Car insurance
ERGO vs FWD car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, ERGO was cheaper on 3, FWD on 6. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | FWD |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$790.88SMART Comprehensiveas at 23 Oct 2026 | S$866.72Drivo Classicas at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,516.01SMART Comprehensiveas at 23 Oct 2026 | S$1,330.61Drivo Classicas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$1,186.67SMART Comprehensiveas at 23 Oct 2026 | S$969.74Drivo Classicas at 20 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$790.88SMART Comprehensiveas at 23 Oct 2026 | S$866.72Drivo Classicas at 20 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | S$961.25SMART Comprehensiveas at 23 Oct 2026 | S$928.89Drivo Classicas at 20 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | No online price | S$1,590.65eDrivo Advantageas at 20 Oct 2026 |
| BYD M6, 3 years old, 50% no-claim discount | No online price | S$1,499.34eDrivo Advantageas at 20 Oct 2026 |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$876.76SMART Comprehensiveas at 23 Oct 2026 | S$834.98Drivo Classicas at 20 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$910.85SMART Comprehensiveas at 23 Oct 2026 | S$928.33Drivo Classicas at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$1,006.62SMART Comprehensiveas at 23 Oct 2026 | S$979.33Drivo Classicas at 20 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | No online price | S$986.48Drivo Classicas at 20 Oct 2026 |
| Honda Freed, 3 years old, 50% no-claim discount | S$1,180.67SMART Comprehensiveas at 23 Oct 2026 | S$1,019.78Drivo Classicas 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 | ERGO | FWD |
|---|---|---|
| Repairs at | ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered) | Authorised workshops chosen by Income Insurance |
| 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 windscreen excess per claim |
| Personal accident (driver) | S$50,000 (medical expenses up to S$500 per person) | Personal accident benefits up to S$50,000; medical expenses up to S$1,000 |
| Excess | S$500.00 | S$600.00 |
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 FWD cheaper for car insurance?
Of the 9 examples both price, ERGO was cheaper on 3, FWD on 6. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with FWD's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (ERGO SMART Comprehensive, FWD Drivo Classic): Repairs at: ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered), FWD Authorised workshops chosen by Income Insurance; Windscreen: ERGO Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered, FWD Unlimited windscreen cover; S$100 windscreen excess per claim; Personal accident (driver): ERGO S$50,000 (medical expenses up to S$500 per person), FWD Personal accident benefits up to S$50,000; medical expenses up to S$1,000; Excess: ERGO S$500.00, FWD S$600.00.
What discounts are ERGO and FWD running?
ERGO: none to show. FWD: none to show.