Liberty Insurance Singapore – My Full Guide to Their Motor, Travel, Health & Business Plans
When it comes to trusted, global insurers with a strong local presence, Liberty Insurance Singapore really stands out. Backed by the US-based Liberty Mutual Group, this insurer offers a comprehensive range of products—from car and travel to home, personal accident, health, and commercial insurance.
What I personally like about Liberty is their well-rounded, no-nonsense plans and the fact that they consistently deliver reliable service with a responsive local team. Whether you’re an individual looking for protection or a business owner managing risk, Liberty has built solutions tailored for Singapore’s unique needs.
Here’s my detailed breakdown of all the insurance products offered by Liberty Insurance Singapore.
🚗 1. Motor Insurance – Customised Protection for Private Vehicles
✅ Private Car Insurance
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Comprehensive cover:
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Accidental damage
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Theft and fire
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Third-party bodily injury & property damage
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Add-ons available:
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Loss of use (replacement vehicle)
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Windscreen cover
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No Claim Discount (NCD) Protector
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24-hour roadside assistance
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Why I recommend it: Liberty’s car insurance is flexible and great for drivers who want options and fast, transparent claims service.
✈️ 2. Travel Insurance – Worry-Free Coverage for Trips
✅ Liberty TravelCare (Single Trip & Annual Multi-Trip)
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Covers:
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Medical expenses overseas
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Emergency medical evacuation
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Trip cancellation or curtailment
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Baggage loss, flight delays
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COVID-19 add-on coverage available
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Who it’s for: Frequent travellers and families who want broad, reliable coverage with flexible trip lengths.
🏥 3. Health Insurance – Personal Medical Coverage
✅ Liberty HealthCare (Hospital & Surgical Plan)
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Provides reimbursement for:
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Hospital room & board
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Surgical procedures
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Specialist consultations
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Diagnostic services
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Includes optional rider for major critical illness
Great for: Individuals and families without corporate health coverage who need affordable, personalised medical protection.
🏠 4. Home Insurance – Protecting Your Property & Belongings
✅ HomeCare Insurance
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Covers:
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Household contents
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Renovations
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Fire, theft, water damage
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Alternative accommodation
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Personal liability
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Why it’s solid: One of the most practical and cost-effective home insurance options for HDB, condo, or landed property owners.
🧑⚕️ 5. Personal Accident Insurance
✅ PA Care
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24/7 worldwide protection
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Covers:
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Accidental death and permanent disability
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Medical expenses
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Hospitalisation income benefit
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Add-ons available for:
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Infectious disease cover
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Family plans
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Ideal for: Freelancers, active individuals, and families who want affordable accident cover with easy claims.
🧒 6. Domestic Helper (Maid) Insurance
✅ Liberty MaidCare
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MOM-compliant plans covering:
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Hospitalisation
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Personal accident protection
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Wage compensation
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Repatriation expenses
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Includes Letter of Guarantee to MOM
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Optional waiver of indemnity and theft cover
Why it’s useful: Straightforward, affordable maid insurance with essential protections and employer-friendly options.
🏥 7. Cancer Insurance
✅ Liberty CancerCare
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Lump sum payout upon diagnosis of cancer
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Early and advanced-stage cancers covered
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No hospitalisation required for claim
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Monthly premiums from as low as a few dollars
Who it helps: Anyone looking for a low-cost standalone cancer plan that pays out fast and offers peace of mind.
🏢 8. SME & Commercial Insurance – Business Protection That Works
✅ SME Package Insurance
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Tailored for small and medium enterprises
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Combines:
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Property damage
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Public liability
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Theft and fire
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Business interruption
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✅ Work Injury Compensation Insurance (WICA)
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Covers:
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Medical expenses from work-related injuries
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Loss of earnings
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Permanent disability or death
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MOM-compliant and available for all industries
✅ Other Business Products:
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Marine Cargo Insurance
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Professional Indemnity
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Cyber Insurance
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Contractor’s All Risk Insurance
Why I like it: Liberty’s SME plans are modular and flexible, making them suitable for businesses of all sizes, from cafés and clinics to logistics firms and startups.
🧳 9. Foreign Worker Medical Insurance
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Meets MOM regulations
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Covers:
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Inpatient and day surgery costs
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Emergency medical care
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Group options for employers with large foreign worker bases
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🐶 10. Pet Insurance (Currently Limited)
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Liberty does not currently offer a standard pet insurance policy for the general public but may provide coverage under special commercial arrangements or group benefit programs.
📱 Liberty’s Strengths You’ll Appreciate
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Digital policy management and e-submissions
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Local customer service with fast turnaround times
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Online quote generator for car and travel insurance
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Wide network of partners and healthcare providers
✨ Final Thoughts – Why Liberty Insurance Singapore Is a Solid Choice
What I like most about Liberty Insurance Singapore is their balanced approach—they offer global insurance expertise while still providing localized, personalised support. Their products are easy to understand, flexible, and priced to suit a range of needs—from the solo driver to the SME business owner.
Whether you're looking for comprehensive car insurance, solid travel coverage, or work injury protection for your company, Liberty offers plans that you can trust.
🔗 Official Website: https://www.libertyinsurance.com.sg
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