Car insurance

Up to 35% off (for car age 5 years old & above), use promo code FUNMAY24 + extra 15% off for MINDEF & MHA or POGIS policyholders

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A comprehensive cover for you, your passengers and your car

Our comprehensive car insurance plans let you drive with peace of mind. Plus, 24/7 roadside assistance when you encounter bumps along the road. 

What our car insurance cover offers
  • Claims promise
If your car is damaged through no fault of yours, your No Claims Discount (NCD) remains intact and no upfront excess payment is required - that’s our claims promise!
  • Lowest NCD penalty upon your car insurance claims
Other insurers penalise you 30% when you claim. We only deduct 10%1.
  • Quick emergency assistance available 24/7
In case of a breakdown or an accident, our emergency call ("eCall") service is available 24/7 to provide rapid assistance2.
  • No additional excess for young and inexperienced drivers
With our Prestige plan, there's no additional excess. You can enjoy greater peace of mind without an additional cost.

1Excluding Motor Lite plan.
2Only available for Motor Prestige plan.

Three options to suit your needs

Choose from the options below and get your car insurance cover online. We'll have your policy documents plus your certificate of insurance emailed to you instantly.


Our cover includes approved workshop repairer, brand new car replacement and a few extras.

  • Repairs for your car
    Approved repairer only
  • Brand new car replacement2
    For new car < 12 months old
  • Additional Excess for young and inexperienced driver3
  • Windscreen excess payment
  • Medical expenses
    Covers you and your passengers.
  • Damage to third party's property
    Up to S$5 million


Insure yourself against the cost of accidents and damage with our standard plan.

  • Repairs for your car
    Any repairer1
  • Brand new car replacement2
    For new car < 12 months old
  • Additional Excess for young and inexperienced driver3
  • Windscreen excess payment
  • Medical expenses
    Covers you and your passengers.
  • Damage to third party's property
    Up to S$5 million


With eCall assistance service that could save your life in case of an emergency.

  • Repairs for your car
    Any repairer
  • Brand new car replacement2
    For new car < 24 months old
  • No Additional Excess for young and inexperienced drivers3
  • No windscreen excess payment
  • Medical expenses
    Covers you and your passengers.
  • Damage to third party's property
    Up to S$5 million
  • eCall assistance service
    Automatically alerts the emergency team to provide you with quick & professional help.
    Includes a Bosch smart sensor device


eCall assistance: A life-saving plug

A life-saving smart device designed to help you get quick and professional roadside assistance

The safe driver's companion: Aviva's eCall

Get help fast with Aviva's eCall. Featuring automatic crash detection, the smart device will automatically alert our emergency team in real time. With data about the crash severity and your car location, we'll call you and send help immediately.

Drive confidently with eCall by your side, knowing that we'll send the right help your way when every second counts.

Quick and simple installation

  • Plug in: The eCall smart sensor device (only available for Motor Prestige plan) is a user-friendly plug that fits into a 12V outlet of any vehicles.
  • Connect: Download the 'Aviva eCall Assistance' app and pair your eCall device via Bluetooth.
  • Drive: Once connected, you have a complete eCall assistance service on the road.

Our Car insurance promotions

Get the most out of your Car insurance premiums with these stackable promotions while it lasts.

24% off your premiums

Applicable for all plans and new customers with insured car age 5 years old and above only. Valid until 31 May 2021.

17% off your premiums

Applicable for all plans and new customers with insured car age up to 4 years old only. Valid until 31 May 2021.

Up to 35% off for MINDEF and MHA policyholders

Applicable for policyholders' family members too.

Up to 35% off for POGIS policyholders

Applicable for policyholders' family members too.

Aviva Car Insurance Privileges

Great savings on car servicing and more! Exclusively for Aviva Car Insurance policyholders. 

Add-ons for extra protection

Need enhanced coverage? Consider adding these riders when you purchase our car plan.

No Claims Discount protector

In the event of a claim, protect your No Claims Discount with this rider.

Courtesy car provided

Stay mobile even if you send your car for repair. Our courtesy car is free of charge for up to 10 days.

Replacement locks & keys

Misplaced your car keys? We'll pay for the replacement of the locks, central locking interface and any affected parts of the car's alarm.

Additional Personal Accident cover

Covers up to S$100,000 for accidental injury to you or any passengers in your car.

Ratings and reviews


What to do in an accident

Our emergency hotline is open 24/7, in case of an accident, please call us at +65 6333 2222

Step 1

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

Step 2

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.

Step 3

We'll take care of you

We can send someone to assist you at the accident site and help complete your accident reporting*.

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

If your 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.

*Not applicable for Motor Lite plan.

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
  • 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 if you are a new customer! Click here to buy.

If you are an existing customer, enjoy free loss of keys and free loss of use riders worth S$107 when you renew with us.

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 9 Apr 2019: 

Summary of Cover

Policy Document - Annual

Policy Document - Dual Year

Contact us

Customer service hotline

+65 6827 9966

General enquiry hours:

Mondays to Fridays 8:45 – 17:30

Weekends and public holidays Closed

Claim enquiry hours:

Mondays to Fridays 8:45 – 18:00

Car accident and emergency breakdown

+65 6333 2222

Available 24 hours daily

Singapore: Help at the scene of the accident within 20 minutes of your call. Free emergency roadside assistance in case of a car breakdown.