Comprehensive
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Third Party/Third Party, Fire and Theft
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the insurance your car needs (and deserves)

At FWD, we’re different from other cheap car insurance plans. Our comprehensive and customisable car insurance plans beat the most affordable plans out there with our lifetime NCD guarantee, the best repair warranty and the most comprehensive family protection in Singapore.

Comprehensive Car Insurance Plan
Comprehensive, customisable, affordable
Pick one of three comprehensive plans covering vehicle repairs, medical, third-party damages and roadside assistance, and tailor it to suit your needs and budget.
Lifetime NCD Guarantee
Lifetime NCD Guarantee
We want you to be rewarded for safe driving. If your current No Claim Discount is 50%, you get to keep it as long as you stay with FWD
Car Repair Workshops
Best repair warranty in Singapore
Repairs done at FWD premium workshops are guaranteed for workmanship defects until your car turns 10.
Car Insurance Protection
Anyone you trust to drive your car is insured
If you trust someone to drive your car, we’ll insure them – no need to name them.
Car Accident Family Protection
Best family protection in Singapore
We provide one-time payment of up to S$500,000 for surviving children if both parents die or are permanently disabled in a car accident.

the insurance your car needs (third party)

Don’t need a comprehensive car insurance plan? Pick from our Third Party Only or Third Party, Fire and Theft plans to save on your auto insurance. Tailored for your car. Tailored for your budget.

Comprehensive Car Insurance Plan
Affordable and customisable
Choose between our two car insurance plans to suit your specific needs and budget.
Lifetime NCD Guarantee
24-hour roadside assistance
We'll be here around-the-clock, any time you need us.
Car Repair Workshops
We cover you out of Singapore
Get protected with our auto insurance plan when you drive out to West Malaysia and parts of Thailand.
Car Insurance Protection
Anyone you trust to drive your car is insured
If you trust someone to drive your car, we’ll insure them – no need to name them.

 

 

you asked, we answered

How much is the standard excess?

It varies from S$500 to S$2,500 depending on the make and model of your car.

Can I choose my own workshop?

You can purchase the optional benefit if you want flexibility to choose any workshop that you prefer.

Am I eligible?

You can buy this policy if:

  • Your age is between 20 to 69
  • Your car is 12 years old or younger
  • You do not use your car for commercial purposes.

you asked, we answered

Does Third Party Only plan cover towing fees?

We’d be happy to arrange towing services for you, but this plan does not cover towing fees. The Third Party Fire and Theft plan does.

Which plan should I choose?

Our Third Party Only plan protects you against claims from another person. Our Third Party Fire and Theft plan covers that and also covers your car if it’s damaged by fire or stolen.

Do you cover legal fees?

Yes, if you become legally responsible for a third-party claim, we’ll cover up to S$3,000.

what you get with FWD car insurance

we cover just what you need. no more, no less

classic
(max limit)
executive
(max limit)
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prestige
(max limit)
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Benefits across all three plans
  • Automatically eligible for FWD's Lifetime NCD Guarantee at NCD 50%
  • Repairs at FWD’s premium workshops, extended workmanship guarantee until your car turns 10
  • Covered while driving in West Malaysia and parts of Thailand
  • 24-hour roadside assistance in case of a breakdown
  • Legal liability cover if you accidentally hurt someone or damage their property
In event of damage to your car

Repair or replacement if your car is accidentally damaged or written off

We insure anyone you trust to drive your car without having to inform us

Standard excess each time your car is accidentally damaged. Amount varies depending on car make and model

up to S$2,500

Additional excess each time your car is accidentally damaged by a driver under 27 years old

S$2,500

Towing costs if your car is damaged and unsafe to drive

S$300

Taxi reimbursement after an accident – making sure you get to your destination safely

S$40 per occupant

Daily transport allowance while your car is being repaired

S$40 for up to 6 days

Car accessories damaged when your car is accidentally damaged, written off or stolen

S$500

Windscreen repair and replacement (S$100 excess for replacement)

Extended workmanship guarantee defects warranty when repairs are done at one of FWD’s premium workshops

Repair or replacement if your car is damaged due to fire or stolen

Courtesy car for up to three months if your car is written off or stolen

New car replacement for cars under 12 months old (if your car is written off or stolen)

