Bubblegum
Bubblegum was a Singapore-based digital insurance broker offering car, travel, and personal accident coverage directly to consumers via website and mobile app, operated by MoneySmart Financial Pte Ltd. Products were withdrawn from sale on 1 November 2025.
- Company typePrivate
- Founded-
- HeadquartersSingapore, Singapore, Singapore
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Bubblegum does
Bubblegum was a Singapore-based digital insurance broker operated by MoneySmart Financial Pte Ltd (UEN: 201632110Z), a Registered Insurance Broker and Exempt Financial Adviser licensed by the Monetary Authority of Singapore. The brand offered general insurance products directly to Singapore consumers via its website (bubblegum.co) and a native mobile application available on iOS and Android, with all policy purchase and management conducted self-serve online and no physical agent distribution. Target customers were individual policyholders including Singapore car owners, leisure and business travelers, and adults aged 18-65 seeking personal accident coverage.
The product portfolio comprised three core lines: Car Insurance underwritten by India International Insurance Pte Ltd (iii), notable for bundling an Engine & Gearbox Warranty benefit valued at up to $450 standalone into the comprehensive tier; Travel Insurance underwritten by Starr Insurance Companies, covering Southeast Asia, Asia Pacific, and Worldwide destinations with single-trip coverage up to 180 days; and Personal Accident Insurance underwritten by Allianz, priced by occupation class. The technology platform integrated Singapore's national digital identity infrastructure (Singpass and MyInfo) for automated authentication and dynamic quote generation, supported a 24-hour accident helpline operated by JP Knights, and offered WhatsApp-based customer support.
Revenue was generated via standard broker commissions on policies underwritten by iii, Starr, and Allianz, with annual billing cadences and dynamically priced quotes based on vehicle details, driver profile, and coverage selections. On 1 November 2025, MoneySmart formally withdrew Bubblegum products from sale and suspended the mobile app due to changes in market conditions and rising operational costs; existing policies remain valid until expiration, with MoneySmart Financial Pte Ltd continuing to operate as a regulated insurance broker and redirecting car insurance renewals to its moneysmart.sg platform.
Bubblegum firmographics
Firmographics- Name
- Bubblegum
- Legal name
- MoneySmart Financial Pte Ltd
- Website
- https://bubblegum.co
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Bubblegum was a Singapore-based digital insurance broker offering car, travel, and personal accident coverage directly to consumers via website and mobile app, operated by MoneySmart Financial Pte Ltd. Products were withdrawn from sale on 1 November 2025.
- Ownership category
- akta.pro rank
Where Bubblegum is headquartered
LocationHeadquarters
- HQ city
- Singapore, Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices1 record
Markets served
Bubblegum business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Marketing or Sales, Personnel, Others
Revenue model
- Insurance Commission: MoneySmart is paid a commission by insurance companies for the insurance products sold through the Bubblegum platform. This is a standard broker commission model where the underwriter pays a percentage of the premium to the distribution partner.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Car Insurance - Comprehensive + Warranty |
| One time/ perpetual license | Annual | Named Driver Addition |
| Subscription | Annual | Any Workshop Option |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Bubblegum product offering
Product offeringCore offering
Bubblegum is a Singapore-based digital insurance brand that distributes general insurance products—car insurance, travel insurance, and personal accident insurance—directly to consumers through its website and mobile app. The brand operated as a licensed insurance broker intermediating between customers and underwriters (India International Insurance for car, Starr Insurance for travel, and Allianz for personal accident), earning commissions on policies sold. Its car insurance product notably bundles an Engine & Gearbox Warranty Benefit at no additional cost. The brand was discontinued on 1 November 2025.
Product overview
Bubblegum was a suite of General Insurance products offered by MoneySmart Financial Pte Ltd, a Singapore-based Registered Insurance Broker and Exempt Financial Adviser. The portfolio comprised three core insurance products — Car Insurance (underwritten by India International Insurance), Travel Insurance, and Personal Accident Insurance (underwritten by Allianz) — sold through a web platform and mobile app. Products were distributed exclusively online with Singpass/MyInfo integration for streamlined digital onboarding. Bubblegum's Car Insurance notably bundled an Engine & Gearbox Warranty Benefit as an add-on option. The brand was withdrawn from the market effective 1 November 2025, with all existing policies supported until expiry.
Differentiator
Problem solved
Functional benefit
Products and services
- Bubblegum Car Insurance Comprehensive car insurance underwritten by India International Insurance Pte Ltd, bundling standard motor accident coverage with an optional Engine & Gearbox Warranty Benefit. Offers coverage tiers including Comprehensive + Warranty, Comprehensive, Third Party Fire & Theft, and Third Party Only, with vehicle age limits of up to 20 years depending on plan.
- Bubblegum Travel Insurance Single-trip travel insurance underwritten by Starr Insurance Companies covering medical, trip, baggage, and COVID-19-related expenses. Available in three geographic tiers—Southeast Asia, Asia Pacific, and Worldwide—with a maximum coverage period of 180 consecutive calendar days per trip.
- Bubblegum Personal Accident Insurance Personal accident insurance underwritten by Allianz covering accidental death, disablement, and medical benefits. Priced by occupation class (Non-Manual or Manual), covering adults aged 18–65 (renewable up to 80), with optional coverage for up to 10 children aged 30 days to 18 years (or 24 for full-time students).
