Car insurance
ERGO vs MS First Capital car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, ERGO was cheaper on 2, MS First Capital on 7. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | MS First Capital |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$790.88SMART Comprehensiveas at 23 Oct 2026 | S$732.08Comprehensiveas at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,516.01SMART Comprehensiveas at 23 Oct 2026 | S$1,516.41Comprehensiveas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$1,186.67SMART Comprehensiveas at 23 Oct 2026 | S$1,140.56Comprehensiveas 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$776.66Comprehensiveas 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$927.36Comprehensiveas at 20 Oct 2026 |
| 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$754.04Comprehensiveas 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$1,283.72Comprehensiveas at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$1,006.62SMART Comprehensiveas at 23 Oct 2026 | S$983.86Comprehensiveas at 20 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | No online price | No online price |
| Honda Freed, 3 years old, 50% no-claim discount | S$1,180.67SMART Comprehensiveas at 23 Oct 2026 | S$900.37Comprehensiveas 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 | MS First Capital |
|---|---|---|
| Repairs at | ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered) | Any workshop (the online quote is on an any-workshop basis); own-damage excess S$500 for named drivers, S$700 for unnamed drivers; S$3,500 for drivers under 22 or with under 2 years' licence |
| Windscreen | Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered | Covered for its full value; S$100 excess per claim |
| Personal accident (driver) | S$50,000 (medical expenses up to S$500 per person) | Up to S$20,000; medical expenses up to S$300 per person |
| Excess | S$500.00 | S$500.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- ERGO: none to show
- MS First Capital: 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 MS First Capital cheaper for car insurance?
Of the 9 examples both price, ERGO was cheaper on 2, MS First Capital on 7. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with MS First Capital's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (ERGO SMART Comprehensive, MS First Capital Comprehensive): Repairs at: ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered), MS First Capital Any workshop (the online quote is on an any-workshop basis); own-damage excess S$500 for named drivers, S$700 for unnamed drivers; S$3,500 for drivers under 22 or with under 2 years' licence; Windscreen: ERGO Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered, MS First Capital Covered for its full value; S$100 excess per claim; Personal accident (driver): ERGO S$50,000 (medical expenses up to S$500 per person), MS First Capital Up to S$20,000; medical expenses up to S$300 per person; Excess: ERGO S$500.00, MS First Capital S$500.00.
What discounts are ERGO and MS First Capital running?
ERGO: none to show. MS First Capital: none to show.