Car Insurance

Save 15% with the Prestige plan

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We cover you and your car

When you encounter bumps along the road, we're here to provide 24/7 roadside rescue

Speedy aid with eCall assistance

With the Motor Prestige plan, we'll take care of your emergencies. In case of an accident, an alert will be sent immediately to the emergency services and help will be on your way.

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

Other insurers penalise you 30% when you make claims. With Aviva, it's only a 10% reduction (excluding Motor Lite plan).

Claims promise

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

Three comprehensive plans to suit your needs

Greater assurance with eCall assistance when you buy the Prestige plan

Features Lite Standard Prestige
Accidental loss, fire or theft damage
We'll cover you up to the cost of your car's market value including the COE.
(Your manufacturer-fitted car accessories and audio equipment are covered for an unlimited amount.)
Included Included Included
Repairs for your car
Where you can send your car for repairs.
Approved repairer only Any repairer 
(Excess will be doubled if done at non-approved repairer)
Any repairer
Additional Excess for young and inexperienced driver
If the driver (including policyholder) is aged 24 and below or has held a valid driving license for less than 2 years.
S$2,500 S$2,500
eCall assistance
A  smart sensor device will be provided to activate eCall assistance.
Not included Not included
Windscreen replacement coverage Lite Standard Prestige
When repair is done at approved repairers
Unlimited Unlimited Unlimited
When repair is done at non-approved repairers
Not included Up to S$600 Unlimited
Number of windscreen claims allowed 1 Unlimited Unlimited
Excess for windscreen S$100 S$100

Level up your cover

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

No Claims Discount protector

Protect your No Claims Discount (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 for 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.

What to do in an accident

Stay calm and communicate

If anyone involved in the accident is injured, call the Police. Exchange contact and identification details with the other party. 

Do not admit liability, sign a promissory note agreeing to pay for damages or allow a towing service to take your car away.

Click for more info

Report the incident to us within 24 hours

Call Aviva Emergency Assistance at +65 6333 2222 to start the claims process. We are there for you 24/7.

Make the report regardless of whether or not you intend to claim on your own policy or if your car is damaged.

We'll take care of you

We can send someone to assist you at the accident site and help complete your accident reporting (This does not apply for Motor Lite plan).

Alternatively, you can file the accident report at any of Aviva Approved Repairer during office hours.

Click here for contact details and operating hours.

If you car cannot be driven, we will arrange for tow services to send your car to the nearest Aviva Approved Repairer and transport you to your planned destination within Singapore (the latter does not apply for Motor Lite plan).

How to install eCall

As long as you drive, safety is a priority and with eCall you're one step ahead

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Car claims information

Windscreen claims

Please notify us immediately after you discover damage to any windscreen or glass on your car.

Windscreen glass claims form


Private settlement

If you are entering into a private settlement to save on claim cost or protect your no claim discount (NCD), download this form and complete it. Please ensure the other party completes it too.

Private settlement form 


Aviva authorised workshops

Find one near you.

Using your preferred workshop

Ask your workshop to email the repair estimate to us at:
or fax 6829 1871

We'll send a surveyor to your workshop to assess the damage within 2 working days.

Got any questions?

What is eCall assistance service?

Our eCall assistance is a complimentary service for Motor Prestige customers with the purpose to bring rapid assistance to you in the event of an accident. In case of a crash, an eCall-equipped car automatically notifies our Claims Helpline who will then contact you or go to the accident scene to assist you. In addition, it will also inform your emergency contact which you have already set up with our eCall mobile application, if any. 

To achieve this, we will provide you with an eCall device and a companion app for you to connect to your car via Bluetooth using your mobile phone. You should also have internet connection on your mobile phone. The same service is also extended to Your authorized driver, if any.

This feature applies for Motor Prestige plan only unless stated otherwise in your policy schedule.

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

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 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.

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

Visit MyAviva and log in with your email address and password. You can view and change your own damage policy excess, among other things.

What is covered in your policy?

Benefits of Aviva's Car Claims Service

  • Aviva's free 'Get You Home Service' for You and Your passengers if Your car cannot be driven following an accident in Singapore (This benefit does not apply for Motor Lite plan).
  • No deductible or excess to pay if we confirm the accident is not your fault.
  • We don't make you pay for other people's negligence; we will pursue the responsible party for the recovery of all of our costs.
  • Free accident recovery 24 hours a day, seven days a week, all year round.
  • Car repairs carried out at our Approved Repairers come with a free 12 month warranty.

Free Car Breakdown Cover in Singapore

Your Car Policy with Aviva entitles you to free breakdown assistance in Singapore. Our breakdown lines are open 24/7. If you need us all you have to do is call +65 6333 2222. We will dispatch Mobile Accident Response Service (MARS), who will attempt to repair your vehicle at the roadside. If that isn't possible we will tow your car to the service centre of your choice within Singapore (This does not apply for Motor Lite plan)

For new and renewed policies taken out on and after 28th Apr 2018: 

Summary of Cover

Policy Document - Annual

Policy Document - Dual Year

Can I get instant car insurance cover with Aviva?

Yes. You can purchase your car insurance and make payment online. You can choose to receive your policy documents and certificate of insurance via email instantly.

Ride on your MINDEF/MHA privileges!

Claim a 15% discount for you and your immediate family members if you're a Voluntary scheme policyholder with MINDEF/MHA Group Term Life!

Free S$150 CapitaVoucher

Buy your car insurance for your brand new car online and we'll reward you with a CapitaVoucher worth S$150!

Promo FAQ and T&C

Contact us

Customer Service Hotline

+65 6827 9966

Mondays to Fridays, excluding public holidays from 08:45 to 17:30

Car accident & emergency breakdown assistance helpline

+65 6333 2222

Our emergency hotline is open 24/7. Help at the scene of the accident within 20 minutes of your call in Singapore. Free emergency roadside assistance in case of a car breakdown in Singapore. This does not apply for Motor Lite Plan.