Car insurance
Etiqa vs HL Assurance car insurance
As of 28 Oct 2026 (Singapore time)
Of the 11 examples both price, Etiqa was cheaper on 1, HL Assurance on 10. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Etiqa | HL Assurance |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$725.20Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$698.03Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,373.01Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$1,557.47Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$1,907.88Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$892.67Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$753.48Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$713.21Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | No online price | S$730.18Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | S$2,072.07Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$1,290.96Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BYD M6, 3 years old, 50% no-claim discount | S$2,112.88Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$1,398.55Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$767.00Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$674.30Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$887.36Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$806.41Car Protect360 Comprehensiveas at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$2,636.48Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$804.86Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | S$913.13Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$822.26Car Protect360 Comprehensiveas at 20 Oct 2026 |
| Honda Freed, 3 years old, 50% no-claim discount | S$862.88Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$756.48Car Protect360 Comprehensiveas 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 | Etiqa | HL Assurance |
|---|---|---|
| Workshop | Etiqa authorised workshops (repairs anywhere need Tiq's 'My Workshop' option, shown as its own card under Repairs at: any workshop) | Any workshop; own-damage excess is halved at an HL Assurance Approved Workshop (see Excess; a S$3,000 young or inexperienced driver excess applies on top to drivers under 27 or licensed under 2 years) |
| Windscreen | Unlimited windscreen cover, S$100 excess for each replacement | Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer |
| Personal accident | Up to S$50,000 for the policyholder (medical expenses up to S$1,000 per person) | S$20,000 for the policyholder, S$10,000 for an authorised driver and S$10,000 a passenger; medical expenses S$1,000 each |
| Excess | S$2,500.00 | S$1,200.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- Etiqa: Promo code TIQCAR20: 20% off
- HL Assurance: 25% off
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is Etiqa or HL Assurance cheaper for car insurance?
Of the 11 examples both price, Etiqa was cheaper on 1, HL Assurance on 10. Your own answers can change the order, so get your own quote.
How does Etiqa's cover compare with HL Assurance's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (Etiqa Private Car Insurance – Comprehensive (Authorised Workshop), HL Assurance Car Protect360 Comprehensive): Workshop: Etiqa Etiqa authorised workshops (repairs anywhere need Tiq's 'My Workshop' option, shown as its own card under Repairs at: any workshop), HL Assurance Any workshop; own-damage excess is halved at an HL Assurance Approved Workshop (see Excess; a S$3,000 young or inexperienced driver excess applies on top to drivers under 27 or licensed under 2 years); Windscreen: Etiqa Unlimited windscreen cover, S$100 excess for each replacement, HL Assurance Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer; Personal accident: Etiqa Up to S$50,000 for the policyholder (medical expenses up to S$1,000 per person), HL Assurance S$20,000 for the policyholder, S$10,000 for an authorised driver and S$10,000 a passenger; medical expenses S$1,000 each; Excess: Etiqa S$2,500.00, HL Assurance S$1,200.00.
What discounts are Etiqa and HL Assurance running?
Etiqa: Promo code TIQCAR20: 20% off. HL Assurance: 25% off.