In event of injury to you or your passengers

Medical expenses in case of a car accident (per occupant)

S$1,000

One-time payment if the driver of your car dies or is permanently disabled in an accident

S$30,000

One-time payment for each passenger of your car who dies or is permanently disabled in an accident

S$10,000

One-time payment for surviving children if both parents die or are permanently disabled in a car accident

S$250,000

In event of damage to your belongings

Replacement of lost or damaged keys

Personal belongings damaged in an accident

In event of damage to others

Legal costs if you are sued for damage caused by your car

S$3,000

Cover for accidental damage to someone’s property caused by your car

S$5 mil

Unlimited cover if you’re legally responsible for someone’s death or injury caused by your car

Benefits across all three plans
  • Automatically eligible for FWD's Lifetime NCD Guarantee at NCD 50%
  • Repairs at FWD’s premium workshops, extended workmanship guarantee until your car turns 10
  • Covered while driving in West Malaysia and parts of Thailand
  • 24-hour roadside assistance in case of a breakdown
  • Legal liability cover if you accidentally hurt someone or damage their property
In event of damage to your car

Repair or replacement if your car is accidentally damaged or written off

We insure anyone you trust to drive your car without having to inform us

Standard excess each time your car is accidentally damaged. Amount varies depending on car make and model

up to S$2,500

Additional excess each time your car is accidentally damaged by a driver under 27 years old

S$2,500

Towing costs if your car is damaged and unsafe to drive

S$400

Taxi reimbursement after an accident – making sure you get to your destination safely

S$60 per occupant

Daily transport allowance while your car is being repaired

S$60 for up to 8 days

Car accessories damaged when your car is accidentally damaged, written off or stolen

S$1,000

Windscreen repair and replacement (S$100 excess for replacement)

Extended workmanship guarantee defects warranty when repairs are done at one of FWD’s premium workshops

Repair or replacement if your car is damaged due to fire or stolen

Courtesy car for up to three months if your car is written off or stolen

New car replacement for cars under 12 months old (if your car is written off or stolen)

In event of injury to you or your passengers

Medical expenses in case of a car accident (per occupant)

S$3,000

One-time payment if the driver of your car dies or is permanently disabled in an accident

S$50,000

One-time payment for each passenger of your car who dies or is permanently disabled in an accident

S$20,000

One-time payment for surviving children if both parents die or are permanently disabled in a car accident

S$375,000

In event of damage to your belongings

Replacement of lost or damaged keys

S$500

Personal belongings damaged in an accident

S$1,000

In event of damage to others

Legal costs if you are sued for damage caused by your car

S$3,000

Cover for accidental damage to someone’s property caused by your car

S$5 mil

Unlimited cover if you’re legally responsible for someone’s death or injury caused by your car

Benefits across all three plans
  • Automatically eligible for FWD's Lifetime NCD Guarantee at NCD 50%
  • Repairs at FWD’s premium workshops, extended workmanship guarantee until your car turns 10
  • Covered while driving in West Malaysia and parts of Thailand
  • 24-hour roadside assistance in case of a breakdown
  • Legal liability cover if you accidentally hurt someone or damage their property
In event of damage to your car

Repair or replacement if your car is accidentally damaged or written off

We insure anyone you trust to drive your car without having to inform us

Standard excess each time your car is accidentally damaged. Amount varies depending on car make and model

up to S$2,500

Additional excess each time your car is accidentally damaged by a driver under 27 years old

S$2,500

Towing costs if your car is damaged and unsafe to drive

S$500

Taxi reimbursement after an accident – making sure you get to your destination safely

S$80 per occupant

Daily transport allowance while your car is being repaired

S$80 for up to 10 days

Car accessories damaged when your car is accidentally damaged, written off or stolen

S$2,000

Windscreen repair and replacement (S$100 excess for replacement)

Extended workmanship guarantee defects warranty when repairs are done at one of FWD’s premium workshops

Repair or replacement if your car is damaged due to fire or stolen

Courtesy car for up to three months if your car is written off or stolen

New car replacement for cars under 12 months old (if your car is written off or stolen)

In event of injury to you or your passengers

Medical expenses in case of a car accident (per occupant)

