Looking for a Tiq referral code to save more on your next insurance purchase in Singapore?
Use this Tiq referral code when you buy online to enjoy additional savings on eligible Tiq insurance plans in Singapore:
Tiq Referral Code: R472344
Enter this code when getting a quote on Tiq’s website to unlock extra discounts on top of Tiq’s ongoing promotions (for first‑time Tiq customers and eligible products).
What Is Tiq and Why Use a Tiq Referral Code?
Tiq is the digital channel of Etiqa Insurance Singapore, an award‑winning insurer backed by Maybank Group.
They focus on making insurance easy to buy online, with fast claims and transparent coverage across travel, car, home, personal accident, and more.
By using our Tiq referral code ‘R472344’ together with Tiq’s promo code when you buy directly on Tiq’s website, you enjoy an additional discount on your premium on top of Tiq’s ongoing promotions, while we earn a small reward from Tiq’s Refer and Earn campaign.
How the Tiq Refer and Earn Referral Program Works
Tiq runs a Refer and Earn campaign that rewards both the existing customer (referrer) and the new customer (referee).
Here's the basic flow:
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SGinvestors.io (the referrer) shares our unique Tiq referral code ‘R472344’ with you.
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You (the referee) enter the referral code ‘R472344’ when getting your quotes for your first eligible Tiq policy online at tiq.com.sg.
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Tiq applies the referral code and provides a further discount on your premium, on top of any ongoing promotions.
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You review the policy and complete your purchase online.
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Tiq credits us (the referrer) with a referral fee after your successful purchase.
You get instant savings while Tiq pays the referral reward out of their marketing budget - there is no markup or hidden charge for you.
Which Tiq Products Can Use a Referral Code?
According to Tiq’s Refer and Earn campaign terms, applying Tiq referral code ‘R472344’ can earn you an additional 5% off the premiums when you purchase the following insurance products directly at Tiq’s website:
- Tiq Travel Insurance
- Private Car Insurance
- ePROTECT motorcycle
- Tiq Maid Insurance
- Tiq Personal Accident
- Tiq Pet Insurance
- Tiq Home Insurance
Note that the additional discount is on top of ongoing premium discounts and is applied to the discounted premium after any existing promo or campaign discount shown by Tiq.
We verified and validated the additional discounts from applying Tiq referral code ‘R472344’ for each of the products on 15 March 2026, as shown below.
Tiq Travel Insurance
For Tiq’s travel insurance, applying the ongoing campaign promo code 'TIQ55' earns you a 55% discount on the premiums. Applying Tiq referral code 'R472344' earns you a 57% discount (and the promo code is updated to 'TIQREFERRAL' automatically, as shown above).
Private Car Insurance
For Tiq’s car insurance, applying the ongoing campaign coupon code 'TIQCAR20' earns you a 20% discount on the premiums. Applying Tiq referral code 'R472344' earns you a 24% discount (and the coupon code is updated to 'TIQREFERRAL' automatically, as shown above).
ePROTECT motorcycle
For Tiq’s ePROTECT motorcycle insurance, applying the ongoing campaign coupon code 'BIKE10' earns you a 10% discount on the premiums. Applying Tiq referral code 'R472344' earns you a 14% discount (and the coupon code is updated to 'TIQREFERRAL' automatically, as shown above).
Tiq Maid Insurance
For Tiq’s maid insurance, applying the ongoing campaign coupon code 'TIQMAID35' earns you a 35% discount on the premiums. Applying Tiq referral code 'R472344' earns you a 48% discount (and the coupon code is updated to 'TIQREFERRAL' automatically, as shown above).
Tiq Personal Accident
For Tiq’s personal accident insurance, applying the ongoing campaign coupon code 'PA30' earns you a 30% discount on the premiums. Applying Tiq referral code 'R472344' earns you a 39% discount (and the coupon code is updated to 'TIQREFERRAL' automatically, as shown above).
