Typical car insurance quotes
Honda ZR-V 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 Honda ZR-V 2.0 e:HEV, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Honda ZR-V driven by a driver with two claims is S$2,439.90 a year (GST included) at ECICS, Comprehensive; 4 insurers quote this driver online, up to S$4,509.19 at Singlife.
Compare every insurer we price for a Honda ZR-V on one page: https://shentonbrokers.com/prices/car/honda-zr-v
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/honda-zr-v/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.
- 4 insurers quote this driver online; 12 do not.
- That is 3.3 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$736.95).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| ECICSComprehensiveBuy Now | S$2,439.90 | S$5,000.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| LibertyComprehensive Preferred PlanBuy Now | S$3,133.39 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$3,706.59 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| SinglifeMotor LiteBuy Now | S$4,509.19 | S$300.00 | Authorised workshops | Yes, S$100 excess | Not included |
No online price for this driver: AIG (This insurer's online price is for drivers with up to one claim in the last 3 years); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); DirectAsia (This insurer has no online price for this car model yet); ERGO (This insurer's online price is for drivers with up to one claim in the last 3 years); 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 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); 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$3,415.86 | +S$975.96 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$2,426.01 | −S$13.89 |
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 3.3 times what the same driver with no claims and a 50% NCD pays (S$736.95).
- The car matters too: insurers group models by value, repair costs and claims; the Honda ZR-V has a 1,993cc engine.
- 12 insurers do not quote this driver online on this car: AIG (This insurer's online price is for drivers with up to one claim in the last 3 years); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); DirectAsia (This insurer has no online price for this car model yet); ERGO (This insurer's online price is for drivers with up to one claim in the last 3 years); 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 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); UOI (This insurer has no online price for this car model yet).
Price history
Since 2 Nov 2026 the lowest price is unchanged, and ECICS has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$2,439.90 | ECICS |
| A week ago 5 Nov 2026 | S$2,439.90 | ECICS |
The Honda ZR-V
- Priced as a Honda ZR-V 2.0 e:HEV (1,993cc), registered 3 years ago.
- With a 1,993cc engine, above 1,600cc, the Honda ZR-V 2.0 e:HEV needs a Category B COE (S$132,334 in the November 2026, 1st round).
- Road tax: about S$1,203.88 a year for a 1,993cc engine, before any surcharge for a car over 10 years old.
- For a driver with two claims, the Honda ZR-V is the 259th cheapest of 801 car models to insure. Among 203 cars of 1,601cc to 2,000cc it is 30th cheapest, 18% less than the middle price of S$2,967.92.
- Honda ZR-V review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Harrier | S$2,311.50 | ECICS |
| BMW 5 Series | S$2,516.97 | ECICS |
| Mercedes-Benz E-Class | S$2,722.42 | ECICS |
| Toyota Voxy | S$2,901.98 | Liberty |
| Lexus RX | S$2,927.89 | ECICS |
| Mercedes-Benz GLC | S$2,979.26 | ECICS |
| Lexus NX | S$3,082.01 | ECICS |
| BMW 3 Series | S$3,390.21 | 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 Honda ZR-V 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.
- ECICS, Comprehensive: https://purchase.ecics.com/motor/insurance/basic-detail?manual=true&partner_code=B0000030&promo_code=SPECIAL15
- Liberty, Comprehensive Preferred Plan: https://shentonbrokers.com/go/buy/car/liberty/comprehensive-preferred?brand=honda&model=honda-zr-v-2-0-e-hev&ncd=0&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=yes&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised&claimCount=2&claimAmount=10000
- 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 Honda ZR-V insurance for a driver with two claims?
From S$2,439.90 a year today at ECICS, up to S$4,509.19 at Singlife, across the 4 insurers 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 Honda ZR-V 2.0 e:HEV, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 3.3 times the S$736.95 a 40-year-old with a 50% NCD and no claims pays for the same Honda ZR-V.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and ECICS has been cheapest throughout.
Which insurers do not quote a driver with two claims for a Honda ZR-V online?
AIG (This insurer's online price is for drivers with up to one claim in the last 3 years); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); DirectAsia (This insurer has no online price for this car model yet); ERGO (This insurer's online price is for drivers with up to one claim in the last 3 years); 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 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); 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.