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Car insurance

FWD vs HL Assurance car insurance

As of 28 Oct 2026 (Singapore time)

Of the 12 examples both price, FWD was cheaper on 1, HL Assurance on 11. 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.
ExampleFWDHL Assurance
Toyota Corolla Altis 1.6, 50% NCDS$866.72Drivo Classicas at 20 Oct 2026S$698.03Car Protect360 Comprehensiveas at 20 Oct 2026
Honda Vezel 1.5, 20% NCDS$1,330.61Drivo Classicas at 20 Oct 2026S$1,557.47Car Protect360 Comprehensiveas at 20 Oct 2026
BMW 320i, 50% NCDS$969.74Drivo Classicas at 20 Oct 2026S$892.67Car Protect360 Comprehensiveas at 20 Oct 2026
Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discountS$866.72Drivo Classicas at 20 Oct 2026S$713.21Car Protect360 Comprehensiveas at 20 Oct 2026
Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discountS$928.89Drivo Classicas at 20 Oct 2026S$730.18Car Protect360 Comprehensiveas at 20 Oct 2026
BYD ATTO 3, 3 years old, 50% no-claim discountS$1,590.65eDrivo Advantageas at 20 Oct 2026S$1,290.96Car Protect360 Comprehensiveas at 20 Oct 2026
BYD M6, 3 years old, 50% no-claim discountS$1,499.34eDrivo Advantageas at 20 Oct 2026S$1,398.55Car Protect360 Comprehensiveas at 20 Oct 2026
Toyota Sienta, 3 years old, 50% no-claim discountS$834.98Drivo Classicas at 20 Oct 2026S$674.30Car Protect360 Comprehensiveas at 20 Oct 2026
Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discountS$928.33Drivo Classicas at 20 Oct 2026S$806.41Car Protect360 Comprehensiveas at 20 Oct 2026
BMW X1 sDrive16, 3 years old, 50% no-claim discountS$979.33Drivo Classicas at 20 Oct 2026S$804.86Car Protect360 Comprehensiveas at 20 Oct 2026
Mercedes-Benz GLB 200, 3 years old, 50% no-claim discountS$986.48Drivo Classicas at 20 Oct 2026S$822.26Car Protect360 Comprehensiveas at 20 Oct 2026
Honda Freed, 3 years old, 50% no-claim discountS$1,019.78Drivo Classicas at 20 Oct 2026S$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

Each insurer's cheapest plan for toyota Corolla Altis 1.6, 50% NCD: FWD Drivo Classic, HL Assurance Car Protect360 Comprehensive.
CoverFWDHL Assurance
Repairs atAuthorised workshops chosen by Income InsuranceAny 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)
WindscreenUnlimited windscreen cover; S$100 windscreen excess per claimUnlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer
Personal accident (driver)Personal accident benefits up to S$50,000; medical expenses up to S$1,000S$20,000 for the policyholder, S$10,000 for an authorised driver and S$10,000 a passenger; medical expenses S$1,000 each
ExcessS$600.00S$1,200.00

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 quote

Questions people ask

Is FWD or HL Assurance cheaper for car insurance?

Of the 12 examples both price, FWD was cheaper on 1, HL Assurance on 11. Your own answers can change the order, so get your own quote.

How does FWD's cover compare with HL Assurance's?

On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (FWD Drivo Classic, HL Assurance Car Protect360 Comprehensive): Repairs at: FWD Authorised workshops chosen by Income Insurance, 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: FWD Unlimited windscreen cover; S$100 windscreen excess per claim, HL Assurance Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer; Personal accident (driver): FWD Personal accident benefits up to S$50,000; medical expenses up to S$1,000, 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: FWD S$600.00, HL Assurance S$1,200.00.

What discounts are FWD and HL Assurance running?

FWD: none to show. HL Assurance: 25% off.