Typical car insurance quotes
Volvo V40 Cross Country insurance for a 78-year-old with a 50% NCD
Every insurer's price today for a driver aged 78, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old Volvo V40 Cross Country D2, 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 Volvo V40 Cross Country driven by a 78-year-old with a 50% NCD is S$1,540.46 a year (GST included) at MS First Capital, Comprehensive; 3 insurers quote this driver online, up to S$1,822.41 at ERGO.
- 3 insurers quote this driver online; 11 do not.
- That is 2.0 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$764.82).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| MS First CapitalComprehensive | S$1,540.46 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$1,693.52 | S$600.00 |
| ERGOSMART Comprehensive | S$1,822.41 | S$500.00 |
No online price for this driver: Allianz (This insurer's online price is for main drivers aged up to 75); ECICS (ECICS quotes main drivers aged 26 to 70 online); Etiqa (This insurer has no online price for this car model yet); 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's online price is for main drivers aged up to 74); Liberty (This insurer's online price is for main drivers aged up to 75); 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$1,540.46 | the same |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,112.84 | −S$427.62 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,694.51 | +S$154.05 |
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 2.0 times what a 40-year-old with the same 50% NCD pays (S$764.82).
- The car matters too: insurers group models by value, repair costs and claims; the Volvo V40 Cross Country has a 1,560cc engine.
- 11 insurers do not quote this driver online on this car: Allianz (This insurer's online price is for main drivers aged up to 75); ECICS (ECICS quotes main drivers aged 26 to 70 online); Etiqa (This insurer has no online price for this car model yet); 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's online price is for main drivers aged up to 74); Liberty (This insurer's online price is for main drivers aged up to 75); 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 MS First Capital has been cheapest throughout.
The Volvo V40 Cross Country
- Priced as a Volvo V40 Cross Country D2 (1,560cc), registered 3 years ago.
- With a 1,560cc engine, the Volvo V40 Cross Country D2 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$719.44 a year for a 1,560cc engine, before any surcharge for a car over 10 years old.
- For a 78-year-old with a 50% NCD, the Volvo V40 Cross Country is the 485th cheapest of 578 car models to insure. Among 309 cars up to 1,600cc it is 297th cheapest, 38% more than the middle price of S$1,118.69.
- Volvo V40 Cross Country review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Sienta | S$988.74 | MS First Capital |
| Toyota Corolla Altis | S$1,014.38 | Singlife |
| Honda Freed | S$1,104.63 | AIG |
| Mercedes-Benz C-Class | S$1,118.69 | Singlife |
| Hyundai Kona | S$1,127.77 | Singlife |
| BMW X1 | S$1,144.00 | Singlife |
| Mazda 3 | S$1,170.74 | Singlife |
| Mercedes-Benz GLB | S$1,191.29 | AIG |
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 Volvo V40 Cross Country for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Volvo V40 Cross Country insurance for a 78-year-old with a 50% NCD?
From S$1,540.46 a year today at MS First Capital, up to S$1,822.41 at ERGO, across the 3 insurers that quote this driver online. That is for a driver aged 78, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old Volvo V40 Cross Country D2, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2.0 times the S$764.82 a 40-year-old with a 50% NCD and no claims pays for the same Volvo V40 Cross Country.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and MS First Capital has been cheapest throughout.
Which insurers do not quote a 78-year-old with a 50% NCD for a Volvo V40 Cross Country online?
Allianz (This insurer's online price is for main drivers aged up to 75); ECICS (ECICS quotes main drivers aged 26 to 70 online); Etiqa (This insurer has no online price for this car model yet); 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's online price is for main drivers aged up to 74); Liberty (This insurer's online price is for main drivers aged up to 75); 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.