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Does car insurance cover theft of your car?

By , Writer · As of 12 Nov 2026 (Singapore time)

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-car-insurance-cover-theft-of-your-car

Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.

Yes, on comprehensive and on third party, fire and theft plans. 17 of the 20 insurers we compare state it in the benefits we hold; 3 do not spell it out. Several charge no excess on a theft claim. A third-party-only plan does not pay for your own car, and things stolen from inside the car may not be covered.

The figures

  • Insurers compared: 20, with 121 plans between them.
  • Insurers with at least one plan that covers it: 17.
  • Insurers whose documents do not say: 3.
  • Cheapest plan that covers it, for Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount: Etiqa Private Car Insurance – Comprehensive (Authorised Workshop), S$753.48.
  • Median price among the insurers that cover it, for the same example: S$870.00.

What each insurer says

Each insurer's most favourable plan on this question, quoted from its policy documents. Prices are for Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount.
InsurerCovered?What the policy saysFrom
EtiqaYesfrom S$753.48Yes
Private Car Insurance – Comprehensive (Authorised Workshop)2 of its 8 plans24-hour roadside assistance: 24-hour helpline in Singapore and West Malaysia: phone troubleshooting, and a technician or tow arranged (at your cost for a breakdown); towing after an accident or theft paid up to S$200 a year (S$500 with the Etiqa Package add-on)
S$753.48Buy Now
AIGYesfrom S$860.08Yes
AIG Car Insurance Complete1 of its 2 plansDamage to your car: Collision or overturning, fire, theft, malicious damage, falling objects, act of God such as flood, and riot, at market value (COE and PARF value included on a total loss)
S$860.08Buy Now
IncomeYesfrom S$866.72Yes
Drivo Classic5 of its 5 plansOwn damage excess: S$600 per accident claim unless the certificate says otherwise (none on fire or theft claims); an optional excess waiver covers the basic S$600 excess
S$866.72Buy Now
AllianzYesfrom S$873.27Yes
Allianz Motor Protect Comprehensive9 of its 26 plansOwn damage excess: S$2,000, the highest Allianz offers online, and this price is quoted at it; the same cover at the lowest excess Allianz offers for the car (S$0 on most cars, S$600 on most electric cars, S$1,000 or S$1,500 on high-powered ones) is its own card for a higher premium; plus S$500 when an unnamed driver is driving (S$2,500 if under 27 or driving under a year); none on fire, explosion, lightning or theft
S$873.27Buy Now
UOIYesfrom S$1,134.45Yes
UniCar Comprehensive Value3 of its 4 plansOwn damage excess: S$500 on most cars (S$600 to S$4,000 on some models, as UOI's quote shows; the app offers S$1,000 or S$1,500 for 10% or 15% off, or S$0 at a loading); a young or inexperienced driver (under 25, licensed under 3 years or on a provisional licence) or an unnamed driver carries an extra excess shown in the schedule (not on fire or theft claims), and a claim in the last 3 years adds S$200 to S$2,000 to it by the claim's amount (S$200 under S$3,001, S$600 at S$5,001-10,000, S$1,000 at S$10,001-20,000)
S$1,134.45Buy Now
SinglifeYesfrom S$1,162.45Yes
Motor Lite3 of its 3 plansAlso included: New car if the repair bill tops 70% of the list price, or the car is stolen, within 12 months of buying it new; child seat up to S$250; no excess when Singlife finds the accident was not your fault and another identifiable Singapore car was involved; a claim takes 30 points off your NCD (50% falls to 20%)
S$1,162.45Buy Now
DirectAsiaYesYes
Car Insurance – Third Party, Fire & Theft, Value plan6 of its 15 plansRepairs at: DirectAsia's authorised workshops for fire and theft damage (its My Workshop option, a tenth more, lets you choose your own)Fire and theft: Damage to your car by fire, and loss if your car is stolen
–
ECICSYesYes
Third Party, Fire & Theft1 of its 8 plansRepairs at: ECICS Authorised Workshops, for fire and theft damage (the Any Workshops add-on is not sold on this cover)
