Covered: Usage Based NTUC Car Insurance for Singapore

Get More out of Driving with Covered


Start with a low $150 upfront fee
and then pay for your usage

Zero Excess

Drive without worry with our zero excess. (Only for Third Party and Own Damage when repairing at an Income approved workshop).

24/7 Assistance

Our 24/7 assistance hotline
provided by Carro is available to
you in any emergency.

Additional Drivers

Add up to 2 additional drivers to
your policy so your loved ones
can drive too

Pay Less When You Drive Less

Don’t Drive Often Or Only Travel Short Distances? With Usage-Based Pricing, You Pay-As-You-Go!

If you drive 9,000km/yr

Save 48%

If you drive 12,000km/yr

Save 33%

If you drive 15,000km/yr

Save 18%
Comparison is based on the driver profile of a 28 male with 10%No-Claim Discount (NCD), 10 years driving experience, and a 2021 Mazda 3 1600cc with the Drivo Classic and Maintenance Prime plan compared to conventional annual insurance plans. Percentages shown have been rounded up.

Insurance underwritten by Income

Distributed by Carro Care

Important Note

Covered comprises of the pay per km motor insurance policy distributed by Carro Care Pte Ltd (UEN: 201812210E) ("Carro Care"). The pay per km motor insurance policy is underwritten by Income Insurance Limited (UEN: 202135698W) ("Income") and the precise terms, conditions and exclusions of the motor insurance policy are specified in the Policy Condition.

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC web-sites ( or or ).

Information is correct as of 01 Oct 2023