Liberty Insurance is one of the older general insurers in Singapore and the seventh largest by gross written premium, but most people meet the brand through one product, usually car or maid cover, and never see the rest of the range. It is the Singapore arm of Liberty Mutual, the Boston-based group that ranks eighth among US property and casualty insurers. Locally it sells motor, travel, home, domestic helper, pet, personal accident and SME policies, each with its own tiers and its own catches. This guide pulls the whole range together with verified 2026 premiums and coverage limits, so you can see where Liberty is genuinely competitive (cheap entry premiums, high motor personal-accident cover) and where the fine print quietly trims what you get back.
Liberty Insurance Pte Ltd is a licensed general insurer regulated by the Monetary Authority of Singapore and a member of the General Insurance Association of Singapore. It is a wholly owned business unit of Liberty Mutual Insurance Group, headquartered in Boston, which reported around US$49 billion in annual consolidated revenue for 2023 and operates across roughly 29 countries. In Singapore, Liberty wrote about S$207 million in gross written premium (Singapore Insurance Fund) in 2023, which makes it the seventh largest general insurer in the local market.
Being a general insurer matters for what to expect. Liberty does not sell life insurance, so there is no whole-life, term or investment-linked product here. If you are after life cover, our guide to term life insurance in Singapore is the better starting point. Liberty's range is general and lifestyle cover: motor (private car, EV, private hire, commercial vehicle, motorcycle), TourCare Plus travel, HomeCare home insurance, HelperCare domestic helper insurance, PetCare pet insurance, personal accident, golf, and a set of SME packages such as ShopCare, OfficeCare and CafeCare.
Because the regulator backs every claim through the Policy Owners' Protection Scheme run by the Singapore Deposit Insurance Corporation, a general insurance policy from Liberty carries the same statutory safety net as one from any other licensed insurer. The decision is never about safety, it is about price and the fine print, which is where the rest of this guide lives.
The table below maps Liberty's main personal lines to the entry premium and the headline figure that decides whether the policy is worth it. Premiums are the verified annual or per-policy figures published as of June 2026 and move with your age, claims history, vehicle, destination and chosen tier, so treat each as a starting point and always pull a fresh quote.
| Product | Plan tiers | Entry premium (from) | Headline cover |
|---|---|---|---|
| Private car (motor) | Comprehensive / TPFT / TPO | Quote-based | S$50,000 personal accident, S$5m third-party property |
| TourCare Plus travel | Standard / Supreme | Quote-based | Up to S$500,000 overseas medical |
| HomeCare home | Single policy, 1 or 3 years | Quote-based | Contents to S$200,000, renovation to S$100,000 |
| HelperCare maid | Standard to Supreme Plus | S$294.30 (14 months) | Up to S$100,000 personal accident |
| PetCare pet | Adogable to Pawsh | S$392.40 (annual) | Surgical cover up to S$18,000 |
| Personal accident | Individual / family | Quote-based | Lump-sum cover for accidental death and injury |
Liberty's Private Motor policy comes in the usual three tiers: Comprehensive, Third Party Fire and Theft, and Third Party Only. The Comprehensive plan is where Liberty stands out on one number, a personal accident benefit of up to S$50,000 for the policyholder while driving, plus medical expense reimbursement of up to S$1,000 per person for the driver and passengers, which it carries across all three tiers. Third-party property damage is covered up to S$5 million and third-party death or injury is unlimited, both of which are market-standard rather than special.
Where Liberty is less generous is flexibility. Repairs must be carried out at a manufacturer-appointed workshop or one of Liberty's authorised workshops depending on the plan, so you do not get a free choice of any reporting workshop the way some rivals allow. Loss of use, a rental-car allowance, runs up to five days and applies on the Comprehensive and TPFT tiers, and an NCD Protector is an optional add-on rather than built in.
Premiums are fully quote-based and driven by your no-claim discount, age, car make and claims record, so there is no single sticker price. Before you commit, run the total cost of running the car through our car cost calculator, because the premium is only one line in a bill that also includes road tax, COE depreciation and petrol. If you want a sense of how Liberty's premium compares against the cheaper end of the market, our roundup of the cheapest car insurance in Singapore sets the benchmark.
TourCare Plus is Liberty's main travel policy, sold in both single-trip and annual forms across two tiers, Standard and Supreme. The medical cover is the reason to look at it: up to S$500,000 for overseas medical and hospital expenses from injury or sickness, plus up to S$50,000 for follow-up treatment within 31 days of returning to Singapore, and it extends to treatment by a Chinese physician or chiropractor. Baggage and personal effects, including a laptop and golfing equipment, are covered up to S$8,000.
Trip cancellation is the line to read carefully, because the headline and the base limit differ. The standard cancellation benefit can be as low as S$500 to S$1,000 per person, while the higher published cancellation and postponement limit of up to S$5,000 per person (and up to S$10,000 per family) sits on the Supreme tier. Pre-existing medical conditions are excluded except under specific special extensions, so anyone travelling with a known condition should read those sections before assuming they are covered.
Liberty also runs a cheaper TourCare Essential line for budget single trips. If you are comparing it against rivals on price for a specific destination, our guide to whether you actually need travel insurance in Singapore frames when the cheapest plan is enough and when it is a false economy. For region-specific runs, the cheapest travel insurance for Thailand comparison shows how much destination changes the premium.
