Car insurance
DirectAsia vs ERGO car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, DirectAsia was cheaper on 3, ERGO on 6. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | DirectAsia | ERGO |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$976.44Car Insurance – Comprehensive, Value planas at 21 Oct 2026 | S$790.88SMART Comprehensiveas at 23 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$953.92Car Insurance – Comprehensive, Value planas at 21 Oct 2026 | S$1,516.01SMART Comprehensiveas at 23 Oct 2026 |
| BMW 320i, 50% NCD | S$1,157.56Car Insurance – Comprehensive, Value planas at 21 Oct 2026 | S$1,186.67SMART Comprehensiveas at 23 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$976.44Car Insurance – Comprehensive, Value planas at 21 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$1,193.46Car Insurance – Comprehensive, Value planas at 21 Oct 2026 | S$961.25SMART Comprehensiveas at 23 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | S$1,207.68Car Insurance – Comprehensive, Value planas at 21 Oct 2026 | No online price |
| BYD M6, 3 years old, 50% no-claim discount | S$1,208.59Car Insurance – Comprehensive, Value planas at 21 Oct 2026 | No online price |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$976.44Car Insurance – Comprehensive, Value planas at 21 Oct 2026 | S$876.76SMART Comprehensiveas at 23 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$1,228.81Car Insurance – Comprehensive, Value planas at 21 Oct 2026 | S$910.85SMART Comprehensiveas at 23 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$1,194.51Car Insurance – Comprehensive, Value planas at 21 Oct 2026 | S$1,006.62SMART Comprehensiveas at 23 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | S$1,026.94Car Insurance – Comprehensive, Value planas at 21 Oct 2026 | No online price |
| Honda Freed, 3 years old, 50% no-claim discount | S$1,065.51Car Insurance – Comprehensive, Value planas at 21 Oct 2026 | 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 | DirectAsia | ERGO |
|---|---|---|
| Repairs at | DirectAsia's authorised workshops (its My Workshop option, a tenth more, lets you choose your own) | ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered) |
| Windscreen | Repair or replacement covered; a windscreen claim does not affect your No Claim Discount (windscreen excess applies) | 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; DirectAsia's optional driver personal accident cover (S$100,000) adds S$54.50 a year on its site | S$50,000 (medical expenses up to S$500 per person) |
| Excess | S$800.00 | S$500.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- DirectAsia: 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 DirectAsia or ERGO cheaper for car insurance?
Of the 9 examples both price, DirectAsia was cheaper on 3, ERGO on 6. Your own answers can change the order, so get your own quote.
How does DirectAsia's cover compare with ERGO's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (DirectAsia Car Insurance – Comprehensive, Value plan, ERGO SMART Comprehensive): Repairs at: DirectAsia DirectAsia's authorised workshops (its My Workshop option, a tenth more, lets you choose your own), ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered); Windscreen: DirectAsia Repair or replacement covered; a windscreen claim does not affect your No Claim Discount (windscreen excess applies), 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): DirectAsia Not included in this price; DirectAsia's optional driver personal accident cover (S$100,000) adds S$54.50 a year on its site, ERGO S$50,000 (medical expenses up to S$500 per person); Excess: DirectAsia S$800.00, ERGO S$500.00.
What discounts are DirectAsia and ERGO running?
DirectAsia: none to show. ERGO: none to show.