Car insurance
Budget Direct vs ERGO car insurance
As of 28 Oct 2026 (Singapore time)
Of the 4 examples both price, Budget Direct was cheaper on 4, ERGO on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Budget Direct | ERGO |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$710.92Car Insurance – Comprehensiveas at 22 Oct 2026 | S$790.88SMART Comprehensiveas at 23 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$778.87Car Insurance – Comprehensiveas at 22 Oct 2026 | S$1,516.01SMART Comprehensiveas at 23 Oct 2026 |
| BMW 320i, 50% NCD | S$999.03Car Insurance – Comprehensiveas at 22 Oct 2026 | S$1,186.67SMART Comprehensiveas at 23 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$710.92Car Insurance – Comprehensiveas at 22 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 | No online price | 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 | No online price | S$876.76SMART Comprehensiveas at 23 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | No online price | S$910.85SMART Comprehensiveas at 23 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | No online price | 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 | Budget Direct | ERGO |
|---|---|---|
| Repairs at | Budget Direct's authorised workshops and approved repair centres; repairs at a workshop of your choice need its optional Any Workshop cover, priced on its site | ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered) |
| Windscreen | Repair or replacement covered beyond the windscreen excess; a windscreen-only claim leaves your NCD untouched and carries no policy 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 this price: Budget Direct's optional personal accident cover, bought on its site, pays a share of the limit on your policy summary for death or loss of sight or limbs | 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
- Budget Direct: none to show
- ERGO: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is Budget Direct or ERGO cheaper for car insurance?
Of the 4 examples both price, Budget Direct was cheaper on 4, ERGO on 0. Your own answers can change the order, so get your own quote.
How does Budget Direct's cover compare with ERGO's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (Budget Direct Car Insurance – Comprehensive, ERGO SMART Comprehensive): Repairs at: Budget Direct Budget Direct's authorised workshops and approved repair centres; repairs at a workshop of your choice need its optional Any Workshop cover, priced on its site, ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered); Windscreen: Budget Direct Repair or replacement covered beyond the windscreen excess; a windscreen-only claim leaves your NCD untouched and carries no policy 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): Budget Direct Not included in this price: Budget Direct's optional personal accident cover, bought on its site, pays a share of the limit on your policy summary for death or loss of sight or limbs, ERGO S$50,000 (medical expenses up to S$500 per person); Excess: Budget Direct S$600.00, ERGO S$500.00.
What discounts are Budget Direct and ERGO running?
Budget Direct: none to show. ERGO: none to show.