Typical car insurance quotes
Perodua Kembara insurance for a driver with demerit points
Every insurer's price today for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old Perodua Kembara 1.3, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Perodua Kembara driven by a driver with demerit points is S$675.91 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 7 insurers quote this driver online, up to S$905.83 at Great Eastern.
Compare every insurer we price for a Perodua Kembara on one page: https://shentonbrokers.com/prices/car/perodua-kembara
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/perodua-kembara/age-40-demerit-points
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.
- 7 insurers quote this driver online; 8 do not.
- That is about the same as what a 40-year-old with a 50% NCD and no claims pays for the same car (S$675.91).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$675.91 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| MS First CapitalComprehensiveBuy Now | S$732.08 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$791.27 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| ERGOSMART ComprehensiveBuy Now | S$818.58 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$848.66 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| LibertyComprehensive Preferred PlanBuy Now | S$886.66 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop)Buy Now | S$905.83 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$120,000 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); Allianz (This insurer doesn’t offer this cover online); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); Great American (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); 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$732.08 | +S$56.17 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$528.87 | −S$147.04 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$743.50 | +S$67.59 |
Why this driver pays this
- Demerit points on the licence are a loading at some insurers and a reason to decline at others. On this car the lowest price is about the same as what the same driver with none pays (S$675.91).
- The car matters too: insurers group models by value, repair costs and claims; the Perodua Kembara has a 1,298cc engine.
- 8 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); Allianz (This insurer doesn’t offer this cover online); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); Great American (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); UOI (This insurer has no online price for this car model yet).
Price history
Since 2 Nov 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$675.91 | HL Assurance |
| A week ago 5 Nov 2026 | S$675.91 | HL Assurance |
The Perodua Kembara
- Priced as a Perodua Kembara 1.3 (1,298cc), registered 3 years ago.
- With a 1,298cc engine, the Perodua Kembara 1.3 needs a Category A COE (S$139,001 in the November 2026, 1st round) if its power is 97kW (130bhp) or less, and a Category B COE (S$132,334 in the November 2026, 1st round) if it is more.
- Road tax: about S$565.78 a year for a 1,298cc engine, before any surcharge for a car over 10 years old.
- For a driver with demerit points, the Perodua Kembara is the 136th cheapest of 995 car models to insure. Among 417 cars up to 1,600cc it is 107th cheapest, 9% less than the middle price of S$743.33.
- Perodua Kembara review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Nissan Kicks e-Power | S$537.58 | Allianz |
| Honda Jazz / Fit | S$647.81 | Allianz |
| Toyota C-HR | S$669.96 | MS First Capital |
| Nissan Qashqai | S$697.28 | HL Assurance |
| Toyota Yaris Cross | S$704.12 | HL Assurance |
| Mercedes-Benz GLB | S$708.02 | Allianz |
| Mercedes-Benz GLA | S$708.02 | Allianz |
| Mercedes-Benz A-Class | S$755.55 | 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 Perodua Kembara 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.
- HL Assurance, Car Protect360 Comprehensive: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- MS First Capital, Comprehensive: https://shentonbrokers.com/go/buy/car/ms-first-capital/msfc-comprehensive?brand=perodua&model=perodua-kembara-1-3&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=no&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop): https://www.tiq.com.sg/buy-online/car-insurance/quotation/?referral=A501895
- ERGO, SMART Comprehensive: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=perodua&model=perodua-kembara-1-3&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=no&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Sompo, Comprehensive Cover – Authorised Workshop Plan: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
- Liberty, Comprehensive Preferred Plan: https://shentonbrokers.com/go/buy/car/liberty/comprehensive-preferred?brand=perodua&model=perodua-kembara-1-3&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=no&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
Questions people ask
How much is Perodua Kembara insurance for a driver with demerit points?
From S$675.91 a year today at HL Assurance, up to S$905.83 at Great Eastern, across the 7 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old Perodua Kembara 1.3, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is about the same as the S$675.91 a 40-year-old with a 50% NCD and no claims pays for the same Perodua Kembara.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
Which insurers do not quote a driver with demerit points for a Perodua Kembara online?
AIG (This insurer has no online price for this car model yet); Allianz (This insurer doesn’t offer this cover online); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); Great American (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); 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.