, you (and also your spouse, children, parents and siblings too) are absolutely eligible for a 15% discount off your car insurance premium! Click here to buy.

If you’re covered under MINDEF / MHA’s core scheme only and want to upgrade to the voluntary scheme to get discounts and other goodies, call our Aviva Relationship Consultants at 6827 8000 (Mondays to Fridays excluding Public Holidays, 8:45am to 5:30pm). Or email us at 

What is the Dual-Year Plan?

It’s a special plan that lets you lock in your current premium price (including savings or discounts you get now) when you commit to two consecutive years of coverage by Aviva Car insurance!

What is NCD?

NCD is short for “No Claims Discount”. This term is common with all car insurance companies. It means that if you don’t make any claims on your car insurance, you get a 10% discount off the price of your car insurance premium every year. You can accumulate this yearly discount for more savings every year, capped at a maximum of 50%.

Read up more about NCD here and here.

Do you insure modified vehicles?

Yes, we do cover modded vehicles that have received an ok from LTA. This applies to new and renewed policies taken out on and after 16 Dec 2014.

What are “mods”? Mods or modification means any changes you make to your car including accessories like those fancy rims or snazzy spoilers. 

How do I access my policy online to view or make changes? 

Easy peasy – just visit this link then login using your Aviva Login ID and password. You can view and change your own damage policy excess, among other things.

What are the options available to pay my premium? 

You can pay online with a credit card (only Visa or MasterCard accepted). 

Can I pay by monthly instalments?

Yes, you can opt for the Instalment Payment Plan (IPP) through your DBS or POSB Visa/ MasterCard credit card (debit cards not accepted).

How do I renew my policy?

Don’t worry about having your plan lapse, we’ll email you when the time comes for renewal. When you receive it, just click on the link in the renewal reminder email. This will take you directly to the renewal payment screen. 

Promo stack attack!

Get more out of your car insurance with our pile-on promos like dual-year pricing, and S$150 vouchers when you insure your brand new car with us*

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*Promotion Terms and Conditions apply. Click here for Promo FAQs.