Typical car insurance quotes
Skoda Octavia insurance for a 75-year-old with a 50% NCD
Every insurer's price today for a driver aged 75, married, driving more than 20 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 75-year-old with a 50% NCD is S$801.85 a year (GST included) at Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop); 6 insurers quote this driver online, up to S$1,401.01 at Liberty.
- 6 insurers quote this driver online; 8 do not.
- That is 23% 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 |
|---|---|---|
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$801.85 | S$2,500.00 |
| AllianzAllianz Motor Protect Comprehensive | S$806.98 | S$2,000.00 |
| MS First CapitalComprehensive | S$879.95 | S$500.00 |
| ERGOSMART Comprehensive | S$977.94 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$1,182.13 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$1,401.01 | S$600.00 |
No online price for this driver: ECICS (ECICS quotes main drivers aged 26 to 70 online); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); QBE (This insurer's online price is for main drivers aged up to 70); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
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$879.95 | +S$78.10 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$635.70 | −S$166.15 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$913.74 | +S$111.89 |
Why this driver pays this
- From about 65 many insurers price older drivers higher, and from about 70 some do not quote online. On this car the lowest price is 23% more than what a 40-year-old with the same 50% NCD pays (S$652.76).
- The car matters too: insurers group models by value, repair costs and claims; the Skoda Octavia has a 999cc engine.
- 8 insurers do not quote this driver online on this car: ECICS (ECICS quotes main drivers aged 26 to 70 online); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); QBE (This insurer's online price is for main drivers aged up to 70); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Etiqa 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 75-year-old with a 50% NCD, the Skoda Octavia is the 34th cheapest of 584 car models to insure. Among 309 cars up to 1,600cc it is 34th cheapest, 12% less than the middle price of S$910.94.
- Skoda Octavia review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Chery QQ | S$764.69 | Allianz |
| Ford Fiesta Titanium | S$807.37 | Allianz |
| Ford Focus Wagon Titanium | S$807.37 | Allianz |
| Audi A1 | S$879.95 | MS First Capital |
| Audi Q2 | S$879.95 | MS First Capital |
| Citroen C3 | S$1,114.69 | MS First Capital |
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 75-year-old with a 50% NCD?
From S$801.85 a year today at Etiqa, up to S$1,401.01 at Liberty, across the 6 insurers that quote this driver online. That is for a driver aged 75, married, driving more than 20 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 23% 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 Etiqa has been cheapest throughout.
Which insurers do not quote a 75-year-old with a 50% NCD for a Skoda Octavia online?
ECICS (ECICS quotes main drivers aged 26 to 70 online); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); QBE (This insurer's online price is for main drivers aged up to 70); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
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.