Updated September 30, 2026 · AssureCue Editorial Team
Income Insurance vs YouSet
What sets them apart
| Compare |  Income Insurance |  YouSet |
|---|---|---|
| Premium from | SGD 0.60 | CA$5 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle | Auto, Home, Renters, Motorcycle |
| Provider type | Insurer | Broker |
| Claims channels | Phone, Email, Online form, Mobile app, Customer portalCovers more | Phone |
| Monthly payments | Not confirmed | Yes |
| Excess from | SGD 250 | Not confirmed |
| Cover limit | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) | Not confirmed |
| Age range | Pet insured must be at least 16 weeks old and below 9 years old at policy start | Not confirmed |
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Key differences
- Income Insurance scores higher overall: 9.4 vs 8.9.
- Founded is lower at Income Insurance: 1970 vs 2017.
- Insurance types: only Income Insurance offers Life, Health, Travel.
- Insurance types: only YouSet offers Renters.
- Claims channels: only Income Insurance offers Email, Online form, Mobile app.
- Support channels: only YouSet offers Chat.
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.
YouSet
YouSet suits renters, homeowners, drivers and riders in Canada seeking side by side broker quotes with monthly payments available alongside premiums that start at CAD 5. Claims run by phone through phone while support spans email, chat and phone for policy help and service enquiries across cover types.
Score breakdown
| Area | Income Insurance | YouSet |
|---|---|---|
| Cost | 9.1Premiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. | 9.3HigherPremiums start at CAD 5 with monthly payments available for budgeting flexibility. |
| Offer | 9.6Higher | 9.0Cover spans auto, home and renters across auto, home, renters and motorcycle needs. |
| Trust | 9.5Higher | 8.5Broker model disclosed as broker with support across email, chat and phone. |
How they place
| Ranking | Income Insurance | YouSet |
|---|---|---|
| Car insurance | 8 of 393 | 24 of 393 |
| Home insurance | 7 of 272 | 22 of 272 |
| Motorbike insurance | 5 of 120 | 14 of 120 |
Side by side, item by item
| Insurance types | Income Insurance | YouSet |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | Yes |
Every fact side by side
| Fact | Income Insurance | YouSet |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Legal entity | Income Insurance Limited | YouSet Insurance |
| Headquarters | Singapore | Canada |
| Founded | 1970Lower | 2017 |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Business insurance
| Fact | Income Insurance | YouSet |
|---|---|---|
| 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.
YouSet
Pros
- Premiums that start at CAD 5 give a clear entry signal for budget comparison.
- Cover spans auto, home and renters, useful versus LV= which covers auto, home and pet.
- Monthly payments are available, helping spread costs across the term.
Cons
- Claims run on phone only, so written or chat claims routes are absent for phone users.
- Broker cover means policies sit with partner insurers rather than YouSet as broker, unlike insurer alternatives such as LV=.
- Entry premiums that start at CAD 5 will vary by profile, and die Bayerische lists €2.09 for strict price comparison.
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.
YouSet
Who it suits
- Canadian drivers and riders bundling motor risks who might otherwise consider LV= which covers auto, home and pet.
- Renters and homeowners comparing property quotes together, unlike die Bayerische at €2.09.
- Budget planners using monthly payments available while watching entry at CAD 5.
Who should look elsewhere
- Drivers needing broader life and travel cover may prefer Allianz Malaysia because it covers auto, motorcycle and home.
- Pet owners may prefer LV= because it covers auto, home and pet including pet cover.
- Shoppers chasing the lowest headline entry signal may compare die Bayerische at €2.09 against CAD 5.
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 | YouSet |
|---|---|---|
| Canada | No | Yes |
| Singapore | Yes | No |
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.
YouSet
What does YouSet cover cost at entry level?+
Premiums start at CAD 5 according to the advertised entry signal, although the amount you pay depends on vehicle, property, location and claims history. Monthly payments are available, which helps spread the annual cost rather than paying the full term in advance.
Is YouSet an insurer or a broker?+
YouSet arranges cover as broker, which means it compares options and arranges policies that are then held with partner insurers. Your money for the actual risk cover goes to the insurer shown on your policy documents, while YouSet handles shopping and service support.
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