🚗 Third-Party Only (TPO) – Essential Cover That Keeps You Legal for Less
It is the most affordable way to meet Singapore's legal insurance requirement, covering your liability to other people and their property when an accident is your fault. For older cars and budget-conscious drivers, it is a smart, no-frills way to stay legal without paying for cover you do not need.
What TPO Covers
TPO does one job and does it well: protecting you against claims from others.
- Third-party bodily injury: unlimited cover if you injure someone in an accident
- Third-party property damage: up to $5,000,000 for damage to other people's vehicles or property
- Optional Personal Accident and Medical cover you can add for yourself and your passengers
Who TPO Is For
- Older cars nearing the end of their COE, where insuring the car's own value makes little financial sense
- Lower-value vehicles where a repair payout would be small
- Budget-focused drivers who want legal cover and third-party protection, and nothing more
Good to Know
TPO does not cover damage to your own car.
If your vehicle is damaged in an accident, catches fire, is stolen, or is hit by a natural event, those are not covered at this tier.
If you want protection for your own car too, consider Third-Party, Fire & Theft (adds fire and theft of your own car) or Comprehensive (full cover including accidental damage, natural disasters and windscreen).
