SG Singapore Driver
Knowledge base Incidents 1 min read

Certificate of Merit for Singapore Drivers

The demerit-point-free record needed for a Certificate of Merit, how SPF lets drivers check eligibility, and how insurers may treat it alongside No-Claim Bonus.

Certificate-of-Merit COM demerit-points vehicle-insurance NCB

Primary source: https://www.police.gov.sg/E-Services/Check-Eligibility-for-Certificate-of-Merit

Eligibility

The Singapore Police Force (SPF) says drivers who have maintained a continuous demerit-point-free driving record for the past 3 years are eligible for a Certificate of Merit (COM). The SPF e-service lets drivers check their COM eligibility (SPF, Check Eligibility for Certificate of Merit).

Insurance

SPF says entitlement to a discount on a vehicle-insurance premium is subject to the terms of participating insurance companies. Any such discount is over and above the driver's No-Claim Bonus (NCB); the SPF page does not state a discount amount or make the discount automatic (SPF, Check Eligibility for Certificate of Merit).

Coverage debt

  • SPF does not publish the participating insurers' individual terms, discount amounts, or redemption procedures on this page.

Sources