Car insurance
ECICS vs MS First Capital car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, ECICS was cheaper on 5, MS First Capital on 4. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ECICS | MS First Capital |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$843.91Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$732.08Comprehensiveas at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,275.86Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,516.41Comprehensiveas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$857.64Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,140.56Comprehensiveas 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$776.66Comprehensiveas 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$927.36Comprehensiveas at 20 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$754.04Comprehensiveas 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$1,283.72Comprehensiveas at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$797.41Comprehensiveas at 22 Oct 2026code SPECIAL15 | 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 | S$973.70Comprehensiveas at 22 Oct 2026code SPECIAL15 | 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 | ECICS | MS First Capital |
|---|---|---|
| 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 (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 | Unlimited windscreen / sunroof / moonroof cover, excess S$100 each and every claim | Covered for its full value; S$100 excess per claim |
| 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) | Up to S$20,000; medical expenses up to S$300 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
- ECICS: Promo code SPECIAL15: 15% off
- 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 ECICS or MS First Capital cheaper for car insurance?
Of the 9 examples both price, ECICS was cheaper on 5, MS First Capital on 4. Your own answers can change the order, so get your own quote.
How does ECICS's cover compare with MS First Capital's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (ECICS Comprehensive, MS First Capital 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, 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: ECICS Unlimited windscreen / sunroof / moonroof cover, excess S$100 each and every claim, MS First Capital Covered for its full value; S$100 excess per claim; 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), MS First Capital Up to S$20,000; medical expenses up to S$300 per person; Excess: ECICS S$750.00, MS First Capital S$500.00.
What discounts are ECICS and MS First Capital running?
ECICS: Promo code SPECIAL15: 15% off. MS First Capital: none to show.