- Bubblegum Mobile App A mobile application available on iOS (App Store) and Android (Google Play) that allowed users to manage their insurance policies, access account details, view current and past policies, receive exclusive promotions, and update preferences from their phone.
Quantifiable outcome
- Engine and gearbox warranty coverage included at fraction of cost (normally up to $450 standalone)
Companies that use Bubblegum
Customer profileSegments3 records
Ideal customer profiles3 records
Bubblegum technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Bubblegum partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- India International Insurance Pte Ltd (iii)coreIndia International Insurance Pte Ltd is the underwriting partner for Bubblegum Car Insurance products. They are a licensed insurance company operating in Singapore since 1987. iii underwrites the motor insurance policies and handles claims processing in partnership with Bubblegum.
- Starr Insurance CompaniescoreStarr Insurance provides the travel insurance products offered through Bubblegum. Starr underwrites single-trip travel insurance policies covering destinations in Southeast Asia, Asia Pacific, and Worldwide with maximum coverage period of 180 days per trip.
- AllianzcoreAllianz provides personal accident insurance products through Bubblegum. Coverage includes accidental death, disablement, and medical benefits for individuals aged 18-65 (renewable up to 80 years) with premiums based on occupation class (Non-Manual or Manual).
- MoneySmart Group CompaniescoreBubblegum is a brand under MoneySmart Financial Pte Ltd, part of the MoneySmart Group which includes Catapult Ventures Pte Ltd, MoneySmart Singapore Pte Ltd, MoneySmart Hong Kong Ltd, and MoneySmart HK Financial Ltd. The Group operates financial comparison platforms across Singapore, Hong Kong, Taiwan, and the Philippines.
Scale indicators1 record
Recent moves7 records
Expansion highlights4 records
Bubblegum competitors and assessment
Company assessmentEmerging players
- StashAway: Singapore-based digital financial services platform offering insurance products alongside investment and savings products. Comparable as a venture-backed digital financial distribution model in Singapore.
- Grab Insurance: Embedded insurance offering distributed within the Grab super-app in Singapore, including travel and accident coverage. Represents a competing digital distribution model for similar insurance products.
Direct peers
- Singlife: Singapore-headquartered digital insurance company offering direct life, health, and accident products via a mobile-first platform. Highly comparable as a digital-native insurance distributor targeting Singapore consumers.
- FWD Singapore: Singapore arm of FWD Group, offering direct digital life, health, and accident insurance products. Competes with Bubblegum's personal accident and travel insurance products using a similar digital-first approach.
- GoBear (Singapore): Insurance and financial product comparison platform operating across Southeast Asia including Singapore. Overlaps with Bubblegum's digital insurance aggregator and broker positioning.
- DirectAsia Insurance: Singapore-based direct-to-consumer online insurance provider offering car, travel, and personal accident insurance. Directly competes with Bubblegum in the same digital-first motor and general insurance categories in Singapore.
Broad incumbents
- MoneySmart Singapore: Bubblegum's parent-run financial comparison platform that insurance customers are now being redirected to. Operates as a broader insurance and financial product aggregator in Singapore.
- Etiqa Insurance Singapore: Established Singapore insurer offering motor, travel, and personal accident products through both traditional and digital channels (including Tiq). Overlaps directly with Bubblegum's product portfolio.
- Income Insurance (NTUC Income): One of Singapore's largest composite insurers with a broad portfolio including motor, travel, and personal accident coverage. Operates an established digital distribution channel and competes head-on with Bubblegum's product set.
- MSIG Singapore: Major general insurer in Singapore with motor, travel, and personal accident lines. Provides a direct-underwriter alternative to the broker-led Bubblegum approach.
Market position
Strengths3 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights5 records
Customer concentration
Bubblegum social profiles
Digital presenceBubblegum compliance and trust
Trust signalCompliance1 record
Bubblegum financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bubblegum leadership team
Management profileNumber of profiles
Bubblegum funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bubblegum M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bubblegum
What does Bubblegum do?
Bubblegum is a Singapore-based digital insurance brand that distributes general insurance products—car insurance, travel insurance, and personal accident insurance—directly to consumers through its website and mobile app. The brand operated as a licensed insurance broker intermediating between customers and underwriters (India International Insurance for car, Starr Insurance for travel, and Allianz for personal accident), earning commissions on policies sold. Its car insurance product notably bundles an Engine & Gearbox Warranty Benefit at no additional cost. The brand was discontinued on 1 November 2025.
Is Bubblegum a public or private company?
Bubblegum is a private company. It is classified as corporate owned and is currently operating.
When was Bubblegum founded?
Bubblegum was founded in -1. It employs 1 to 10 people.
Where is Bubblegum based?
Bubblegum is headquartered in Singapore, Singapore, Singapore, in the Asia region.
How does Bubblegum make money?
One revenue line is on record: insurance Commission.
Who are Bubblegum's main competitors?
Emerging players on record are StashAway and Grab Insurance. Direct peers are Singlife, FWD Singapore, GoBear (Singapore) and DirectAsia Insurance. Broad incumbents are MoneySmart Singapore, Etiqa Insurance Singapore, Income Insurance (NTUC Income) and MSIG Singapore.
Does Bubblegum have an API?
No public API is recorded for Bubblegum.