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2025年最新新加坡购买车险指南 Singapore Motor Insurance Guide

在新加坡，持有一份有效的车险是合法上路的前提。根据法律规定，所有车辆必须在交路税期间同时也持有一份有效且覆盖路税期间的车险保障。

市场上的车险种类繁多，那么该如何选择适合自己的车险呢？别担心，这篇文章将为您详细解读常见的车险类型以及挑选时需要注意的事项。

哪些是最好的车险？

根据您的预算、需求以及车辆类型（包括电动车），以下是一些推荐的汽车保险计划：

按预算推荐：

2025年最新新加坡购买车险指南 Singapore Motor Insurance Guide — Engage

2025年最新新加坡购买车险指南 Singapore Motor Insurance Guide — Engage

新加坡有哪些常见的车险类型？

在新加坡，车险分为以下三种类型：

1. 第三方责任险（TPO）

这是最基本的汽车保险类型，主要保障因您的责任造成的第三方损失（例如受伤行人、损坏的护栏）。TPO不涵盖您自身的车辆或人身损失，因此它适合即将报废的旧车车主。

2. 第三方、火灾及盗窃险（TPFT）

除了TPO的第三方责任保障外，TPFT还涵盖因火灾或盗窃造成的损失。不过，这种保险不包括因自身驾驶失误而导致的车辆损坏。它通常适合较老的车辆。

3. 综合险（Comprehensive）

综合险是最全面的保险类型，除了TPFT的保障外，还包括因意外导致的车辆损坏维修费用。部分计划还提供以下附加服务：

  • 主驾驶及乘客的个人意外保障
  • 备用车辆服务
  • 挡风玻璃更换
  • 24小时道路救援

购买车险时需要注意哪些主要因素？

  1. 自付额（Excess）
    自付额是发生索赔时您需要自行承担的费用。例如，如果您的自付额为1,000新元，而维修费用为3,000新元，您需要支付1,000新元，其余2,000新元由保险公司承担。
    一般来说，自付额越高，保费越低。
  2. 指定维修厂
    大多数保险公司要求在其授权维修厂维修车辆，这些维修厂价格透明且维修质量可靠。如果您希望自由选择维修厂，通常需要支付更高的保费。

需要考虑的次要因素

除了主要因素外，以下细节也很重要：

  1. 道路救援服务
    是否需要24/7的道路救援？对于新手司机或不熟悉车辆维护的车主，这是一个实用的功能。
  2. 海外保障
    如果您经常前往马来西亚或泰国南部，确保您的保险计划覆盖这些区域。
  3. 命名驾驶员
    如果其他人也会驾驶您的车辆，可以添加“命名驾驶员”以确保他们也受到保障。注意：添加年轻或缺乏经验的驾驶员可能会增加保费。

保费如何计算？

保险公司使用“风险评估系统”来计算保费，主要考虑以下因素：

  • 驾驶员的个人资料（年龄、驾龄、驾驶记录等）
  • 车辆资料（型号、用途等）
  • 理赔历史

通常，风险越高，保费越高。例如，如果您近期有责任事故记录，保费可能会上涨。

如何申请车险？

通过Katrina购买汽车保险十分简单，仅需三步：

  1. 联系Katrina：通过WhatsApp或微信添加发送您的需求。
  2. 获取报价：我会为您对比多家保险公司的报价，并提供详细建议。
  3. 完成购买：选择适合您的保险计划，并通过线上渠道完成购买。

总结

车险不仅是法律要求，更是保障您和他人安全的重要手段。无论是应对意外事故，还是保护车辆损失，拥有一份合适的车险计划可以让您驾驶更安心。如果您需要更多帮助，请随时联系Katrina，我将为您提供全面支持。

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Katrina Cao Shaoxin曹少辛

长期居住在新加坡的宝妈一枚，是一名专业的独立财务顾问，就职于新加坡最大的独立财务公司，鑫盟理财（Financial Alliance)，代理17家人寿保险，33家财险，11家投资平台，70多个基金公司合作，始终站在客户立场，为客户规划最优方案。

专注于做外国人及新移民在新加坡的资产及保险配置，以及企业特别是出海的初创企业在新加坡的财险以及员工福利配置。

崇尚素质教育，更热衷于IB体系，孩子的教育归根于玩中学，并在玩中触发孩子对学习的热爱并自觉探索。希望有相同理念的家长可以共同讨论孩子教育。

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
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  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
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  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

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  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • 我已阅读并理解了上述免责声明，特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策