Updated September 28, 2026 · AssureCue Editorial Team
Income Insurance vs Vuso UA
Where Income Insurance and Vuso UA differ
| Compare |  Income Insurance |  Vuso UA |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle | Auto, Travel, Health, Home, Renters |
| Excess from | SGD 250 | €0 to €50 |
| Cover limit | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) | Up to 3.5 million UAH (KASKO Patriot 2.0 Unlimited) |
| Claims channels | Phone, Email, Online form, Mobile app, Customer portalCovers more | Phone |
| Age range | Pet insured must be at least 16 weeks old and below 9 years old at policy start | Children aged 0-3 and adults aged 60-65 (voluntary medical insurance) |
| Premium from | SGD 0.60 | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Income Insurance scores higher overall: 9.4 vs 9.3.
- Founded is lower at Income Insurance: 1970 vs 2001.
- Insurance types: only Income Insurance offers Life, Pet, Motorcycle.
- Insurance types: only Vuso UA offers Renters.
- Claims channels: only Income Insurance offers Email, Online form, Mobile app.
- Support channels: only Vuso UA offers Chat.
- Audience: only Income Insurance offers Seniors.
- Audience: only Vuso UA offers Expats.
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.
Vuso UA
Vuso UA is a Ukrainian insurer selling personal lines directly, which suits anyone who wants auto, travel, health, home or renters cover from one provider. Its cost score sits at 8.1, and the excess starts at €0 to €50, so out-of-pocket cost is the first thing to weigh.
Score breakdown
| Area | Income Insurance | Vuso UA |
|---|---|---|
| Cost | 9.1Premiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. | 9.6Higher |
| Offer | 9.6Higher | 9.1 |
| Trust | 9.5Higher | 9.3 |
Pick Income Insurance if, pick Vuso UA if
Pick Income Insurance if offer and claims channels matter most.
Pick Vuso UA if cost matter most.
What each covers
| Insurance types | Income Insurance | Vuso UA |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | Yes | No |
Where each is licensed and available
| Country | Income Insurance | Vuso UA |
|---|---|---|
| Ukraine | Not confirmed |
Additional countries for Income Insurance: 1. Additional countries for Vuso UA: 1.
Where these facts come from
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
Vuso UA
- vuso.ua: 11 facts, checked September 26, 2026
How they place
| Ranking | Income Insurance | Vuso UA |
|---|---|---|
| Car insurance | 8 of 393 | 13 of 393 |
| Home insurance | 7 of 272 | 12 of 272 |
| Health insurance | 7 of 215 | 13 of 215 |
| Travel insurance | 11 of 291 | 17 of 291 |
Every fact side by side
| Fact | Income Insurance | Vuso UA |
|---|---|---|
| Audience | Seniors | Expats |
| Legal entity | Income Insurance Limited | PrAT Insurance Company VUSO |
| Headquarters | Singapore | Ukraine |
| Founded | 1970Lower | 2001 |
| Support channels | Phone, Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Business insurance
| Fact | Income Insurance | Vuso UA |
|---|---|---|
| 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.
Vuso UA
Pros
- Insurer rather than a broker, so cover comes direct from insurer
- One provider spans auto, travel and health
- Excess starts at €0 to €50
Cons
- Claims are handled by phone alone, on phone
- Voluntary medical insurance is limited to children and older adults
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.
Vuso UA
Who it suits
- Drivers in Ukraine wanting auto cover with the option of other lines
- Expats settling in Ukraine, listed for expats
- Households wanting home or renters cover alongside a car policy
Who should look elsewhere
- Shoppers wanting to claim online or by message, since claims run on phone only
- Anyone wanting pet, life or motorcycle cover, which sits outside auto, travel and health
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
Vuso UA
Current offer
Discount code
10% discount on medical travel insurance for trips abroad: 10% discount
Covers COVID-19 treatment costs, 24/7 emergency medical assistance worldwide
Source, checked September 26, 2026
Country by country
| Country | Income Insurance | Vuso UA |
|---|---|---|
| Singapore | Yes | No |
| Ukraine | 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.
Vuso UA
What does an excess look like on a Vuso policy?+
The excess starts at €0 to €50 on the range. Anything above that is the part of a claim that stays with you, so a policy with a low starting excess leaves less of a bill to absorb after a loss.
How are claims made with Vuso?+
Claims are handled on phone only, so a claim starts with a call. That is narrower than the wider support offering, which also covers phone, email and chat for questions that do not involve a claim.
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