Car insurance
Etiqa vs MS First Capital car insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, Etiqa was cheaper on 5, MS First Capital on 3. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Etiqa | MS First Capital |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$725.20Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$732.08Comprehensiveas 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$1,516.41Comprehensiveas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$1,907.88Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$1,140.56Comprehensiveas 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$776.66Comprehensiveas at 20 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | No online price | S$927.36Comprehensiveas 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 | No online price |
| BYD M6, 3 years old, 50% no-claim discount | S$2,112.88Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | No online price |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$767.00Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | S$754.04Comprehensiveas 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$1,283.72Comprehensiveas 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$983.86Comprehensiveas 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 | No online price |
| Honda Freed, 3 years old, 50% no-claim discount | S$862.88Private Car Insurance – Comprehensive (Authorised Workshop)as at 20 Oct 2026code TIQCAR20 | 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 | Etiqa | MS First Capital |
|---|---|---|
| Workshop | Etiqa authorised workshops (repairs anywhere need Tiq's 'My Workshop' option, shown as its own card under Repairs at: any workshop) | 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 | Unlimited windscreen cover, S$100 excess for each replacement | Covered for its full value; S$100 excess per claim |
| Personal accident | Up to S$50,000 for the policyholder (medical expenses up to S$1,000 per person) | Up to S$20,000; medical expenses up to S$300 per person |
| Excess | S$2,500.00 | S$500.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- Etiqa: Promo code TIQCAR20: 20% off
- 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 Etiqa or MS First Capital cheaper for car insurance?
Of the 8 examples both price, Etiqa was cheaper on 5, MS First Capital on 3. Your own answers can change the order, so get your own quote.
How does Etiqa's cover compare with MS First Capital's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (Etiqa Private Car Insurance – Comprehensive (Authorised Workshop), MS First Capital Comprehensive): Workshop: Etiqa Etiqa authorised workshops (repairs anywhere need Tiq's 'My Workshop' option, shown as its own card under Repairs at: any workshop), 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: Etiqa Unlimited windscreen cover, S$100 excess for each replacement, MS First Capital Covered for its full value; S$100 excess per claim; Personal accident: Etiqa Up to S$50,000 for the policyholder (medical expenses up to S$1,000 per person), MS First Capital Up to S$20,000; medical expenses up to S$300 per person; Excess: Etiqa S$2,500.00, MS First Capital S$500.00.
What discounts are Etiqa and MS First Capital running?
Etiqa: Promo code TIQCAR20: 20% off. MS First Capital: none to show.