Typical car insurance quotes
BMW 216D Gran Tourer insurance for a 40-year-old who works outdoors
Every insurer's price today for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, on a 3-year-old BMW 216D Gran 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 Gran Tourer driven by a 40-year-old who works outdoors is S$856.17 a year (GST included) at ECICS, Comprehensive; 13 insurers quote this driver online, up to S$2,964.72 at Etiqa.
- 13 insurers quote this driver online; 1 do not.
- That is 11% more 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 |
|---|---|---|
| ECICSComprehensive | S$856.17 | S$750.00 |
| HL AssuranceCar Protect360 Comprehensive | S$859.02 | S$1,200.00 |
| AIGAIG Car Insurance Collision Only | S$902.07 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$937.07 | S$600.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$977.95 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$979.88 | S$2,000.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,010.14 | S$600.00 |
| ERGOSMART Comprehensive | S$1,117.58 | S$500.00 |
| MS First CapitalComprehensive | S$1,140.54 | S$500.00 |
| UOIUniCar Comprehensive Value | S$1,231.87 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,629.54 | S$3,000.00 |
| LibertyComprehensive Preferred Plan | S$1,919.84 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$2,964.72 | S$2,500.00 |
No online price for this driver: Singlife (This insurer has no online price for this car model yet).
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$1,010.62 | +S$154.45 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$730.21 | −S$125.96 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$856.17 | the same |
Why this driver pays this
- Some insurers load drivers whose work is outdoors (driving, site or field work), who are on the road more. On this car the lowest price is 11% more than what the same driver with an office job pays (S$773.90).
- The car matters too: insurers group models by value, repair costs and claims; the BMW 216D Gran Tourer has a 1,496cc engine.
- 1 insurer does not quote this driver online on this car: Singlife (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and ECICS has been cheapest throughout.
The BMW 216D Gran Tourer
- Priced as a BMW 216D Gran Tourer (1,496cc), registered 3 years ago.
- With a 1,496cc engine, the BMW 216D Gran 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 40-year-old who works outdoors, the BMW 216D Gran Tourer is the 360th cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 292nd cheapest, 16% more than the middle price of S$738.45.
- BMW 216D Gran Tourer review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mercedes-Benz GLB | S$664.09 | Allianz |
| Toyota Sienta | S$700.28 | India International |
| Toyota Corolla Altis | S$738.45 | AIG |
| Honda Freed | S$742.90 | India International |
| Honda Vezel | S$774.41 | Allianz |
| Mazda 3 | S$810.49 | HL Assurance |
| Mercedes-Benz C-Class | S$822.60 | ECICS |
| Hyundai Kona | S$836.07 | India International |
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 Gran Tourer for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is BMW 216D Gran Tourer insurance for a 40-year-old who works outdoors?
From S$856.17 a year today at ECICS, up to S$2,964.72 at Etiqa, across the 13 insurers that quote this driver online. That is for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, on a 3-year-old BMW 216D Gran Tourer, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 11% more than the S$773.90 a 40-year-old with a 50% NCD and no claims pays for the same BMW 216D Gran Tourer.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and ECICS has been cheapest throughout.
Which insurers do not quote a 40-year-old who works outdoors for a BMW 216D Gran Tourer online?
Singlife (This insurer has no online price for this car model yet).
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.