Which car insurer is the worst and which is the best when it comes to claims?

It will be a breeze with any car insurer if your claim is straightforward without complexities (such as having carcam proof), but it will be a nightmare with any car insurer if your claim is difficult to proof. Most of the time its with the claimant that creates the trouble rather than the insurer.

Speak to a few friends on their experiences with their commercial car insurance policies. Try to find friends who've filed claims. You can also look at some online car forums in SG.

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When in doubt, go with well-known & reputable insurers like DirectAsia or NTUC.