S$5,000

One-time payment if the driver of your car dies or is permanently disabled in an accident

S$75,000

One-time payment for each passenger of your car who dies or is permanently disabled in an accident

S$25,000

One-time payment for surviving children if both parents die or are permanently disabled in a car accident

S$500,000

In event of damage to your belongings

Replacement of lost or damaged keys

S$1,000

Personal belongings damaged in an accident

S$2,000

In event of damage to others

Legal costs if you are sued for damage caused by your car

S$3,000

Cover for accidental damage to someone’s property caused by your car

S$5 mil

Unlimited cover if you’re legally responsible for someone’s death or injury caused by your car

Benefits across all three plans

In event of damage to your car

In event of injury to you or your passengers

In event of damage to your belongings

In event of damage to others

classic
(max limit)

  • Automatically eligible for FWD's Lifetime NCD Guarantee at NCD 50%
  • Repairs at FWD’s premium workshops, extended workmanship guarantee until your car turns 10
  • Covered while driving in West Malaysia and parts of Thailand
  • 24-hour roadside assistance in case of a breakdown
  • Legal liability cover if you accidentally hurt someone or damage their property

executive
(max limit)

prestige
(max limit)

Third party
Third party,
fire & theft
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Third party

50% NCD lifetime guarantee

Extended workmanship guarantee defects warranty when repairs are done at one of FWD’s premium workshops

Repair or replacement if your car is damaged due to fire or stolen

New car replacement for cars under 12 months old (if your car is written off or stolen)

Covered while driving in Singapore, West Malaysia and parts of Thailand

24-hour roadside assistance in Singapore, West Malaysia, and parts of Thailand

We insure anyone you trust to drive your car

Unlimited cover if you’re legally responsible for someone’s injury or death caused by your car

Cover for accidental damage to someone’s property caused by your car

S$5 mil

Legal costs if you are sued for damages caused by your car

S$3,000

Reimbursement for towing charges

Third party, fire & theft

50% NCD lifetime guarantee

Extended workmanship guarantee defects warranty when repairs are done at one of FWD’s premium workshops

Repair or replacement if your car is damaged due to fire or stolen

New car replacement for cars under 12 months old (if your car is written off or stolen)

Covered while driving in Singapore, West Malaysia and parts of Thailand

24-hour roadside assistance in Singapore, West Malaysia, and parts of Thailand

We insure anyone you trust to drive your car

Unlimited cover if you’re legally responsible for someone’s injury or death caused by your car

Cover for accidental damage to someone’s property caused by your car

S$5 mil

Legal costs if you are sued for damages caused by your car

S$3,000

Reimbursement for towing charges

S$300

Download policy wording:
 

50% NCD lifetime guarantee

Extended workmanship guarantee defects warranty when repairs are done at one of FWD’s premium workshops

Repair or replacement if your car is damaged due to fire or stolen

New car replacement for cars under 12 months old (if your car is written off or stolen)

Covered while driving in Singapore, West Malaysia and parts of Thailand

24-hour roadside assistance in Singapore, West Malaysia, and parts of Thailand

We insure anyone you trust to drive your car

Unlimited cover if you’re legally responsible for someone’s injury or death caused by your car

Cover for accidental damage to someone’s property caused by your car

Legal costs if you are sued for damages caused by your car

Reimbursement for towing charges

third party

 

S$5 mil

S$3,000

 

third party,
fire & theft

 

S$5 mil

S$3,000

S$300

 

on top of it all, you can add

Car Repair Warranty
Your preferred workshop
Pick your preferred repair workshop. note: our market-leading workmanship defects warranty is only available at FWD premium workshops.
Car Emergency Assistance
Overseas booster
Get additional cover when driving in West Malaysia and parts of Thailand with emergency assistance, emergency expenses and towing benefits to get you and your car back to Singapore.
No Claim Discount Protector
No claim discount protector
Make sure that even if you have a momentary lapse of attention, you keep your 30% or 40% no claim discount when you renew with us.
Auto Insurance Coverage
Choose your excess
Increase your excess according to your budget – the higher the excess, the less premium you pay.
Waive your young driver excess
We give you the flexibility to choose – reduce your young driver excess if you want greater peace of mind.