Car insurance
Singlife vs ERGO car insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, Singlife was cheaper on 2, ERGO on 6. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Singlife | ERGO |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$912.99Motor Liteas at 20 Oct 2026 | S$790.88SMART Comprehensiveas at 23 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,428.30Motor Liteas at 20 Oct 2026 | S$1,516.01SMART Comprehensiveas at 23 Oct 2026 |
| BMW 320i, 50% NCD | S$1,060.31Motor Liteas at 20 Oct 2026 | S$1,186.67SMART Comprehensiveas at 23 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$940.53Motor Liteas at 20 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$1,091.11Motor Liteas at 20 Oct 2026 | S$961.25SMART Comprehensiveas at 23 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | S$1,364.58Motor Liteas at 20 Oct 2026 | No online price |
| BYD M6, 3 years old, 50% no-claim discount | No online price | No online price |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$991.27Motor Liteas at 20 Oct 2026 | S$876.76SMART Comprehensiveas at 23 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$1,181.02Motor Liteas at 20 Oct 2026 | S$910.85SMART Comprehensiveas at 23 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$1,069.21Motor Liteas at 20 Oct 2026 | S$1,006.62SMART Comprehensiveas at 23 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | No online price | No online price |
| Honda Freed, 3 years old, 50% no-claim discount | No online price | 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 | Singlife | ERGO |
|---|---|---|
| Repairs at | Singlife approved repairer only | ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered) |
| Windscreen | Unlimited glass replacement at approved repairers (S$0 elsewhere), 1 windscreen claim, excess S$100 | 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 covered; Additional Personal Accident rider up to S$100,000 optional | S$50,000 (medical expenses up to S$500 per person) |
| Excess | S$3,000.00 | 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 Singlife or ERGO cheaper for car insurance?
Of the 8 examples both price, Singlife was cheaper on 2, ERGO on 6. Your own answers can change the order, so get your own quote.
How does Singlife's cover compare with ERGO's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (Singlife Motor Lite, ERGO SMART Comprehensive): Repairs at: Singlife Singlife approved repairer only, ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered); Windscreen: Singlife Unlimited glass replacement at approved repairers (S$0 elsewhere), 1 windscreen claim, excess S$100, 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): Singlife Not covered; Additional Personal Accident rider up to S$100,000 optional, ERGO S$50,000 (medical expenses up to S$500 per person); Excess: Singlife S$3,000.00, ERGO S$500.00.
What discounts are Singlife and ERGO running?
Singlife: none to show. ERGO: none to show.