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Certificate of Merit (COM)

Certificate of Merit (COM)

Valid Singapore driving licence holders who have maintained a continuous demerit-point-free driving record for the past three years are eligible for a Certificate of Merit (COM).

Licence holders with a valid COM may enjoy an additional discount, over and above the No-Claim Bonus, when renewing their insurance policy with participating insurance companies. To qualify, they must also not have made any claims on their vehicle insurance in the past three years.

You may check your eligibility for a COM at SPF | Check Eligibility for Certificate of Merit.

Participating Insurance companies

Frequently Asked Questions (FAQs)

For more information, please refer to the FAQs below.

Q1: What is the Digital Driving Licence?

Q2: How do I access the Digital Driving Licence?

Q3: When can I use the Digital Driving Licence?

Q4: How do I attain the Digital Driving Licence?

Q5: I do not have a Singpass account. Can I continue to use my hardcopy driving licence?

Q6. Will I be charged for the Digital Driving Licence?

Q7: Does the Digital Driving Licence replace my photocard driving licence?

Q8: An organisation has requested for a screenshot of my Digital Driving Licence. Should I allow them to take a photograph of it?

Q9: How can I tell if a Digital Driving Licence is legitimate?

Q10: Is it mandatory for me to carry my Digital Driving Licence or photocard driving licence when I drive?

Q11: Why should I use the Digital Driving Licence?

Q12: If my phone is compromised and hackers have access to my data, will they also get my Digital Driving Licence data?

Q13: Is my Digital Driving Licence shown on the homepage of the app? I do not want to show the details reflected in my Digital Driving Licence for privacy reasons. How can I hide it?

Q14: What should I do if I lose my phone with the Singpass app installed?

Q15: Which is safer? The Digital Driving Licence or photocard driving licence?

Q16: Can I access my Digital Driving Licence without an internet connection?

Q17: Can I use the Digital Driving Licence overseas?

Q18: I am a business owner who needs to verify the driving licence information of my staff or customer. How do I verify this information?

Q19: Are there other means to verify my driving licence status apart from using the Digital Driving Licence?

Annex

Digital Driving Licence Status

There are a total of five different statuses that may be reflected in the Digital Driving Licence

  1. Valid
  2. Invalid
  3. Expired
  4. Suspended
  5. Disqualified

[Note]: Any revoked licence class will not be reflected in the digital driving licence.

All statuses except “Valid” will reflect a Digital Driving Licence with a grey background. Please refer to more details on the various statuses below:

Valid

Invalid

Expired

Suspended

Disqualified