Car insurance
ERGO vs Etiqa car insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, ERGO was cheaper on 2, Etiqa on 6. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | Etiqa |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$790.88SMART Comprehensiveas at 23 Oct 2026 | S$725.20Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 |
| Honda Vezel 1.5, 20% NCD | S$1,516.01SMART Comprehensiveas at 23 Oct 2026 | S$1,373.01Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 |
| BMW 320i, 50% NCD | S$1,186.67SMART Comprehensiveas at 23 Oct 2026 | S$1,907.88Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$790.88SMART Comprehensiveas at 23 Oct 2026 | S$753.48Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | S$961.25SMART Comprehensiveas at 23 Oct 2026 | No online price |
| BYD ATTO 3, 3 years old, 50% no-claim discount | No online price | S$2,072.07Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 |
| BYD M6, 3 years old, 50% no-claim discount | No online price | S$2,112.88Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$876.76SMART Comprehensiveas at 23 Oct 2026 | S$767.00Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$910.85SMART Comprehensiveas at 23 Oct 2026 | S$887.36Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$1,006.62SMART Comprehensiveas at 23 Oct 2026 | S$2,636.48Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | No online price | S$913.13Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 |
| Honda Freed, 3 years old, 50% no-claim discount | S$1,180.67SMART Comprehensiveas at 23 Oct 2026 | S$862.88Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 |
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 | ERGO | Etiqa |
|---|---|---|
| Repairs at | ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered) | Etiqa authorised workshops (repairs anywhere need Tiq's 'My Workshop' option, shown as its own card under Repairs at: any workshop) |
| Windscreen | Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered | Unlimited windscreen cover, S$100 excess for each replacement |
| Personal accident (driver) | S$50,000 (medical expenses up to S$500 per person) | Up to S$50,000 for the policyholder (medical expenses up to S$1,000 per person) |
| Excess | S$500.00 | S$2,500.00 |
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 ERGO or Etiqa cheaper for car insurance?
Of the 8 examples both price, ERGO was cheaper on 2, Etiqa on 6. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with Etiqa's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (ERGO SMART Comprehensive, Etiqa Private Car Insurance – Comprehensive (Authorised Workshop)): Repairs at: ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered), Etiqa Etiqa authorised workshops (repairs anywhere need Tiq's 'My Workshop' option, shown as its own card under Repairs at: any workshop); Windscreen: ERGO Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered, Etiqa Unlimited windscreen cover, S$100 excess for each replacement; Personal accident (driver): ERGO S$50,000 (medical expenses up to S$500 per person), Etiqa Up to S$50,000 for the policyholder (medical expenses up to S$1,000 per person); Excess: ERGO S$500.00, Etiqa S$2,500.00.
What discounts are ERGO and Etiqa running?
ERGO: none to show. Etiqa: Promo code TIQCAR20: 20% off.