Typical car insurance quotes
BMW 216D Active Tourer insurance for a driver with a Certificate of Merit
Every insurer's price today for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old BMW 216D Active Tourer, private use, comprehensive cover, repairs at an authorised workshop.
Prices as of 28 Oct 2026, GST included.
In short
On 28 Oct 2026, the cheapest comprehensive car insurance for a BMW 216D Active Tourer driven by a driver with a Certificate of Merit is S$735.21 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 14 insurers quote this driver online, up to S$2,483.17 at Etiqa.
- 14 insurers quote this driver online.
- That is 5% less than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$773.90).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| HL AssuranceCar Protect360 Comprehensive | S$735.21 | S$1,200.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$811.71 | S$600.00 |
| ECICSComprehensive | S$856.17 | S$750.00 |
| AIGAIG Car Insurance Collision Only | S$874.88 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$920.71 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$974.03 | S$2,000.00 |
| MS First CapitalComprehensive | S$983.86 | S$500.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,010.14 | S$600.00 |
| SinglifeMotor Lite | S$1,084.07 | S$3,000.00 |
| ERGOSMART Comprehensive | S$1,117.58 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,367.19 | S$3,000.00 |
| UOIUniCar Comprehensive Value | S$1,415.78 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$1,738.03 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$2,483.17 | S$2,500.00 |
See this quote on the results page, with every plan and filter. Budget Direct, DirectAsia, FWD, Income quote live there with your own answers, so they are not in this table.
What would change the price
| Change | Lowest price | Difference |
|---|---|---|
| Repairs at any workshopInstead of the authorised workshop; the insurer picks from its own panel. | S$864.95 | +S$129.74 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$632.61 | −S$102.60 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$808.73 | +S$73.52 |
Why this driver pays this
- The Traffic Police's Certificate of Merit, for three years without a traffic offence, earns a small discount at some insurers. On this car the lowest price is 5% less than what the same driver without one pays (S$773.90).
- The car matters too: insurers group models by value, repair costs and claims; the BMW 216D Active Tourer has a 1,496cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
The BMW 216D Active Tourer
- Priced as a BMW 216D Active Tourer (1,496cc), registered 3 years ago.
- With a 1,496cc engine, the BMW 216D Active Tourer needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its power is 97kW (130bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more.
- Road tax: about S$681.90 a year for a 1,496cc engine, before any surcharge for a car over 10 years old.
- For a driver with a Certificate of Merit, the BMW 216D Active Tourer is the 271st cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 242nd cheapest, 11% more than the middle price of S$660.09.
- BMW 216D Active Tourer review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Sienta | S$604.07 | India International |
| Toyota Corolla Altis | S$642.42 | India International |
| Honda Freed | S$642.42 | India International |
| Mercedes-Benz GLB | S$660.13 | Allianz |
| Mazda 3 | S$693.67 | HL Assurance |
| Hyundai Kona | S$721.59 | India International |
| Mercedes-Benz C-Class | S$725.34 | Etiqa |
| Honda Vezel | S$769.79 | Allianz |
How these prices are worked out
Each price is what the insurer charges today for these answers, GST included: from the rates insurers publish or quote on their own sites, checked against their online quotes every week. Shenton Brokers is an insurance broker in Singapore and compares every insurer that quotes this driver online. Budget Direct, DirectAsia, FWD, Income quote live with your own answers on our results page, so they are not in these figures. The figures for every driver on this car are in a CSV file, updated daily.
The BMW 216D Active Tourer for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is BMW 216D Active Tourer insurance for a driver with a Certificate of Merit?
From S$735.21 a year today at HL Assurance, up to S$2,483.17 at Etiqa, across the 14 insurers that quote this driver online. That is for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old BMW 216D Active Tourer, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 5% less than the S$773.90 a 40-year-old with a 50% NCD and no claims pays for the same BMW 216D Active Tourer.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
Is this the price I will pay?
It is the price each insurer quotes online for these answers today, GST included. Your own car, its age, your record and the options you choose change it; the quote form asks for yours.