{"id":16671,"date":"2025-11-06T17:34:57","date_gmt":"2025-11-06T09:34:57","guid":{"rendered":"https:\/\/carro.co\/sg\/blog\/?p=16671"},"modified":"2025-11-06T17:34:57","modified_gmt":"2025-11-06T09:34:57","slug":"a-guide-to-car-insurance-in-singapore-third-party-fire-theft-or-comprehensive","status":"publish","type":"post","link":"https:\/\/carro.co\/sg\/blog\/a-guide-to-car-insurance-in-singapore-third-party-fire-theft-or-comprehensive\/","title":{"rendered":"A guide to car insurance in Singapore: third-party, fire &#038; theft, or comprehensive?"},"content":{"rendered":"<span style=\"font-weight: 400;\">When it comes to car insurance in Singapore, you have three main choices - third-party, third-party, fire &amp; theft (TPFT) or comprehensive insurance.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">All three meet the legal requirement for car insurance, but they offer very different levels of protection. Knowing how they differ can help you choose one that fits your car\u2019s age, value, and your budget.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">If you\u2019re on the lookout for car insurance, you can compare and find the best car insurance with <\/span><a href=\"https:\/\/carro.co\/sg\/en\/insurance\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Coverro<\/span><\/a><span style=\"font-weight: 400;\">.<\/span>\r\n<h2><b>What is third-party car insurance?<\/b><\/h2>\r\n<figure id=\"attachment_16673\" aria-describedby=\"caption-attachment-16673\" style=\"width: 1211px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-16673\" src=\"https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/11\/18109-300x200.jpg\" alt=\"car accident insurance\" width=\"1211\" height=\"807\" title=\"\" srcset=\"https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/11\/18109-300x200.jpg 300w, https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/11\/18109-1024x683.jpg 1024w, https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/11\/18109-768x513.jpg 768w, https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/11\/18109.jpg 1500w\" sizes=\"auto, (max-width: 1211px) 100vw, 1211px\" \/><figcaption id=\"caption-attachment-16673\" class=\"wp-caption-text\"><a href=\"https:\/\/www.freepik.com\/free-photo\/insurance-agent-working-site-car-accident-claim-process-people-car-insurance-claim_5597948.htm#fromView=search&amp;page=1&amp;position=1&amp;uuid=de17c17d-eb1f-43d8-b5a2-b4e4fab72450&amp;query=car+accident\" target=\"_blank\" rel=\"noopener nofollow\"><i><span style=\"font-weight: 400;\">Source<\/span><\/i><\/a><\/figcaption><\/figure>\r\n\r\n<span style=\"font-weight: 400;\">Third-party insurance is the most basic and affordable option. It\u2019s the <\/span><b>minimum coverage required by law<\/b><span style=\"font-weight: 400;\">.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">It covers injury or damage you cause to other people, their cars, or property, but <\/span><b>not your own vehicle<\/b><span style=\"font-weight: 400;\">.<\/span>\r\n\r\n<b>Example:<\/b><b>\r\n<\/b><span style=\"font-weight: 400;\">If you hit another vehicle, your insurer will pay for the other party\u2019s repairs. But any damage to your own car will come out of your pocket.<\/span>\r\n\r\n<b>Best for:<\/b>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Older cars with low resale value<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Drivers who want the lowest premium<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Owners comfortable paying for their own repairs<\/span><\/li>\r\n<\/ul>\r\n<h2><b>What is third-party, fire &amp; theft (TPFT) car insurance?<\/b><\/h2>\r\n<figure id=\"attachment_16675\" aria-describedby=\"caption-attachment-16675\" style=\"width: 1367px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-16675\" src=\"https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/11\/2149133049-300x200.jpg\" alt=\"Car theft insurance\" width=\"1367\" height=\"911\" title=\"\" srcset=\"https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/11\/2149133049-300x200.jpg 300w, https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/11\/2149133049-768x512.jpg 768w, https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/11\/2149133049.jpg 1000w\" sizes=\"auto, (max-width: 1367px) 100vw, 1367px\" \/><figcaption id=\"caption-attachment-16675\" class=\"wp-caption-text\"><a href=\"https:\/\/www.freepik.com\/free-photo\/close-up-man-trying-break-into-car_19333021.htm#fromView=search&amp;page=1&amp;position=45&amp;uuid=267368fa-3689-48b6-8f61-898981a94155&amp;query=car+theft+shadow\" target=\"_blank\" rel=\"noopener nofollow\"><i><span style=\"font-weight: 400;\">Source<\/span><\/i><\/a><\/figcaption><\/figure>\r\n\r\n<span style=\"font-weight: 400;\">Third-party, fire &amp; theft (TPFT) sits between basic third-party and full comprehensive coverage.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">It offers everything a basic third-party plan does, plus protection for your own car <\/span><b>if it\u2019s stolen or damaged by fire<\/b><span style=\"font-weight: 400;\">.