Buying insurance in Singapore usually means either calling an agent who sells one company's plans, or opening six browser tabs and re-typing the same details into each insurer's site. KakiList's Insurance section takes the second route and removes the re-typing: the six cards above open free quote-comparison tools for car, travel, maid, home, pet and personal accident cover, run by Shenton Brokers, a MAS-registered insurance broker. You answer one short set of questions per product and get premiums from several insurers ranked side by side, then complete the purchase with the insurer you pick.
These six lines are the ones where comparing really pays. Cover is largely standardised, so the main differences between insurers are price, excess and a handful of optional add-ons. For car insurance, the same driver and vehicle can be quoted anywhere from S$1,000 to S$2,500 a year depending on the insurer's appetite for your age, no-claim discount and car model. A two-year maid insurance package with the MOM-required S$60,000 medical cover runs S$250–S$450. Home contents cover starts around S$80–S$150 a year, pet plans S$300–S$900, and travel insurance S$20–S$60 for a one-week trip in Asia.
A few things to check before you buy any of them. Car: confirm whether the quote is for comprehensive, third-party fire and theft, or third-party only, and what the excess is for a named young or elderly driver. Maid: make sure the policy meets the current MOM minimums for medical and personal accident cover, and that the S$5,000 security bond is included if you need it. Home: HDB owners already have the mandatory fire insurance via their mortgage, so what you are comparing is contents and renovation cover. Travel: look at medical limits and whether pre-existing conditions are covered, not just the headline premium.
Each tool opens in a new tab on shentonbrokers.com. KakiList does not take a referral fee on quotes, and no personal details are shared with KakiList — you deal with the broker and the insurer directly.
A tied agent represents one insurer and can only sell that company's plans. A financial adviser representative works for a MAS-licensed advisory firm and can usually compare several insurers, but may still be paid by commission. An insurance broker is registered with MAS to act for you rather than the insurer, and mostly handles general insurance such as motor, home, maid and commercial cover. Check any adviser or agent on the MAS Register of Representatives before buying.
For commodity cover — car, travel, maid, home, pet and personal accident — comparing quotes online usually gets you the same policy at the same or a lower premium, because the insurer saves on distribution. For life, critical illness and expat health plans, the premium is normally the same whichever channel you use, so the value of an adviser or broker is in matching the cover to your situation and handling claims, not in price.
Each card opens Shenton Brokers' quote tool in a new tab. You answer a short set of questions for that product, see premiums from several insurers ranked side by side, and pick one. Shenton Brokers is the broker of record, so the policy is bound with the insurer you choose and your documents appear in the insurer's or broker's portal. KakiList does not see your details and takes no referral fee.