Allianz vs HL Assurance car insurance

Of the 12 examples both price, Allianz was cheaper on 4, HL Assurance on 8. Your own answers can change the order, so get your own quote.

On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (Allianz Allianz Motor Protect Comprehensive, HL Assurance Car Protect360 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, HL Assurance Any workshop; own-damage excess is halved at an HL Assurance Approved Workshop (see Excess; a S$3,000 young or inexperienced driver excess applies on top to drivers under 27 or licensed under 2 years); Windscreen: Allianz Unlimited windscreen cover; S$100 excess for each replacement, no excess for a repair; does not affect the No Claim Discount, HL Assurance Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer; 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, HL Assurance S$20,000 for the policyholder, S$10,000 for an authorised driver and S$10,000 a passenger; medical expenses S$1,000 each; Excess: Allianz S$2,000.00, HL Assurance S$1,200.00.

Allianz: none to show. HL Assurance: 25% off.