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Does car insurance cover young or new drivers?

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-young-or-new-drivers

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, but usually with an extra excess. 15 of the 20 insurers we compare add an excess or limits when the driver is young or newly licensed, often S$2,500 to S$3,000 on top of the usual excess; 1 has a plan without one. "Young" means under 23 to under 30, depending on the insurer.

The figures

  • Insurers compared: 20, with 121 plans between them.
  • Insurers with at least one plan that covers it: 16.
  • Insurers whose documents do not say: 4.
  • Cheapest plan that covers it, for Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount: HL Assurance Car Protect360 Comprehensive, S$713.21.
  • Median price among the insurers that cover it, for the same example: S$866.72.

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
SinglifeYesfrom S$1,730.28Yes
Motor Prestige1 of its 3 plansOwn damage excess: Depends on the car model, S$300 to S$5,000 (own damage; each car at the lowest Singlife offers online for it); no extra excess for young or new drivers
S$1,730.28Buy Now
HL AssuranceYes, with limitsfrom S$713.21Yes, with limits
Car Protect360 Comprehensive1 of its 2 plansRepairs at: Any workshop; own-damage excess is halved at an HL Assurance Approved Workshop (see Own damage excess; a S$3,000 young or inexperienced driver excess applies on top when the car is driven by anyone other than the policyholder who is under 27 or licensed under 2 years)Terms: Own-damage excess (S$3,000 extra when the driver is not the policyholder and is under 27 or licensed under 2 years); wear and tear, mechanical or electrical breakdown
S$713.21Buy Now
AIGYes, with limitsfrom S$732.80Yes, with limits
AIG Car Insurance Collision Only2 of its 2 plansTowing and extras: Towing up to S$500 after a collision with another vehicle; in-car camera excess waiver of up to S$1,000 (S$1,090 incl. GST): the whole excess when AIG finds you not at fault, half of it when you are, for a collision with another vehicle repaired at an AIG workshop with the footage sent within 3 working days (not the young driver excess); policy lifetime repair guarantee; optional loss-of-use cash S$50 a day for up to 7 days a year, any-driver extension, glass roof (S$109 excess) and canvas top (S$381.50 excess) covers, solar film up to S$1,150Own damage excess: Depends on the car model, none to S$3,000 (S$1,000 or less on most cars, none on a few; each car's own figure, as AIG's quote gives it); a further S$3,270 incl. GST when the driver is under 23 or has driven under 2 yearsTerms: Young and/or inexperienced driver excess S$3,270 incl. GST (S$3,000 before GST) in addition to the policy excess, even when that excess is waived (drivers under 23 or with under 2 years' experience, the policyholder included)
S$732.80Buy Now
Great AmericanYes, with limitsfrom S$751.11Yes, with limits
Motor Private Car Comprehensive (Authorised Workshop)2 of its 4 plansTerms: Additional excess of S$3,500 for an unnamed driver under 24 years old or with less than 24 months of driving experience; S$500 for other unnamed drivers
S$751.11Buy Now
EtiqaYes, with limitsfrom S$753.48Yes, with limits
Private Car Insurance – Comprehensive (Authorised Workshop)2 of its 8 plansOwn damage excess: S$2,500, Tiq's default (a lower excess can be chosen on Tiq for a higher premium); S$1,000 more when a driver not named on the policy has the accident, S$4,000 more if that driver is under 27, over 75 or has held a full licence for under 2 years
S$753.48Buy Now
ECICSYes, with limitsfrom S$763.00Yes, with limits
Comprehensive6 of its 8 plansOwn damage excess: S$5,000, the highest excess ECICS's broker portal offers (S$750 standard; at S$5,000 the Comprehensive premium is 20% lower, the Family NCD Builder's S$350 unchanged; ECICS's own online quote sells S$750 only); on the first accident claim of the policy year, with you or a named driver driving and the repair at an ECICS Authorised Workshop, ECICS waives up to S$750 at 30% NCD or more, or up to S$250 below 30% if you send the in-car camera footage within 3 working days; an unnamed driver, and a young or inexperienced unnamed driver, pay further excesses shown on the schedule
S$763.00Buy Now
ERGOYes, with limitsfrom S$790.88Yes, with limits
SMART Comprehensive2 of its 4 plansOwn damage excess: S$500 standard, reduced on the first claim of the policy year if you send the in-car camera footage of the accident; a driver under 24 or with under two years of Singapore licence pays a further S$3,000
S$790.88Buy Now
FWDYes, with limitsfrom S$866.72Yes, with limits
