Car insurance
AIG vs ERGO car insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, AIG was cheaper on 7, ERGO on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | AIG | ERGO |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$721.67AIG Car Insurance Collision Onlyas at 21 Oct 2026 | S$790.88SMART Comprehensiveas at 23 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,416.13AIG Car Insurance Collision Onlyas at 21 Oct 2026 | S$1,516.01SMART Comprehensiveas at 23 Oct 2026 |
| BMW 320i, 50% NCD | S$862.23AIG Car Insurance Collision Onlyas at 21 Oct 2026 | S$1,186.67SMART Comprehensiveas at 23 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$732.80AIG Car Insurance Collision Onlyas at 21 Oct 2026 | S$790.88SMART Comprehensiveas at 23 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | No online price | S$961.25SMART Comprehensiveas at 23 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | S$789.73AIG Car Insurance Collision Onlyas at 21 Oct 2026 | No online price |
| BYD M6, 3 years old, 50% no-claim discount | S$799.24AIG Car Insurance Collision Onlyas at 21 Oct 2026 | No online price |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$869.06AIG Car Insurance Collision Onlyas at 21 Oct 2026 | S$876.76SMART Comprehensiveas at 23 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$1,064.16AIG Car Insurance Collision Onlyas at 21 Oct 2026 | S$910.85SMART Comprehensiveas at 23 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$871.96AIG Car Insurance Collision Onlyas at 21 Oct 2026 | S$1,006.62SMART Comprehensiveas at 23 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | S$840.22AIG Car Insurance Collision Onlyas at 21 Oct 2026 | No online price |
| Honda Freed, 3 years old, 50% no-claim discount | S$748.37AIG Car Insurance Collision Onlyas at 21 Oct 2026 | S$1,180.67SMART Comprehensiveas at 23 Oct 2026 |
All prices include 9% GST.
These are example prices for the details above. Your own price depends on your answers.
Cover side by side
| Cover | AIG | ERGO |
|---|---|---|
| Repairs at | AIG authorised workshops only | ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered) |
| Windscreen | Optional add-on (S$60 a year before GST on the sampled quotes; S$100 excess) | Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered |
| Personal accident (driver) | Not included in the online plans | S$50,000 (medical expenses up to S$500 per person) |
| Excess | S$600.00 | S$500.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is AIG or ERGO cheaper for car insurance?
Of the 8 examples both price, AIG was cheaper on 7, ERGO on 1. Your own answers can change the order, so get your own quote.
How does AIG's cover compare with ERGO's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (AIG AIG Car Insurance Collision Only, ERGO SMART Comprehensive): Repairs at: AIG AIG authorised workshops only, ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered); Windscreen: AIG Optional add-on (S$60 a year before GST on the sampled quotes; S$100 excess), ERGO Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered; Personal accident (driver): AIG Not included in the online plans, ERGO S$50,000 (medical expenses up to S$500 per person); Excess: AIG S$600.00, ERGO S$500.00.
What discounts are AIG and ERGO running?
AIG: none to show. ERGO: none to show.