What is Private Motor Insurance?

It covers loss or damage to your vehicle and your legal liability to third party's (including passenger's) injury and property damage. It includes:

  • Free protection against:
    • Flood and windstorms
    • Strike, riot and civil commotions
  • Unlimited windscreen cover subject to $100 for every claim 


Tokio Marine provides 3 types of motor insurance:

  • Comprehensive
    • Approved Workshops Plan
    • Other Workshops Plan
  • Third Party Fire and Theft
  • Third Party

Key coverage

Types of Coverage



Cover loss or damage to your vehicle and your legal liability to third party’s (including passenger’s) injury and property damage. You will also enjoy:

Unlimited Windscreen Cover
Free unlimited windscreen cover subject to applicable excess.

Passenger’s Legal Liability to Third Party
Extends to cover against legal liability to third party resulting from negligent acts of your passenger(s).

Personal accident

  • Personal accident cover for you up to $50,000.
  • Medical expenses cover for you, your authorized driver and passenger(s) up to $1,000 each for every accident

24 hours Towing Services
24-hour towing services provided by from our approved workshops for accident-related breakdowns.

Additional Free Covers

  • Flood and windstorms.
  • Strike, riot and civil commotion

Benefits under Approved Workshops Plan

  • If you wish to claim against your own insurance, all accident repairs must be carried out at any of our Approved Workshops unless your vehicle is still under the manufacturer's original warranty (not including extended manufacturer's warranty). However, even if your vehicle is still under the manufacturer's warranty, you must still carry out your windscreen replacement at one of our Approved Workshops.
  • When you replace your windscreen at our Approved Workshop, no limit is imposed on the costs of replacement and your No Claim Discount (NCD) will not be affected.
  • When accident repairs are carried out at our Approved Workshops, excess for the first accident in the policy year will be waived if you enjoy 40% NCD and above  provided that the vehicle is driven by you or a named driver at the time of the accident.

Benefits under Other Workshops Plan

  • Accident repair may be carried out at any workshop of your choice.
  • However, for windscreen replacement carried out at workshops of your choice, the maximum amount that we will pay is $500 for each claim.
Third Party Fire & Theft

Third Party Fire & Theft

Cover loss or damage to your vehicle caused directly by fire or theft as well as your legal liability for any third party’s injury or property damage.

Third Party

Third Party

Cover  your legal liability coverage for any third party injury or property damage

All benefits and features are subject to terms and conditions

How much is my premium?

Your premium may vary, depending on:

  • Our underwriting criteria 
  • Your No Claim Discount (NCD) entitlement

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Important information

This insurance is underwritten by Tokio Marine Insurance Singapore Ltd. All benefits and features mentioned here are subject to the terms and conditions of the policy. Please refer to the policy contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only.

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