Typical car insurance quotes
Volkswagen Golf 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 Volkswagen Golf A7 1.4 TSI, 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 Volkswagen Golf driven by a driver with demerit points is S$737.13 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 14 insurers quote this driver online, up to S$1,456.49 at QBE.
- 14 insurers quote this driver online.
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$737.13 | S$600.00 |
| MS First CapitalComprehensive | S$754.04 | S$500.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$778.30 | S$2,500.00 |
| HL AssuranceCar Protect360 Comprehensive | S$789.38 | S$1,200.00 |
| ECICSComprehensive | S$856.18 | S$750.00 |
| AIGAIG Car Insurance Collision Only | S$864.59 | S$600.00 |
| ERGOSMART Comprehensive | S$919.34 | S$500.00 |
| UOIUniCar Comprehensive Value | S$1,088.79 | S$500.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,111.33 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,119.03 | S$600.00 |
| SinglifeMotor Lite | S$1,144.15 | S$3,000.00 |
| LibertyComprehensive Preferred Plan | S$1,309.09 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,336.19 | S$2,000.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,456.49 | S$3,000.00 |
See this quote on the results page, with every plan and filter.
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$754.04 | +S$16.91 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$544.73 | −S$192.40 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$810.85 | +S$73.72 |
Why this driver pays this
- Demerit points on the licence are a loading at some insurers and a reason to decline at others.
- The car matters too: insurers group models by value, repair costs and claims; the Volkswagen Golf has a 1,395cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
The Volkswagen Golf
- Priced as a Volkswagen Golf A7 1.4 TSI (1,395cc), registered 3 years ago.
- With a 1,395cc engine, the Volkswagen Golf A7 1.4 TSI 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$622.66 a year for a 1,395cc engine, before any surcharge for a car over 10 years old.
- For a driver with demerit points, the Volkswagen Golf is the 195th cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 195th cheapest, 6% more than the middle price of S$692.61.
- Volkswagen Golf 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. The figures for every driver on this car are in a CSV file, updated daily.
The Volkswagen Golf for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Volkswagen Golf insurance for a driver with demerit points?
From S$737.13 a year today at India International, up to S$1,456.49 at QBE, across the 14 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 Volkswagen Golf A7 1.4 TSI, private use, comprehensive cover, repairs at an authorised workshop.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
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.