Car insurance
Allianz vs ERGO car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, Allianz was cheaper on 5, ERGO on 4. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Allianz | ERGO |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$873.27Allianz Motor Protect Comprehensiveas at 21 Oct 2026 | S$790.88SMART Comprehensiveas at 23 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,321.03Allianz Motor Protect Comprehensiveas at 21 Oct 2026 | S$1,516.01SMART Comprehensiveas at 23 Oct 2026 |
| BMW 320i, 50% NCD | S$1,177.05Allianz Motor Protect Comprehensiveas 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$873.27Allianz Motor Protect Comprehensiveas 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 | S$924.88Allianz Motor Protect Comprehensiveas at 21 Oct 2026 | S$961.25SMART Comprehensiveas at 23 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | S$1,010.90Allianz Electric Motor Protect Comprehensiveas at 21 Oct 2026 | No online price |
| BYD M6, 3 years old, 50% no-claim discount | S$1,072.24Allianz Electric Motor Protect Comprehensiveas at 21 Oct 2026 | No online price |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$848.10Allianz Motor Protect Comprehensiveas 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$964.49Allianz Motor Protect Comprehensiveas at 21 Oct 2026 | S$910.85SMART Comprehensiveas at 23 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$1,295.90Allianz Motor Protect Comprehensiveas 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$664.09Allianz Motor Protect Comprehensiveas at 21 Oct 2026 | No online price |
| Honda Freed, 3 years old, 50% no-claim discount | S$806.68Allianz Motor Protect Comprehensiveas 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 | Allianz | ERGO |
|---|---|---|
| Repairs at | Allianz Authorised Workshop panel (lifetime warranty on repairs there); any workshop of your choice only with the optional Repairs at Any Workshop endorsement; authorised repair limit S$350 per accident without prior approval; own damage excess S$2,000, the highest Allianz offers online, and this price is quoted at it; a lower excess can be chosen on the Allianz quote page for a higher premium (from S$0 on most cars, S$600 on most electric cars, up to S$2,000 on high-powered cars); the endorsement is shown as its own card under Repairs at: any workshop | ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered) |
| Windscreen | Unlimited windscreen cover; S$100 excess for each replacement, no excess for a repair; does not affect the No Claim Discount | 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 as standard; optional Personal Accident and Medical Expenses add-on: S$50,000 for you (50% of that for an Authorised Driver) and S$25,000 for each passenger on death or permanent disability, medical expenses up to S$1,000 per passenger | S$50,000 (medical expenses up to S$500 per person) |
| Excess | S$2,000.00 | 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 Allianz or ERGO cheaper for car insurance?
Of the 9 examples both price, Allianz was cheaper on 5, ERGO on 4. Your own answers can change the order, so get your own quote.
How does Allianz's cover compare with ERGO's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (Allianz Allianz Motor Protect Comprehensive, ERGO SMART Comprehensive): Repairs at: Allianz Allianz Authorised Workshop panel (lifetime warranty on repairs there); any workshop of your choice only with the optional Repairs at Any Workshop endorsement; authorised repair limit S$350 per accident without prior approval; own damage excess S$2,000, the highest Allianz offers online, and this price is quoted at it; a lower excess can be chosen on the Allianz quote page for a higher premium (from S$0 on most cars, S$600 on most electric cars, up to S$2,000 on high-powered cars); the endorsement is shown as its own card under Repairs at: any workshop, ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered); Windscreen: Allianz Unlimited windscreen cover; S$100 excess for each replacement, no excess for a repair; does not affect the No Claim Discount, 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): Allianz Not included as standard; optional Personal Accident and Medical Expenses add-on: S$50,000 for you (50% of that for an Authorised Driver) and S$25,000 for each passenger on death or permanent disability, medical expenses up to S$1,000 per passenger, ERGO S$50,000 (medical expenses up to S$500 per person); Excess: Allianz S$2,000.00, ERGO S$500.00.
What discounts are Allianz and ERGO running?
Allianz: none to show. ERGO: none to show.