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FWD Car Insurance Review

Lock-in your no claims discount, get 24/7 support, and more.

Whether you’re after comprehensive protection or a more basic level of cover, FWD Car Insurance offers a range of policies to help keep you on the road. With handy benefits such as the chance to guarantee your no claims discount, peace of mind won’t be far away if you choose this provider.

Read on to find out about the three main types of insurance offered by FWD, along with some common exclusions to watch out for.

Compare FWD car insurance plans

Name Product Accidental Damage Roadside Assistance New Car Replacement Choice of Repairer Guarantee on Repairs
FWD Comprehensive Cover Car Insurance
FWD Comprehensive Cover Car Insurance
Use the promo code: FINCAR to get 20% discount when you purchase a Classic plan, or 25% discount for an Executive & Prestige plan. Ends 22 October 2021. T&Cs apply.
98.9% of Car insurance claims approved. Lifetime 50% NCD Guarantee.

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Interest-free instalment premium payments

For car insurance plans with an annual premium of more than S$500, you can enjoy up to 12 months of 0% interest instalment premium payments when you pay with your DBS/POSB or OCBC credit card.

Finder does not provide the products and services listed on its website (including insurance policies) to users. We do not assume any risk or undertake any liability under any insurance policies that we may provide information on.

There is no insurance agency relationship created between Finder and the user. We do not negotiate, service or effect insurance contracts on your behalf or on behalf of the insurer or insurance broker. We do not act as your agent.

What policies are available?

Comprehensive cover

FWD’s comprehensive plans offer the highest level of protection for a range of eventualities, including: loss or damage to your vehicle caused by accidents, fire, theft and natural disasters. It also offers protection if you cause damage to other people and property.

Third party, fire and theft cover

This type of policy covers you if your vehicle gets stolen or is damaged in a fire. Plus, it gives you cover in case you cause damage to other people and their cars.

Third party only

The minimum amount of legal cover, this policy type only offers cover for any damage which you cause to other people and their cars.

FWD Car Insurance levels of cover

  • Covers accidents, fire, theft, natural disasters, vandalism and more
  • Choose your preferred workshop for repairs
  • Daily transport allowance while you car’s being repaired
  • If your No Claims Discount is 50%, you’ll keep this as long as you stay with FWD
  • Other drivers can be insured without being named on your policy
  • Repairs guaranteed until your car turns 10
  • Taxi reimbursement following an accident
  • 24hr roadside assistance
  • Cover while driving in West Malaysia and parts of Thailand
  • Towing costs
  • Unlimited legal liability cover
  • Up to S$3,000 in legal fees
  • Up to S$5,000 in medical expenses cover after an accident
  • Up to S$500,000 in family protection in case of parents’ death or permanent disability
  • Use of courtesy car if your car’s written off or stolen – available with most comprehensive plans
  • Covers loss or damage caused by fire and theft
  • Cover while driving in West Malaysia and parts of Thailand
  • Other drivers can be insured without being named on your policy
  • Unlimited legal liability cover
  • Up to S$3,000 in legal fees
  • Repairs guaranteed until your car turns 10
  • Towing costs
  • 24hr roadside assistance
  • Cover while driving in West Malaysia and parts of Thailand
  • Other drivers can be insured without being named on your policy
  • Unlimited legal liability cover
  • Up to S$3,000 in legal fees
  • 24hr roadside assistance

What won’t be covered?

There is no cover available for a claim under your FWD Car Insurance policy if:

  • Your car was being driven by an unlicensed driver, or someone whom the insurer has declined to cover
  • Your car was being driven by someone who was under the influence of alcohol or drugs
  • Your vehicle was carrying more people, or a larger load than the legal limit
  • Your car was being driven while in an unsafe or un-roadworthy condition
  • Your car was being used to carry passengers for business purposes
  • Your car is being used for purposes of racing
  • Your vehicle was subjected to a deliberate, intentional, malicious or criminal act by you, anyone person driving your car, or anyone else acting with your consent
  • It is for any loss of use of your vehicle
  • It results from the lawful seizure of your vehicle
  • It is for loss or damage that occurs after an accident, theft or breakdown unless you have taken reasonable steps to protect your vehicle

These are just some of the general policy exclusions, so it’s important to read FWD’s policy wording with care so that you understand all of the exclusions you’ll need to keep in mind.

What excess will I be charged?

An excess is the contribution you have to pay towards a claim you make on your policy. The standard excess level charged by FWD, if your car is accidentally damaged, starts from S$750. The excess varies depending on the car’s make and model. Also, drivers under 27 years of age are subject to the higher excess of S$2,500 following an accident.

How to sign up

To sign up for a car insurance policy with FWD, you’ll need to start by making sure you’re eligible for a policy. You have to:

  • Be between the ages of 20 and 69
  • Drive a car that’s 12 years old or younger
  • Use your car for social, domestic and pleasure only – not for business use

The easiest way to get cover is to get a quote online through FWD’s website. You could also call them on +65 6820 8888, or visit their branch in-person at 6 Temasek Boulevard, #18-01 Suntec Tower 4, Singapore 038986.

Making a Claim

If you need to lodge a claim on your FWD Car Insurance policy, you can claim online at any time. You’ll need to have your policy number with you when making a claim, as well as details of the accident. Gathering details from any other drivers and witnesses involved in an incident, as well as obtaining a police incident report number (where applicable), are also key steps.

Frequently asked questions

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