Commercial Bus Insurance Singapore
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How it works

Commercial Bus Insurance Singapore

Private service transport buses in Singapore are classified into 4 different types:

More details about the designated use of each type of bus can be found at the LTA website.

Commercial Buses aka Private Hire Buses

Private hire buses, also known as commercial buses, can be used for private charter services.

They can also used to transport adult workers between their home and work and school children between their home and school.

Private hire buses however, cannot be used to transport tourists in Singapore.

According to the LTA website, only excursion buses, operated by transport companies and tour operators, can be used to transport tourists.

It is important to note that insurers is not likely to insure a private hire bus for vehicle uses that it is not designated for.

As mentioned, a private hire bus is not supposed to transport tourists.

If a bus driver abuses a private hire bus to make extra income by transporting tourists, the driver most likely has not used the bus within the Limitations as to Use stated in the Certificate of Insurance.

Should an accident happen while transporting tourists, the insurer is not liable for any injury or damage claims because the terms of the policy has not been observed.

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

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

For advice on insurance quotes for a fleet of commercial buses, make your fleet insurance quote request here or email to enquiry@elloauto.com with the bus fleet details and someone will get back to you soon.

Types of Insurance for Commercial Buses in Singapore

Commercial vehicle insurance for private buses is typically 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.

Not specific to motor insurance plans from any insurer, this is what each type of coverage might cover:

  • Third Party liability coverage – Expenses which insured party is legally liable to pay for death or injury to third party and / or damage to third party property.
  • Fire and Theft coverage – Accidental loss or damage caused by theft or fire, up to market value at time of loss / damage.
  • Own Damage coverage – Accidental loss or damage by other insured causes.

For exact coverage definitions specific to your motor insurance, do refer to its policy wordings for accurate reference.

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