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- The count: 61 MAS-licensed direct insurers writing general business in Singapore (31 locally incorporated companies and 30 foreign branches, of which 12 are marine P&I clubs), plus 7 third-party administrators and 9 loss adjusting firms. 77 organisations in total.
- The source: the Monetary Authority of Singapore's Financial Institutions Directory, categories Direct Insurer (General) and Direct Insurer (Composite), pulled on 14 September 2026, cross-checked against the General Insurance Association member directory.
- What stands out on claims: motor is the largest line at S$1.28 billion, and a motor claim still starts with the car at an approved reporting centre or authorised workshop within 24 hours. Apps and portals exist at a handful of insurers; most channels are a hotline, a workshop and an email address.
This is a reference list of the insurance companies licensed to write general business in Singapore, with the third-party administrators and loss adjusters that handle claims alongside them. It comes from the regulator's own register, not from a directory site, and it names every entry, including the ones that will never take a retail claim: reinsurers with a direct licence, trade credit branches, a sovereign catastrophe pool and a run-off company.
It is here for claims and operations people who want to know who else is in their market and how those companies take a claim, for brokers and TPAs checking a counterparty's licence, and for vendor teams building a Singapore target list.
We compiled it because we sell into this market ourselves. Venta Capture, a product of VentaVid, is a guided photo and video capture tool used by claims teams, and a list like this is the first thing our own team builds before it picks up the phone.
How this list was built
- Register: the MAS Financial Institutions Directory, categories Direct Insurer (General) (52 entries) and Direct Insurer (Composite) (9 entries), fetched 14 September 2026. All 61 entries are in the table. Nothing was dropped.
- Cross-check: the GIA member directory (41 members on the fetch date). Member status is noted per company in our working file; it is not a licence.
- Included, and labelled as such: composite licensees (life and general under one licence, such as AIA, Income, Singlife and Great Eastern General), a reinsurer with a direct general licence (Singapore Reinsurance Corporation), trade credit branches (Atradius, Coface, Euler Hermes), a sovereign catastrophe facility (SEADRIF) and 12 marine protection and indemnity clubs. They hold the licence, so they are on the list; they are not places to file a motor or home claim.
- Listed separately: Reardon Pte. Ltd., which the register shows as run-off and not permitted to write new business.
- Not pulled: pure life insurers (Direct Insurer (Life)), pure reinsurers, captives, and Lloyd's Asia, which MAS lists under its own scheme rather than as a direct general insurer.
- Loss adjusters and TPAs: neither has an MAS licence. The nine adjusting firms were confirmed from their own websites or company registrations (three unconfirmed names were left out); the seven TPAs are health and employee benefits administrators under Ministry of Health guidelines.
Licensed and not listed, or listed wrongly? Mail support@ventavid.com and we correct it.
Try it on your own phone
Want to see what a guided capture looks like?
Request a capture link and we email you one. Open it on your phone, follow the steps, and see exactly what your customer or field team would see. No app, no account.
The market in numbers
GIA publishes market totals once a year; company-level premium is not published, so the tables carry no size column.
- S$6.09 billion in domestic gross written premium in 2025, up 8.4% on 2024, according to the GIA 2025 results released on 25 March 2026. Domestic and offshore business together came to S$11.2 billion.
- Motor is the largest line at S$1.28 billion, up 5.2%, per the same release. Health follows at S$1.24 billion, property at S$864.1 million, travel at S$336.7 million.
- Motor claims grew 11% in 2025 while accident frequency stayed stable, which GIA reads as rising severity; the motor segment closed the year with an underwriting loss of S$6.9 million.
- Property claims rose 60.5% in the same year, against premium growth of 4.1%, per GIA.
- Third-party motor insurance is compulsory. The Motor Vehicles (Third-Party Risks and Compensation) Act 1960 makes it an offence to use a motor vehicle without a policy covering third-party death and bodily injury.
- Every accident must be reported within 24 hours or by the next working day, with the vehicle present, at an approved reporting centre or authorised workshop, under the industry-wide Motor Claims Framework run by GIA. That rule shapes every motor claims channel in the tables below.
The list
Three tables, sorted by name: insurers and foreign branches, third-party administrators, loss adjusters. Marine P&I clubs are the mutuals that insure shipowners' third-party liabilities; twelve keep a licensed Singapore branch because the port is here.
Licensed insurers and foreign branches (60)
Third-party administrators (TPAs) (7)
Loss adjusters and assessment entities (9)
Changes since the register
- Reardon Pte. Ltd.: run-off, not licensed to accept new business, managed by Marsh Management Services.
How claims are filed in Singapore today
Everything below comes from each insurer's own website, read in September 2026. Where a site says nothing about a channel, we say so.
The reporting centre comes first. Under the Motor Claims Framework a driver has to bring the car to an approved reporting centre or authorised workshop within 24 hours, damaged or not. So the first claims "channel" for motor in Singapore is a workshop counter with a camera, and most insurer pages are built around getting the customer there. Budget Direct says a claim can be started online or by phone at any hour, and separately that the driver must report in person at an authorised workshop or accident reporting centre with the car present. AIG offers online accident reporting and a 24-hour hotline, and still asks the customer to bring the vehicle to one of its approved reporting centres. Great Eastern points to the authorised workshop within 24 hours, a hotline and a WhatsApp contact, and calls the reporting-centre report mandatory whether or not a claim follows.
