Typical car insurance quotes
Ford Kuga insurance for a driver with a Certificate of Merit
Every insurer's price today for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old Ford Kuga 1.5 Titanium, 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 Ford Kuga driven by a driver with a Certificate of Merit is S$775.02 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 13 insurers quote this driver online, up to S$1,760.00 at Etiqa.
- 13 insurers quote this driver online; 1 do not.
- That is 5% less than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$811.71).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| HL AssuranceCar Protect360 Comprehensive | S$775.02 | S$1,200.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$811.71 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$818.47 | S$2,000.00 |
| ECICSComprehensive | S$822.60 | S$750.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$920.71 | S$600.00 |
| ERGOSMART Comprehensive | S$961.25 | S$500.00 |
| SinglifeMotor Lite | S$961.55 | S$3,000.00 |
| UOIUniCar Comprehensive Value | S$1,036.52 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$1,049.57 | S$600.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,059.60 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$1,378.10 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,657.56 | S$3,000.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,760.00 | S$2,500.00 |
No online price for this driver: MS First Capital (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$901.90 | +S$126.88 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$632.61 | −S$142.41 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$822.60 | +S$47.58 |
Why this driver pays this
- The Traffic Police's Certificate of Merit, for three years without a traffic offence, earns a small discount at some insurers. On this car the lowest price is 5% less than what the same driver without one pays (S$811.71).
- The car matters too: insurers group models by value, repair costs and claims; the Ford Kuga has a 1,498cc engine.
- 1 insurer does not quote this driver online on this car: MS First Capital (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 Ford Kuga
- Priced as a Ford Kuga 1.5 Titanium (1,498cc), registered 3 years ago.
- With a 1,498cc engine, the Ford Kuga 1.5 Titanium 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$683.08 a year for a 1,498cc engine, before any surcharge for a car over 10 years old.
- For a driver with a Certificate of Merit, the Ford Kuga is the 358th cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 283rd cheapest, 17% more than the middle price of S$660.09.
- Ford Kuga review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Sienta | S$604.07 | India International |
| Toyota Corolla Altis | S$642.42 | India International |
| Honda Freed | S$642.42 | India International |
| Mercedes-Benz GLB | S$660.13 | Allianz |
| Mazda 3 | S$693.67 | HL Assurance |
| Hyundai Kona | S$721.59 | India International |
| Mercedes-Benz C-Class | S$725.34 | Etiqa |
| BMW X1 | S$764.61 | HL Assurance |
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 Ford Kuga for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Ford Kuga insurance for a driver with a Certificate of Merit?
From S$775.02 a year today at HL Assurance, up to S$1,760.00 at Etiqa, across the 13 insurers that quote this driver online. That is for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old Ford Kuga 1.5 Titanium, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 5% less than the S$811.71 a 40-year-old with a 50% NCD and no claims pays for the same Ford Kuga.
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 a Certificate of Merit for a Ford Kuga online?
MS First Capital (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.