Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

MSIG Car Insurance

Comprehensive cover, 24/7 support and a simple claims process are among the benefits of choosing MSIG.


Fact checked

If you’re looking for comprehensive cover for you and your vehicle, MSIG Car Insurance offers two policies to help you get on the road. Read on to find out the difference between the two core plans which are available with MSIG. Plus, learn about the common exclusions to be aware of.

Finder does not currently have access to this car insurance provider. Please review the product details, application criteria and terms and conditions on the provider website if you are considering applying for this product.

Compare MSIG car insurance plans

Name Product Accidental Damage Roadside Assistance New Car Replacement Fire and Theft Guarantee on Repairs
MSIG Private Motor MotorMax Car Insurance
MSIG Private Motor MotorMax Plus Car Insurance

Compare up to 4 providers

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?

MotorMax Plus

MSIG’s most comprehensive plan offers the highest protection against a range of road incidents, and included damages to third party property and for bodily injury to others. It’ll also cover vandalism, while you’ll also be compensated for any loss or damage to your vehicle after an accident, as well as from fire, theft, civil unrest or natural disasters. The reimbursement will be paid up to the market value of the insured vehicle at the time of loss or damage.


The MotorMax plan provides a similar amount of comprehensive cover to MotorMax Plus. However, you’ll have to repair your car at one of MSIG’s authorised workshops. In terms of personal accident benefits, this plan only covers you up to $20,000 compared with the $100,000 offered by the MotorMax Plus plan.

MSIG Car Insurance levels of cover

  • New replacement car if your car is destroyed, and it was less than twelve months old
  • Repairs at a workshop of your choice
  • 24/7 automobile assistance services for emergency towing, police report notification and locksmith referral
  • Windscreen replacement cover (a S$100 excess applies)
  • S$1,000 in medical expenses for the policyholder
  • Up to S$100,000 in personal accident cover
  • S$50,000 in personal accident cover per passenger, up to the legal seating capacity
  • Up to S$1,000 in medical expenses for each passenger
  • Transport allowance of $50 per day (up to 10 days) while the insured vehicle undergoes repair after accident damage, if the approved repair period is more than three days
  • Loan protection benefits of up to $100,000 following accidental death of the policyholder in connection to the insured vehicle
  • Unlimited legal liability to third parties for bodily injuries
  • Up to S$5 million coverage for third-party property damage
  • Repairs at MSIG’s authorised workshop
  • 24/7 automobile assistance services for emergency towing, police report notification and locksmith referral
  • Windscreen replacement cover (S$100 excess applies)
  • Up to S$20,000 in personal accident cover
  • S$10,000 in personal accident cover per passenger, up to legal seating capacity
  • S$1,000 in medical expenses for policyholder
  • Up to S$1,000 in medical expenses for each passenger
  • Unlimited legal liability to third parties for bodily injuries
  • Up to S$5 million coverage for third party property damage

What won’t be covered?

There are a list of typical exclusions which will apply to your MSIG Car Insurance policy. These exclusions include events such as:

  • 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

What excess will I be charged?

An additional Young and/or Inexperienced Driver Excess of $3,000 applies for any person (other than the main Policyholder) making a claim on your vehicle, who is under 27 years old and/or has held a valid driving licence for two years or less.

Check your policy wording carefully so that you are aware of any standard excess payments you’ll need to make, as a contribution towards a claim after an accident or a breakdown.

Making a claim

If you suffer an accident, for insurance purposes you must report it to MSIG and bring your vehicle to an authorised workshop for inspection within 24 hours or by the next working day. To file a claim with MSIG, you’ll need to visit an authorised workshop or IDAC centre – this provider does not let you submit a motor claims form online.

Bottom line

With a presence in Singapore for over 100 years, MSIG is a well-trusted brand in Singapore and one of Asia’s leading general insurers. The brand is one of the few foreign‑based general insurers who offer a wide range of personal and commercial insurance solutions. If you’re looking for a reliable car insurer, MSIG Car Insurance is worth considering, especially if you are looking for a comprehensive car insurance policy. Since there are a number of car insurers in Singapore, it is always good to take your time to compare across the different brands to find a solution catered to your needs.

Frequently asked questions

Read more on this topic

Go to site