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Tour Bus Insurance Singapore
Private service transport buses in Singapore
Including the tour bus aka excursion bus, there are 4 different types of private service transport buses in Singapore:
- Private Bus (Company Bus)
- Private Hire Bus (Commercial Bus)
- Excursion Bus (Tour Bus)
- School bus
More details about the designated use of each type of bus can be found at the LTA website.
Excursion buses, also known as tour buses, are operated by transport companies and tour operators and they are the only bus type that can be used to transport tourists.
Company buses, private hire buses and school buses cannot be used to transport tourists.
Examples of such excursion buses include 15 seater mini tour buses like Toyota HiAce Commuter, full sized travel buses like Volvo B7R, open top double decker tour buses and many other buses.
Excursion buses can operate within Singapore and also travel from Singapore to Malaysia.
Like any other commercial vehicles, excursion buses registered in Singapore require commercial vehicle insurance cover in order to travel on public roads.
At elloAuto, we connect you to licensed representatives who can advise you on motor insurance for tour buses and get quotes from multiple insurers in Singapore.
With this service, you don’t have to search for tour bus insurance quotes on your own and the process of getting insured will also be simplified as much as possible.
To get insurance quotes for a fleet of tour buses, make your fleet insurance quote request here or email to firstname.lastname@example.org with the bus fleet details and someone will get back to you soon.
Types of Insurance for Tour Buses in Singapore
Commercial vehicle insurance for tour buses 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:
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.
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.
Commercial Vehicle Insurance Companies
elloAuto connects you to friendly and professional representatives who can advise you on tour bus insurance across multiple motor insurers in Singapore.
AIG Asia Pacific Insurance Pte Ltd
Allied World Assurance Company Ltd
AXA Insurance Singapore Pte Ltd
China Taiping Insurance (Singapore) Pte Ltd
ERGO Insurance Pte Ltd
First Capital Insurance Ltd
India International Insurance Pte Ltd
Liberty Insurance Pte Ltd
MSIG Insurance (Singapore) Pte Ltd
NTUC Income Insurance Co-operative Ltd
SOMPO Insurance Singapore Pte Ltd
Tokio Marine Insurance Singapore Ltd