<\/span>\r\n\r\n<b>Covers:<\/b>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Damage to another person\u2019s car or property<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Theft of your car or its parts<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fire damage to your car<\/span><\/li>\r\n<\/ul>\r\n<span style=\"font-weight: 400;\">But note that TPFT still doesn\u2019t cover accident damage to your own vehicle.<\/span>\r\n\r\n<b>Best for:<\/b>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cars that are older but still valuable enough to be insured against theft or fire<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Drivers who frequently park outdoors or in high-risk areas<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Those who want extra protection without paying for full comprehensive coverage<\/span><\/li>\r\n<\/ul>\r\n<h2><b>What is comprehensive car insurance?<\/b><\/h2>\r\n<figure id=\"attachment_15869\" aria-describedby=\"caption-attachment-15869\" style=\"width: 1217px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-15869\" src=\"https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/09\/31-300x200.jpg\" alt=\"Man signing document\" width=\"1217\" height=\"811\" title=\"\" srcset=\"https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/09\/31-300x200.jpg 300w, https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/09\/31-1024x683.jpg 1024w, https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/09\/31-768x512.jpg 768w, https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/09\/31.jpg 1500w\" sizes=\"auto, (max-width: 1217px) 100vw, 1217px\" \/><figcaption id=\"caption-attachment-15869\" class=\"wp-caption-text\"><em><a href=\"https:\/\/www.freepik.com\/free-photo\/waiting-inspiration-thoughtful-closeup-hand-young-man-ho_1202154.htm#fromView=search&amp;page=1&amp;position=2&amp;uuid=9f26c57d-0342-460f-a5ea-0c979d25bf68&amp;query=man+signing+document\" target=\"_blank\" rel=\"noopener nofollow\">Source<\/a><\/em><\/figcaption><\/figure>\r\n\r\n<span style=\"font-weight: 400;\">Comprehensive insurance gives you the <\/span><b>widest coverage <\/b><span style=\"font-weight: 400;\">available. It includes everything from TPFT, plus protection for your own vehicle in the event of an accident - even if you were at fault.<\/span>\r\n\r\n<b>Covers<\/b><span style=\"font-weight: 400;\">:<\/span>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Third-party damage and liability<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidents involving your own car<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Theft, fire, vandalism, or flood<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Windscreen replacement<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal accident coverage for driver and passengers<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Optional add-ons like roadside assistance or a courtesy car<\/span><\/li>\r\n<\/ul>\r\n<b>Best for:<\/b>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New or high-value cars<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cars under loan or finance<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Drivers who want complete peace of mind<\/span><\/li>\r\n<\/ul>\r\n<h2><b>Comparing all three car insurance policies at a glance<\/b><\/h2>\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><b>Feature<\/b><\/td>\r\n<td><b>Third-party<\/b><\/td>\r\n<td><b>Third-party, fire &amp; theft<\/b><\/td>\r\n<td><b>Comprehensive<\/b><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Legally required<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Covers your car (accidents)<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">No<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">No<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Covers theft\/fire<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">No<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Covers other vehicles\/property<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Yes<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Personal accident coverage<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">No<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">No<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Usually included<\/span><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><span style=\"font-weight: 400;\">Premium cost<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Lowest<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Moderate<\/span><\/td>\r\n<td><span style=\"font-weight: 400;\">Highest<\/span><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h2><b>How car insurance premiums are calculated<\/b><\/h2>\r\n<span style=\"font-weight: 400;\">Your premium depends on several factors, including:<\/span>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your age and driving experience<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The car\u2019s model, value, and age<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your driving and claims history<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No-Claim Discount (NCD)<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage type and any add-ons<\/span><\/li>\r\n<\/ul>\r\n<span style=\"font-weight: 400;\">Generally, newer or higher-value cars and less experienced drivers pay more.