Car insurance
ERGO vs Singlife car insurance
As of 12 Nov 2026 (Singapore time)
Of the 7 examples both price, ERGO was cheaper on 7, Singlife on 0. Your own answers can change the order, so get your own quote.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/compare/car/ergo-vs-singlife
Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
Lowest price on each example
| Example | ERGO | Singlife |
|---|---|---|
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$790.88SMART ComprehensiveBuy Nowas at 23 Oct 2026 | S$1,162.45Motor LiteBuy Nowas at 31 Oct 2026 |
| Honda VEZEL 1.5G CVT, 3 years old, 50% no-claim discount | S$836.04SMART ComprehensiveBuy Nowas at 23 Oct 2026 | S$1,528.69Motor LiteBuy Nowas at 31 Oct 2026 |
| BMW 330i 2.0, 3 years old, 50% no-claim discount | S$1,171.31SMART ComprehensiveBuy Nowas at 23 Oct 2026 | S$1,857.31Motor LiteBuy Nowas at 31 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | S$961.25SMART ComprehensiveBuy Nowas at 23 Oct 2026 | S$1,341.72Motor LiteBuy Nowas at 31 Oct 2026 |
| BYD Sealion 7 Premium 82.5 kWh, 3 years old, 50% no-claim discount | No online price | S$1,965.43Motor LiteBuy Nowas at 31 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | No online price | S$1,709.07Motor LiteBuy Nowas at 31 Oct 2026 |
| 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 ComprehensiveBuy Nowas at 23 Oct 2026 | S$1,280.09Motor LiteBuy Nowas at 31 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$910.85SMART ComprehensiveBuy Nowas at 23 Oct 2026 | S$1,540.67Motor LiteBuy Nowas at 31 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$1,006.62SMART ComprehensiveBuy Nowas at 23 Oct 2026 | S$1,586.99Motor LiteBuy Nowas at 31 Oct 2026 |
| BMW iX1 eDrive20 xLine 64.8 kWh, 3 years old, 50% no-claim discount | No online price | S$1,816.03Motor LiteBuy Nowas at 31 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | No online price | No online price |
The prices are at different excesses: on Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount, ERGO's plan has a S$500.00 own-damage excess and Singlife's S$300.00. A higher excess lowers the premium, so compare the two together; each insurer's page says the excess its prices are quoted at.
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 | Singlife |
|---|---|---|
| Repairs at | ERGO authorised workshops only (repairs elsewhere not covered) | Singlife approved repairer only (12-month guarantee on repairs) |
| Windscreen | Repair at ERGO's windscreen partners (Glazity Auto, Auto Glass Venture) with no excess; replacement there with the S$100 windscreen excess; replacement at another workshop not covered | Unlimited glass replacement at approved repairers, S$100 excess (nothing paid elsewhere); 1 glass claim a year; no excess for a repair at an approved repairer; NCD unaffected |
| Personal accident (driver) | S$50,000 for you, the policyholder, aged 16 to 65 (policy Section IV) | Not covered; Additional Personal Accident rider up to S$100,000 optional |
| Excess | S$500.00 | S$300.00 |
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.
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Each insurer listed here, at its lowest price on this page.
Questions people ask
Is ERGO or Singlife cheaper for car insurance?
Of the 7 examples both price, ERGO was cheaper on 7, Singlife on 0. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with Singlife's?
On each one's cheapest plan for Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount (ERGO SMART Comprehensive, Singlife Motor Lite): Repairs at: ERGO ERGO authorised workshops only (repairs elsewhere not covered), Singlife Singlife approved repairer only (12-month guarantee on repairs); Windscreen: ERGO Repair at ERGO's windscreen partners (Glazity Auto, Auto Glass Venture) with no excess; replacement there with the S$100 windscreen excess; replacement at another workshop not covered, Singlife Unlimited glass replacement at approved repairers, S$100 excess (nothing paid elsewhere); 1 glass claim a year; no excess for a repair at an approved repairer; NCD unaffected; Personal accident (driver): ERGO S$50,000 for you, the policyholder, aged 16 to 65 (policy Section IV), Singlife Not covered; Additional Personal Accident rider up to S$100,000 optional; Excess: ERGO S$500.00, Singlife S$300.00.
What discounts are ERGO and Singlife running?
ERGO: none to show. Singlife: none to show.