Car insurance
Budget Direct vs HL Assurance car insurance
As of 28 Oct 2026 (Singapore time)
Of the 4 examples both price, Budget Direct was cheaper on 2, HL Assurance on 2. Neither is cheaper overall. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Budget Direct | HL Assurance |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$710.92Car Insurance – Comprehensiveas at 22 Oct 2026 | S$698.03Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$778.87Car Insurance – Comprehensiveas at 22 Oct 2026 | S$1,557.47Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$999.03Car Insurance – Comprehensiveas at 22 Oct 2026 | S$892.67Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$710.92Car Insurance – Comprehensiveas at 22 Oct 2026 | S$713.21Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | No online price | S$730.18Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | No online price | S$1,290.96Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BYD M6, 3 years old, 50% no-claim discount | No online price | S$1,398.55Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Toyota Sienta, 3 years old, 50% no-claim discount | No online price | S$674.30Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | No online price | S$806.41Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | No online price | S$804.86Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | No online price | S$822.26Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Honda Freed, 3 years old, 50% no-claim discount | No online price | S$756.48Car Protect360 Comprehensiveas 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 | Budget Direct | HL Assurance |
|---|---|---|
| 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 | 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 | Repair or replacement covered beyond the windscreen excess; a windscreen-only claim leaves your NCD untouched and carries no policy excess | Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer |
| 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$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 | S$600.00 | S$1,200.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- Budget Direct: none to show
- HL Assurance: 25% off
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is Budget Direct or HL Assurance cheaper for car insurance?
Of the 4 examples both price, Budget Direct was cheaper on 2, HL Assurance on 2. Neither is cheaper overall. Your own answers can change the order, so get your own quote.
How does Budget Direct's cover compare with HL Assurance's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (Budget Direct Car Insurance – Comprehensive, HL Assurance Car Protect360 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, 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: Budget Direct Repair or replacement covered beyond the windscreen excess; a windscreen-only claim leaves your NCD untouched and carries no policy excess, HL Assurance Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer; 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, 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: Budget Direct S$600.00, HL Assurance S$1,200.00.
What discounts are Budget Direct and HL Assurance running?
Budget Direct: none to show. HL Assurance: 25% off.