Typical car insurance quotes
Skoda Octavia insurance for a 40-year-old who works outdoors
Every insurer's price today for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, on a 3-year-old Skoda Octavia 1.0, 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 driven by a 40-year-old who works outdoors is S$699.98 a year (GST included) at ERGO, SMART Comprehensive; 11 insurers quote this driver online, up to S$1,528.59 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$652.76).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| ERGOSMART Comprehensive | S$699.98 | S$500.00 |
| AllianzAllianz Motor Protect Comprehensive | S$702.65 | S$2,000.00 |
| HL AssuranceCar Protect360 Comprehensive | S$743.39 | S$1,200.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$750.68 | S$2,500.00 |
| AIGAIG Car Insurance Collision Only | S$827.70 | S$600.00 |
| MS First CapitalComprehensive | S$848.67 | S$500.00 |
| UOIUniCar Comprehensive Value | S$871.83 | S$500.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$882.99 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$953.11 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$1,178.59 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,528.59 | S$3,000.00 |
No online price for this driver: ECICS (ECICS does not list this model on its online quote); India International (This insurer has no online price for this car model yet); Singlife (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$829.12 | +S$129.14 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$562.56 | −S$137.42 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$699.98 | the same |
Why this driver pays this
- Some insurers load drivers whose work is outdoors (driving, site or field work), who are on the road more. On this car the lowest price is 7% more than what the same driver with an office job pays (S$652.76).
- The car matters too: insurers group models by value, repair costs and claims; the Skoda Octavia has a 999cc engine.
- 3 insurers do not quote this driver online on this car: ECICS (ECICS does not list this model on its online quote); India International (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and ERGO has been cheapest throughout.
The Skoda Octavia
- Priced as a Skoda Octavia 1.0 (999cc), registered 3 years ago.
- With a 999cc engine, the Skoda Octavia 1.0 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$390.80 a year for a 999cc engine, before any surcharge for a car over 10 years old.
- For a 40-year-old who works outdoors, the Skoda Octavia is the 85th cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 85th cheapest, 5% less than the middle price of S$738.45.
- Skoda Octavia review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Ford Fiesta Titanium | S$569.36 | India International |
| Chery QQ | S$622.34 | India International |
| Daihatsu Copen | S$699.39 | HL Assurance |
| Citroen C3 | S$700.28 | India International |
| Ford Focus Wagon Titanium | S$702.98 | Allianz |
| Audi A1 | S$764.82 | India International |
| Audi Q2 | S$764.82 | India International |
| Chery A1 | S$774.43 | Sompo |
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 for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Skoda Octavia insurance for a 40-year-old who works outdoors?
From S$699.98 a year today at ERGO, up to S$1,528.59 at QBE, across the 11 insurers that quote this driver online. That is for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, on a 3-year-old Skoda Octavia 1.0, 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$652.76 a 40-year-old with a 50% NCD and no claims pays for the same Skoda Octavia.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and ERGO has been cheapest throughout.
Which insurers do not quote a 40-year-old who works outdoors for a Skoda Octavia online?
ECICS (ECICS does not list this model on its online quote); India International (This insurer has no online price for this car model yet); Singlife (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.