Typical car insurance quotes
Polestar 3 insurance for a driver after a claim
Every insurer's price today for a driver aged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20%, on a 3-year-old Polestar 3 Long Range Dual Motor 111 kWh, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Polestar 3 driven by a driver after a claim is S$1,884.03 a year (GST included) at Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop); it is the only insurer that quotes this driver online.
Compare every insurer we price for a Polestar 3 on one page: https://shentonbrokers.com/prices/car/polestar-3
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/polestar-3/age-40-after-a-claim
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.
- 1 insurer quotes this driver online; 15 do not.
- That is 2.3 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$806.15).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$1,884.03 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (This insurer has no online price for this car model yet); India International (This insurer has no online price for electric cars); Liberty (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote electric cars online); 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$2,352.81 | +S$468.78 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,586.77 | −S$297.26 |
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 2.3 times what the same driver with no claims and a 50% NCD pays (S$806.15).
- The Polestar 3 is electric: repairs and parts cost more at some insurers, so they price electric cars higher than petrol cars of the same size.
- 15 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's online price is for drivers with no claims in the last 3 years); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (This insurer has no online price for this car model yet); India International (This insurer has no online price for electric cars); Liberty (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote electric cars online); 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 Etiqa has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$1,884.03 | Etiqa |
| A week ago 5 Nov 2026 | S$1,884.03 | Etiqa |
The Polestar 3
- Priced as a Polestar 3 Long Range Dual Motor 111 kWh (electric), registered 3 years ago.
- A fully electric Polestar 3 needs a Category A COE (S$139,001 in the November 2026, 1st round) if its motor is 110kW (147bhp) or less, and a Category B COE (S$132,334 in the November 2026, 1st round) if it is more powerful.
- For a driver after a claim, the Polestar 3 is the 676th cheapest of 921 car models to insure. Among 121 electric cars it is 55th cheapest, 5% less than the middle price of S$1,976.02.
- Polestar 3 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Hyundai Ioniq 5 | S$1,441.15 | Etiqa |
| Aion V | S$1,443.08 | AIG |
| BYD M6 | S$1,783.61 | ECICS |
| Tesla Model 3 | S$1,891.72 | ECICS |
| BYD Atto 3 | S$1,891.73 | ECICS |
| Tesla Model Y | S$1,945.76 | ECICS |
| BMW iX1 | S$2,789.79 | Great Eastern |
| BYD Sealion 7 | S$4,654.93 | Etiqa |
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 Polestar 3 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.
- Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop): https://www.tiq.com.sg/buy-online/car-insurance/quotation/?referral=A501895
Questions people ask
How much is Polestar 3 insurance for a driver after a claim?
From S$1,884.03 a year today at Etiqa, across the 1 insurer that quote this driver online. That is for a driver aged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20%, on a 3-year-old Polestar 3 Long Range Dual Motor 111 kWh, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2.3 times the S$806.15 a 40-year-old with a 50% NCD and no claims pays for the same Polestar 3.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and Etiqa has been cheapest throughout.
Which insurers do not quote a driver after a claim for a Polestar 3 online?
AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (This insurer has no online price for this car model yet); India International (This insurer has no online price for electric cars); Liberty (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote electric cars online); 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.