Volvo S40 insurance for a driver with two claims

In short

On 28 Oct 2026, the cheapest comprehensive car insurance for a Volvo S40 driven by a driver with two claims is S$3,207.49 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 3 insurers quote this driver online, up to S$3,943.34 at Liberty.

• 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$844.94).

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$844.94).
• The car matters too: insurers group models by value, repair costs and claims; the Volvo S40 has a 1,798cc engine.
• 11 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); Allianz (This insurer has no online price for this car model yet); ERGO (This insurer has no online price for this car model yet); 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); 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 has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer's online price is for drivers with no claims in the last 3 years); UOI (This insurer's online price is for drivers with up to one claim in the last 3 years).

Price history

Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.

The Volvo S40

• Priced as a Volvo S40 1.8 (1,798cc), registered 3 years ago.
• With a 1,798cc engine, above 1,600cc, the Volvo S40 1.8 needs a Category B COE (S$131,901 in the October 2026, 2nd round).
• Road tax: about S$975.16 a year for a 1,798cc engine, before any surcharge for a car over 10 years old.
• For a driver with two claims, the Volvo S40 is the 414th cheapest of 557 car models to insure. Among 159 cars of 1,601cc to 2,000cc it is 91st cheapest, 3% more than the middle price of S$3,109.01.
• Volvo S40 review: list price, COE, road tax and insurance.

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.