The Fiat Panorama is a seven-seat Fiat that is no longer sold new. If you own one or are weighing up a used one for a big household, the yearly costs are the ones to plan around.
This page covers the COE rule, road tax and car insurance. The insurance prices are examples for one stated driver, as of 1 November 2026, and not a quote.
The version priced
The new-car list has no Panorama on sale now. So we give no list price, power figure or body type.
The price page prices the Panorama 1.4 Active 7 Seat, with a 1,368cc engine. It is the version most of our insurers quote.
COE category
For the 1,368cc Panorama 1.4 Active 7 Seat, the price page says:
- Category A COE if its power is 97kW (130bhp) or less. Category A closed at S$132,004 in the October 2026, 2nd round.
- Category B COE if its power is more. Category B closed at S$131,901 in that round.
On a used car, the remaining COE years carry most of the value. The COE page shows the latest results.
Road tax
A 1,368cc engine pays S$606.84 a year on LTA's formula, checked on 2026-10-19, before any age surcharge.
Older cars pay extra:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
Other engine sizes are on the road tax page.
Insuring the Panorama
The Fiat Panorama price page prices this case:
- Car: Panorama 1.4 Active 7 Seat, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, driving 10 years
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no options
10 insurers price it, across 14 plans. The lowest premium is S$651.23 a year. The insurer whose lowest plan costs most asks at least S$1,889.11. That gap is S$1,237.88, or 190% on top. All prices include 9% GST.
For a model long out of the showrooms, that is a broad choice. Only two insurers have no online price. One holds a figure for a single standard driver only. One does not list the model.
Reading the excess column
The excess is what you pay towards each claim. On this page it runs from S$500 to S$3,000:
- S$651.23: S$1,200
- S$914.76: S$600
- Two plans from one insurer, S$980.60 and S$1,111.15: S$1,800. The lower one is named collision only
- S$994.97: S$2,500
- Most plans from S$1,038.09 to S$1,489.34: S$500 or S$600
- S$1,889.11: S$3,000
The dearest plan on the page also has the largest excess. A collision-only plan may cover less than a full comprehensive one, so compare what each includes. Several prices are estimates.
Changes that raise or lower the price
The price page shows the lowest price when one detail changes:
- Driver aged 27, 3 years' driving, 30% NCD: S$1,636.20, S$984.97 more
- No NCD (0%): S$1,497.83, S$846.60 more
- Driver aged 65, 20 years' driving: S$1,134.42, S$483.19 more, from 8 insurers
- 20% NCD: S$1,094.08, S$442.85 more
- A new car, registered this year: S$692.79, S$41.56 more, from 9 insurers
- A car 8 years old: S$637.37, S$13.86 less
A young driver is the costliest case, at 151% above the example. In a family car, that matters if a newly licensed son or daughter becomes the main driver. For the older driver, a different insurer has the lowest price.
The 8-year-old car line, nearest to most Panoramas still running, is a little below the example.
The NCD shapes the price as well. At 20% NCD the lowest price is S$442.85 above the example. With no NCD it is S$846.60 above. Keeping a clean record is the steadiest way to hold the premium down over the years.
These are lowest prices only.
Against similar cars
The price page sets 6 cars of similar engine size beside the Panorama, for the same driver and car age:
- Mercedes-Benz GLB: S$822.26
- BMW X1: S$763.00
- Honda Freed: S$756.48
- Mercedes-Benz C-Class: S$749.93
- Mazda 3: S$730.18
- Toyota Sienta: S$674.30
They average S$749.36. The Panorama is 13% below that, and none of the 6 is cheaper to insure on these details. The Honda Freed and Toyota Sienta are the closest in role, as small family carriers.
The cheapest cars to insure page lists more. Other Fiat models are on the Fiat car insurance page.
Costs you will set yourself
- Petrol: depends on your mileage, how often the car is full, and pump prices.
- Parking: season parking plus school runs, malls and weekends.
- ERP: set by your routes and timing.
- Parts and repairs: for a model no longer sold new, ask about parts and waiting times.
- End of COE: renewing or deregistering is a cost choice of its own on an older car.
Summary of yearly costs we can show
Fiat Panorama 1.4 Active 7 Seat:
- Road tax: S$606.84 a year before age surcharge (checked 2026-10-19)
- Insurance, example driver: from S$651.23 a year (as of 1 November 2026)
- Insurance, a car 8 years old: from S$637.37
- Insurance, driver aged 65: from S$1,134.42
- Insurance, driver aged 27: from S$1,636.20
COE for reference: Category A closed at S$132,004 and Category B at S$131,901 in the October 2026, 2nd round.
Before you buy: car insurance for the Fiat Panorama
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Fiat Panorama to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.