Car insurance
Allianz vs MS First Capital car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, Allianz was cheaper on 4, MS First Capital on 5. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Allianz | MS First Capital |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$873.27Allianz Motor Protect Comprehensiveas at 21 Oct 2026 | S$732.08Comprehensiveas at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,321.03Allianz Motor Protect Comprehensiveas at 21 Oct 2026 | S$1,516.41Comprehensiveas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$1,177.05Allianz Motor Protect Comprehensiveas at 21 Oct 2026 | S$1,140.56Comprehensiveas at 20 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$776.66Comprehensiveas at 20 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$927.36Comprehensiveas at 20 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$754.04Comprehensiveas at 20 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$1,283.72Comprehensiveas at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$1,295.90Allianz Motor Protect Comprehensiveas at 21 Oct 2026 | S$983.86Comprehensiveas at 20 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$900.37Comprehensiveas at 20 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 | MS First Capital |
|---|---|---|
| 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 | Any workshop (the online quote is on an any-workshop basis); own-damage excess S$500 for named drivers, S$700 for unnamed drivers; S$3,500 for drivers under 22 or with under 2 years' licence |
| Windscreen | Unlimited windscreen cover; S$100 excess for each replacement, no excess for a repair; does not affect the No Claim Discount | Covered for its full value; S$100 excess per claim |
| 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 | Up to S$20,000; medical expenses up to S$300 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
- Allianz: none to show
- MS First Capital: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is Allianz or MS First Capital cheaper for car insurance?
Of the 9 examples both price, Allianz was cheaper on 4, MS First Capital on 5. Your own answers can change the order, so get your own quote.
How does Allianz's cover compare with MS First Capital's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (Allianz Allianz Motor Protect Comprehensive, MS First Capital 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, MS First Capital Any workshop (the online quote is on an any-workshop basis); own-damage excess S$500 for named drivers, S$700 for unnamed drivers; S$3,500 for drivers under 22 or with under 2 years' licence; Windscreen: Allianz Unlimited windscreen cover; S$100 excess for each replacement, no excess for a repair; does not affect the No Claim Discount, MS First Capital Covered for its full value; S$100 excess per claim; 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, MS First Capital Up to S$20,000; medical expenses up to S$300 per person; Excess: Allianz S$2,000.00, MS First Capital S$500.00.
What discounts are Allianz and MS First Capital running?
Allianz: none to show. MS First Capital: none to show.