Typical car insurance quotes
BMW Z4 Roadster 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 Z4 Roadster sDrive20i, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a BMW Z4 Roadster driven by a driver with demerit points is S$1,398.81 a year (GST included) at QBE, Private Motor Prestige Comprehensive; 5 insurers quote this driver online, up to S$4,678.43 at Etiqa.
Compare every insurer we price for a BMW Z4 Roadster on one page: https://shentonbrokers.com/prices/car/bmw-z4-roadster
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/bmw-z4-roadster/age-40-demerit-points
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.
- 5 insurers quote this driver online; 11 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$1,398.81).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| QBEPrivate Motor Prestige ComprehensiveBuy Now | S$1,398.81 | S$3,000.00 | Authorised workshops | Yes, no excess | S$20,000 |
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$2,258.83 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$2,308.81 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| LibertyComprehensive Preferred PlanBuy Now | S$2,315.94 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$4,678.43 | 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); 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 this car model yet); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote this model online); Singlife (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, 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$1,731.86 | +S$333.05 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,669.00 | +S$270.19 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,398.81 | the same |
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$1,398.81).
- The car matters too: insurers group models by value, repair costs and claims; the BMW Z4 Roadster has a 1,998cc engine.
- 11 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); 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 this car model yet); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote this model online); Singlife (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 2 Nov 2026 the lowest price is unchanged, and QBE has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$1,398.81 | QBE |
| A week ago 5 Nov 2026 | S$1,398.81 | QBE |
The BMW Z4 Roadster
- Priced as a BMW Z4 Roadster sDrive20i (1,998cc), registered 3 years ago.
- With a 1,998cc engine, above 1,600cc, the BMW Z4 Roadster sDrive20i 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 driver with demerit points, the BMW Z4 Roadster is the 922nd cheapest of 995 car models to insure. Among 237 cars of 1,601cc to 2,000cc it is 229th cheapest, 61% more than the middle price of S$869.05.
- BMW Z4 Roadster review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Harrier | S$763.00 | ECICS |
| Toyota Voxy | S$763.41 | HL Assurance |
| Mazda CX-5 | S$808.55 | ECICS |
| Mazda CX-30 | S$808.55 | ECICS |
| Mercedes-Benz E-Class | S$857.06 | ECICS |
| Lexus RX | S$921.75 | ECICS |
| Mercedes-Benz GLC | S$933.43 | HL Assurance |
| Lexus NX | S$970.26 | ECICS |
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 Z4 Roadster 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.
- QBE, Private Motor Prestige Comprehensive: https://shentonbrokers.com/go/buy/car/qbe/comprehensive?brand=bmw&model=bmw-z4-roadster-sdrive20i&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=no&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Allianz, Allianz Motor Protect Comprehensive: https://shentonbrokers.com/go/buy/car/allianz/motor-comprehensive?brand=bmw&model=bmw-z4-roadster-sdrive20i&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=no&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Sompo, Comprehensive Cover – Authorised Workshop Plan: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
- Liberty, Comprehensive Preferred Plan: https://shentonbrokers.com/go/buy/car/liberty/comprehensive-preferred-rp?brand=bmw&model=bmw-z4-roadster-sdrive20i&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=no&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- 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 Z4 Roadster insurance for a driver with demerit points?
From S$1,398.81 a year today at QBE, up to S$4,678.43 at Etiqa, across the 5 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 Z4 Roadster sDrive20i, 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$1,398.81 a 40-year-old with a 50% NCD and no claims pays for the same BMW Z4 Roadster.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and QBE has been cheapest throughout.
Which insurers do not quote a driver with demerit points for a BMW Z4 Roadster online?
AIG (This insurer has no online price for this car model yet); 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 this car model yet); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote this model online); Singlife (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.