Two insurers bring the reporting to the car. Income runs Orange Force, a roadside team that can take the accident report on site by appointment, next to its accident reporting centres. Income also announced an app called Accident Reporting by Income back in August 2017, which lets a policyholder file remotely with photographs of the scene and the damage, watermarked with time, date and location. Singlife has a Mobile Accident Response Service: one call to the emergency line and, where needed, a responder is sent to the scene to take the photographs, complete the claim form and submit the GIA accident form electronically. The same page lists approved repairers, a workshop email for repair estimates and an online portal for loss of key claims only.
Portals and apps, where they exist. Chubb routes accident and health, travel, residential, pet and gadget claims through its MyAccount portal with document upload, an instant acknowledgement and a token number to track progress. Commercial claims go by email. MSIG offers a customer login portal, a chatbot named Mae, live chat and an SMS enquiry line, plus a workshop locator; its site also describes, in a 2019 press release, a real-time two-way video link between its motor surveyors and workshops, integrated with the Merimen eClaims platform, which MSIG says cut survey turnaround by 80%. Sompo has a MySompo portal, Make a Claim links per product, a hotline and a map of authorised workshops and reporting centres. FWD asks for photos of all vehicles at the scene, a report at an approved reporting centre within 24 hours, or mobile reporting by calling its emergency line.
Hotline and email. Etiqa lists a motor claims email address, a customer care line reachable by phone or WhatsApp, and a downloadable list of approved reporting centres. DirectAsia leads with its claims hotline; online filing, an app or reporting centres are not stated on that page. Liberty promises a dedicated claims specialist per claim and mentions digital tools, without naming a portal or app. Tokio Marine publishes a step-by-step claim guide and an online claim form for its TM 365 personal accident product; its motor reporting steps were not readable on the pages we could open.
For the other 40-odd licensed entities in the table, mostly commercial and specialty branches, no consumer claims channel is stated on their sites, and none would be expected.
Photos are already part of every motor claim here: the framework asks for them and most insurer pages tell the customer to take them. They arrive by gallery upload, email, WhatsApp or a counter camera. The one video process we found, at MSIG, is a live surveyor call to a workshop, not something the policyholder does on their own phone.
What this means if you handle claims
If you run a claims desk at one of the insurers above, or at a TPA or adjusting firm that works for them, the gap in that list is not the photo. It is what the photo can prove.
A gallery upload tells you what the picture shows. It cannot tell you when it was taken, on which device, or whether it has been through an editing app. Venta Capture closes that gap with guided capture: you send a link by SMS, WhatsApp, email or QR code, the customer records video and photos in the mobile browser following the steps your flow asks for, with no app and no account, and the submission lands in a shared inbox as a structured case. Each item carries its own verdict: recorded in the session on this device with a server-verified receipt time, or an extra upload labelled as not verified with a plain-language note on what could and could not be checked. The case is sealed with a SHA-256 fingerprint and a manifest a third party can verify without trusting us.
Two limits, stated plainly. The receipt time proves when the system received the submission, not when the damage happened. And a signal is a reason to look, never a verdict; the decision stays with your handler or adjuster.
It works next to what you already have. A workshop still takes the reporting-centre photos; an insurer's surveyor still runs a live call for the complex cases. Guided capture takes the routine FNOL where nobody from your team needs to be on the call. The plan is free to start and you can have a first flow live in about ten minutes: Start for free. For the claims specifics, see the remote claim inspection page.
Frequently asked questions
How many insurance companies are licensed in Singapore?
The MAS Financial Institutions Directory listed 52 direct general insurers and 9 composite insurers on 14 September 2026, which is 61 licensed direct insurers writing general business. That count includes foreign branches, twelve of them marine P&I clubs, and a few licensees that operate as reinsurers or credit insurers. Life-only insurers, pure reinsurers and captives are licensed under other categories and are not in this list.
Who regulates insurance companies in Singapore?
The Monetary Authority of Singapore licenses and supervises insurers, reinsurers, captives and insurance intermediaries under the Insurance Act. Its Financial Institutions Directory is the public register. The General Insurance Association is the trade body for general insurers and runs the Motor Claims Framework; membership is not a licence.
Is motor insurance compulsory in Singapore?
Yes. The Motor Vehicles (Third-Party Risks and Compensation) Act 1960 requires a policy covering third-party death and bodily injury before a vehicle can be used on the road. Comprehensive and third-party fire and theft cover are optional extensions sold by the insurers in the table; what happens after an accident is a motor claim under the Motor Claims Framework.
What is a TPA, and why are Singapore's TPAs all in health?
A third-party administrator handles claims or policy administration on behalf of an insurer or an employer. In Singapore the TPA market grew up around corporate medical benefits and clinic networks, so the seven TPAs in the list administer health and employee benefits claims under Ministry of Health guidelines. Motor claims handling and FNOL outsourcing are done by the loss adjusting firms instead.
How do I check whether an insurer is licensed?
Search the company name in the MAS Financial Institutions Directory. The entry shows the licence category, the licence date and the registered address. If a company is not in the directory and not listed under Lloyd's Asia, it is not licensed to write insurance in Singapore.
Where to go from here
The tables above are the register as it stood in September 2026; we refresh them when it changes. If you want to see what a guided, sealed submission looks like next to the gallery uploads you receive today, our insurance claims statistics page has the wider numbers, and book a demo gets you a walkthrough on your own phone. Bring one open claim; we build the flow for it during the call.