Car insurance
ECICS vs ERGO car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, ECICS was cheaper on 7, ERGO on 2. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ECICS | ERGO |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$843.91Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$790.88SMART Comprehensiveas at 23 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,275.86Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,516.01SMART Comprehensiveas at 23 Oct 2026 |
| BMW 320i, 50% NCD | S$857.64Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,186.67SMART Comprehensiveas at 23 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$895.05Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$790.88SMART Comprehensiveas at 23 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | S$856.17Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$961.25SMART Comprehensiveas at 23 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | S$1,142.03Comprehensiveas at 22 Oct 2026code SPECIAL15 | No online price |
| BYD M6, 3 years old, 50% no-claim discount | S$1,076.76Comprehensiveas at 22 Oct 2026code SPECIAL15 | No online price |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$856.18Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$876.76SMART Comprehensiveas at 23 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$909.62Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$910.85SMART Comprehensiveas at 23 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$797.41Comprehensiveas at 22 Oct 2026code SPECIAL15 | 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 | S$973.70Comprehensiveas at 22 Oct 2026code SPECIAL15 | 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 | ECICS | ERGO |
|---|---|---|
| Repairs at | Your choice: ECICS Authorised Workshops (the lower price) or any workshop (the "Any Workshops" add-on, +40% of the premium, +16.5% for a BYD); own-damage excess S$750 (adjustable); on the first accident claim of the policy year, with you or a named driver driving and the repair at an ECICS Authorised Workshop, ECICS waives up to S$750 of it at 30% NCD or more, or up to S$250 below 30% if you send the in-car camera footage within 3 working days | ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered) |
| Windscreen | Unlimited windscreen / sunroof / moonroof cover, excess S$100 each and every claim | Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered |
| Personal accident (driver) | Up to S$50,000 for insured / named driver; Personal Accident+ add-on (+S$30,000 / +S$60,000 / +S$100,000) | S$50,000 (medical expenses up to S$500 per person) |
| Excess | S$750.00 | S$500.00 |
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.
Get your own quoteQuestions people ask
Is ECICS or ERGO cheaper for car insurance?
Of the 9 examples both price, ECICS was cheaper on 7, ERGO on 2. Your own answers can change the order, so get your own quote.
How does ECICS's cover compare with ERGO's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (ECICS Comprehensive, ERGO SMART Comprehensive): Repairs at: ECICS Your choice: ECICS Authorised Workshops (the lower price) or any workshop (the "Any Workshops" add-on, +40% of the premium, +16.5% for a BYD); own-damage excess S$750 (adjustable); on the first accident claim of the policy year, with you or a named driver driving and the repair at an ECICS Authorised Workshop, ECICS waives up to S$750 of it at 30% NCD or more, or up to S$250 below 30% if you send the in-car camera footage within 3 working days, ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered); Windscreen: ECICS Unlimited windscreen / sunroof / moonroof cover, excess S$100 each and every claim, 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): ECICS Up to S$50,000 for insured / named driver; Personal Accident+ add-on (+S$30,000 / +S$60,000 / +S$100,000), ERGO S$50,000 (medical expenses up to S$500 per person); Excess: ECICS S$750.00, ERGO S$500.00.
What discounts are ECICS and ERGO running?
ECICS: Promo code SPECIAL15: 15% off. ERGO: none to show.