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Does car insurance include personal accident cover?

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

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-car-insurance-include-personal-accident-cover

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.

On many comprehensive plans. 15 of the 20 insurers we compare include personal accident cover for the policyholder on at least one plan; 4 sell it only as an add-on. Cover for other drivers and passengers is often lower or not included, so check if you often carry other people.

The figures

  • Insurers compared: 20, with 121 plans between them.
  • Insurers with at least one plan that covers it: 15.
  • Insurers that sell it as an optional add-on: 4.
  • Insurers that exclude it on every plan: 1.
  • 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$848.56.

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
HL AssuranceYesfrom S$713.21Yes
Car Protect360 Comprehensive1 of its 2 plansPersonal accident (driver): S$20,000 for the policyholder (an authorised driver or each passenger S$10,000; drivers 18 to 65, passengers 16 to 65); medical expenses up to S$1,000 a person
S$713.21Buy Now
Great AmericanYesfrom S$751.11Yes
Motor Private Car Comprehensive (Authorised Workshop)2 of its 4 plansPersonal accident (driver): Up to S$20,000; medical expenses up to S$500
S$751.11Buy Now
EtiqaYesfrom S$753.48Yes
Private Car Insurance – Comprehensive (Authorised Workshop)2 of its 8 plansPersonal accident (driver): S$50,000 (you only, aged 18 to 65; the Etiqa Package add-on raises it to S$100,000 and adds S$20,000 for an authorised driver and S$10,000 a passenger); medical expenses up to S$1,000 per injured person
S$753.48Buy Now
ECICSYesfrom S$763.00Yes
Comprehensive6 of its 8 plansPersonal accident (driver): S$50,000 for you and your named drivers (a named driver for one accident a year); the Personal Accident+ add-on raises it to S$80,000, S$110,000 or S$150,000
S$763.00Buy Now
MS First CapitalYesfrom S$776.66Yes
Comprehensive1 of its 3 plansPersonal accident (driver): S$20,000 for the insured (passengers also covered)
S$776.66Buy Now
ERGOYesfrom S$790.88Yes
SMART Comprehensive2 of its 4 plansPersonal accident (driver): S$50,000 for you, the policyholder, aged 16 to 65 (policy Section IV)
S$790.88Buy Now
SompoYesfrom S$830.39Yes
Comprehensive Cover – Authorised Workshop Plan2 of its 4 plansPersonal accident (driver): S$50,000 for you as the policyholder (death, loss of both eyes or limbs; S$25,000 for one eye, hand or foot); your authorised drivers get half, up to S$25,000; not payable over age 70
S$830.39Buy Now
FWDYesfrom S$866.72Yes
Drivo Classic5 of its 5 plansPersonal accident (driver): S$50,000 (you); S$25,000 each authorised driver or passenger; medical expenses up to S$1,000
S$866.72Buy Now
IncomeYesfrom S$866.72Yes
Drivo Classic5 of its 5 plansPersonal accident (driver): S$50,000 for the policyholder (an authorised driver or each passenger S$25,000); medical expenses up to S$1,000 a person
S$866.72Buy Now
Great EasternYesfrom S$890.03Yes
Drive and Save Plus Comprehensive (Authorised Workshop)3 of its 5 plansPersonal accident (driver): S$120,000 (you); S$50,000 each authorised driver or passenger; medical expenses S$1,000 per person; the personal accident cover pays only people aged 16 to 65
S$890.03Buy Now
UOIYesfrom S$1,134.45Yes
UniCar Comprehensive Value2 of its 4 plansPersonal accident (driver): S$20,000 for you as the insured driver (S$10,000 for loss of one eye, hand or foot; S$10,000 each unnamed passenger), age 16 to 65 only
S$1,134.45Buy Now
LibertyYesfrom S$1,232.96Yes
Comprehensive Preferred Plan2 of its 11 plansPersonal accident (driver): S$50,000 for you, the policyholder, aged 16 to 65 (no personal accident cover for other drivers or passengers); medical expenses up to S$1,000 a person for you, your authorised driver and passengers
S$1,232.96Buy Now
SinglifeYesfrom S$1,262.98Yes
Motor Standard2 of its 3 plansPersonal accident (driver): Death up to S$50,000; loss of limb or sight/hearing in one eye/ear up to S$25,000 (one limit shared by everyone in the car); Additional Personal Accident rider up to S$100,000 optional
S$1,262.98Buy Now
QBEYesfrom S$1,586.28Yes
Private Motor Prestige Comprehensive1 of its 3 plansPersonal accident (driver): S$20,000 for the insured in a period of insurance (passengers S$10,000 each, S$50,000 in all)
S$1,586.28Buy Now
MSIGYesYes
MotorMax2 of its 2 plansPersonal accident (driver): S$20,000 for the policyholder (authorised driver and each passenger S$10,000)
–
AllianzOptional add-onfrom S$873.27Optional add-on
Allianz Motor Protect Comprehensive10 of its 26 plansPersonal accident (driver): Not included as standard; optional Personal Accident and Medical Expenses add-on: S$50,000 for you (S$25,000 for an authorised driver) and S$25,000 for each passenger on death or permanent disability, medical expenses up to S$1,000 for each person in the car
S$873.27Buy Now
Budget DirectOptional add-onOptional add-on
Car Insurance – Comprehensive4 of its 4 plansPersonal accident (driver): Not included in this price: Budget Direct's optional personal accident cover, bought on its site, pays a share of the limit on your policy summary for death or loss of sight or limbs; optional medical expenses up to S$500 a person per accident
–
DirectAsiaOptional add-onOptional add-on
Car Insurance – Comprehensive, Value plan15 of its 15 plansPersonal accident (driver): Not included in this price; DirectAsia's optional driver personal accident cover (S$100,000) adds S$54.50 a year on its site (it sells up to S$500,000)
–
India InternationalOptional add-onOptional add-on
Comprehensive (any workshop or authorised workshops)1 of its 3 plansPersonal accident (driver): Not covered for the driver: the buy page offers personal accident only for unnamed passengers, as an add-on (S$50 on the quote); medical expenses up to S$300
–
AIGNofrom S$732.80No
AIG Car Insurance Collision Only2 of its 2 plansPersonal accident (driver): Not included in the online plans
S$732.80Buy 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 include personal accident cover?

On many comprehensive plans. 15 of the 20 insurers we compare include personal accident cover for the policyholder on at least one plan; 4 sell it only as an add-on. Cover for other drivers and passengers is often lower or not included, so check if you often carry other people.

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$848.56.