Car insurance
ECICS vs HL Assurance car insurance
As of 28 Oct 2026 (Singapore time)
Of the 11 examples both price, ECICS was cheaper on 5, HL Assurance on 6. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ECICS | HL Assurance |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$843.91Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$698.03Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,275.86Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,557.47Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$857.64Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$892.67Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$895.05Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$713.21Car Protect360 Comprehensiveas at 20 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$730.18Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | S$1,142.03Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,290.96Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BYD M6, 3 years old, 50% no-claim discount | S$1,076.76Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,398.55Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$856.18Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$674.30Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$909.62Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$806.41Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$797.41Comprehensiveas at 22 Oct 2026code SPECIAL15 | 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 | S$973.70Comprehensiveas at 22 Oct 2026code SPECIAL15 | 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 | ECICS | HL Assurance |
|---|---|---|
| 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 | 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 | Unlimited windscreen / sunroof / moonroof cover, excess S$100 each and every claim | Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer |
| 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$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$750.00 | S$1,200.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- ECICS: Promo code SPECIAL15: 15% off
- 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 ECICS or HL Assurance cheaper for car insurance?
Of the 11 examples both price, ECICS was cheaper on 5, HL Assurance on 6. Your own answers can change the order, so get your own quote.
How does ECICS's cover compare with HL Assurance's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (ECICS Comprehensive, HL Assurance Car Protect360 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, 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: ECICS Unlimited windscreen / sunroof / moonroof cover, excess S$100 each and every claim, HL Assurance Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer; 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), 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: ECICS S$750.00, HL Assurance S$1,200.00.
What discounts are ECICS and HL Assurance running?
ECICS: Promo code SPECIAL15: 15% off. HL Assurance: 25% off.