Typical car insurance quotes
BMW i5 insurance for a driver with two claims
Every insurer's price today for a driver aged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left, on a 3-year-old BMW i5 eDrive40 81.2 kWh, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a BMW i5 driven by a driver with two claims is S$15,805.24 a year (GST included) at Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop); it is the only insurer that quotes this driver online.
Compare every insurer we price for a BMW i5 on one page: https://shentonbrokers.com/prices/car/bmw-i5
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/bmw-i5/age-40-two-claims
Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
- 1 insurer quotes this driver online; 14 do not.
- That is 12.8 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,233.19).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$15,805.24 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); Great Eastern (This insurer's online price is for drivers with up to one claim in the last 3 years); HL Assurance (This insurer has no online price for this car model yet); India International (This insurer has no online price for electric cars); Liberty (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote electric cars online); QBE (This insurer has no online price for this car model yet); Sompo (This insurer's online price is for drivers with no claims in the last 3 years); 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, FWD, Income, MSIG 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$19,443.66 | +S$3,638.42 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$6,395.28 | −S$9,409.96 |
Why this driver pays this
- 2 at-fault claims in the last three years took the whole no-claim discount away, and many insurers add a claims loading as well, for three years. On this car the lowest price is 12.8 times what the same driver with no claims and a 50% NCD pays (S$1,233.19).
- The BMW i5 is electric: repairs and parts cost more at some insurers, so they price electric cars higher than petrol cars of the same size.
- 14 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's online price is for drivers with no claims in the last 3 years); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); Great Eastern (This insurer's online price is for drivers with up to one claim in the last 3 years); HL Assurance (This insurer has no online price for this car model yet); India International (This insurer has no online price for electric cars); Liberty (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote electric cars online); QBE (This insurer has no online price for this car model yet); Sompo (This insurer's online price is for drivers with no claims in the last 3 years); UOI (This insurer has no online price for this car model yet).
Price history
Since 2 Nov 2026 the lowest price is unchanged, and Etiqa has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$15,805.24 | Etiqa |
| A week ago 5 Nov 2026 | S$15,805.24 | Etiqa |
The BMW i5
- Priced as a BMW i5 eDrive40 81.2 kWh (electric), registered 3 years ago.
- A fully electric BMW i5 needs a Category A COE (S$139,001 in the November 2026, 1st round) if its motor is 110kW (147bhp) or less, and a Category B COE (S$132,334 in the November 2026, 1st round) if it is more powerful.
- For a driver with two claims, the BMW i5 is the 793rd cheapest of 801 car models to insure. Among 78 electric cars it is 73rd cheapest, 3.7 times the middle price of S$4,303.09.
- BMW i5 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| BYD Dolphin | S$2,164.13 | ECICS |
| BYD M6 | S$2,736.23 | ECICS |
| Tesla Model 3 | S$2,902.06 | ECICS |
| BYD Atto 3 | S$2,902.08 | ECICS |
| Tesla Model Y | S$2,984.98 | ECICS |
| Hyundai Ioniq 5 | S$3,119.96 | Etiqa |
| Aion V | S$4,890.88 | Singlife |
| BYD Sealion 7 | S$10,931.93 | Etiqa |
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, FWD, Income, MSIG 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 i5 for every driver · Other cars for this driver · Compare with your own details.
Buy Now addresses
Each insurer listed here, at its lowest price on this page.
- Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop): https://www.tiq.com.sg/buy-online/car-insurance/quotation/?referral=A501895
Questions people ask
How much is BMW i5 insurance for a driver with two claims?
From S$15,805.24 a year today at Etiqa, across the 1 insurer that quote this driver online. That is for a driver aged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left, on a 3-year-old BMW i5 eDrive40 81.2 kWh, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 12.8 times the S$1,233.19 a 40-year-old with a 50% NCD and no claims pays for the same BMW i5.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and Etiqa has been cheapest throughout.
Which insurers do not quote a driver with two claims for a BMW i5 online?
AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); Great Eastern (This insurer's online price is for drivers with up to one claim in the last 3 years); HL Assurance (This insurer has no online price for this car model yet); India International (This insurer has no online price for electric cars); Liberty (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote electric cars online); QBE (This insurer has no online price for this car model yet); Sompo (This insurer's online price is for drivers with no claims in the last 3 years); 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.