Updated October 21, 2026 · SumCue Editorial Team
Income Insurance vs WAS Insurance
Income Insurance
Higher score in this comparison
WAS Insurance
What sets them apart
| Compare | Income InsuranceReviewVisitVisit | WAS InsuranceReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Pet, MotorcycleCovers more | Travel, Pet |
| Provider type | Insurer | Broker |
| Excess from | SGD 250 | A$100 |
| Cover limit | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) | Unlimited medical |
| Claims channels | Phone, Email, Online form, Mobile app, Customer portal | Phone, Email, Online |
| Age range | Pet insured must be at least 16 weeks old and below 9 years old at policy start | 18-99 |
| Premium from | SGD 0.60 | Not confirmed |
| Monthly payments | Not confirmed | Yes |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Income Insurance scores higher overall: 9.4 vs 8.9.
- Insurance types: only Income Insurance offers Auto, Home, Life.
- Claims channels: only Income Insurance offers Online form, Mobile app, Customer portal.
- Claims channels: only WAS Insurance offers Online.
- Support channels: only Income Insurance offers Help centre.
Our verdict on each
Income Insurance
Income Insurance is a Singapore insurer selling auto, home, life, health, travel, pet and motorcycle cover, with a starting premium of SGD 0.60. It suits households that want several kinds of cover under one insurer, and seniors sit among the audience it names.
WAS Insurance
WAS Insurance suits travellers and pet owners in Australia seeking monthly billed cover through a broker model with broad claim routes. Travel plans include Unlimited medical while pet excess starts at AUD 100, with support on email and phone for policy help.
Score breakdown
| Area | Income Insurance | WAS Insurance |
|---|---|---|
| Cost | 9.1HigherStarting premium of SGD 0.60 ranks 25 of 251 brands on premium from, while pet cover carries an excess of SGD 250. | 9.0Monthly billing through monthly keeps premiums spread across the year. |
| Offer | 9.5Higher | 8.7Focused range of travel and pet with Unlimited medical on travel plans. |
| Trust | 9.5Higher | 8.8Broker licensed under 536280 with claims via phone, email and online. |
How they place
| Ranking | Income Insurance | WAS Insurance |
|---|---|---|
| Insurance | 15 of 627 | 45 of 627 |
| Travel insurance | 8 of 278 | 28 of 278 |
| Pet insurance | 3 of 157 | 8 of 157 |
What each covers
| Insurance types | Income Insurance | WAS Insurance |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | No |
Where each is licensed and available
| Country | Income Insurance | WAS Insurance |
|---|---|---|
| Australia | Not confirmed | ASIC 536280 |
Additional countries for Income Insurance: 1. Additional countries for WAS Insurance: 1.
Sources behind this comparison
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
WAS Insurance
- wiseandsilent.com: 11 facts, checked September 29, 2026
Every fact side by side
| Fact | Income Insurance | WAS Insurance |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Income Insurance Limited | Wiseandsilent Pty Ltd |
| Headquarters | Singapore | Australia |
| Founded | 1970 | Not confirmed |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Pros and cons
Income Insurance
Pros
- One insurer handles auto, home and life.
- Starting premiums of SGD 0.60, with the site's median starting premium at €8.31.
- Claims can be started through phone, email and online form.
Cons
- The pet policy starts at an excess of SGD 250, and its annual cover is capped at a set maximum.
- The pet line under auto, home and life only begins inside a set age band, so an older animal falls outside it.
- Pricing and cover sit in a single market, SG, and the only audience named is seniors.
WAS Insurance
Pros
- Focused choice of travel and pet for travel and pet needs in a single place
- Travel medical protection described as Unlimited medical
- Claims can be lodged by phone, email and online with monthly billing via monthly
Cons
- Range stays limited to travel and pet, so households wanting home or auto cover must look elsewhere
- Support runs on email and phone only, without live chat or online account help
Who each suits
Income Insurance
Who it suits
- Households in Singapore who want motor, home, life, health, travel, pet and motorcycle cover arranged with one provider.
- Seniors, the only audience named under seniors.
- Pet owners with a young animal who are comfortable paying SGD 250 first on a vet bill.
Who should look elsewhere
- Readers chasing the lowest starting premium on the site, since bunq and bunq Spain list €0 and €0.
- Anyone who needs cover in a market other than SG, for whom bunq Spain is the option here tied to a different country.
WAS Insurance
Who it suits
- Travellers seeking medical protection described as Unlimited medical with monthly billing
- Pet owners comfortable with an excess from AUD 100 and email or phone service
Who should look elsewhere
- Readers wanting life cover should consider Linxea, which focuses on life
- Households wanting auto, home or health cover should consider die Bayerische, which lists auto, home and motorcycle
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 | WAS Insurance |
|---|---|---|
| Australia | No | Yes |
| Singapore | Yes | No |
Questions about each
Income Insurance
What kinds of insurance does Income Insurance sell?+
Income Insurance writes auto, home and life policies, so motor, home, life, health, travel, pet and motorcycle cover all sit with one provider. It is classed as an insurer rather than a comparison site, and it operates from SG.
What is the cheapest premium?+
The advertised starting premium is SGD 0.60. The site's median starting premium is €8.31, with a lower quartile of €2.92 and an upper quartile of €29.72. Income sits in the cheaper part of that range.
WAS Insurance
What types of insurance does WAS Insurance offer?+
WAS Insurance arranges travel and pet, covering travel and pet needs. It acts as a broker rather than an insurer, so policies come from partner underwriters. That focus suits readers who want those protections without a broader household portfolio.
How does the pet excess work?+
Pet policies carry an excess starting at AUD 100 per claim. The exact amount can vary by plan and claim type, so check the schedule before you buy. Monthly billing through monthly spreads the annual premium rather than removing the excess.
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