• About Us
    • Fact Checking Policy
    • Ownership & funding information
    • Volunteer
  • Subscribe
  • Letter submission
    • Submissions Policy
  • Contact Us
The Online Citizen Asia
  • Opinion
    • Editorial
    • Commentaries
    • Letters
    • Comments
  • Current Affairs
    • Singapore
    • Malaysia
    • Indonesia
    • China
    • ASEAN
    • Asia
    • International
  • Finance
    • Economics
    • Labour
    • Property
    • Business
  • Community
    • Arts & Culture
    • Consumer Watch
    • NGO
    • Lifestyle
    • Travel
  • Politics
    • Civil Society
    • Parliament
    • Transport
    • Education
    • Environment
    • Health
    • Housing
  • Law & Order
    • Legislation
    • Court Cases
No Result
View All Result
  • Opinion
    • Editorial
    • Commentaries
    • Letters
    • Comments
  • Current Affairs
    • Singapore
    • Malaysia
    • Indonesia
    • China
    • ASEAN
    • Asia
    • International
  • Finance
    • Economics
    • Labour
    • Property
    • Business
  • Community
    • Arts & Culture
    • Consumer Watch
    • NGO
    • Lifestyle
    • Travel
  • Politics
    • Civil Society
    • Parliament
    • Transport
    • Education
    • Environment
    • Health
    • Housing
  • Law & Order
    • Legislation
    • Court Cases
No Result
View All Result
The Online Citizen Asia
No Result
View All Result

What happens if you're caught driving without car insurance in Singapore?

by onlinecitizen
11/05/2017
in Finance
Reading Time: 3 mins read
0

by ValuePenguin
Car insurance can get very expensive in Singapore, especially if you’ve gotten in any accidents in the recent past or have any driving offenses on your record. Even for someone with a clean driving record, the average cost of car insurance can range from about S$700 to over S$3,000. But attempting to drive without car insurance is very risky and could end up costing you thousands of dollars, your driving license and even jail time. Here’s a list of the kinds of things you should keep in mind if you’ve ever considered driving without a valid car insurance policy.

Legal Consequences

The Singapore Motor Vehicles (Third-Party Risks and Compensation) Act stipulates that someone found driving a motor vehicle in Singapore without insurance coverage will be guilty of an offense and liable upon conviction to a fine of up to S$1,000, imprisonment for up to 3 months, or both. If you’re convicted of this offense, you’ll also be disqualified from holding or obtaining a driving license for 12 months past the date of your conviction.
By actively choosing to contravene the law, therefore, you could find yourself paying a much higher price than the couple of thousand dollars you might spend on a car insurance premium.
There are several exceptions to this law. You will not be found guilty of this offense if:

  • If the car in question does not belong to you or is in your possession under a contract of hiring or a loan
  • If you’re using the car in the course of your work
  • If you genuinely did not realize, nor have any reason to believe, that a valid insurance policy was not in effect
What if you get in a car accident?

In addition to the legal implications and consequences you might face by driving without a car insurance policy, you also do so at great risk to yourself and your financial well-being. If you get into a car accident while driving uninsured, you won’t just have to bear the significant expense of repairing or replacing your car, any broken personal possessions and any medical expenses yourself. You could also find yourself facing a lawsuit from the third party and having to pay for any losses, damages and medical expenses for the third party as well. Ultimately, this could cost you many thousands of dollars that would otherwise have been paid for by your insurer.

Consequences for Fronting

Some people with a less-than-stellar driving record might be tempted to avoid paying the full cost of the higher premium that goes along with being classified as a “high-risk driver” by engaging in a practice known as “fronting.” Fronting is when you attempt to get a cheaper rate on your car insurance by using the details of a different, presumably better, driving profile. In short, it’s a form of fraud. If you attempt this strategy to avoid paying higher car insurance premiums, you could find your claims repudiated and your policies cancelled entirely, especially if you get in an accident.

Final Thoughts

At the end of the day, while nobody enjoys paying for car insurance, attempting to avoid it by breaking the law is likely to cost you much more than your premium would, in both time and money. There are ways, however, to make sure you’re not paying any more than you need to on your premium. If you’re interested in learning more about how to get the best bang for your buck when shopping for car insurance, consider reading our guides on how to choose a car insurance plan and the top ways you can save on your car insurance.
This article was first published at ValuePenguin. 

For just US$7.50 a month, sign up as a subscriber on The Online Citizen Asia (and enjoy ads-free experience on our site) to support our mission to transform TOC into an alternative mainstream press.