HomeCare is Liberty's single home insurance policy rather than a tiered range. It bundles building, renovations, contents and personal liability into one policy and runs on a first-loss basis, meaning the payout for an insured peril is capped at the total insured value regardless of the actual value of each item. Contents are covered with automatic first-loss cover up to S$200,000 and fixtures, fittings and renovations up to S$100,000. The notable saving is a 15% discount for taking a three-year plan, given as an advance no-claim discount, so committing for three years is the lever that moves the price.
If you rent rather than own, the contents-only angle matters more than the building cover. Our explainer on the difference between home insurance and home contents insurance covers which one a tenant actually needs, since paying for building cover you do not own is a common waste.
HelperCare is Liberty's domestic helper policy (the product previously marketed as MaidCare), sold in four tiers, Standard, Standard Plus, Superior Plus and Supreme Plus, in 14-month and 26-month durations to match the work permit cycle. Every tier includes the S$5,000 Letter of Guarantee to the Ministry of Manpower required for the security bond. The differences sit in personal accident (S$60,000 up to S$100,000) and annual hospital and surgical cover (S$60,000 up to S$80,000). The table below lists the verified 14-month premiums.
| Tier | Premium, helper aged 50 or below | Premium, helper aged 51 to 64 | Personal accident (death) | Hospital & surgical (annual) |
|---|---|---|---|---|
| Standard | S$294.30 | S$515.03 | S$60,000 | S$60,000 |
| Standard Plus | S$367.88 | S$643.79 | S$60,000 | S$60,000 |
| Superior Plus | S$441.45 | S$772.54 | S$80,000 | S$80,000 |
| Supreme Plus | S$498.68 | S$872.69 | S$100,000 | S$80,000 |
PetCare was the first pet insurance policy launched in Singapore and remains the one most vets recognise. Since January 2025 it runs on five tiers, from the entry Adogable Plan at S$392.40 a year to the top Pawsh Plan at S$1,471.50, with surgical-bill cover scaling from S$2,500 to S$18,000. The structure to understand before the price is the co-insurance: you pay 20% of every surgical bill if the pet enrolled before age 5, 30% if it joined between ages 5 and 9, and a flat 50% of every non-surgical illness bill, so the policy never reimburses the whole amount.
Because pet cover has its own deductibles, waiting periods and a long exclusion list, we break the five tiers down plan by plan in the dedicated Liberty pet insurance review. If you are weighing it against rivals, the broader best pet insurance for dogs and cats roundup compares Liberty on premium and surgical cap. The single rule that saves the most money is to enrol while the pet is under 5 to lock the lower 20% surgical co-pay.
Liberty is competitive on entry premiums and on a few headline numbers, but the catches are consistent across the range, so know them before you compare on price alone.
Co-insurance and excesses are where the advertised cover shrinks. On PetCare you carry 20% to 50% of every bill; on motor and home you carry the policy excess on each claim. Understanding how a co-insurance share and a deductible interact is the difference between a payout that helps and one that disappoints, because both come off before any cap applies.
Workshop and panel restrictions matter on motor: Liberty's authorised-workshop rule limits where you can repair after an accident. On travel, pre-existing conditions are excluded unless a special extension applies. On home, the first-loss basis means your payout is capped at the sum insured, so under-insuring to save on premium directly cuts what you can claim. Every Liberty policy also carries a 14-day free-look period, so use the free-look window to read the actual policy wording, not the brochure, and cancel for a refund if the exclusions do not suit you.
Liberty is rarely the single cheapest insurer for a given product, but it is consistently in the affordable tier and it backs that with one or two genuinely strong figures per line: the S$50,000 motor personal accident benefit, the S$500,000 travel medical cover, and the recognised PetCare brand. It suits buyers who want a known general insurer at a mid-market price and who do not need maximum flexibility, such as a free choice of repair workshop.
The honest way to decide is to never buy on brand. Pull a Liberty quote, then pull two rivals for the same coverage and excess, and compare the total annual cost against the specific limits you would actually claim on. Slot whichever premium you choose into a broader plan using our personal budget calculator, because an insurance premium only makes sense once it sits inside the rest of your monthly outgoings.
Cai's take: Liberty is a solid default for motor and maid cover where its entry premiums are competitive, a fair pick for travel if you value the high medical limit, and a brand to compare hard on home and pet, where the first-loss basis and the co-insurance respectively decide whether the cheap headline premium is really cheap.
Liberty Insurance Pte Ltd is a Singapore-licensed general insurer regulated by the Monetary Authority of Singapore, but it is owned by Liberty Mutual Insurance Group, a Boston-based group that is the eighth largest property and casualty insurer in the United States.
Liberty sells general and lifestyle insurance only: private car, EV, private hire, commercial vehicle and motorcycle motor cover, TourCare Plus travel, HomeCare home, HelperCare domestic helper, PetCare pet, personal accident, golf, and SME packages. It does not sell life insurance.
As of June 2026, Liberty HelperCare 14-month premiums for a helper aged 50 or below start at S$294.30 for the Standard tier and rise to S$498.68 for Supreme Plus. Premiums for a helper aged 51 to 64 run from S$515.03 to S$872.69.
No. Liberty's Private Motor policy requires accident repairs at a manufacturer-appointed workshop or one of Liberty's authorised workshops depending on the plan, so you do not get a free choice of any reporting workshop the way some rival insurers allow.
Yes. As a MAS-licensed general insurer, Liberty's eligible policies are protected under the Policy Owners' Protection Scheme administered by the Singapore Deposit Insurance Corporation, the same statutory safety net that covers every other licensed general insurer in Singapore.
This is general financial information for Singapore, not personal financial advice. Figures change — verify current rates against the official sources above before acting. See our full disclaimer.