Typical car insurance quotes
MINI John Cooper Works GP 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 MINI John Cooper Works GP 2.0, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a MINI John Cooper Works GP driven by a 78-year-old with a 50% NCD is S$1,452.03 a year (GST included) at MS First Capital, Comprehensive; 2 insurers quote this driver online, up to S$1,963.26 at ERGO.
Compare every insurer we price for a MINI John Cooper Works GP on one page: https://shentonbrokers.com/prices/car/mini-john-cooper-works-gp
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/mini-john-cooper-works-gp/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; 13 do not.
- That is 61% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$904.02).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| MS First CapitalComprehensiveBuy Now | S$1,452.03 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| ERGOSMART ComprehensiveBuy Now | S$1,963.26 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
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); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); Great Eastern (This insurer's online price is for main drivers aged up to 69); 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's online price is for main drivers aged up to 70); 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$1,452.03 | the same |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,048.97 | −S$403.06 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,597.23 | +S$145.20 |
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 61% more than what a 40-year-old with the same 50% NCD pays (S$904.02).
- The car matters too: insurers group models by value, repair costs and claims; the MINI John Cooper Works GP has a 1,998cc engine.
- 13 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); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); Great Eastern (This insurer's online price is for main drivers aged up to 69); 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's online price is for main drivers aged up to 70); UOI (This insurer has no online price for this car model yet).
Price history
Since 2 Nov 2026 the lowest price is down S$511.23 (26%), and the cheapest insurer has changed once.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$1,452.03 | MS First Capital |
| A week ago 5 Nov 2026 | S$1,452.03 | MS First Capital |
The MINI John Cooper Works GP
- Priced as a MINI John Cooper Works GP 2.0 (1,998cc), registered 3 years ago.
- With a 1,998cc engine, above 1,600cc, the MINI John Cooper Works GP 2.0 needs a Category B COE (S$132,334 in the November 2026, 1st round).
- Road tax: about S$1,209.76 a year for a 1,998cc engine, before any surcharge for a car over 10 years old.
- For a 78-year-old with a 50% NCD, the MINI John Cooper Works GP is the 424th cheapest of 832 car models to insure. Among 220 cars of 1,601cc to 2,000cc it is 67th cheapest, 7% less than the middle price of S$1,565.81.
- MINI John Cooper Works GP review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Voxy | S$1,180.62 | MS First Capital |
| Toyota Harrier | S$1,318.05 | ERGO |
| Mercedes-Benz E-Class | S$1,495.56 | MS First Capital |
| Mercedes-Benz GLC | S$1,495.56 | MS First Capital |
| BMW 5 Series | S$1,586.65 | MS First Capital |
| Lexus NX | S$1,586.65 | MS First Capital |
| BMW 3 Series | S$1,586.65 | MS First Capital |
| Lexus RX | S$1,854.31 | ERGO |
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 MINI John Cooper Works GP 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.
- MS First Capital, Comprehensive: https://shentonbrokers.com/go/buy/car/ms-first-capital/msfc-comprehensive?brand=mini&model=mini-john-cooper-works-gp-2-0&ncd=50&licenceYears=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1948-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- ERGO, SMART Comprehensive: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=mini&model=mini-john-cooper-works-gp-2-0&ncd=50&licenceYears=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1948-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
Questions people ask
How much is MINI John Cooper Works GP insurance for a 78-year-old with a 50% NCD?
From S$1,452.03 a year today at MS First Capital, up to S$1,963.26 at ERGO, 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 MINI John Cooper Works GP 2.0, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 61% more than the S$904.02 a 40-year-old with a 50% NCD and no claims pays for the same MINI John Cooper Works GP.
Has the price changed?
Since 2 Nov 2026 the lowest price is down S$511.23 (26%), and the cheapest insurer has changed once.
Which insurers do not quote a 78-year-old with a 50% NCD for a MINI John Cooper Works GP 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); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); Great Eastern (This insurer's online price is for main drivers aged up to 69); 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's online price is for main drivers aged up to 70); 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.