Related Posts

Pritam Singh’s speech on HDB affordability and accessibility
Politics

Pritam Singh’s speech on HDB affordability and accessibility

08/02/2023
Taiwan 34th Lantern Festival celebration signifies return to pre-pandemic normalcy
Arts & Culture

Taiwan 34th Lantern Festival celebration signifies return to pre-pandemic normalcy

08/02/2023
Six dead and eight injured in accident at Genting Highlands
Malaysia

Six dead and eight injured in accident at Genting Highlands

08/02/2023
Labour

Close to 70% of working Singaporeans above age of 65 earns less than S$2,500 a month

08/02/2023
Minister K Shanmugam appears to lack understanding of case where judge found bodycam footage debunked police officers’ sworn affidavits
Politics

Police investigations into conduct of WP’s Pritam Singh and Faisal Manap still ongoing: K Shanmugam

08/02/2023
Malaysia’s seven-time Asean Para Games champion seen selling tissues at Bukit Bintang
Malaysia

Malaysia’s seven-time Asean Para Games champion seen selling tissues at Bukit Bintang

08/02/2023
Subscribe
Connect withD
Login
I allow to create an account
When you login first time using a Social Login button, we collect your account public profile information shared by Social Login provider, based on your privacy settings. We also get your email address to automatically create an account for you in our website. Once your account is created, you'll be logged-in to this account.
DisagreeAgree
Notify of
Connect withD
I allow to create an account
When you login first time using a Social Login button, we collect your account public profile information shared by Social Login provider, based on your privacy settings. We also get your email address to automatically create an account for you in our website. Once your account is created, you'll be logged-in to this account.
DisagreeAgree
0 Comments
Inline Feedbacks
View all comments

Latest posts

Pritam Singh’s speech on HDB affordability and accessibility

Pritam Singh’s speech on HDB affordability and accessibility

08/02/2023
Taiwan 34th Lantern Festival celebration signifies return to pre-pandemic normalcy

Taiwan 34th Lantern Festival celebration signifies return to pre-pandemic normalcy

08/02/2023
Six dead and eight injured in accident at Genting Highlands

Six dead and eight injured in accident at Genting Highlands

08/02/2023

Close to 70% of working Singaporeans above age of 65 earns less than S$2,500 a month

08/02/2023
Minister K Shanmugam appears to lack understanding of case where judge found bodycam footage debunked police officers’ sworn affidavits

Police investigations into conduct of WP’s Pritam Singh and Faisal Manap still ongoing: K Shanmugam

08/02/2023
Malaysia’s seven-time Asean Para Games champion seen selling tissues at Bukit Bintang

Malaysia’s seven-time Asean Para Games champion seen selling tissues at Bukit Bintang

08/02/2023
53-year-old Singaporean worker dies after glass doors topple on him, fourth workplace fatality in 2023

53-year-old Singaporean worker dies after glass doors topple on him, fourth workplace fatality in 2023

08/02/2023
Gerald Giam: Providing affordable homes for all Singaporean families

Gerald Giam: Providing affordable homes for all Singaporean families

08/02/2023

Trending posts

Cognizant India transfers staff to work in Singapore as recently as this year

Local IT grads can’t find jobs while engineers constantly transferred from India to work in SG under CECA

by Correspondent
05/02/2023
113

...

No response from Josephine Teo on whether Mediacorp has been instructed to stop coverage of SMT circulation scandal

No response from Josephine Teo over alleged blackout of coverage by Mediacorp over SMT circulation scandal

by Terry Xu
06/02/2023
13

...

Adani’s brother runs SG company and registers as director with local ID

Adani’s brother runs SG company and registers as director with local ID

by Correspondent
03/02/2023
26

...

They have done a fine job of confusing us about the jobs situation

They have done a fine job of confusing us about the jobs situation

by Augustine Low
01/02/2023
48

...

Japanese-Canadian junior high school girl breaks national record with 3km in 9:02 mins

“I want my normal life back,” Sherry Drury withdraws from National Junior High School Tournament due to overheated public attention

by Yee Loon
06/02/2023
4

...

19-year-old delivery rider in China covers 5km in 22 minutes to deliver antivenom to woman who had bitten by snake

19-year-old delivery rider in China covers 5km in 22 minutes to deliver antivenom to woman who had bitten by snake

by Yee Loon
06/02/2023
5

...

May 2017
M T W T F S S
1234567
891011121314
15161718192021
22232425262728
293031  
« Apr   Jun »

The Online Citizen is a regional online publication based in Taiwan and formerly Singapore’s longest-running independent online media platform.

Navigation

  • Editorial
  • Commentaries
  • Opinion
  • Politics
  • Community

Support

  • Contact Us
  • Letter submission
  • Membership subscription

Follow Us

  • Facebook
  • Twitter
  • YouTube
  • Instagram
  • Fact Checking Policy
  • Privacy Policy

© 2022 - 2023 The Online Citizen Asia

No Result
View All Result
  • Opinion
    • Editorial
    • Commentaries
    • Comments
  • Current Affairs
    • Malaysia
    • Indonesia
    • China
    • ASEAN
    • Asia
    • International
  • Finance
    • Economics
    • Labour
    • Property
    • Business
  • Community
    • Civil Society
    • Arts & Culture
    • Consumer Watch
    • NGO
  • Politics
    • Parliament
    • Transport
    • Education
    • Environment
    • Health
    • Housing
  • Law & Order
    • Legislation
    • Court Cases
  • Lifestyle
    • Travel
  • Subscribers login

© 2022 - 2023 The Online Citizen Asia

wpDiscuz