How to Pass ComGI Exam Singapore: Complete 2026 Study Guide (Commercial General Insurance)
Pass the ComGI (Commercial General Insurance) exam Singapore on your first try. Complete 2026 study guide covering all 9 chapters, 3-week study plan, and proven strategies for the SCI certification.
The ComGI exam (Commercial General Insurance) is one of the three modules under the Singapore College of Insurance's Certification in General Insurance (CGI) framework.
If you're planning to provide advice or sell commercial general insurance products in Singapore—covering everything from property and liability insurance to marine, aviation, and construction risks—this certification is mandatory.
This guide provides a complete study strategy to help you pass the ComGI exam on your first attempt.
Quick Reference: ComGI Exam Format
- Questions: 50 multiple-choice questions
- Duration: 75 minutes (1 hour 15 minutes)
- Passing Score: 70% (35 out of 50 questions)
- Exam Fee: $75–$85 (inclusive of GST)
- Administered by: SCI (Singapore College of Insurance)
- Current Edition: 7th Edition
Should You Take BCP First?
Yes. The BCP (Basic Insurance Concepts and Principles) module is the foundation for both ComGI and PGI.
SCI recommends taking BCP first because it covers:
- Insurance and reinsurance market fundamentals
- Regulatory landscape and industry frameworks
- Principles of insurance and law of contract
- Claims and ethics
If you skip BCP, you'll struggle with ComGI concepts that assume foundational knowledge. Take BCP first, then proceed to ComGI.
Understanding the ComGI Exam Structure
The ComGI exam tests your knowledge of commercial general insurance products. Here's what you're up against:
Exam Format:
- 50 multiple-choice questions in 75 minutes
- Passing score: 70% (you need at least 35 correct answers)
- Computer-based exam conducted at SCI examination centres
- Calculator allowed — check the SCI approved calculator list
For full details on the format, see our ComGI passing score and format breakdown.
The 9 Chapters You Need to Master
ComGI covers 9 chapters, each focusing on a different type of commercial insurance:
| Chapter | Topic | Question Volume |
|---|---|---|
| 1 | Property Insurance | Slightly Higher |
| 2 | Business Interruption Insurance | Medium |
| 3 | Liability And Contingency Insurance | Slightly Higher |
| 4 | Commercial Motor Insurance | Slightly Higher |
| 5 | Marine & Aviation Insurance | Medium |
| 6 | Construction, Machinery And Bond Insurance | Medium |
| 7 | Pecuniary Insurance | Medium |
| 8 | Foreign Worker Insurance | Medium |
| 9 | Group Personal Accident And Corporate Travel Insurance | Medium |
Key insight: Questions are fairly evenly distributed, but Chapters 1, 3, and 4 tend to have slightly more questions. Don't neglect any chapter, but give extra attention to Property, Liability, and Motor.
The CMFAS Prep platform provides instant feedback and explanations for each question, helping you understand the concepts better.
CMFAS Prep provides instant feedback and explanations to help you understand the concepts better
Chapter-by-Chapter Study Strategy
Chapter 1: Property Insurance
This chapter covers fire insurance, industrial all risks, and property damage policies. Key concepts:
- Standard fire policy structure and conditions
- Insurable interest and indemnity
- Average clause and co-insurance
- Policy extensions and exclusions
Focus on: Understanding the standard period of insurance (12 months), basis of settlement, and common exclusions.
Chapter 2: Business Interruption Insurance
BI insurance protects against loss of profits following insured damage. Key concepts:
- Gross profit calculation
- Indemnity period
- Payroll coverage (typically 100%)
- Increased cost of working
Focus on: Understanding that payroll is usually insured at 100% under current practice.
Chapter 3: Liability And Contingency Insurance
This covers public liability, products liability, and professional indemnity. Key concepts:
- Legal liability principles
- Policy triggers (occurrence vs. claims-made)
- Limits of indemnity
- Common exclusions
Focus on: Understanding the difference between public liability and products liability policies.
CMFAS Prep's Practice by Chapter mode helps you focus on specific chapters and master the concepts.
Chapter 4: Commercial Motor Insurance
Similar to personal motor but for commercial vehicles. Key concepts:
- Types of commercial vehicles covered
- Third-party vs. comprehensive coverage
- Fleet policies
- No-claim discount structures
Chapter 5: Marine & Aviation Insurance
Covers cargo, hull, and aviation risks. Key concepts:
- Institute Cargo Clauses (A, B, C)
- Marine hull insurance
- Aviation liability
Chapter 6: Construction, Machinery And Bond Insurance
Key concepts:
- Contractors' All Risks (CAR)
- Erection All Risks (EAR)
- Machinery breakdown
- Bonds and counter-guarantors — parties who guarantee to reimburse the insurer
Chapter 7: Pecuniary Insurance
Covers fidelity guarantee, credit insurance, and similar products. Key concepts:
- Fidelity guarantee insurance
- Credit insurance
- Defaulting employee's money — amounts retained must be deducted from claims
Chapter 8: Foreign Worker Insurance
Covers medical expenses and personal accident for foreign workers.
Chapter 9: Group Personal Accident And Corporate Travel Insurance
Covers group PA and corporate travel policies.
Your 3-Week Study Plan
Week 1: Foundation Chapters (1-3)
- Chapter 1: Property Insurance (high volume)
- Chapter 2: Business Interruption Insurance
- Chapter 3: Liability Insurance (high volume)
Start with the heavy-hitters. These chapters are interconnected—property damage often leads to business interruption claims.
Week 2: Commercial Lines (4-6)
- Chapter 4: Commercial Motor Insurance (high volume)
- Chapter 5: Marine & Aviation Insurance
- Chapter 6: Construction and Bonds
CMFAS Prep's performance by chapter feature shows you your weakest chapters after every practice.
Week 3: Specialty Lines & Review (7-9 + Mock Exams)
- Chapter 7: Pecuniary Insurance
- Chapter 8: Foreign Worker Insurance
- Chapter 9: Group PA and Corporate Travel
- Take 2-3 full mock exams
Pro Tip: Practice with Real Questions
ComGI questions test practical knowledge of policy terms and conditions. Reading notes isn't enough—you need to practice with exam-style questions to understand how concepts are tested.
The AI Recommendation Engine in CMFAS Prep creates personalized quizzes based on your weakest areas after every mock exam.
Exam Day Tips
Time Management
You have 75 minutes for 50 questions—that's 1.5 minutes per question. This is manageable, but don't spend too long on any single question.
Read Questions Carefully
ComGI questions often test specific policy terms. Pay attention to words like "usually," "typically," "must," and "shall."
Use Your Calculator
Calculations may appear in Business Interruption or property valuation questions. Bring an approved calculator and know how to use it.
What Products Does ComGI Cover?
After passing ComGI (along with BCP), you'll be certified to advise on and sell:
- Property Insurance & Business Interruption Insurance
- Liability Insurance
- Commercial Motor Insurance
- Marine and Aviation Insurance
- Construction and Engineering Insurance
- Pecuniary Insurance
- Insurance Bonds
- Foreign Worker Insurance
- Group Personal Accident Insurance
Your Next Steps
- Understand the format — Read our ComGI passing score and exam format guide
- Test yourself — Try our free ComGI sample questions
- Start practicing — Begin your ComGI preparation with CMFAS Prep
- Register for the exam — Book your slot on the SCI website
Good luck with your ComGI exam!
Frequently Asked Questions About ComGI Exam
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By The CMFAS Prep Team
Singapore's leading insurance exam preparation platform, helping thousands of candidates pass their certification exams on the first try.
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