Third-Party Only (TPO) Coverage
Basic protection to get you on the road
Our Third-Party Only (TPO) insurance coverage plan meets the minimum legal requirement to drive under Singapore law. This plan is popular among budget-conscious drivers, but doesn’t offer full coverage.
Our Third-Party Only insurance plan is more affordable than our other levels of coverage, but it also offers the least protection. This plan only pays when you've damaged another person's car. You will be responsible for any repairs to your own vehicle or any medical bills incurred in the likelihood of a car accident that is ruled to be your fault. Many things are not covered unlike our Comprehensive plan. For example, you will not be insured against fire and theft. Nor will you be insured against car damage due to natural disasters like floods and fallen trees that occur with some frequency in Singapore. You will also not have access to the full suite of add-on optional benefits compared to our other coverage plans.
When do we recommend a Third-Party Only plan:
Our Third-Party Only plan offers basic protection. Therefore it is recommended to drivers of cars at the end of their COE life as well as those who are experienced and familiar with the roads of Singapore. A TPO insurance might also be an option to consider if you rarely use your car, or if you only use your car for safe and short trips with minimal risks of car accidents.
For more information about our Third-Party Only car insurance plans, contact us at +65 6665 5555 or drop us a line through our online form with your queries, or to get a quote on any one of our insurance plans. Our customer service team will endeavour to get back to you within 1-2 days. You can also take a look at our FAQs page for popular questions that have been asked by other insurance buyers.
Cover & Optional Benefits in More Detail
|Core Benefits||Cover Limits|
|Own Damage - All Accidents||Not covered|
|Third Party Bodily Injury||Unlimited|
|Third Party Property Damage||Up to S$5,000,000|
|Own Damage - Fire||Not Covered|
|Own Damage - Theft||Not Covered|
|Own Damage - Natural Disaster/Act of God||Not Covered|
|Windscreen/Window Breakage||Not Covered|
|Accident Towing||Not Covered|
|Deductible of Own Damage||Not applicable|
|Optional Benefits (For drivers and passengers)|
|Personal Accident for Driver||Up to S$500,000|
|Medical Expenses for Driver and Passengers||Up to S$3,000/per person|
|No Claim Discount (NCD) Protection||One claim per policy per year|
|My Workshop/My Authorised Distributor Workshop||Not available|
|24 Hour Breakdown Assistance||Not available|
|Loss of Use||Not available|
|Repatriation Costs||Not available|
|New for Old Replacement||Not available|
|My Accessories||Not available|
Frequently Asked Questions about our Third-Party Only Coverage
Will my Third-Party Only insurance be automatically renewed?
You have the option of choosing for your insurance plan to be automatically renewed. We will deduct it from your credit card when a new plan cycle is about to start. If automatic renewal is not chosen, we will send you a renewal notification. While we don’t allow change of plan in the middle of a policy term, a change can be made when the time for renewal comes.
What is the meaning of a Third-Party Only car insurance?
A Third-Party Only car insurance is a type of insurance we provide at DirectAsia. This insurance covers the minimum requirements needed to legally drive in Singapore. Not as much coverage is provide as compared to our other insurance plans, but this is the most economic option. Those hoping to save on budget can also take a look at our Latest Promotions page.
What happens if I get in a car accident outside Singapore?
If you find yourself in a car accident in Singapore, West Malaysia or Southern Thailand, call our overseas/emergency hotline at +65 6603 3699 and we will be able to help arrange towing to the nearest car repair workshop. However, we will not reimburse the amount paid to the towing provider as this is not covered by our Third-Party Only policy.