Motor Insurance for Singapore Buses
Motor Insurance for Buses
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Bus Insurance Quotes Singapore

Buses in Singapore are commercial vehicles which have to be covered by commercial vehicle motor insurance.

There are public service transport buses and there are private transport buses.

Insurance for Private Transport Buses in Singapore

There are 4 types of private transport buses in Singapore:

Each type of bus has its restrictions of use. Details about the use of each type of bus can be found at the LTA website.

Private Bus vs Private Transport Buses

Private buses usually refer to company buses.

Private buses are meant to transport employees of the business or people linked to the business, at no profit.

Of the 4 types of private transport buses, the private bus is the only one that is not for hire and reward purposes.

According to details found on LTA’s website, these buses cannot be used for chartered services.

The excursion bus is the only bus type that can be used for transporting tourists. Excursion buses can only be registered by transport companies and tour operators.

School buses, private hire buses and private buses cannot be used for transporting tourists.

The insured vehicle usage for a bus typically will not include the types of vehicle usage which the bus is not registered for.

For example, should a school bus be used for transporting tourists, the bus owner / driver has most likely gone beyond the Limitations as to Use stated in the school bus’s Certificate of Insurance.

In the event of an accident during such tourist transport activity, the insurer is not liable for any injury or damage claims as the terms of the policy has not been observed.

At elloAuto, we connect you to licensed representatives who can help you get bus insurance quotes from multiple insurers in Singapore.

With this service, you don’t have to search for bus insurance quotes on your own and the process of getting your bus insured will also be simplified for you as much as possible.

For bus fleet insurance quotes, make a request for fleet insurance quote here or email to with the bus fleet details and someone will contact you soon.

Types of Insurance for Buses in Singapore

Similar to private vehicle insurance, commercial vehicle insurance for buses insurance is commonly available in 3 types of coverage.

Not specific to motor insurance plans from any insurer, the scope of coverage is generally as follows:

Comprehensive Cover
Third Party liability coverage + Fire and Theft coverage + Own Damage coverage

Third Party, Fire and Theft Cover
Third Party liability coverage + Fire and Theft coverage

Third Party Cover
Third Party liability coverage only

Exact coverage definitions and details will differ from insurer to insurer and is subject to its policy terms, conditions and exclusions.

Out of the 3 types of coverage, the Comprehensive Cover has the most comprehensive benefits insurance protection.

The Third Party Cover has the lowest premium rates because the scope of insurance protection and benefits is also the least out of the 3.

Tour bus operators, especially those with buses that frequently travel to Malaysia, commonly fear about getting into accidents with foreign vehicles because it is very difficult to make successful third party claims against foreign insurers.

Whether such accidents take place in Malaysia or Singapore, these claims can take several years to settle, if they actually get settled.

Oftentimes policyholders end up claiming Own Damage coverage if they have Comprehensive Cover, even if this means affecting No Claim Discounts (NCD) and subsequent premiums.

Policyholders with Third Party, Fire and Theft Cover or Third Party Only Cover will not be able to claim under Own Damage coverage as these policies do not have provision for Own Damage coverage.

Bus Insurance Contact Form
For any enquiries, fill up this form or email to and someone will get back to you soon.
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