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Car insurance

DirectAsia vs HL Assurance car insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, DirectAsia was cheaper on 3, HL Assurance on 9. Your own answers can change the order, so get your own quote.

Lowest price on each example

Each insurer's cheapest plan for the example, with any discount it is running taken off.
ExampleDirectAsiaHL Assurance
Toyota Corolla Altis 1.6, 50% NCDS$976.44Car Insurance – Comprehensive, Value planas at 21 Oct 2026S$698.03Car Protect360 Comprehensiveas at 20 Oct 2026
Honda Vezel 1.5, 20% NCDS$953.92Car Insurance – Comprehensive, Value planas at 21 Oct 2026S$1,557.47Car Protect360 Comprehensiveas at 20 Oct 2026
BMW 320i, 50% NCDS$1,157.56Car Insurance – Comprehensive, Value planas at 21 Oct 2026S$892.67Car Protect360 Comprehensiveas at 20 Oct 2026
Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discountS$976.44Car Insurance – Comprehensive, Value planas at 21 Oct 2026S$713.21Car Protect360 Comprehensiveas at 20 Oct 2026
Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discountS$1,193.46Car Insurance – Comprehensive, Value planas at 21 Oct 2026S$730.18Car Protect360 Comprehensiveas at 20 Oct 2026
BYD ATTO 3, 3 years old, 50% no-claim discountS$1,207.68Car Insurance – Comprehensive, Value planas at 21 Oct 2026S$1,290.96Car Protect360 Comprehensiveas at 20 Oct 2026
BYD M6, 3 years old, 50% no-claim discountS$1,208.59Car Insurance – Comprehensive, Value planas at 21 Oct 2026S$1,398.55Car Protect360 Comprehensiveas at 20 Oct 2026
Toyota Sienta, 3 years old, 50% no-claim discountS$976.44Car Insurance – Comprehensive, Value planas at 21 Oct 2026S$674.30Car Protect360 Comprehensiveas at 20 Oct 2026
Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discountS$1,228.81Car Insurance – Comprehensive, Value planas at 21 Oct 2026S$806.41Car Protect360 Comprehensiveas at 20 Oct 2026
BMW X1 sDrive16, 3 years old, 50% no-claim discountS$1,194.51Car Insurance – Comprehensive, Value planas at 21 Oct 2026S$804.86Car Protect360 Comprehensiveas at 20 Oct 2026
Mercedes-Benz GLB 200, 3 years old, 50% no-claim discountS$1,026.94Car Insurance – Comprehensive, Value planas at 21 Oct 2026S$822.26Car Protect360 Comprehensiveas at 20 Oct 2026
Honda Freed, 3 years old, 50% no-claim discountS$1,065.51Car Insurance – Comprehensive, Value planas at 21 Oct 2026S$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

Each insurer's cheapest plan for toyota Corolla Altis 1.6, 50% NCD: DirectAsia Car Insurance – Comprehensive, Value plan, HL Assurance Car Protect360 Comprehensive.
CoverDirectAsiaHL Assurance
Repairs atDirectAsia's authorised workshops (its My Workshop option, a tenth more, lets you choose your own)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)
WindscreenRepair or replacement covered; a windscreen claim does not affect your No Claim Discount (windscreen excess applies)Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer
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 siteS$20,000 for the policyholder, S$10,000 for an authorised driver and S$10,000 a passenger; medical expenses S$1,000 each
ExcessS$800.00S$1,200.00

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.

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Questions people ask

Is DirectAsia or HL Assurance cheaper for car insurance?

Of the 12 examples both price, DirectAsia was cheaper on 3, HL Assurance on 9. Your own answers can change the order, so get your own quote.

How does DirectAsia's cover compare with HL Assurance's?

On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (DirectAsia Car Insurance – Comprehensive, Value plan, HL Assurance Car Protect360 Comprehensive): Repairs at: DirectAsia DirectAsia's authorised workshops (its My Workshop option, a tenth more, lets you choose your own), 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: DirectAsia Repair or replacement covered; a windscreen claim does not affect your No Claim Discount (windscreen excess applies), HL Assurance Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer; 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, 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: DirectAsia S$800.00, HL Assurance S$1,200.00.

What discounts are DirectAsia and HL Assurance running?

DirectAsia: none to show. HL Assurance: 25% off.