SingaporeIs a Grab driver covered for motor accident claims?
Yes, a Grab driver is covered for motor accident claims under Singapore law if the vehicle is used with the owner’s consent and is insured for third-party risks as required by law.
What the Law Says
The Motor Vehicles (Third-Party Risks and Compensation) Act (MVTPRCA) sets out the legal requirement for motor insurance in Singapore — including for ride-hailing drivers like those on Grab.
Under Singapore law, it is illegal to use a motor vehicle on a road unless there is in force a policy of insurance covering liability for death or bodily injury to third parties arising from the use of the vehicle.
This applies regardless of whether the driver is employed, self-employed, or operating via a platform like Grab — as long as the vehicle is being used on a road and the driver has the owner’s permission.
The law does not distinguish between private, commercial, or ride-hailing use when determining the basic insurance obligation. What matters is whether the vehicle is being used on a road and whether the driver is lawfully permitted to drive it.
Statutory TextNo person shall use a motor vehicle on a road unless there is in force in relation to the use of the motor vehicle a policy of insurance… covering liability for death or bodily injury to third parties arising out of the use of the motor vehicle on a road.
— Motor Vehicles (Third-Party Risks and Compensation) Act, s. 3 — Use of motor vehicles without insurance
What to Do
Ensure your vehicle has a valid third-party motor insurance policy before accepting any Grab trips.
Confirm with your insurer that your policy covers 'commercial use' or 'ride-hailing activities' — standard private policies may exclude this.
Carry proof of insurance (e.g., digital or physical certificate) while driving for Grab.
Report accidents immediately to your insurer and Grab, and file a police report if injuries or significant damage occur.
Sources
Not legal advice. This article is general information based on publicly available sources, written for educational purposes. Laws change and individual situations vary. Consult a licensed attorney in your jurisdiction before acting on anything you read here. Last reviewed: 2026-06-08.