Updated September 28, 2026 · AssureCue Editorial Team
Income Insurance vs Nationwide
Where Income Insurance and Nationwide differ
| Compare |  Income Insurance | Nationwide ReviewVisitVisit |
|---|---|---|
| Premium from | SGD 0.60 | $35 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle | Auto, Home, Renters, Life, Motorcycle, Pet |
| Cover limit | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) | USD 50,000 per bike (custom motorcycle insurance) |
| Claims channels | Phone, Email, Online form, Mobile app, Customer portalCovers more | Phone |
| Monthly payments | Not confirmed | Yes |
| Excess from | SGD 250 | Not confirmed |
| Age range | Pet insured must be at least 16 weeks old and below 9 years old at policy start | Not confirmed |
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 Nationwide: 1925 vs 1970.
- Insurance types: only Income Insurance offers Health, Travel.
- Insurance types: only Nationwide offers Renters.
- Claims channels: only Income Insurance offers Email, Online form, Mobile app.
- Support channels: only Income Insurance offers Email.
Our verdict on each
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.
Nationwide
Nationwide suits people in the US who want several policies from a single insurer, covering auto, home, renters, life, motorcycle and pet with monthly payments available. Its listed starting premium is $35, a general entry point rather than a quote for a single policy.
Score breakdown
| Area | Income Insurance | Nationwide |
|---|---|---|
| Cost | 9.1HigherPremiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. | 8.8 |
| Offer | 9.6Higher | 8.7 |
| Trust | 9.5 | 9.6Higher |
How they place
| Ranking | Income Insurance | Nationwide |
|---|---|---|
| Car insurance | 8 of 394 | 19 of 394 |
| Home insurance | 7 of 273 | 19 of 273 |
| Life insurance | 6 of 263 | 15 of 263 |
| Pet insurance | 6 of 163 | 12 of 163 |
| Motorbike insurance | 5 of 120 | 12 of 120 |
What we checked
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
Nationwide
- nationwide.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Income Insurance | Nationwide |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Income Insurance Limited | Nationwide Mutual Insurance Company |
| Headquarters | Singapore | United States |
| Founded | 1970 | 1925Lower |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
Business insurance
| Fact | Income Insurance | Nationwide |
|---|---|---|
| Cover types | Professional indemnity | Not confirmed |
Pros and cons
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.
Nationwide
Pros
- Personal lines span auto, home, renters, life, motorcycle and pet (auto, home and renters).
- Monthly payments available, with monthly as the listed model.
- An insurer rather than a broker, trading as Nationwide Mutual Insurance Company.
Cons
- Starting premium of $35 sits above the site median of €8.37.
- Support runs on phone and help centre only, with no listed chat or email.
- Health and travel are not among its insurance types (auto, home and renters).
Who each suits
Income Insurance
Who it suits
- Anyone who wants their auto, home and life cover gathered under a single insurer rather than split across providers.
- Seniors, named as an audience on seniors, and households that still want a phone line on phone, email and help centre.
- Pet owners whose animal sits inside the age window and whose yearly vet bills stay under the pet cover limit.
Who should look elsewhere
- Anyone chasing the lowest entry figure on its own: bunq starts at €0, which is the number to weigh before settling on Income Insurance.
- Renters who need contents-only cover, since Good Sam Insurance Agency lists auto, home and renters and that line is missing from auto, home and life.
- Pet owners with older animals or very large veterinary bills, who are better served by a pet-focused insurer than by Income Insurance.
Nationwide
Who it suits
- US households wanting auto, home, renters, life, motorcycle or pet from a single provider.
- Readers who prefer spreading premiums across the year.
- Bike owners who want claims handled by phone (phone).
Who should look elsewhere
- bunq suits readers after banking rather than personal insurance.
- EuroAsia Insurance serves a different market, starting at UZS 60,000.
- Good Sam Insurance Agency fits readers wanting health and travel types.
Current offers
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ 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 | Income Insurance | Nationwide |
|---|---|---|
| Singapore | Yes | No |
| United States | No | Yes |
Questions about each
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.
Nationwide
What kind of company is Nationwide?+
Nationwide is an insurer (insurer) rather than a broker, trading as Nationwide Mutual Insurance Company. Its headquarters sit in US and it was founded in 1925. Policies are underwritten by the company itself, so the contract and the claims both sit with the same firm.
How much does Nationwide cost?+
Premiums start at $35 across the personal lines it sells. That figure is a starting point rather than a quote, and the site median for the same measure is €8.37, so this opening price reads as high on the page.
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