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Does car insurance let you use any workshop?

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

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-car-insurance-let-you-use-any-workshop

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 plans, usually for a higher premium. 18 of the 20 insurers we compare have a plan or option that lets you choose your workshop. The others send you to their authorised workshops, and repairs elsewhere may not be paid in full, so check before you take the car in.

The figures

  • Insurers compared: 20, with 121 plans between them.
  • Insurers with at least one plan that covers it: 18.
  • Insurers whose documents do not say: 2.
  • 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$873.27.

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 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)
S$713.21Buy Now
EtiqaYesfrom S$753.48Yes
Private Car Insurance – Comprehensive (Authorised Workshop)2 of its 8 plansRepairs at: Etiqa authorised workshops, with a 9-month repair warranty and a transport allowance when repairs take over 3 days (see Also included; repairs anywhere need Tiq's 'My Workshop' option, shown as its own card under Repairs at: any workshop)
S$753.48Buy Now
ECICSYesfrom S$763.00Yes
Comprehensive7 of its 8 plansRepairs at: ECICS Authorised Workshops (its "Any Workshops" add-on, +40% of the premium or +16.5% for a BYD, lets you choose any workshop)
S$763.00Buy Now
MS First CapitalYesfrom S$776.66Yes
Comprehensive1 of its 3 plansRepairs at: Any workshop (the online quote is on an any-workshop basis)
S$776.66Buy Now
AllianzYesfrom S$873.27Yes
Allianz Motor Protect Comprehensive8 of its 26 plansRepairs at: Allianz Authorised Workshop panel (lifetime warranty on repairs there); any workshop of your choice only with the optional Repairs at Any Workshop endorsement; authorised repair limit S$350 per accident without prior approval; the endorsement is shown as its own card under Repairs at: any workshop
S$873.27Buy Now
ERGOYesfrom S$984.40Yes
ENHANCED Comprehensive1 of its 4 plansRepairs at: Any workshop: at an ERGO authorised workshop up to S$500 of the excess is waived on the first claim of the policy year; elsewhere the standard excess applies
S$984.40Buy Now
FWDYesfrom S$1,085.78Yes
Drivo Premium2 of its 5 plansRepairs at: Your preferred workshop, with the option of original manufacturer parts
S$1,085.78Buy Now
IncomeYesfrom S$1,085.78Yes
Drivo Premium2 of its 5 plansRepairs at: Your preferred workshop, with the option of original manufacturer parts
S$1,085.78Buy Now
SinglifeYesfrom S$1,262.98Yes
Motor Standard2 of its 3 plansRepairs at: Any repairer (excess doubled at a non-approved repairer)
S$1,262.98Buy Now
Budget DirectYesYes
Car Insurance – Comprehensive2 of its 4 plansRepairs at: Budget Direct's authorised workshops and approved repair centres (12-month guarantee on repairs there); repairs at a workshop of your choice need its optional Any Workshop cover, priced on its site
–
DirectAsiaYesYes
Car Insurance – Comprehensive, Value plan with My Workshop6 of its 15 plansRepairs at: Any workshop in Singapore (DirectAsia's My Workshop option, included in this price)
–
Great AmericanYesYes
Motor Private Car Comprehensive (Any Workshop)1 of its 4 plansRepairs at: Any workshop of your choice
–
Great EasternYesYes
GREAT EV Protect Comprehensive (Any Workshop)2 of its 5 plansRepairs at: Any workshop of your choice, including the dealer (GREAT EV Protect is one Comprehensive Any Workshop plan for electric cars)
–
India InternationalYesYes
Comprehensive (any workshop or authorised workshops)1 of its 3 plansRepairs at: Your choice: any workshop, or the insurer's authorised workshops for 10% less (the "authorised workshop discount" on the buy page); own-damage excess by engine size (see Own damage excess)
–
MSIGYesYes
MotorMax Plus1 of its 2 plansRepairs at: Any workshop, including the dealer's workshop in Singapore
–
QBEYesYes
Private Motor Prestige Comprehensive1 of its 3 plansRepairs at: Any workshop of your choice (QBE's Non-Authorised Workshop option, which adds 20% to the premium); a franchise (dealer) workshop only while the car is under the maker's warranty, otherwise a further excess (see Own damage excess)
–
SompoYesYes
Comprehensive Cover – Preferred Workshop Plan1 of its 4 plansRepairs at: Any workshop of your choice, including Sompo's authorised workshops (Sompo's product page says cars up to 10 years old; its online quote offers this plan up to 15 years)
–
UOIYesYes
UniCar Comprehensive Plus1 of its 4 plansRepairs at: Any repair workshop of your choice, or UOI authorised workshops
–
AIGNot statedfrom S$732.80Not stated
AIG Car Insurance Collision Only2 of its 2 plansThe plan's documents do not mention it.
S$732.80Buy Now
LibertyNot statedfrom S$1,232.96Not stated
Comprehensive Preferred Plan4 of its 11 plansThe plan's documents do not mention it.
S$1,232.96Buy 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 let you use any workshop?

On many plans, usually for a higher premium. 18 of the 20 insurers we compare have a plan or option that lets you choose your workshop. The others send you to their authorised workshops, and repairs elsewhere may not be paid in full, so check before you take the car in.

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$873.27.