Car insurance
ERGO vs India International car insurance
As of 28 Oct 2026 (Singapore time)
Of the 7 examples both price, ERGO was cheaper on 0, India International on 7. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | India International |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$790.88SMART Comprehensiveas at 23 Oct 2026 | S$604.07Comprehensive (any workshop or authorised workshops)as at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,516.01SMART Comprehensiveas at 23 Oct 2026 | No online price |
| BMW 320i, 50% NCD | S$1,186.67SMART Comprehensiveas at 23 Oct 2026 | S$811.71Comprehensive (any workshop or authorised workshops)as 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$642.42Comprehensive (any workshop or authorised workshops)as 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 | No online price |
| BYD ATTO 3, 3 years old, 50% no-claim discount | No online price | No online price |
| BYD M6, 3 years old, 50% no-claim discount | No online price | No online price |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$876.76SMART Comprehensiveas at 23 Oct 2026 | S$604.07Comprehensive (any workshop or authorised workshops)as 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$742.90Comprehensive (any workshop or authorised workshops)as at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$1,006.62SMART Comprehensiveas at 23 Oct 2026 | S$811.71Comprehensive (any workshop or authorised workshops)as at 20 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | No online price | S$787.96Comprehensive (any workshop or authorised workshops)as at 20 Oct 2026 |
| Honda Freed, 3 years old, 50% no-claim discount | S$1,180.67SMART Comprehensiveas at 23 Oct 2026 | S$642.42Comprehensive (any workshop or authorised workshops)as 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 | India International |
|---|---|---|
| Repairs at | ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered) | Your choice: any workshop, or the insurer's authorised workshops for 10% less (the "authorised workshop discount" on the buy page); excess S$600 for the insured and named drivers, S$1,100 for unnamed drivers |
| 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 with a S$100 excess; solar film and sunroof add-ons available |
| Personal accident (driver) | S$50,000 (medical expenses up to S$500 per person) | Personal accident to unnamed passengers as an add-on (S$50 on the quote); medical expenses up to S$300 |
| 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
- ERGO: none to show
- India International: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is ERGO or India International cheaper for car insurance?
Of the 7 examples both price, ERGO was cheaper on 0, India International on 7. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with India International's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (ERGO SMART Comprehensive, India International Comprehensive (any workshop or authorised workshops)): Repairs at: ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered), India International Your choice: any workshop, or the insurer's authorised workshops for 10% less (the "authorised workshop discount" on the buy page); excess S$600 for the insured and named drivers, S$1,100 for unnamed drivers; Windscreen: ERGO Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered, India International Unlimited windscreen cover with a S$100 excess; solar film and sunroof add-ons available; Personal accident (driver): ERGO S$50,000 (medical expenses up to S$500 per person), India International Personal accident to unnamed passengers as an add-on (S$50 on the quote); medical expenses up to S$300; Excess: ERGO S$500.00, India International S$600.00.
What discounts are ERGO and India International running?
ERGO: none to show. India International: none to show.