Consequences of Driving Without Valid Road Tax and Insurance in Singapore

road tax insurance must in singapore

Driving a car in Singapore without valid road tax and insurance is illegal and can result in serious consequences. Both road tax and insurance are mandatory requirements for all vehicles on Singapore roads, and failure to comply with these regulations can result in fines, penalties, and even prosecution.

In addition to the legal consequences, driving without road tax and insurance also puts the driver at risk in the event of an accident. Without insurance, the driver would be personally liable for any damages or injuries caused to others.

It is therefore important for all drivers in Singapore to ensure that their vehicles are properly registered, insured, and have valid road tax before taking them out on the road.

Under the Road Traffic Act, a driver who uses a vehicle on public roads without valid road tax or insurance can be fined up to S$2,000, or face imprisonment for up to three months, or both. The driver can also be disqualified from driving.

What is a road tax?

road tax disc

In Singapore, road tax is a tax levied on owners of vehicles as a means of financing the maintenance and construction of public roads. The amount of road tax payable depends on various factors, including the engine capacity, the age of the vehicle, and the type of fuel it uses.

All vehicles in Singapore must display a valid road tax disc on the windscreen, which is obtained by paying the appropriate road tax fee to the Land Transport Authority (LTA). Failure to display a valid road tax disc can result in a fine or other penalties. (Update: road tax disc has been phased out from 15 February 2017 and motorists are no longer required to display road tax discs on the vehicle’s windscreen.)

Road tax must be renewed annually, and the LTA will send a reminder notice to vehicle owners before the current road tax expires. It is important to renew the road tax on time to avoid fines or other penalties, such as impoundment of the vehicle.

If a vehicle is scrapped or transferred to a new owner, the road tax must be cancelled, and a refund may be obtained for any unused portion of the tax.

where to renew road tax?

You can renew your road tax online via the OneMotoring website or at any of the following authorized inspection centres:

  1. Automobile Association of Singapore (AAS)
  2. Vicom Ltd
  3. STA Inspection Pte Ltd
  4. JIC Inspection Centre Pte Ltd
  5. SGS Testing & Control Services Singapore Pte Ltd

You can also renew your road tax at any SingPost branch or at the Road Tax Collection counters located at Land Transport Authority (LTA) customer service centres. AXS Station is another alternative which can be easily located in petrol kiosks and shopping centres. (Service is available daily from 6 am to midnight).

Motor Vehicle Insurance

In Singapore, car insurance is compulsory for all registered vehicles. Car owners must purchase a motor insurance policy that meets the minimum coverage requirements set by the Land Transport Authority (LTA). These requirements include coverage for third-party liability, personal accident benefits, and damage to third-party property.

Car owners can purchase car insurance from a range of insurance companies, including local insurers and international ones. There are many factors to consider when choosing a car insurance policy, including the level of coverage, the excess payable, and the premium cost.

It is also important to note that in Singapore, car insurance policies are renewed annually. Car owners must ensure that their insurance policy is renewed before the expiry date to avoid driving without insurance coverage, which is an offence.

You can get a comparison of insurance plans from MoneySmart or the Budget Direct website.

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