Typical car insurance quotes
Land Rover Defender 90 insurance for a 78-year-old with a 50% NCD
Every insurer's price today for a driver aged 78, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old Land Rover Defender 90 3.0 75th Limited Edition, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Land Rover Defender 90 driven by a 78-year-old with a 50% NCD is S$1,683.29 a year (GST included) at MS First Capital, Comprehensive; 2 insurers quote this driver online, up to S$1,920.46 at AIG.
Compare every insurer we price for a Land Rover Defender 90 on one page: https://shentonbrokers.com/prices/car/land-rover-defender-90
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/land-rover-defender-90/age-78-50-ncd
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.
- 2 insurers quote this driver online; 14 do not.
- That is 75% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$962.04).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| MS First CapitalComprehensiveBuy Now | S$1,683.29 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| AIGAIG Car Insurance Collision OnlyBuy Now | S$1,920.46 | S$900.00 | Authorised workshops | Optional add-on | Not included |
No online price for this driver: Allianz (This insurer's online price is for main drivers aged up to 75); DirectAsia (This insurer's online price is for main drivers aged up to 70); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer's online price is for main drivers aged up to 75 when cover starts); 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 (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); 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 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$1,683.29 | the same |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,216.02 | −S$467.27 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,851.62 | +S$168.33 |
Why this driver pays this
- From about 65 many insurers price older drivers higher, and from about 70 some do not quote online. On this car the lowest price is 75% more than what a 40-year-old with the same 50% NCD pays (S$962.04).
- The car matters too: insurers group models by value, repair costs and claims; the Land Rover Defender 90 has a 2,996cc engine.
- 14 insurers do not quote this driver online on this car: Allianz (This insurer's online price is for main drivers aged up to 75); DirectAsia (This insurer's online price is for main drivers aged up to 70); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer's online price is for main drivers aged up to 75 when cover starts); 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 (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); 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 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 MS First Capital has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$1,683.29 | MS First Capital |
| A week ago 5 Nov 2026 | S$1,683.29 | MS First Capital |
The Land Rover Defender 90
- Priced as a Land Rover Defender 90 3.0 75th Limited Edition (2,996cc), registered 3 years ago.
- With a 2,996cc engine, above 1,600cc, the Land Rover Defender 90 3.0 75th Limited Edition needs a Category B COE (S$132,334 in the November 2026, 1st round).
- Road tax: about S$2,380.40 a year for a 2,996cc engine, before any surcharge for a car over 10 years old.
- For a 78-year-old with a 50% NCD, the Land Rover Defender 90 is the 603rd cheapest of 832 car models to insure. Among 146 cars above 2,000cc it is 50th cheapest, 3% less than the middle price of S$1,734.65.
- Land Rover Defender 90 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Audi Q8 | S$1,586.64 | MS First Capital |
| Audi Q7 | S$1,733.78 | MS First Capital |
| Alfa Romeo 166 | S$2,009.93 | MS First Capital |
| Audi A8 | S$2,009.93 | MS First Capital |
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 Land Rover Defender 90 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.
Questions people ask
How much is Land Rover Defender 90 insurance for a 78-year-old with a 50% NCD?
From S$1,683.29 a year today at MS First Capital, up to S$1,920.46 at AIG, across the 2 insurers that quote this driver online. That is for a driver aged 78, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old Land Rover Defender 90 3.0 75th Limited Edition, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 75% more than the S$962.04 a 40-year-old with a 50% NCD and no claims pays for the same Land Rover Defender 90.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and MS First Capital has been cheapest throughout.
Which insurers do not quote a 78-year-old with a 50% NCD for a Land Rover Defender 90 online?
Allianz (This insurer's online price is for main drivers aged up to 75); DirectAsia (This insurer's online price is for main drivers aged up to 70); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer's online price is for main drivers aged up to 75 when cover starts); 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 (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); 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 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.