Typical car insurance quotes
Renault Laguna 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 Renault Laguna 2.0 16V, private use, comprehensive cover, repairs at an authorised workshop.
Prices as of 28 Oct 2026, GST included.
In short
On 28 Oct 2026, the cheapest comprehensive car insurance for a Renault Laguna driven by a driver with demerit points is S$907.51 a year (GST included) at Allianz, Allianz Motor Protect Comprehensive; 11 insurers quote this driver online, up to S$1,831.43 at QBE.
- 11 insurers quote this driver online; 3 do not.
- That is 7% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$851.20).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AllianzAllianz Motor Protect Comprehensive | S$907.51 | S$2,000.00 |
| HL AssuranceCar Protect360 Comprehensive | S$908.20 | S$1,200.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,010.30 | S$600.00 |
| ECICSComprehensive | S$1,071.32 | S$750.00 |
| MS First CapitalComprehensive | S$1,140.55 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$1,198.23 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,255.49 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$1,410.27 | S$600.00 |
| SinglifeMotor Lite | S$1,417.70 | S$3,000.00 |
| ERGOSMART Comprehensive | S$1,598.89 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,831.43 | S$3,000.00 |
No online price for this driver: Etiqa (This insurer has no online price for this car model yet); India International (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, DirectAsia, FWD, Income 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$1,068.46 | +S$160.95 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$730.32 | −S$177.19 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$999.02 | +S$91.51 |
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 7% more than what the same driver with none pays (S$851.20).
- The car matters too: insurers group models by value, repair costs and claims; the Renault Laguna has a 1,997cc engine.
- 3 insurers do not quote this driver online on this car: Etiqa (This insurer has no online price for this car model yet); India International (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 27 Oct 2026 the lowest price is unchanged, and Allianz has been cheapest throughout.
The Renault Laguna
- Priced as a Renault Laguna 2.0 16V (1,997cc), registered 3 years ago.
- With a 1,997cc engine, above 1,600cc, the Renault Laguna 2.0 16V needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,208.58 a year for a 1,997cc engine, before any surcharge for a car over 10 years old.
- For a driver with demerit points, the Renault Laguna is the 449th cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 98th cheapest, 2% more than the middle price of S$889.31.
- Renault Laguna review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Voxy | S$763.41 | HL Assurance |
| Toyota Harrier | S$782.00 | India International |
| Mercedes-Benz E-Class | S$906.36 | India International |
| BMW 5 Series | S$906.36 | India International |
| Mercedes-Benz GLC | S$933.43 | HL Assurance |
| BMW 3 Series | S$1,000.41 | HL Assurance |
| Lexus RX | S$1,022.32 | HL Assurance |
| Lexus NX | S$1,023.58 | 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, 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.
The Renault Laguna for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Renault Laguna insurance for a driver with demerit points?
From S$907.51 a year today at Allianz, up to S$1,831.43 at QBE, across the 11 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 Renault Laguna 2.0 16V, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 7% more than the S$851.20 a 40-year-old with a 50% NCD and no claims pays for the same Renault Laguna.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Allianz has been cheapest throughout.
Which insurers do not quote a driver with demerit points for a Renault Laguna online?
Etiqa (This insurer has no online price for this car model yet); India International (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.