–
Great AmericanYesYes
Motor Private Car Third Party, Fire and Theft1 of its 4 plansRepairs at: Not applicable (own-car cover is for fire and theft only)
–
Great EasternYesYes
Drive and Save Plus Third Party, Fire & Theft1 of its 5 plansRepairs at: Not applicable (own-car cover is fire, explosion, lightning, burglary and theft only)24-hour roadside assistance: Towing only after fire or theft damage, up to S$300 (wording section 1.3); no accident towing
–
HL AssuranceYesYes
Car Protect360 Third Party, Fire and Theft1 of its 2 plansRepairs at: Fire and theft only: loss or damage by fire or theft paid up to the market value; no accident repairs and no own-damage excess24-hour roadside assistance: 24-hour helpline arranges towing, minor roadside repairs and workshop referral at your own cost; towing and storage paid up to S$500 only after a fire or theft; emergency medical evacuation in Malaysia or Thailand up to S$50,000
–
India InternationalYesYes
Third Party, Fire and Theft1 of its 3 plansRepairs at: Loss or damage by fire or theft only, up to market value; no accident damage cover
–
LibertyYesYes
Third-party, fire & theft1 of its 11 plansRepairs at: Fire and theft only: loss or damage by fire or theft paid up to market value; no accident repairs
–
MS First CapitalYesYes
Third Party Fire and Theft1 of its 3 plansRepairs at: Not applicable (only fire and theft of your car are covered, at market value)Fire and theft: Loss or damage from fire or theft, at market value; no other damage to your car
–
MSIGYesYes
MotorMax2 of its 2 plansOwn damage excess: S$600 for each claim (S$100 for windscreen, waived if repaired); a further S$2,500 when the driver is under 23 or has held a licence for under 2 years; no excess on fire or theft claims
–
SompoYesYes
Third Party, Fire and Theft Cover1 of its 4 plansRepairs at: Fire and theft only: your car is covered up to market value for fire, explosion, lightning and theft; no accident damage cover
–
Budget DirectYes, with limitsYes, with limits
Car Insurance – Comprehensive3 of its 4 plansDamage to your car: Accident damage (including flood, fallen trees and vandalism), fire, theft and attempted theft, up to market value, with recovery, towing and storage to an authorised workshop; no policy excess on fire or theft claims24-hour roadside assistance: Not included in this price: optional 24-hour roadside assistance (call-out fee, towing up to S$200); towing after an accident, fire or theft is covered (up to S$200 in Singapore, S$500 outside)Excluded: Items stolen from the car (its parts included) unless the car is stolen at the same time
–
ERGONot statedfrom S$790.88Not stated
SMART Comprehensive4 of its 4 plansThe plan's documents do not mention it.
S$790.88Buy Now
FWDNot statedfrom S$866.72Not stated
Drivo Classic5 of its 5 plansThe plan's documents do not mention it.
S$866.72Buy Now
QBENot statedfrom S$1,586.28Not stated
Private Motor Prestige Comprehensive2 of its 3 plansThe plan's documents do not mention it.
S$1,586.28Buy Now

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 insurance

Buy Now addresses

Each listed insurer's best-value plan for Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount, lowest premium first.

Questions people ask

Does car insurance cover theft of your car?

Yes, on comprehensive and on third party, fire and theft plans. 17 of the 20 insurers we compare state it in the benefits we hold; 3 do not spell it out. Several charge no excess on a theft claim. A third-party-only plan does not pay for your own car, and things stolen from inside the car may not be covered.

Where do these answers come from?

From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 121 plans from 20 insurers. The policy wording is the final word on what is covered.

Which plan is cheapest?

For Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount, Etiqa Private Car Insurance – Comprehensive (Authorised Workshop) is the cheapest plan that covers it, at S$753.48 today, GST included. The median of each insurer's lowest price is S$870.00.