Buying insurance online in Singapore? Use Etiqa referral code R180368 at checkout and you’ll shave an extra 5% off your first online purchase — on top of whatever sitewide promotion Etiqa is already running. It works for Singapore citizens, PRs and Work Pass holders, and it applies to popular policies like Tiq Travel, Private Car, Maid, Personal Accident, Pet and Home Insurance.
What is Etiqa and Why Use It
Etiqa Insurance Pte. Ltd. is a licensed life and general insurer in Singapore, regulated by the Monetary Authority of Singapore (MAS) and part of the Maybank Group. Tiq is Etiqa’s digital arm — the website and app where you buy policies directly without going through an agent, which is why the pricing tends to undercut the traditional players.
In 2026, Etiqa remains one of the few insurers in Singapore offering:
- Tiq Travel Insurance with automatic flight-delay payouts after just 3 hours (versus the 6-hour industry norm).
- Pet Insurance covering vet bills for cats and dogs — still rare in the local market.
- Tiq Invest, an investment-linked policy with low fees, ideal for hands-off investors.
- Private Car & Motorcycle plans that consistently price well against Direct Asia and FWD.
The catch with direct-to-consumer insurers is that you have to do the comparison work yourself. The referral code system is how Etiqa rewards you for that.
Etiqa Referral Code: R180368 — What You Get
When you apply R180368 at checkout, you receive an additional 5% discount on the premium of your first online insurance purchase with Etiqa. This is stacked on top of the prevailing promotional discount.
A worked example: if Tiq Travel Insurance is running a 45% off promo (which it frequently does), the referral code applies the 5% on the already-discounted price. You end up paying noticeably less than the headline rate.
The 5% referral discount currently applies to:
- Tiq Travel Insurance
- Private Car Insurance
- ePROTECT motorcycle
- Tiq Maid Insurance
- Tiq Personal Accident
- Pet Insurance
- Tiq Home Insurance (enter under “Referral Code” field)
For life and savings products — ePROTECT term life, Cancer Insurance, DIRECT Etiqa term/whole life, Tiq Invest, 3 Plus Critical Illness, Tiq CashSaver — the code is still accepted but the discount sits with the referrer (TiqConnect eWallet credit), not the new customer. So for those products, the code is more of a “thanks to the referrer” gesture than direct savings for you.
How to Use the Etiqa Referral Code (Step-by-Step)
The process is genuinely fast — under 10 minutes for a travel policy if you have your passport details ready.
- Go to tiq.com.sg and pick the insurance product you want. No app download required — everything runs in the browser.
- Get a quote. Fill in your travel dates, vehicle details, or coverage period depending on the product.
- Proceed to the payment / checkout page.
- Enter the referral code R180368
- Confirm the discount is showing in the price summary before you pay. The 5% comes off after the prevailing promo discount has been applied.
- Pay via credit/debit card or PayNow. Your policy document arrives by email almost immediately for general insurance.
If the discount field doesn’t update, refresh the page and re-enter the code — it sometimes needs a moment to validate.
Eligibility & Terms You Should Know
Being upfront here saves you a wasted checkout:
- New customers only. The referral discount applies to your first online purchase with Etiqa. If you’ve bought from Tiq before under the same NRIC, the code won’t unlock the 5%.
- Residency. You must be a Singapore citizen, Singapore PR, or a foreigner with a valid Work Pass.
- Not stackable with other promo codes. The referral code stacks only with Etiqa’s prevailing premium discount (e.g. the seasonal travel promo). It won’t combine with separate coupon codes, staff discounts or other privileges.
- Renewals don’t count. This is for first-time policies, not policy renewals.
- 5% is applied after the main promo. So on a 25% prevailing discount, the maths is
price × 0.75 × 0.95, not a flat 30% off.
For the full T&Cs, the official document lives on Etiqa’s site: tiq.com.sg/promotion/refer-and-earn.
Is the Etiqa Referral Bonus Worth It?
Honestly — yes, if you were going to buy from Etiqa anyway. There’s no downside: no minimum spend, no clawback, no commitment beyond the policy you’re already buying.
A few realistic scenarios:
- Tiq Travel Insurance for a $1,000 family trip premium (after the 45% promo, say it’s around $80): the 5% saves you about $4. Small in isolation, but you didn’t have to do anything to earn it.
- Private Car Insurance at $1,200/year: the 5% trims around $60 off — a meaningful saving when you’re already paying four figures.
- Tiq Maid Insurance at $300: the 5% saves $15, which covers a bowl of laksa at Newton with change to spare.
How to Share Your Own Etiqa Referral Code
Once you’ve bought your first policy with R180368, you become eligible to refer others and earn TiqConnect eWallet credits yourself.
Here’s how:
- Log in to TiqConnect at etiqa.com.sg/LoginPortal using the email you registered with.
- Navigate to “Refer & Earn” in your dashboard.
- Copy your personalised referral code (it’ll start with “R” followed by digits — same format as R180368).
- Share it. Send it to friends, post it on Seedly, or list it on referral aggregator sites.
Your earnings per successful referral, per the official Etiqa rate card:
- Tiq Travel: S$10
- Tiq Home: S$15
- ePROTECT motorcycle, Tiq Personal Accident, Pet Insurance: S$20
- Private Car Insurance, Tiq Maid: S$30
- Term Life, Whole Life, Cancer, Tiq Invest, 3 Plus Critical Illness, Tiq CashSaver: S$50
Credits land in your TiqConnect eWallet within 5 business days for general insurance (after free-look), or up to 4 weeks for life and cancer policies. You can use the credits to buy more Etiqa products, or withdraw via PayNow (NRIC) — handy if you just want the cash.
FAQ
Can I use the Etiqa referral code if I already have an account?
No. The 5% referral discount is strictly for first-time online purchases under your NRIC. If you’ve previously bought any Etiqa or Tiq policy online, the code won’t trigger the discount on your next purchase. It will still credit the referrer, though.
How long does the Etiqa sign-up bonus take to credit?
You see the 5% discount immediately at checkout — there’s no waiting period for the new customer benefit. If you’re the referrer earning eWallet credit, it’s credited within 5 business days for general insurance and within 4 weeks for life/cancer policies, both after the free-look period ends.
Can I stack the Etiqa referral code with other discount codes?
No. The referral code stacks only with Etiqa’s prevailing on-going premium discount (the seasonal sitewide promo). You cannot combine it with separate coupon codes, staff discounts, or other promotional codes from third-party sites.
What’s the difference between Etiqa and Tiq?
Etiqa Insurance Pte. Ltd. is the parent company, regulated by MAS. Tiq is Etiqa’s digital channel — the same insurer, but the online buying interface. Policies bought via Tiq are underwritten by Etiqa and are protected under the Policy Owners’ Protection Scheme administered by the SDIC.
Can I withdraw my Etiqa referral earnings to my bank account?
Yes. TiqConnect eWallet credits can be withdrawn via PayNow linked to your NRIC, or used to offset future Etiqa policy purchases. There’s no expiry pressure on the credits once they’re in your wallet.
Ready to Lock in the Extra 5%?
If you’re already planning to buy from Etiqa — whether it’s travel cover for the next Bangkok trip, car insurance renewal, or your first Tiq Invest contribution — there’s no reason not to apply the code. It costs you nothing, it stacks with the prevailing promo, and the savings are real.
