Car insurance
Budget Direct vs MS First Capital car insurance
As of 28 Oct 2026 (Singapore time)
Of the 4 examples both price, Budget Direct was cheaper on 4, MS First Capital on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Budget Direct | MS First Capital |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$710.92Car Insurance – Comprehensiveas at 22 Oct 2026 | S$732.08Comprehensiveas at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$778.87Car Insurance – Comprehensiveas at 22 Oct 2026 | S$1,516.41Comprehensiveas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$999.03Car Insurance – Comprehensiveas at 22 Oct 2026 | S$1,140.56Comprehensiveas 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$776.66Comprehensiveas at 20 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | No online price | S$927.36Comprehensiveas at 20 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$754.04Comprehensiveas at 20 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | No online price | S$1,283.72Comprehensiveas at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | No online price | S$983.86Comprehensiveas at 20 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$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 | Budget Direct | MS First Capital |
|---|---|---|
| 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 (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 | Repair or replacement covered beyond the windscreen excess; a windscreen-only claim leaves your NCD untouched and carries no policy excess | Covered for its full value; S$100 excess per claim |
| 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 | Up to S$20,000; medical expenses up to S$300 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
- 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 Budget Direct or MS First Capital cheaper for car insurance?
Of the 4 examples both price, Budget Direct was cheaper on 4, MS First Capital on 0. Your own answers can change the order, so get your own quote.
How does Budget Direct's cover compare with MS First Capital's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (Budget Direct Car Insurance – Comprehensive, MS First Capital 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, 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: Budget Direct Repair or replacement covered beyond the windscreen excess; a windscreen-only claim leaves your NCD untouched and carries no policy excess, MS First Capital Covered for its full value; S$100 excess per claim; 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, MS First Capital Up to S$20,000; medical expenses up to S$300 per person; Excess: Budget Direct S$600.00, MS First Capital S$500.00.
What discounts are Budget Direct and MS First Capital running?
Budget Direct: none to show. MS First Capital: none to show.