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Premium Protection

Drive with absolute
peace of mind.

Motor insurance is compulsory on every Singapore road. Wheeley works with a panel of licensed insurers "— including NTUC Income, Etiqa and Allianz "— to quote you the best cover at the right price, and switch on the spot if your renewal moves.

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Coverage

Three covers. Pick the one that matches your car.

Motor insurance is compulsory on every Singapore road. Singapore only offers three classes of private car cover "— and most finance companies will require the highest tier (comprehensive) while a loan is active. Here is how each one works.

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Third Party Only (TPO)

The minimum legal cover. Pays only for damage your car causes to other vehicles, property or people. Your own car is not covered.

  • check Lowest premium
  • check Best for older, near-de-registered cars

Watch out for:

  • · Own-damage repairs come out of your pocket
  • · Theft or fire is not covered
  • · Most lenders will not accept TPO on a financed car
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Third Party, Fire & Theft (TPFT)

Third-party liability plus cover if your car is stolen or damaged by fire. Still no cover for your own accident damage.

  • check Lower premium than comprehensive
  • check Theft and fire protection

Watch out for:

  • · No cover for own-damage in a road accident
  • · Windscreen, flood, vandalism usually excluded
  • · Most lenders still require comprehensive on a financed car
Required if financed verified_user

Comprehensive

The full package. Third-party liability, plus own-damage cover for accident, fire, theft, flood, vandalism and windscreen as standard.

  • check Own-damage + NCD-protected
  • check Approved workshop network
  • check Required by most finance companies

Worth knowing:

  • · Claims are handled by the insurer, not by us
  • · You can opt for named-driver or any-driver
  • · Add personal accident, courtesy car, key replacement
Our Partners

A panel you already know.

We work with a range of MAS-regulated insurers "— including NTUC Income, Etiqa and Allianz "— so we can quote you the best cover at a competitive price, and switch on the spot if your renewal quote moves.

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No claim discount (NCD) preserved

Bring your existing NCD across "— we handle the letter from your previous insurer so you don't lose a single year of discount. NCD is capped at 50%, with NCD Protection available as an optional add-on for eligible drivers who already hold 50%.

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Transfer your NCD to a loved one

NCD can be transferred to your spouse or child when they get their own car "— we handle the paperwork. Bring the marriage certificate for spouse, or birth certificate for child, and we will lodge the transfer on your behalf.

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Annual renewal review

Every year we re-shop your policy across our panel and present the best new quote "— you keep the savings, no effort required.

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Add-ons available

Personal accident, courtesy car, key replacement, family legal protection and a diminishing-deductible benefit for safe drivers.

What owners say about Wheeley cover

5.0★ from 102+ verified Google reviews.

Every Wheeley customer is invited to share their experience on Google. It takes 60 seconds and helps fellow Singapore owners choose with confidence.

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FAQ

Insurance, answered.

Common questions our insurance desk handles every week.

What is the difference between comprehensive and third-party?add
Third-party pays only for damage your car causes to others. Comprehensive also covers your own car against accident, theft, fire, flood and vandalism "— strongly recommended for vehicles under 8 years old.
Do you provide NCD protection?add
Yes. NCD is capped at 50%. NCD Protection is an optional add-on for drivers who already hold 50% NCD, helping prevent the discount from dropping immediately after another accident. Coverage and eligibility depend on the insurer and policy terms.
Can I keep my existing NCD when switching?add
Absolutely. We obtain the NCD letter from your previous insurer so your discount transfers without a break in cover. Most switches are completed within 24 hours.
How do claims work after an accident?add
In an accident, contact your insurer's 24/7 claims hotline directly. The insurer authorises the tow, surveyor and repair arrangements. Wheeley helps you arrange the policy initially and is available on WhatsApp to point you to the correct claims line if needed.

Ready for a real quote?

Send your vehicle plate and we'll come back with three side-by-side quotes from our panel within the hour.

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