Drivo Classic5 of its 5 plansTerms: An unnamed driver under 27, or with less than one year's driving experience, bears an extra S$2,500 excess; an unnamed driver 27 or older with a year's experience bears an extra S$500
S$866.72Buy Now
IncomeYes, with limitsfrom S$866.72Yes, with limits
Drivo Classic5 of its 5 plansTerms: An unnamed driver under 27, or with less than one year's driving experience, bears an extra S$2,500 excess; an unnamed driver 27 or older with a year's experience bears an extra S$500
S$866.72Buy Now
AllianzYes, with limitsfrom S$873.27Yes, with limits
Allianz Motor Protect Comprehensive10 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 theftWho is priced: Main drivers aged 25 to 75 (under 25 refused; 76 and over referred to an underwriter), no claim in the last 3 years; Comprehensive for cars made within the last 15 years, third-party covers for older cars too; the price does not depend on occupation or marital status; the optional NCD protector (NCD 30% and above) is in the price when you add it on the results page; the personal accident add-on is priced on the portal and is not in the figureTerms: Own-damage claims carry the excess shown in the Schedule, plus S$500 when an unnamed driver is driving (S$2,500 if that driver is under 27 or has driven under a year); no excess on fire, explosion, lightning or theft; the geographical area is Singapore, West Malaysia and Thailand within 80 km of the Malaysian border
S$873.27Buy Now
Great EasternYes, with limitsfrom S$890.03Yes, with limits
Drive and Save Plus Comprehensive (Authorised Workshop)3 of its 5 plansTerms: Additional excess of S$2,500 for an unnamed driver under 26, over 69 or with under 3 years' driving experience; S$500 for other unnamed drivers
S$890.03Buy Now
UOIYes, with limitsfrom S$1,134.45Yes, with limits
UniCar Comprehensive Value2 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
LibertyYes, with limitsfrom S$1,232.96Yes, with limits
Comprehensive Preferred Plan3 of its 11 plansOwn damage excess: S$600 for you or a named driver, S$1,100 for any other driver; a further S$3,000 when the driver is young, elderly or inexperienced
S$1,232.96Buy Now
Budget DirectYes, with limitsYes, with limits
Car Insurance – Comprehensive2 of its 4 plansOwn damage excess: S$600 policy excess (S$3,000 on the Higher Risk Comprehensive for two or more at-fault claims); a named driver under 25 or licensed under 2 years adds S$500 for each; an unnamed driver adds S$500 for age and S$500 for experience (S$1,500 each when under 25 or licensed under 2 years); all before GST; no policy excess when Budget Direct finds the accident wholly not your fault and another identified Singapore vehicle was involvedDriver plans: Authorised Driver plan: you, the main driver, up to 8 named drivers and anyone else you let drive (a household member of the main driver only if named); Named Driver plan: only the main and named drivers; the main driver must be 25 to 75 with 2 or more years' licence; unnamed, young and new drivers carry higher excesses
–
DirectAsiaYes, with limitsYes, with limits
Car Insurance – Comprehensive, Value plan14 of its 15 plansWho may drive: Value plan: the main driver plus up to four named drivers (at most two of them young or inexperienced: under 30, or under two years' licence); anyone else is not covered.Terms: The main driver must be 70 or under with at least two years of a valid driving licence; a newer driver is covered only as a named young or inexperienced driver (Value, Value Plus) or under the Flexible plan
–
MSIGYes, with limitsYes, with limits
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 claimsTerms: Young and/or inexperienced driver excess S$2,500 plus GST in addition to the schedule excess (under 23 years old or licence held under 2 years)
–
MS First CapitalNot statedfrom S$776.66Not stated
Comprehensive3 of its 3 plansThe plan's documents do not mention it.
S$776.66Buy Now
SompoNot statedfrom S$830.39Not stated
Comprehensive Cover – Authorised Workshop Plan4 of its 4 plansThe plan's documents do not mention it.
S$830.39Buy 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
India InternationalNot statedNot stated
Comprehensive (any workshop or authorised workshops)3 of its 3 plansThe plan's documents do not mention it.
–

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 young or new drivers?

Yes, but usually with an extra excess. 15 of the 20 insurers we compare add an excess or limits when the driver is young or newly licensed, often S$2,500 to S$3,000 on top of the usual excess; 1 has a plan without one. "Young" means under 23 to under 30, depending on the insurer.

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, HL Assurance Car Protect360 Comprehensive is the cheapest plan that covers it, at S$713.21 today, GST included. The median of each insurer's lowest price is S$866.72.