The Fiat Panoroma is a rare sight on Singapore roads. If you own one, or are thinking of taking one over, this guide sets out the yearly costs that the facts let us show. It covers road tax, the COE rule and car insurance.
The insurance figures are examples, read as of 1 November 2026. They are for one stated driver and one car age. Your own quote will turn on your own details.
No current new-car listing
The new-car list has no entry for the Panoroma on sale now. So there is no list price, power figure or body type to report here. What the price page does show is the version insurers quote.
That version is the Fiat Panoroma 1.4, with a 1,368cc engine. It is the version most of the insurers quote online, so every insurance figure below is for it.
If your car is a different version, your premium and road tax may differ. Check the engine size on your log card before you compare.
The COE rule for this engine
Any car you register in Singapore needs a Certificate of Entitlement. The category depends on engine size and power.
The price page says the Panoroma 1.4, with its 1,368cc engine, needs a Category A COE if its power is 97kW (130bhp) or less. If its power is more, it needs a Category B COE.
In the October 2026 2nd round, Category A closed at S$132,004 and Category B at S$131,901. Results change every round. The COE page has the latest ones.
Road tax on a 1,368cc car
LTA works out road tax from engine capacity. For 1,368cc, the formula gives S$606.84 a year before any age surcharge.
Older cars pay more. Once a car passes 10 years, a surcharge goes on top:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
For a model no longer sold new, the surcharge may already apply to many cars still running. The road tax page works out other engine sizes and ages.
Insurance for the standard driver
The Fiat Panoroma price page prices one set of details:
- Car: Fiat Panoroma 1.4, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, 10 years of driving
- Record: 50% no-claim discount (NCD), no claims
- Repairs: at an authorised workshop, no options added
On these details, 5 insurers give a price. The lowest is S$651.23 a year. The insurer whose lowest plan costs most asks at least S$1,889.11. That is S$1,237.88 more, or 190% on top. All prices include 9% GST.
That is a wide spread for a small field. 14 insurers have no online price for this model. Some of them do not list it on their online quote at all.
Excess levels
The excess is your share of any claim. On this page it runs from S$500 to S$3,000. The lowest premium carries a S$1,200 excess. Several plans sit at S$600. The dearest plan has the S$3,000 excess.
So a low premium does not always mean a low bill after a claim. Some prices on the page are marked as estimates, which is worth noting too.
How the lowest price moves
The price page changes one detail at a time and shows the new lowest price:
- No NCD (0%): S$1,497.83, which is S$846.60 more
- 20% NCD: S$1,094.08, S$442.85 more
- Driver aged 27, 3 years' driving, 30% NCD: S$1,636.20, S$984.97 more
- Driver aged 65, 20 years' driving, 50% NCD: S$1,178.43, S$527.20 more, with 3 insurers pricing
- New car, registered this year: S$692.79, S$41.56 more, with 4 insurers pricing
- Car 8 years old: S$637.37, S$13.86 less
The younger driver profile costs most. The lowest price rises 151% for that driver. Losing the NCD comes close behind.
The older driver also pays much more here, partly because fewer insurers price that profile. An older car is the only change that lowers the figure.
Next to similar cars
The price page sets the Panoroma beside six cars of a similar engine size. Each is priced 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
Their average lowest price is S$749.36. The Panoroma comes in 13% below that, and none of the six is cheaper to insure on these details.
Keep in mind the field is smaller. The similar cars each have 10 to 16 insurers pricing them. The Panoroma has 5. Other Fiat models are on the Fiat car insurance page.
Costs that depend on you
Some costs vary so much from owner to owner that no single figure fits.
- Parking: season parking at your HDB block or condo, plus parking at work and when you go out.
- Petrol: set by how far you drive and pump prices.
- ERP: depends on your routes and the time of day.
- Servicing and parts: an uncommon model may mean a longer wait for parts. Ask a workshop about this before you commit.
- Depreciation: what the car loses turns on what you pay and how much COE life is left.
Summary of yearly costs we can show
For the Fiat Panoroma 1.4, as of 1 November 2026 unless dated otherwise:
- Road tax: S$606.84 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$651.23 a year
- Insurance, no NCD: from S$1,497.83
- Insurance, driver aged 27: from S$1,636.20
- Insurance, car 8 years old: from S$637.37
For reference, the COE in the October 2026 2nd round was S$132,004 for Category A and S$131,901 for Category B.
Before you buy: car insurance for the Fiat Panoroma
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Fiat Panoroma 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.