MG HS insurance for a driver with two claims

In short

On 28 Oct 2026, the cheapest comprehensive car insurance for a MG HS driven by a driver with two claims is S$2,324.60 a year (GST included) at Singlife, Motor Lite; 4 insurers quote this driver online, up to S$5,908.17 at Etiqa.

• 4 insurers quote this driver online; 10 do not.
• That is 3.2 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$728.06).

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 3.2 times what the same driver with no claims and a 50% NCD pays (S$728.06).
• The car matters too: insurers group models by value, repair costs and claims; the MG HS has a 1,496cc engine.
• 10 insurers do not quote this driver online on this car: AIG (This insurer's online price is for drivers with up to one claim in the last 3 years); Allianz (This insurer's online price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); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great Eastern (This insurer's online price is for drivers with up to one claim 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); UOI (This insurer has no online price for this car model yet).

Price history

Since 27 Oct 2026 the lowest price is unchanged, and Singlife has been cheapest throughout.

The MG HS

• Priced as a MG HS (1,496cc), registered 3 years ago.
• With a 1,496cc engine, the MG HS 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$681.90 a year for a 1,496cc engine, before any surcharge for a car over 10 years old.
• For a driver with two claims, the MG HS is the 127th cheapest of 557 car models to insure. Among 296 cars up to 1,600cc it is 127th cheapest, 3% less than the middle price of S$2,385.75.
• MG HS review: list price, COE, road tax and insurance.

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.