Car insurance
ECICS vs UOI car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, ECICS was cheaper on 9, UOI on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ECICS | UOI |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$843.91Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,106.58UniCar Comprehensive Valueas at 18 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,275.86Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,745.35UniCar Comprehensive Valueas at 18 Oct 2026 |
| BMW 320i, 50% NCD | S$857.64Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,200.89UniCar Comprehensive Valueas at 18 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$895.05Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,134.45UniCar Comprehensive Valueas at 18 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$1,724.74UniCar Comprehensive Valueas at 18 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$1,062.36UniCar Comprehensive Valueas at 18 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$909.62Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,201.89UniCar Comprehensive Valueas at 18 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$797.41Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,172.51UniCar Comprehensive Valueas at 18 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | No online price | S$1,036.42UniCar Comprehensive Valueas at 18 Oct 2026 |
| Honda Freed, 3 years old, 50% no-claim discount | S$973.70Comprehensiveas at 22 Oct 2026code SPECIAL15 | S$1,010.95UniCar Comprehensive Valueas at 18 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 | UOI |
|---|---|---|
| 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 | UOI authorised workshops only |
| Windscreen | Unlimited windscreen / sunroof / moonroof cover, excess S$100 each and every claim | Covered: full cost of reinstating windscreen or window glass, windscreen excess as in the schedule (waived if repaired instead of replaced) |
| 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 insured driver (S$10,000 each unnamed passenger) |
| 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 UOI cheaper for car insurance?
Of the 9 examples both price, ECICS was cheaper on 9, UOI on 0. Your own answers can change the order, so get your own quote.
How does ECICS's cover compare with UOI's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (ECICS Comprehensive, UOI UniCar Comprehensive Value): 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, UOI UOI authorised workshops only; Windscreen: ECICS Unlimited windscreen / sunroof / moonroof cover, excess S$100 each and every claim, UOI Covered: full cost of reinstating windscreen or window glass, windscreen excess as in the schedule (waived if repaired instead of replaced); 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), UOI S$20,000 insured driver (S$10,000 each unnamed passenger); Excess: ECICS S$750.00, UOI S$500.00.
What discounts are ECICS and UOI running?
ECICS: Promo code SPECIAL15: 15% off. UOI: none to show.