Typical car insurance quotes
Ford S-Max insurance for a driver after a claim
Every insurer's price today for a driver aged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20%, on a 3-year-old Ford S-Max 2.0, 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 S-Max driven by a driver after a claim is S$1,450.17 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 9 insurers quote this driver online, up to S$2,901.04 at Etiqa.
- 9 insurers quote this driver online; 5 do not.
- That is 95% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$742.90).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$1,450.17 | S$600.00 |
| SinglifeMotor Lite | S$1,713.86 | S$3,000.00 |
| AIGAIG Car Insurance Collision Only | S$1,886.79 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,901.40 | S$600.00 |
| ECICSComprehensive | S$1,988.07 | S$750.00 |
| LibertyComprehensive Preferred Plan | S$2,275.57 | S$600.00 |
| ERGOSMART Comprehensive | S$2,316.03 | S$500.00 |
| UOIUniCar Comprehensive Value | S$2,469.42 | S$500.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$2,901.04 | S$2,500.00 |
No online price for this driver: Allianz (This insurer's online price is for drivers with no claims in the last 3 years); HL Assurance (This insurer's online price is for drivers with no claims in the last 3 years); 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); 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, 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$1,611.30 | +S$161.13 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,130.42 | −S$319.75 |
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 95% more than what the same driver with no claims and a 50% NCD pays (S$742.90).
- The car matters too: insurers group models by value, repair costs and claims; the Ford S-Max has a 1,999cc engine.
- 5 insurers do not quote this driver online on this car: Allianz (This insurer's online price is for drivers with no claims in the last 3 years); HL Assurance (This insurer's online price is for drivers with no claims in the last 3 years); 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); Sompo (This insurer's online price is for drivers with no claims in the last 3 years).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
The Ford S-Max
- Priced as a Ford S-Max 2.0 (1,999cc), registered 3 years ago.
- With a 1,999cc engine, above 1,600cc, the Ford S-Max 2.0 needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,210.92 a year for a 1,999cc engine, before any surcharge for a car over 10 years old.
- For a driver after a claim, the Ford S-Max is the 329th cheapest of 588 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 59th cheapest, 3% less than the middle price of S$1,489.84.
- Ford S-Max review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mercedes-Benz E-Class | S$1,340.85 | Etiqa |
| Toyota Harrier | S$1,341.18 | Etiqa |
| Mercedes-Benz GLC | S$1,401.05 | Etiqa |
| Toyota Voxy | S$1,428.51 | Etiqa |
| Lexus NX | S$1,471.96 | Etiqa |
| Lexus RX | S$1,471.96 | Etiqa |
| BMW 3 Series | S$1,699.55 | AIG |
| BMW 5 Series | S$1,746.56 | India International |
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 S-Max for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Ford S-Max insurance for a driver after a claim?
From S$1,450.17 a year today at India International, up to S$2,901.04 at Etiqa, across the 9 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20%, on a 3-year-old Ford S-Max 2.0, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 95% more than the S$742.90 a 40-year-old with a 50% NCD and no claims pays for the same Ford S-Max.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
Which insurers do not quote a driver after a claim for a Ford S-Max online?
Allianz (This insurer's online price is for drivers with no claims in the last 3 years); HL Assurance (This insurer's online price is for drivers with no claims in the last 3 years); 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); 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.