Car insurance
ERGO vs UOI car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, ERGO was cheaper on 8, UOI on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | UOI |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$790.88SMART Comprehensiveas at 23 Oct 2026 | S$1,106.58UniCar Comprehensive Valueas at 18 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,516.01SMART Comprehensiveas at 23 Oct 2026 | S$1,745.35UniCar Comprehensive Valueas at 18 Oct 2026 |
| BMW 320i, 50% NCD | S$1,186.67SMART Comprehensiveas at 23 Oct 2026 | S$1,200.89UniCar Comprehensive Valueas at 18 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$790.88SMART Comprehensiveas at 23 Oct 2026 | S$1,134.45UniCar Comprehensive Valueas at 18 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$1,724.74UniCar Comprehensive Valueas at 18 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$1,062.36UniCar Comprehensive Valueas at 18 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$910.85SMART Comprehensiveas at 23 Oct 2026 | S$1,201.89UniCar Comprehensive Valueas at 18 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$1,006.62SMART Comprehensiveas at 23 Oct 2026 | S$1,172.51UniCar Comprehensive Valueas at 18 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | No online price | S$1,036.42UniCar Comprehensive Valueas at 18 Oct 2026 |
| Honda Freed, 3 years old, 50% no-claim discount | S$1,180.67SMART Comprehensiveas at 23 Oct 2026 | S$1,010.95UniCar Comprehensive Valueas at 18 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 | UOI |
|---|---|---|
| Repairs at | ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered) | UOI authorised workshops only |
| Windscreen | Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered | Covered: full cost of reinstating windscreen or window glass, windscreen excess as in the schedule (waived if repaired instead of replaced) |
| Personal accident (driver) | S$50,000 (medical expenses up to S$500 per person) | S$20,000 insured driver (S$10,000 each unnamed passenger) |
| 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
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is ERGO or UOI cheaper for car insurance?
Of the 9 examples both price, ERGO was cheaper on 8, UOI on 1. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with UOI's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (ERGO SMART Comprehensive, UOI UniCar Comprehensive Value): Repairs at: ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered), UOI UOI authorised workshops only; Windscreen: ERGO Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered, UOI Covered: full cost of reinstating windscreen or window glass, windscreen excess as in the schedule (waived if repaired instead of replaced); Personal accident (driver): ERGO S$50,000 (medical expenses up to S$500 per person), UOI S$20,000 insured driver (S$10,000 each unnamed passenger); Excess: ERGO S$500.00, UOI S$500.00.
What discounts are ERGO and UOI running?
ERGO: none to show. UOI: none to show.