Updated September 30, 2026 · AssureCue Editorial Team
DirectAsia vs Income Insurance
What sets them apart
| Compare |  DirectAsia |  Income Insurance |
|---|---|---|
| Insurance types | Auto, Motorcycle, Travel | Auto, Home, Life, Health, Travel, Pet, MotorcycleCovers more |
| Excess from | SGD 30Lower | SGD 250 |
| Cover limit | SGD 500,000 overseas medical | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
| Claims channels | Phone, Online | Phone, Email, Online form, Mobile app, Customer portal |
| Age range | 15 days to below 81 years | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
| Premium from | Not confirmed | SGD 0.60 |
Same on both: Provider type (Insurer).
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Key differences
- Income Insurance scores higher overall: 9.4 vs 9.1.
- Founded is lower at Income Insurance: 1970 vs 2010.
- Excess from is lower at DirectAsia: SGD 30 vs SGD 250.
- Insurance types: only Income Insurance offers Home, Life, Health.
- Claims channels: only DirectAsia offers Online.
- Claims channels: only Income Insurance offers Email, Online form, Mobile app.
Our verdict on each
DirectAsia
DirectAsia suits drivers, riders and travellers in Singapore who want motor and travel cover from an insurer with family travel eligibility across 15 days to below 81 years. Support through phone, email and help centre and claims through phone and online suit readers who prefer phone and online help for everyday questions and claims.
Income Insurance
Income Insurance suits anyone who wants a single insurer to hold several personal policies from a company based in Singapore, and it scores 5.6 here. On entry price it ranks 24 of 252 brands, so get a quote on your own details before committing to any plan.
Score breakdown
| Area | DirectAsia | Income Insurance |
|---|---|---|
| Cost | 9.1Excess starts at SGD 30 on travel plans, giving a clear price signal before you claim. | 9.1Premiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. |
| Offer | 8.9Focused choice of auto, motorcycle and travel keeps motor and travel needs together in a clear menu. | 9.6Higher |
| Trust | 9.2Operates as insurer, which keeps underwriting and claims within the same firm. | 9.5Higher |
How they place
| Ranking | DirectAsia | Income Insurance |
|---|---|---|
| Car insurance | 19 of 393 | 8 of 393 |
| Travel insurance | 28 of 291 | 11 of 291 |
| Motorbike insurance | 12 of 120 | 5 of 120 |
What each covers
| Insurance types | DirectAsia | Income Insurance |
|---|---|---|
| Auto | Yes | Yes |
| Home | No | Yes |
| Life | No | Yes |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | Yes | Yes |
Availability and regulation
| Country | DirectAsia | Income Insurance |
|---|---|---|
| Singapore | Not confirmed |
Available in 1 country for both.
Every fact side by side
| Fact | DirectAsia | Income Insurance |
|---|---|---|
| Audience | Seniors | Seniors |
| Legal entity | Auto & General Insurance (Singapore) Pte. Limited trading as DirectAsia Insurance | Income Insurance Limited |
| Headquarters | Singapore | Singapore |
| Founded | 2010 | 1970Lower |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Business insurance
| Fact | DirectAsia | Income Insurance |
|---|---|---|
| Cover types | Not confirmed | Professional indemnity |
Pros and cons
DirectAsia
Pros
- Covers motor and trips together through auto, motorcycle and travel, with auto, motorcycle and travel in a focused menu.
- Includes overseas medical protection of SGD 500,000 overseas medical for travel plans, which helps with hospital costs abroad.
- Welcomes seniors travellers within family plans, supporting trips with older relatives.
Cons
- Range stays focused on auto, motorcycle and travel, while Allianz Malaysia covers auto, motorcycle and home for wider household needs.
- Support runs on phone, email and help centre only, which suits readers comfortable without live chat.
- Travel medical limits centre on SGD 500,000 overseas medical, so readers wanting higher overseas limits should compare with LV=.
Income Insurance
Pros
- A single insurer for the lot: auto, home and life and professional indemnity can sit with the same company, so personal and trade policies need not be split across providers.
- Claim handling runs through phone, email and online form, so you can start a claim by whichever route suits the moment, from a form to a call.
- Support is listed as phone, email and help centre, so a quote or renewal question has a phone line, an inbox and a help centre behind it.
Cons
- The pet excess starts at SGD 250, so a routine claim still leaves that amount with you before the insurer pays anything.
- The pet age range rules older animals out: the pet must be above a minimum age and below a maximum age at the policy start.
- The pet cover limit moves through a fixed annual range under Happy Tails Pet Insurance rather than a single high ceiling, so a costly year at the vet can outrun the policy.
Who each suits
DirectAsia
Who it suits
- Drivers and riders who want auto and motorcycle cover with travel alongside, unlike LV= fans seeking home and pet focus.
- Families and senior travellers who value wide age eligibility, unlike readers needing broader life cover from Allianz Malaysia.
Who should look elsewhere
- Readers who want home, life or pet cover in the same account may prefer Allianz Malaysia, which covers broader household lines.
- Readers who want live chat support may prefer die Bayerische style providers with wider contact options.
Income Insurance
Who it suits
- Anyone who wants their auto, home and life cover gathered under a single insurer rather than split across providers.
- Seniors, named as an audience on seniors, and households that still want a phone line on phone, email and help centre.
- Pet owners whose animal sits inside the age window and whose yearly vet bills stay under the pet cover limit.
Who should look elsewhere
- Anyone chasing the lowest entry figure on its own: bunq starts at €0, which is the number to weigh before settling on Income Insurance.
- Renters who need contents-only cover, since Good Sam Insurance Agency lists auto, home and renters and that line is missing from auto, home and life.
- Pet owners with older animals or very large veterinary bills, who are better served by a pet-focused insurer than by Income Insurance.
Current offers
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Country by country
| Country | DirectAsia | Income Insurance |
|---|---|---|
| Singapore | Yes | Yes |
Questions about each
DirectAsia
What types of insurance does DirectAsia offer?+
DirectAsia covers auto, motorcycle and travel for auto, motorcycle and travel needs. Travel medical protection includes SGD 500,000 overseas medical for care abroad. Check plan limits and exclusions before you buy, then match the choice to your vehicle and trip pattern.
Who can join a DirectAsia family travel plan?+
Family travel eligibility spans 15 days to below 81 years for eligible travellers. The range includes seniors travellers, which helps older relatives join family trips. Confirm age rules and health declarations on your chosen plan before you pay.
Income Insurance
How much does cover start at?+
Premiums begin at SGD 0.60. That is the entry figure across Income Insurance products and a starting point rather than a quote for your own situation. The cover you pick and the details you give shape the price you are offered, so read it as the entry point of the range, not the amount you are likely to pay.
Is there an excess to pay on a claim?+
On Happy Tails Pet Insurance, the excess starts at SGD 250. The excess is the part of a claim you cover yourself before the insurer pays the rest. A lower excess is gentler on a routine vet visit, while a higher starting excess keeps the premium smaller. Picture a normal appointment and check that the amount you would pay alone still feels comfortable.
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