Great Eastern Car Insurance: Who It Benefits

Great Eastern Authorised Workshop Plan
Great Eastern Authorised Workshop Plan

Great Eastern Car Insurance: Who It Benefits

Great Eastern's car insurance plans have high premiums but average coverage.

Good for

  • Price insensitive individuals loyal to Great Eastern
  • Single drivers who prefer workshop flexibility

Bad for

  • Drivers looking for a budget plan
  • Consumers looking for high-value policies
  • Young drivers and families

Editor's Rating

2.5/5.0

Great Eastern's comprehensive car insurance plans are pricey and have one of the most basic benefit packages on the market. It is unlikely the average driver will find much value in their policies.

Summary of Great Eastern Car Insurance

Great Eastern Comprehensive
Below average benefits and above average price
Can upgrade to Any Workshop plan for around S$500 more
Unable to purchase a policy online if under 26 or older than 69
Pricey TPO and TPFT plans

Great Eastern Comprehensive Highlights

Great Eastern's expensive comprehensive plans offer little value to the average consumer, which makes it difficult to recommend to the majority of drivers. There are two comprehensive plan options: Authorised Workshop Plan where you are limited to repairs at Great Eastern's preferred workshops and Any Workshop Plan where you have access to your preferred and car dealer's workshop. The Authorised Workshop plan costs around 20% above average and the Any Workshop plan costs over 50% above the industry average. It provides basic medical coverage, towing, windscreen and personal accident coverage in addition to the legally required third party and fire/theft loss coverage. Your car will be covered for damages from floods, typhoons, natural disasters and civil disturbance (strikes, riots).

This graph compares the cost of car insurance premiums for the average compact sedan in Singapore.

Great Eastern's greatest setback is its price. Even though companies like AXA and Income may end up being more expensive for certain driver profiles (i.e. women), it is still one of the most expensive policies on the market. Additionally it has tight YIDR restrictions making it unsuitable for younger drivers. While most plans define "inexperienced driver" as people with driving experience of 2 years or less, Great Eastern defines it as people with 3 years or less of experience. It further restricts young drivers by not allowing you to purchase their policies online if you are under 26 or are naming an additional driver who is under 26. Lastly, there is no personal accident coverage for passengers, so these policies may not work for families or drivers who have passengers in the car often. If you are looking for a great value plan, you can consider insurers like FWD or if you are looking for a plan that values affordability over coverage you can consider Budget Direct.

Great Eastern TPO/TPFT Plans

Great Eastern offers the basic TPO and TPFT coverage such as third party liability and fire/theft loss coverage. It has one of the most expensive TPO plans on the market—almost 60% above average. Its TPFT plan is also pricey as it costs 30% above its peer average.

Customisations & Other Options

Great Eastern doesn't offer much customisation and options besides an optional NCD protector once you reach a 50% NCD and a loss of use of benefit of S$80 per day for 7 days. If you are looking for a plan that offers a high level of customisation options, you may find plans like Aviva more to your liking.

Additional BenefitsAmountCost
Loss of UseS$80 per dayS$107
50% NCD ProtectorN/AS$105

Great Eastern Claims Information

To submit a motor claim with Great Eastern, you should report all incidents within 24 hours and submit the proper documents along with the relevant claim form (received from your insurance agent or at the authorised motor accident reporting center) by mail or in person.

Contact Information
Car Accident and Emergency Breakdown Assistance65 6535 0511
Customer Service Hotline1 800 248 2888
General Claim Hotline65 6248 2638
Claims InformationClaim forms
Mailing Address1 Pickering Street #01-01, Great Eastern Centre, Singapore 048659

Summary of Coverage

Great Eastern Authorised Workshop Plan
Great Eastern Authorised Workshop Plan

Settling on a great value car insurance plan can be a challenge due to how time consuming it is just to get a quote. Below, we have summarised Great Eastern's core coverage and excesses—if you want to compare it to other car insurance plans, you can check our our guide to the best car insurance policies currently available in Singapore.

FeaturesCoverageExcess
Standard ExcessN/AS$600
3rd Party Liability (Death)UnlimitedN/A
3rd Party Liability (Damage)S$5 MnN/A
Personal Accident (Driver)S$20,000N/A
Medical ExpensesS$300N/A
WindscreenUnlimitedS$100
YIDR Unnamed Driver ExcessN/AS$2,500

Comments and Questions

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