Car insurance

S$150 vouchers when you insure your brand new car with us!

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

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 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.

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 us1

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1Promotion Terms and Conditions apply. Click here for Promotion FAQ.

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

Aviva Emergency Assistance will send our Mobile Accident Response Service (MARS) to assist you at the accident site and help complete your claims process.

If your car cannot be driven, we will arrange for tow to the nearest Aviva Approved Repairer and transport for you to your destination within Singapore.

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?

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? 

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 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 UOB, 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. 

What is covered in your policy?

Benefits of Aviva's Car Claims Service

  • Use of an Aviva Approved Repairer using only original manufacturer's specification replacement parts. We give you peace of mind.
  • 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.
  • No form filling for you, we take care of it. We just make it easy.
  • 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 the Republic of Singapore. Our breakdown lines are open all day, all night, every day of the year. If you need us all you have to do is call 6333 2222. We will dispatch a breakdown vehicle 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 the Republic of Singapore.

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!

Protect your ride

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.