4 Suspicious Items to Watch Out in Cheap Car Insurance Quotes

This article requires an average reading time of 1 minute 20 seconds. 

Yes we all want the best deal in our private motor insurance plan. After all, in Singapore, it is illegal to drive without a valid car insurance.
Why is it that some insurers, especially smaller digital insurers with only online presence, are able to offer seemingly cheaper car insurance quotes?

1.       Coverage for authorized drivers
Imagine your wife driving your car to the market and some other driver bumps into your car. To your greatest horror, you may find that you cannot claim any repair costs at all with the cheaper insurance you bought. This is because some digital insurers have a rule in fine prints (found in the policy wordings) that a household member must be listed as a “named driver” in order to be covered. Most bigger insurance brands, on the other hand, insure the authorized drivers even when they are not named. Having said that, additional excess eg $500 for drivers above 27 years old, may be imposed by some insurers before claims for the authorized drivers. You will be pleased to know that all our partnering car insurance companies on InsuranceGuru provide coverage to your loved ones whom you authorize to drive your car.

2.       Transport allowance
Imagine taking cab to work to and fro because your car is under repairs for 5 days from an accident. This could easily cost $50 per day (due to peak hour charges and wet weather surge in charges), adding up to $250. A cheaper quote usually excludes this benefit.
Coverage for car accessories
Many cars come fitted from the manufacturer with luxuries like Hi-Fi audio system, GPS unit, touch-screen control panel etc. and it is likely for such delicate items to be damaged in event of a car collision. This may not come as music to your ears (pun intended) but some insurers omit coverage for these items to keep their insurance quote pricing low. I cannot imagine a car journey without music and GPS, can you?

4.       Expensive policy features out of your control
Some insurers may allow you to customize ‘inexpensive’ items in the policy, only for them to decide unilaterally on the expensive ones. For instance, excess is the amount payable by drivers before any claims is paid out by insurers. Some insurers only inform drivers what the policy excess is, after the insurance policy is purchased. The drivers’ pocket may hurt a lot before they get a single cent of claims from such insurers. Have a peace of mind to know that at InsuranceGuru, we allow our drivers to see and customize their excess payable and add on other rider coverages as they deem necessary.

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At, we work with the bigger boys and feature only insurance plans that address the above factors adequately for our users. Don’t simply believe what we say, read the insurer’s policy wordings at the ‘compare’ and ‘checkout’ page to be convinced.
Insure yourself, protect others.


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The author of this article, Mr Sean Ong is a Certified Life Coach, a Master Practitioner in Neuro-Linguistic Programming and a Chartered Financial Consultant who has been featured on the local TV and radio, having begun his career in the finance industry since year 2002. In his efforts to contribute to the society, Sean ran 1,000 km over 87 days to successfully raise more than $13,000 for a children charity in year 2012. He also published a book subsequently where sales proceeds were donated to charity. Sean completed his Masters of Science Degree in Technopreneurship & Innovation in year 2020 and was honoured in the Director’s List for academic excellence. He has keen interests in InsurTech projects and mental wellness initiatives for the youths. Above all, Sean counts knowing Jesus Christ as the most significant event of his life. He can be contacted at


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