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Car insurance

ERGO vs QBE car insurance

As of 28 Oct 2026 (Singapore time)

Of the 9 examples both price, ERGO was cheaper on 9, QBE on 0. Your own answers can change the order, so get your own quote.

Lowest price on each example

Each insurer's cheapest plan for the example, with any discount it is running taken off.
ExampleERGOQBE
Toyota Corolla Altis 1.6, 50% NCDS$790.88SMART Comprehensiveas at 23 Oct 2026S$1,687.22Private Motor Prestige Comprehensiveas at 22 Oct 2026
Honda Vezel 1.5, 20% NCDS$1,516.01SMART Comprehensiveas at 23 Oct 2026S$2,191.95Private Motor Prestige Comprehensiveas at 22 Oct 2026
BMW 320i, 50% NCDS$1,186.67SMART Comprehensiveas at 23 Oct 2026S$1,990.06Private Motor Prestige Comprehensiveas at 22 Oct 2026
Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discountS$790.88SMART Comprehensiveas at 23 Oct 2026S$1,586.28Private Motor Prestige Comprehensiveas at 22 Oct 2026
Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discountS$961.25SMART Comprehensiveas at 23 Oct 2026S$1,845.85Private Motor Prestige Comprehensiveas at 22 Oct 2026
BYD ATTO 3, 3 years old, 50% no-claim discountNo online priceNo online price
BYD M6, 3 years old, 50% no-claim discountNo online priceNo online price
Toyota Sienta, 3 years old, 50% no-claim discountS$876.76SMART Comprehensiveas at 23 Oct 2026S$1,427.65Private Motor Prestige Comprehensiveas at 22 Oct 2026
Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discountS$910.85SMART Comprehensiveas at 23 Oct 2026S$1,182.50Private Motor Prestige Comprehensiveas at 22 Oct 2026
BMW X1 sDrive16, 3 years old, 50% no-claim discountS$1,006.62SMART Comprehensiveas at 23 Oct 2026S$1,413.23Private Motor Prestige Comprehensiveas at 22 Oct 2026
Mercedes-Benz GLB 200, 3 years old, 50% no-claim discountNo online priceS$1,369.97Private Motor Prestige Comprehensiveas at 22 Oct 2026
Honda Freed, 3 years old, 50% no-claim discountS$1,180.67SMART Comprehensiveas at 23 Oct 2026S$1,341.13Private Motor Prestige Comprehensiveas at 22 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

Each insurer's cheapest plan for toyota Corolla Altis 1.6, 50% NCD: ERGO SMART Comprehensive, QBE Private Motor Prestige Comprehensive.
CoverERGOQBE
Repairs atERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered)QBE approved repairers
WindscreenRepair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not coveredUnlimited windscreen cover for the first 2 windscreen claims in a period of insurance, no windscreen excess and NCD not affected (compulsory reinstatement with additional premium)
Personal accident (driver)S$50,000 (medical expenses up to S$500 per person)Up to S$20,000 for the insured in any one period of insurance (passengers up to S$10,000 each, S$50,000 in aggregate); medical expenses up to S$300 per injured person
ExcessS$500.00S$3,000.00

Dearer plans from either insurer can cover more. Read the policy wording before you buy.

Discounts running today

  • ERGO: none to show
  • QBE: none to show

More about each

See every insurer's price for your own answers, cheapest first.

Get your own quote

Questions people ask

Is ERGO or QBE cheaper for car insurance?

Of the 9 examples both price, ERGO was cheaper on 9, QBE on 0. Your own answers can change the order, so get your own quote.

How does ERGO's cover compare with QBE's?

On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (ERGO SMART Comprehensive, QBE Private Motor Prestige Comprehensive): Repairs at: ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered), QBE QBE approved repairers; Windscreen: ERGO Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered, QBE Unlimited windscreen cover for the first 2 windscreen claims in a period of insurance, no windscreen excess and NCD not affected (compulsory reinstatement with additional premium); Personal accident (driver): ERGO S$50,000 (medical expenses up to S$500 per person), QBE Up to S$20,000 for the insured in any one period of insurance (passengers up to S$10,000 each, S$50,000 in aggregate); medical expenses up to S$300 per injured person; Excess: ERGO S$500.00, QBE S$3,000.00.

What discounts are ERGO and QBE running?

ERGO: none to show. QBE: none to show.