Commercial Vehicle Insurance

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Business > Commercial Vehicle Insurance

Commercial Vehicle Insurance

Get protection for your business vehicles


Choose your preferred coverage
Protect your commercial vehicle(s) with our range of insurance solutions from comprehensive cover to third party liabilities.
No workshop restriction
You can send your vehicle(s) to your preferred workshop at no additional costs.
Fast and Efficient Claims Processing
Etiqa’s award winning claims team ensure your claims get processed quickly.
Towing Service
Up to S$200 of towing service following an accident.

Different coverage to suit your specific business needs:

ComprehensiveThird Party, Fire and TheftThird Party Only
Loss or damage to vehiclea) accidental loss or damage by fire
b) loss or damage by theft
c) accidental loss or damage by other insured causes
d) accidental loss or damage to accessories and spare parts (*by fire and/or theft only)
Towing Servicesa) towing to repairers or place of safety following accident
Third Party's Liabilitya) death or bodily injury to other people
b) loss or damage to property of other people
c) legal costs and expenses
Windscreen CoverCover for windscreen repair & replacement (excess of $100 applies for replacement)

Types of vehicles covered by Commercial Vehicle Insurance






Why Choose Us?


Trusted and Experienced Commercial Insurance Provider


Award-winning Claims Team


Pioneer Digital Insurer of SME Business Pack


Rated ‘A‘ (Strong) by credit ratings agency Fitch

Download & Forms

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the GIA/LIA or SDIC web-sites ( or or

This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.

The information contained on this product advertisement is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.

Information is accurate as at 2 October 2019.


Section A – Commercial Vehicle Insurance

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We offer insurance for vehicles used for commercial purposes that is registered under a company, covering vehicle types like Lorry, Station Wagon, Pickup, Vans and Refrigerated Vehicle. Excluding vehicles that are used for hire, such as Grab or Uber used cars.

The easiest way to get covered for Commercial Vehicle Insurance from Etiqa is from online.
You could also call us on +65 6887 8777 or walk-in to our Customer Care office at
16 Raffles Quay, Hong Leong Building, #01-04A, Singapore 048581.


Section B – Plans and Coverage

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These three types provide different coverage level:

  • Comprehensive covers for your legal liability to third party’s bodily injury and property damage, as well as loss or damage to your own vehicle.
  • Third Party Fire and Theft covers for your legal liability to third party’s bodily injury and property damage, as well as loss or damage to your own vehicle due to fire or theft only.
  • Third Party covers for your legal liability to third party’s bodily injury and property damage only.

Excess means that in respect in respect of each and every financial damage event, you shall be responsible for the first amount stated under “Excess” in the Schedule of the Policy. For instance, if the damage to your windscreen costs $1,000 to replace and your excess states $100 for windscreen replacement, you will be responsible for the first $100.

In the event of an occurrence to the insured vehicle resulting in a valid claim, drivers aged under 27 and/or who has held a full driving licence for less than 2 years, or who is above the age of 75, an additional excess of S$4,000 (Section I only) will be imposed on top of the policy excess.

Yes, you may get your vehicle repaired at your preferred dealer workshop at no additional charge or premium cover.


Section C – No claims Discount (NCD)

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No-Claim Discount (NCD) is an entitlement given to you if no claim has been made under your policy for a year or more with your current or existing insurer. NCD starts from 0% with the maximum at 20%, with five years of no claim history.

You can verify your NCD with your previous car insurance company. Alternatively, if you would like to buy a policy immediately, you can select your NCD as 0% and if you are entitled to any NCD, we will refund you with the difference in premium.

Yes, your NCD will be penalised.