<\/span>\r\n<h2><b>Which one should you choose?<\/b><\/h2>\r\n<span style=\"font-weight: 400;\">Your choice depends on your car\u2019s <\/span><b>age, value, and usage<\/b><span style=\"font-weight: 400;\">:<\/span>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Older car (low value):<\/b><span style=\"font-weight: 400;\"> Third-party insurance makes sense if repair costs are not worth it.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mid-value car:<\/b><span style=\"font-weight: 400;\"> TPFT is a balanced choice - slightly higher premium, but coverage for fire and theft can save you big.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><b>New or financed car:<\/b><span style=\"font-weight: 400;\"> Comprehensive insurance is usually the best option for full protection and peace of mind.<\/span><\/li>\r\n<\/ul>\r\n<h2><b>Quick tip: check your car\u2019s current value<\/b><\/h2>\r\n<span style=\"font-weight: 400;\">Before deciding, check your car\u2019s market value - it helps you understand whether paying for full coverage is worth it.\u00a0<\/span>\r\n<h2><b>Car insurance coverage that suits you<\/b><\/h2>\r\n<figure id=\"attachment_15868\" aria-describedby=\"caption-attachment-15868\" style=\"width: 1224px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-15868\" src=\"https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/09\/1035-300x200.jpg\" alt=\"Man woman signing document\" width=\"1224\" height=\"816\" title=\"\" srcset=\"https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/09\/1035-300x200.jpg 300w, https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/09\/1035-768x512.jpg 768w, https:\/\/carro.co\/sg\/blog\/wp-content\/uploads\/2025\/09\/1035.jpg 1000w\" sizes=\"auto, (max-width: 1224px) 100vw, 1224px\" \/><figcaption id=\"caption-attachment-15868\" class=\"wp-caption-text\"><em><a href=\"https:\/\/www.freepik.com\/free-photo\/happy-young-asian-couple-realtor-agent_3521656.htm#fromView=search&amp;page=2&amp;position=34&amp;uuid=baf497b4-9c97-4376-86c0-a8f66b6c95e2&amp;query=man+women+signing+document\" target=\"_blank\" rel=\"noopener nofollow\">Source<\/a><\/em><\/figcaption><\/figure>\r\n\r\n<span style=\"font-weight: 400;\">All three types of insurance serve different needs:<\/span>\r\n<ul>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Third-party<\/b><span style=\"font-weight: 400;\"> is the cheapest and most basic.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><b>TPFT<\/b><span style=\"font-weight: 400;\"> adds useful protection for fire and theft.<\/span><\/li>\r\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comprehensive<\/b><span style=\"font-weight: 400;\"> offers complete coverage and convenience.<\/span><\/li>\r\n<\/ul>\r\n<span style=\"font-weight: 400;\">If your car still holds good value or you rely on it daily, comprehensive insurance is often worth the extra cost. But if you\u2019re driving an older car and mainly want legal coverage, third-party or TPFT can be practical alternatives.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">Whichever you choose, make sure it fits your car\u2019s condition, your budget, and your peace of mind. Compare and find the best car insurance that suits your needs in 3 easy steps with Coverro <\/span><a href=\"https:\/\/carro.co\/sg\/en\/insurance\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span>","protected":false},"excerpt":{"rendered":"<p>When it comes to car insurance in Singapore, you have three main choices &#8211; third-party, third-party, fire &amp; theft (TPFT) or comprehensive insurance. All three meet the legal requirement for car insurance, but they offer very different levels of protection. Knowing how they differ can help you choose one that fits your car\u2019s age, value, &hellip;<\/p>\n","protected":false},"author":83,"featured_media":15868,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[724],"tags":[729,728,731,730],"class_list":["post-16671","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance-car-loans","tag-3rd-party-car-insurance","tag-car-insurance-singapore","tag-comprehensive-car-insurance","tag-fire-theft-car-insurance"],"_links":{"self":[{"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/posts\/16671","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/users\/83"}],"replies":[{"embeddable":true,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/comments?post=16671"}],"version-history":[{"count":3,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/posts\/16671\/revisions"}],"predecessor-version":[{"id":16720,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/posts\/16671\/revisions\/16720"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/media\/15868"}],"wp:attachment":[{"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/media?parent=16671"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/categories?post=16671"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/carro.co\/sg\/blog\/wp-json\/wp\/v2\/tags?post=16671"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}