Car insurance
ERGO vs HL Assurance car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, ERGO was cheaper on 1, HL Assurance on 8. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | HL Assurance |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$790.88SMART Comprehensiveas at 23 Oct 2026 | S$698.03Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,516.01SMART Comprehensiveas at 23 Oct 2026 | S$1,557.47Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$1,186.67SMART Comprehensiveas at 23 Oct 2026 | S$892.67Car Protect360 Comprehensiveas 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$713.21Car Protect360 Comprehensiveas 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$730.18Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | No online price | S$1,290.96Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BYD M6, 3 years old, 50% no-claim discount | No online price | S$1,398.55Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$876.76SMART Comprehensiveas at 23 Oct 2026 | S$674.30Car Protect360 Comprehensiveas 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$806.41Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$1,006.62SMART Comprehensiveas at 23 Oct 2026 | 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$1,180.67SMART Comprehensiveas at 23 Oct 2026 | 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 | ERGO | HL Assurance |
|---|---|---|
| Repairs at | ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered) | 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 | Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered | Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer |
| Personal accident (driver) | S$50,000 (medical expenses up to S$500 per person) | 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$500.00 | S$1,200.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- ERGO: none to show
- 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 ERGO or HL Assurance cheaper for car insurance?
Of the 9 examples both price, ERGO was cheaper on 1, HL Assurance on 8. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with HL Assurance's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (ERGO SMART Comprehensive, HL Assurance Car Protect360 Comprehensive): Repairs at: ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered), 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: ERGO Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered, HL Assurance Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer; Personal accident (driver): ERGO S$50,000 (medical expenses up to S$500 per person), 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: ERGO S$500.00, HL Assurance S$1,200.00.
What discounts are ERGO and HL Assurance running?
ERGO: none to show. HL Assurance: 25% off.