Car insurance
Does car insurance cover Grab or private-hire driving?
As of 28 Oct 2026 (Singapore time)
No, not on a private car plan. 14 of the 18 insurers we compare exclude use for hire or reward, which includes driving for Grab, Gojek or another ride-hailing app; 4 do not say so in the terms we hold. Private-hire drivers need a private-hire car policy, or an accident with a paying passenger may not be paid.
The figures
- Insurers compared: 18, with 101 plans between them.
- Insurers that exclude it on every plan: 14, 2 of them with exceptions.
- Insurers whose documents do not say: 4.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| DirectAsiaExcluded, with exceptionsfrom S$976.44 | Excluded, with exceptions | Car Insurance – Comprehensive, Value plan15 of its 15 plansExcluded: Use for hire or reward, such as private-hire driving, unless declared | S$976.44 |
| UOIExcluded, with exceptionsfrom S$1,106.58 | Excluded, with exceptions | UniCar Comprehensive Value4 of its 4 plansExcluded: Motor competitions, racing, contests; commercial, leasing, rental or hire and reward use without UOI's written consent | S$1,106.58 |
| India InternationalNofrom S$604.07 | No | Comprehensive (any workshop or authorised workshops)3 of its 3 plansExcluded: Use for hire or reward, carriage of goods, motor trade, driving tuition, racing, pace making, reliability trials, speed testing or test drivingExcluded: Company use, private-hire use, electric cars and the five models the gateway flags for referral are not quoted online | S$604.07 |
| HL AssuranceNofrom S$698.03 | No | Car Protect360 Comprehensive2 of its 2 plansExcluded: Use for hire, reward, rental, lease or commercial purposes; racing, pace-making, speed testing | S$698.03 |
| Budget DirectNofrom S$710.92 | No | Car Insurance – Comprehensive4 of its 4 plansExcluded: Motor trade, driving tuition, hire or rental, and ride-hailing use (private car-pooling without profit is allowed) | S$710.92 |
| AIGNofrom S$721.67 | No | AIG Car Insurance Collision Only2 of its 2 plansExcluded: Use for hire or reward, driving tuition or tests, racing, pace making, reliability trials, speed testing or test driving, carriage of goods (other than samples) or motor trade | S$721.67 |
| EtiqaNofrom S$725.20 | No | Private Car Insurance – Comprehensive (Authorised Workshop)4 of its 8 plansExcluded: Use for hire or reward (private-hire work needs its own policy), racing or speed-testing | S$725.20 |
| MS First CapitalNofrom S$732.08 | No | Comprehensive3 of its 3 plansExcluded: Commercial use, hire or reward | S$732.08 |
| SompoNofrom S$790.40 | No | Comprehensive Cover – Authorised Workshop Plan4 of its 4 plansExcluded: Use for hire and reward or paid carpooling; use outside the geographical area or limitations as to use; airside use | S$790.40 |
| Great EasternNofrom S$830.70 | No | Drive and Save Plus Comprehensive (Authorised Workshop)5 of its 5 plansExcluded: Use outside the 'Limitations as to use' on the certificate (e.g. hire and reward such as GrabCar); driving by anyone who is not an authorised driver; driving under the influence of alcohol or drugs | S$830.70 |
| ECICSNofrom S$843.91 | No | Comprehensive6 of its 6 plansExcluded: Use for hire or reward, carriage of goods (other than samples), motor trade, driving tuition or tests, racing, pace making, reliability trials, speed testing or test driving | S$843.91 |
| FWDNofrom S$866.72 | No | Drivo Classic5 of its 5 plansExcluded: Not for private-hire or rental cars, and the buyer must have made no claim in the past 3 years (the funnel refuses a quote otherwise) | S$866.72 |
| IncomeNofrom S$866.72 | No | Drivo Classic5 of its 5 plansExcluded: Not for private-hire or rental cars, and the buyer must have made no claim in the past 3 years (the funnel refuses a quote otherwise) | S$866.72 |
| AllianzNofrom S$873.27 | No | Allianz Motor Protect Comprehensive6 of its 14 plansExcluded: Use other than social, domestic and pleasure (or a permitted car pool): on a racetrack, in the motor trade, carrying goods for payment, in connection with any trade or business (private-hire use is not covered); car not registered or registration cancelled | S$873.27 |
| ERGONot statedfrom S$790.88 | Not stated | SMART Comprehensive4 of its 4 plansThe plan's documents do not mention it. | S$790.88 |
| SinglifeNot statedfrom S$912.99 | Not stated | Motor Lite3 of its 3 plansThe plan's documents do not mention it. | S$912.99 |
| LibertyNot statedfrom S$1,219.83 | Not stated | Comprehensive Preferred Plan4 of its 11 plansThe plan's documents do not mention it. | S$1,219.83 |
| QBENot statedfrom S$1,687.22 | Not stated | Private Motor Prestige Comprehensive2 of its 3 plansThe plan's documents do not mention it. | S$1,687.22 |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare car insuranceQuestions people ask
Does car insurance cover Grab or private-hire driving?
No, not on a private car plan. 14 of the 18 insurers we compare exclude use for hire or reward, which includes driving for Grab, Gojek or another ride-hailing app; 4 do not say so in the terms we hold. Private-hire drivers need a private-hire car policy, or an accident with a paying passenger may not be paid.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 101 plans from 18 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
Prices depend on your answers: get a quote to see every insurer's price for you.