Typical car insurance quotes
Renault Laguna insurance for a driver with two claims
Every insurer's price today for a driver aged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left, 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 two claims is S$3,256.54 a year (GST included) at Liberty, Comprehensive Preferred Plan; 3 insurers quote this driver online, up to S$3,662.68 at Singlife.
- 3 insurers quote this driver online; 11 do not.
- That is 3.8 times 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 |
|---|---|---|
| LibertyComprehensive Preferred Plan | S$3,256.54 | S$600.00 |
| ECICSComprehensive | S$3,403.02 | S$750.00 |
| SinglifeMotor Lite | S$3,662.68 | S$3,000.00 |
No online price for this driver: 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); ERGO (This insurer's online price is for drivers with up to one claim in the last 3 years); Etiqa (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); India International (This insurer has no online price for this car model yet); 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).
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$4,209.98 | +S$953.44 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$2,521.68 | −S$734.86 |
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 3.8 times what the same driver with no claims and a 50% NCD 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.
- 11 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); ERGO (This insurer's online price is for drivers with up to one claim in the last 3 years); Etiqa (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); India International (This insurer has no online price for this car model yet); 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 Liberty 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 two claims, the Renault Laguna is the 425th cheapest of 557 car models to insure. Among 159 cars of 1,601cc to 2,000cc it is 100th cheapest, 5% more than the middle price of S$3,109.01.
- Renault Laguna review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Harrier | S$2,766.49 | India International |
| Toyota Voxy | S$2,901.98 | Liberty |
| Mercedes-Benz GLC | S$2,919.11 | Singlife |
| Mercedes-Benz E-Class | S$2,951.63 | Singlife |
| BMW 5 Series | S$3,146.22 | ECICS |
| BMW 3 Series | S$3,204.07 | Singlife |
| Lexus NX | S$3,266.15 | Etiqa |
| Lexus RX | S$3,266.15 | 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 two claims?
From S$3,256.54 a year today at Liberty, up to S$3,662.68 at Singlife, across the 3 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left, 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 3.8 times 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 Liberty has been cheapest throughout.
Which insurers do not quote a driver with two claims for a Renault Laguna online?
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); ERGO (This insurer's online price is for drivers with up to one claim in the last 3 years); Etiqa (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); India International (This insurer has no online price for this car model yet); 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).
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.