Tiq Pet Insurance
For Tiq’s pet insurance, there is no ongoing promotion currently. Applying Tiq referral code 'R472344' earns you a 14% discount on the premiums (and the coupon code is updated to 'TIQREFERRAL' automatically, as shown above).
Tiq Home Insurance
For Tiq’s home insurance, applying the ongoing campaign promo code 'SAFEHOME20' earns you a 20% discount on the premiums. Applying Tiq referral code 'R472344' earns you a 29% discount (and the promo code is updated to 'TIQREFERRAL' automatically, as shown above).
Always refer to the latest Tiq promotion page or policy documents for the most current list and percentages, as promotions and eligible products can change over time.
Step‑by‑Step: How to Use a Tiq Referral Code
Using a Tiq referral code only takes a few seconds at checkout.
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Visit Tiq’s official website
Go to tiq.com.sg and choose the insurance product you want (for example, Tiq Travel Insurance or Tiq Home Insurance). -
Get a quote
Enter your trip details, car or home information, and any other required details to generate a quote. -
Enter the Tiq Referral Code: R472344
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Look for the "Referral Code" or "Promo Code" field on the purchase or checkout page.
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Key in the referral code exactly as shown (case‑sensitive if specified by Tiq).
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Check that the discount is applied
After entering the code, confirm that the additional discount is reflected in the total premium before you proceed to payment. -
Complete your purchase online
Fill in your personal details and pay securely on Tiq’s website; your policy documents will typically be emailed to you after the purchase is successful.
If you skip the referral code field or forget to enter it, Tiq will not be able to apply the referral discount after the transaction is completed.
Important Eligibility and Terms to Know
To keep things transparent, here are some key points summarised from Tiq’s official Refer and Earn terms and conditions, explained in user‑friendly language.
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New customer for referral discount
The referral discount is generally meant for customers purchasing their first policy for an eligible product with Tiq. -
Campaign period
Tiq’s Refer and Earn campaign is usually valid for a stated period (for example, 1 January 2026 to 31 December 2026 in a recent version of the terms), and Tiq may update or extend it over time. -
Not always stackable with every promo
The referral program may not be valid together with certain specific promotions, coupons or staff discounts, unless Tiq states otherwise, so always check the latest notes on the Tiq promotion page. -
Tiq’s final decision
Tiq reserves the right to verify eligibility and can withhold or claw back the referral fee or discount if the terms are not met.
For full legal details and the most recent updates, you should always refer directly to the official Refer and Earn terms and Tiq’s promotion pages on tiq.com.sg.
Frequently Asked Questions on Tiq Referral Code
1. Is the Tiq referral code the same as a promo code or coupon code?
Not exactly, but they work similarly. For some products, the field is labelled "Referral Code", while for others it is "Promo Code" or "Coupon Code", and you key in the same code shared by the referrer.
2. Can I use the Tiq referral code if I already have a Tiq policy?
The referral discount is generally targeted at customers buying their first policy for an eligible product, so existing customers may not always qualify for the extra discount, although they can still become referrers themselves.
3. Do I still get Tiq’s main promotion if I use a referral code?
In many cases, yes; the referral discount is applied on top of ongoing premium discounts, but certain special campaigns may have their own rules, so always check the latest promo details on Tiq’s site.
4. Is it safe to buy Tiq insurance online with a referral code?
Yes; you are buying directly from Tiq’s official website, which is regulated in Singapore, and the referral code just applies additional discounts and rewards under Tiq’s campaign.
Use This Tiq Referral Code for Your Next Policy
If you are planning to buy Tiq Travel Insurance, Home Insurance, Car Insurance or other eligible plans, using a Tiq referral code is one of the easiest ways to save more on your premium.
When you are ready to purchase, simply enter:
Tiq Referral Code: R472344
in the Promo Code or Referral Code field at checkout on tiq.com.sg and enjoy your additional discount if you are eligible under Tiq’s latest Refer and Earn campaign.