The Jaguar XJ8 is a long-wheelbase luxury saloon with a V8 engine. It is no longer on the new-car list, so most buyers today look at used cars. With a 3.5-litre engine, road tax is a big yearly bill, and insurance prices vary widely. Both are covered below.
The insurance figures are examples for one stated driver, as of 1 November 2026. They are a guide to the spread, not a quote.
The car on our form
There is no current new-car listing for the XJ8. So this review gives no list price, power or body type. The price page prices the XJ8 3.5 LWB, with a 3,555cc engine. It is the version most of our insurers quote.
For a used car, check the COE expiry and first registration dates. Both bear on the price.
Category B COE
The price page states that with a 3,555cc engine, above 1,600cc, the XJ8 3.5 LWB needs a Category B COE. Category B closed at S$131,901 in the October 2026 2nd round. Later rounds are on the COE page.
Road tax: the largest bill we can show
LTA's formula gives S$3,253.12 a year for 3,555cc, before any age surcharge. That is more than the lowest insurance price for the standard driver, by a wide margin.
The surcharge for older cars stacks on top:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
An XJ8 is likely to be past the 10-year mark. So the surcharge is worth working out before you commit. The road tax page does the sum.
Insurance on the standard profile
The Jaguar XJ8 price page prices this:
- Car: XJ8 3.5 LWB, 3 years old, private use, comprehensive cover
- Driver: aged 40, married, office job, 10 years' driving
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no add-ons
7 insurers price it. The lowest figure is S$1,210.83 a year. The dearest asks at least S$3,014.26, which is S$1,803.43 or 149% more. Prices include 9% GST.
The page splits into two groups. Four insurers sit between S$1,210.83 and S$1,930.89. The other three start at S$3,013.35. So which group you land in makes a large difference.
Twelve insurers on our panel have no online price for the XJ8. One does not offer this cover online, and another prices electric cars only. Several of the figures shown are estimates. A quote on your own details may come out a little different, so treat these as a guide to the spread.
Excess
The lowest premium carries a S$600 excess. The second-lowest carries S$2,500. Others range from S$500 to S$1,200. The plans in the upper group all carry S$600. So a lower price does not always mean a higher excess here, but check each one.
How the premium changes
The page shows the lowest price when one detail changes:
- No NCD (0%): S$2,367.04, S$1,156.21 more
- 20% NCD: S$1,894.80, S$683.97 more
- Driver aged 27, 3 years' driving, 30% NCD: S$2,476.31, S$1,265.48 more
- Driver aged 65, 20 years' driving: S$1,323.18, S$112.35 more, with 6 insurers pricing
- New car, registered this year: S$1,247.25, S$36.42 more, with 6 insurers pricing
- Car 8 years old: S$1,152.51, S$58.32 less
The young driver profile costs most, at 105% more. Losing NCD comes near. The same insurer gives the lowest price on every line. That suggests its rates sit well below the others for this car across most drivers.
What an older car means
Most XJ8 cars on the road will be older than three years. The 8-year-old line, at S$1,152.51, may be closer to what an owner sees. Our page does not price cars older than that, so ask for a quote on the car's real age.
Moving from 50% to 20% NCD adds S$683.97 to the lowest price. If you are thinking about a small claim on an older car, set it against that figure. The lost discount can outweigh a minor repair bill.
Beside other large-engined cars
Same driver and car age, the price page lists:
- Audi Roadjet Concept: S$1,524.39
- Audi RS Q8: S$2,154.12
- Audi SQ7: S$2,154.12
- Audi SQ8: S$1,370.00
- BMW 735i: S$1,061.44
- BMW 735Li: S$1,061.44
Their average lowest price is S$1,554.25. The XJ8 costs 22% less. Two of the six, the BMW 735i and 735Li, are cheaper to insure on these details. Other Jaguar models are on the Jaguar car insurance page.
Costs set by your own use
- Petrol: a V8 of this size; your bill depends on distance and pump prices.
- Parking: season parking at home and elsewhere. A long car may not fit every bay.
- ERP: depends on routes and times.
- Upkeep: an older luxury car may need costly parts. Ask for service records.
- Depreciation: what you pay against the COE life left.
Summary of yearly costs we can show
For the Jaguar XJ8 3.5 LWB:
- Road tax: S$3,253.12 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$1,210.83 a year (1 November 2026)
- Insurance, a car 8 years old: from S$1,152.51
- Insurance, no NCD: from S$2,367.04
Category B COE in the October 2026 2nd round: S$131,901.
Before you buy: car insurance for the Jaguar XJ8
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Jaguar XJ8 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.