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Does car insurance pay for transport while your car is repaired?

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

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-car-insurance-pay-for-transport-while-your-car-is-repaired

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 some plans. 8 of the 20 insurers we compare include a transport allowance, a rental car or loss-of-use cash while your car is repaired after an accident; 6 sell it as an add-on. It is often S$50 to S$100 a day for 5 to 10 days, and some pay only when repairs take more than 3 days.

The figures

  • Insurers compared: 20, with 121 plans between them.
  • Insurers with at least one plan that covers it: 8.
  • Insurers that sell it as an optional add-on: 6.
  • Insurers whose documents do not say: 6.
  • 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 plans24-hour roadside assistance: 24-hour helpline arranges towing, minor roadside repairs and workshop referral at your own cost; towing and storage after an insured accident paid up to S$500; emergency medical evacuation in Malaysia or Thailand up to S$50,000; daily transport allowance S$50 a day for up to 10 days when repairs take more than 3 days (at most S$1,000 a year)
S$713.21Buy Now
EtiqaYesfrom S$753.48Yes
Private Car Insurance – Comprehensive (Authorised Workshop)1 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)Also included: Transport allowance S$50 a day, up to 5 days, when repairs at an Etiqa authorised workshop take over 3 daysOptional covers (extra premium): NCD Protector (30% NCD and above; priced here when you choose it: 10% more on Comprehensive); Etiqa Package (courtesy car, towing up to S$500 a year, higher personal accident cover, personal effects S$500); Gap Cover up to S$80,000; sunroof up to S$2,000; solar film up to S$1,000; free child seat cover up to S$300
S$753.48Buy Now
ERGOYesfrom S$790.88Yes
SMART Comprehensive2 of its 4 plansAlso included: Transport allowance up to S$60 a day for 5 days while your car is repaired (ERGO's product page)
S$790.88Buy Now
AllianzYesfrom S$873.27Yes
Allianz Motor Protect Comprehensive8 of its 26 plans24-hour roadside assistance: 24/7 roadside assistance for accident or breakdown: technician on site up to S$500, towing up to S$500 (in Malaysia or Thailand to the nearest workshop there); taxi home up to S$100; courtesy car up to 10 days (rental up to S$250 a day, for repairs of 24 hours or more) or S$50 a day transport allowance up to 10 days, one or the other, not on windscreen claims; "new for old" replacement if the car is under 2 years old and a total loss (not after flood or theft)
S$873.27Buy Now
LibertyYesfrom S$1,232.96Yes
Comprehensive Preferred Plan2 of its 11 plansRepairs at: Liberty's authorised workshops; a 1.6-litre rental car for up to 5 days while accident repairs are done
S$1,232.96Buy Now
QBEYesfrom S$1,586.28Yes
Private Motor Prestige Comprehensive1 of its 3 plansDamage to your car: New car replacement (replaced, or the full purchase price paid) for a car up to 36 months old; loss of use S$50 a day up to 5 days (S$250 a year) when repairs take more than 5 days
S$1,586.28Buy Now
SinglifeYesfrom S$1,730.28Yes
Motor Prestige1 of its 3 plansAlso included: New car if the repair bill tops 70% of the list price, or the car is stolen, within 24 months of buying it new; S$80 a day transport allowance for up to 10 days when accident repairs take over 3 days; personal belongings up to S$3,000; 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 10 points off your NCD
S$1,730.28Buy Now
MSIGYesYes
MotorMax Plus1 of its 2 plansDamage to your car: Market value at the time of loss; new-for-old replacement after a total loss within 12 months of first registration (up to S$100,000 above market value, S$110,000 for a fully electric car; not for flood or theft); transport allowance S$50 a day (S$60 for a fully electric car), up to 10 days a year, while the car is repaired after an accident (the brochure says up to S$60 a day)Electric vehicle cover: Emergency towing when the battery runs flat (S$50 excess), S$2,000 medical expenses for electric shock from battery leakage, S$60 a day transport allowance (up to 30 days after a battery fire total loss), lost key and lock replacement up to S$250
–
AIGOptional add-onfrom S$732.80Optional add-on
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$1,150
S$732.80Buy Now
Great AmericanOptional add-onfrom S$751.11Optional add-on
Motor Private Car Comprehensive (Authorised Workshop)2 of its 4 plansOptional covers (extra premium): NCD Protector (at least 50% NCD); daily transport allowance S$50 a day from the first day of repair, up to 10 days (repairs of at least three days)
S$751.11Buy Now
SompoOptional add-onfrom S$830.39Optional add-on
Comprehensive Cover – Authorised Workshop Plan2 of its 4 plansNCD protector: Optional, about 10% more premium, for NCD 10% or more: one at-fault claim in the year leaves your NCD as it is (a second claim cuts it); loss of use (S$50 a day, up to 7 days) and waiver of excess (once a year) are other paid add-ons
S$830.39Buy Now
FWDOptional add-onfrom S$866.72Optional add-on
Drivo Classic5 of its 5 plansOptional covers (extra premium): NCD Protector (at least 30% NCD; free at renewal after two years at 50% NCD with Income); daily transport allowance S$50 or S$100 a day, up to 7 days, for the first two claims; excess waiver (S$600 excess only); Roadside assistance and wellness cover S$8.72 a year
S$866.72Buy Now
Great EasternOptional add-onfrom S$890.03Optional add-on
Drive and Save Plus Comprehensive (Authorised Workshop)3 of its 5 plansOptional covers (extra premium): NCD Protector (50% NCD); loss of use S$80 a day, up to 7 days
S$890.03Buy Now
UOIOptional add-onfrom S$1,134.45Optional add-on
UniCar Comprehensive Value2 of its 4 plansNCD protector: Optional for NCD 30% or more: one claim in the year leaves your NCD as it is; loss of use (the daily amount in the schedule, up to 5 days when repairs take over 3 days) is another paid add-on
S$1,134.45Buy Now
ECICSNot statedfrom S$763.00Not stated
Comprehensive8 of its 8 plansThe plan's documents do not mention it.
S$763.00Buy Now
MS First CapitalNot statedfrom S$776.66Not stated
Comprehensive3 of its 3 plansThe plan's documents do not mention it.
S$776.66Buy Now
IncomeNot statedfrom S$866.72Not stated
Drivo Classic5 of its 5 plansThe plan's documents do not mention it.
S$866.72Buy Now
Budget DirectNot statedNot stated
Car Insurance – Comprehensive4 of its 4 plansThe plan's documents do not mention it.
–
DirectAsiaNot statedNot stated
Car Insurance – Comprehensive, Value plan15 of its 15 plansThe plan's documents do not mention it.
–
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 pay for transport while your car is repaired?

On some plans. 8 of the 20 insurers we compare include a transport allowance, a rental car or loss-of-use cash while your car is repaired after an accident; 6 sell it as an add-on. It is often S$50 to S$100 a day for 5 to 10 days, and some pay only when repairs take more than 3 days.

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.