Typical car insurance quotes
BMW 730d insurance for a driver with demerit points
Every insurer's price today for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old BMW 730d, 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 730d driven by a driver with demerit points is S$1,115.28 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 2 insurers quote this driver online, up to S$2,062.16 at QBE.
- 2 insurers quote this driver online; 12 do not.
- That is about the same as what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,115.28).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| HL AssuranceCar Protect360 Comprehensive | S$1,115.28 | S$1,200.00 |
| QBEPrivate Motor Prestige Comprehensive | S$2,062.16 | S$3,000.00 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); Allianz (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); Great Eastern (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); MS First Capital (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer has no online price for this car model yet); UOI (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$1,312.09 | +S$196.81 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,226.80 | +S$111.52 |
Why this driver pays this
- Demerit points on the licence are a loading at some insurers and a reason to decline at others. On this car the lowest price is about the same as what the same driver with none pays (S$1,115.28).
- The car matters too: insurers group models by value, repair costs and claims; the BMW 730d has a 2,993cc engine.
- 12 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); Allianz (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); Great Eastern (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); MS First Capital (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer has no online price for this car model yet); UOI (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
The BMW 730d
- Priced as a BMW 730d (2,993cc), registered 3 years ago.
- With a 2,993cc engine, above 1,600cc, the BMW 730d needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$2,376.88 a year for a 2,993cc engine, before any surcharge for a car over 10 years old.
- For a driver with demerit points, the BMW 730d is the 550th cheapest of 590 car models to insure. Among 97 cars above 2,000cc it is 69th cheapest, 13% more than the middle price of S$982.82.
- BMW 730d review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Infiniti Q60 | S$1,191.38 | Great Eastern |
| Audi Q7 | S$1,209.34 | HL Assurance |
| Audi S4 Saloon | S$1,209.34 | HL Assurance |
| Audi S5 | S$1,209.34 | HL Assurance |
| Audi S5 SPRTback | S$1,209.34 | HL Assurance |
| Audi SQ5 | S$1,210.01 | MS First Capital |
| Infiniti Infiniti | S$1,283.64 | UOI |
| Jaguar F-PACE R-SPORT | S$1,394.04 | Sompo |
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 730d for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is BMW 730d insurance for a driver with demerit points?
From S$1,115.28 a year today at HL Assurance, up to S$2,062.16 at QBE, across the 2 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old BMW 730d, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is about the same as the S$1,115.28 a 40-year-old with a 50% NCD and no claims pays for the same BMW 730d.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
Which insurers do not quote a driver with demerit points for a BMW 730d online?
AIG (This insurer has no online price for this car model yet); Allianz (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); Great Eastern (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); MS First Capital (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer has no online price for this car model yet); UOI (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.