Typical car insurance quotes
Skoda Octavia Combi 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 Skoda Octavia Combi 1.4, 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 Skoda Octavia Combi driven by a driver with demerit points is S$684.13 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 12 insurers quote this driver online, up to S$1,543.01 at QBE.
- 12 insurers quote this driver online; 2 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$684.13).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| HL AssuranceCar Protect360 Comprehensive | S$684.13 | S$1,200.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$759.57 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$812.07 | S$2,000.00 |
| MS First CapitalComprehensive | S$823.96 | S$500.00 |
| SinglifeMotor Lite | S$862.78 | S$3,000.00 |
| AIGAIG Car Insurance Collision Only | S$899.21 | S$600.00 |
| UOIUniCar Comprehensive Value | S$915.98 | S$500.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$929.48 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$976.93 | S$600.00 |
| ERGOSMART Comprehensive | S$991.16 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$1,247.27 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,543.01 | S$3,000.00 |
No online price for this driver: ECICS (ECICS does not list this model on its online quote); Etiqa (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$804.86 | +S$120.73 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$535.46 | −S$148.67 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$752.55 | +S$68.42 |
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$684.13).
- The car matters too: insurers group models by value, repair costs and claims; the Skoda Octavia Combi has a 1,390cc engine.
- 2 insurers do not quote this driver online on this car: ECICS (ECICS does not list this model on its online quote); Etiqa (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
The Skoda Octavia Combi
- Priced as a Skoda Octavia Combi 1.4 (1,390cc), registered 3 years ago.
- With a 1,390cc engine, the Skoda Octavia Combi 1.4 needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its power is 97kW (130bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more.
- Road tax: about S$619.74 a year for a 1,390cc engine, before any surcharge for a car over 10 years old.
- For a driver with demerit points, the Skoda Octavia Combi is the 150th cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 150th cheapest, 1% less than the middle price of S$692.61.
- Skoda Octavia Combi review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Sienta | S$635.86 | India International |
| Toyota Corolla Altis | S$676.24 | India International |
| Honda Freed | S$676.24 | India International |
| Mercedes-Benz GLB | S$708.02 | Allianz |
| Mazda 3 | S$730.18 | HL Assurance |
| Hyundai Kona | S$759.57 | India International |
| Mercedes-Benz C-Class | S$789.40 | Etiqa |
| BMW X1 | S$797.41 | ECICS |
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 Skoda Octavia Combi for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Skoda Octavia Combi insurance for a driver with demerit points?
From S$684.13 a year today at HL Assurance, up to S$1,543.01 at QBE, across the 12 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 Skoda Octavia Combi 1.4, 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$684.13 a 40-year-old with a 50% NCD and no claims pays for the same Skoda Octavia Combi.
Has the price changed?
Since 27 Oct 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 Skoda Octavia Combi online?
ECICS (ECICS does not list this model on its online quote); Etiqa (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.