Typical car insurance quotes
BMW M135 insurance for a 65-year-old after a claim
Every insurer's price today for a driver aged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20%, on a 3-year-old BMW M135 2.0 xDrive, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a BMW M135 driven by a 65-year-old after a claim is S$2,369.75 a year (GST included) at ERGO, SMART Comprehensive; 2 insurers quote this driver online, up to S$3,920.50 at UOI.
Compare every insurer we price for a BMW M135 on one page: https://shentonbrokers.com/prices/car/bmw-m135
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/bmw-m135/age-65-after-a-claim
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.
- 2 insurers quote this driver online; 14 do not.
- That is 2.0 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,171.31).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| ERGOSMART ComprehensiveBuy Now | S$2,369.75 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| UOIUniCar Comprehensive ValueBuy Now | S$3,920.50 | S$750.00 | Authorised workshops | Yes | S$20,000 |
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); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); 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 (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Singlife (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).
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$3,125.87 | +S$756.12 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,958.18 | −S$411.57 |
Why this driver pays this
- An at-fault claim in the last three years cut the no-claim discount to 20%, and many insurers add a claims loading as well, for three years. On this car the lowest price is 84% more than what the same driver with no claims and a 50% NCD pays (S$1,288.13).
- From about 65 many insurers price older drivers higher, and from about 70 some do not quote online.
- The car matters too: insurers group models by value, repair costs and claims; the BMW M135 has a 1,998cc engine.
- 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); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); 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 (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Singlife (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).
Price history
Since 2 Nov 2026 the lowest price is unchanged, and ERGO has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$2,369.75 | ERGO |
| A week ago 5 Nov 2026 | S$2,369.75 | ERGO |
The BMW M135
- Priced as a BMW M135 2.0 xDrive (1,998cc), registered 3 years ago.
- With a 1,998cc engine, above 1,600cc, the BMW M135 2.0 xDrive needs a Category B COE (S$132,334 in the November 2026, 1st round).
- Road tax: about S$1,209.76 a year for a 1,998cc engine, before any surcharge for a car over 10 years old.
- For a 65-year-old after a claim, the BMW M135 is the 735th cheapest of 921 car models to insure. Among 227 cars of 1,601cc to 2,000cc it is 180th cheapest, 25% more than the middle price of S$1,898.24.
- BMW M135 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mercedes-Benz E-Class | S$1,536.53 | Etiqa |
| Toyota Harrier | S$1,563.74 | Etiqa |
| Mercedes-Benz GLC | S$1,597.55 | Etiqa |
| Toyota Voxy | S$1,650.19 | Etiqa |
| Mazda CX-5 | S$1,652.48 | Etiqa |
| Mazda CX-30 | S$1,652.48 | Etiqa |
| Lexus NX | S$1,677.00 | Etiqa |
| Lexus RX | S$1,677.00 | 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 M135 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.
Questions people ask
How much is BMW M135 insurance for a 65-year-old after a claim?
From S$2,369.75 a year today at ERGO, up to S$3,920.50 at UOI, across the 2 insurers that quote this driver online. That is for a driver aged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20%, on a 3-year-old BMW M135 2.0 xDrive, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2.0 times the S$1,171.31 a 40-year-old with a 50% NCD and no claims pays for the same BMW M135.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and ERGO has been cheapest throughout.
Which insurers do not quote a 65-year-old after a claim for a BMW M135 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); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); 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 (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Singlife (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).
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.