Typical car insurance quotes
Kia Picanto 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 Kia Picanto 1.0, 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 Kia Picanto driven by a 65-year-old after a claim is S$1,112.75 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 7 insurers quote this driver online, up to S$1,898.43 at UOI.
- 7 insurers quote this driver online; 7 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$569.36).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$1,112.75 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,273.47 | S$2,500.00 |
| LibertyComprehensive Preferred Plan | S$1,387.73 | S$600.00 |
| ERGOSMART Comprehensive | S$1,665.66 | S$500.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,795.98 | S$600.00 |
| AIGAIG Car Insurance Collision Only | S$1,842.98 | S$600.00 |
| UOIUniCar Comprehensive Value | S$1,898.43 | S$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); ECICS (ECICS does not list this model on its online quote); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); 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 has no online price for this car model yet); 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, 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$1,236.39 | +S$123.64 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$845.53 | −S$267.22 |
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$569.36).
- 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 Kia Picanto has a 999cc engine.
- 7 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); ECICS (ECICS does not list this model on its online quote); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); 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 has no online price for this car model yet); 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 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
The Kia Picanto
- Priced as a Kia Picanto 1.0 (999cc), registered 3 years ago.
- With a 999cc engine, the Kia Picanto 1.0 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$390.80 a year for a 999cc engine, before any surcharge for a car over 10 years old.
- For a 65-year-old after a claim, the Kia Picanto is the 25th cheapest of 588 car models to insure. Among 311 cars up to 1,600cc it is 25th cheapest, 14% less than the middle price of S$1,288.12.
- Kia Picanto review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Ford Fiesta Titanium | S$958.92 | India International |
| Chery QQ | S$1,048.14 | India International |
| Citroen C3 | S$1,179.41 | India International |
| Audi A1 | S$1,288.12 | India International |
| Audi Q2 | S$1,288.12 | India International |
| Ford Focus Wagon Titanium | S$1,288.12 | India International |
| Daihatsu Copen | S$1,795.98 | Great Eastern |
| Chery A1 | S$1,822.93 | Great Eastern |
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 Kia Picanto for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Kia Picanto insurance for a 65-year-old after a claim?
From S$1,112.75 a year today at India International, up to S$1,898.43 at UOI, across the 7 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 Kia Picanto 1.0, 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$569.36 a 40-year-old with a 50% NCD and no claims pays for the same Kia Picanto.
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 65-year-old after a claim for a Kia Picanto online?
Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ECICS (ECICS does not list this model on its online quote); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); 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 has no online price for this car model yet); 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.