Car insurance
FWD vs MS First Capital car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, FWD was cheaper on 4, MS First Capital on 5. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | MS First Capital |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$866.72Drivo Classicas at 20 Oct 2026 | S$732.08Comprehensiveas at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,330.61Drivo Classicas at 20 Oct 2026 | S$1,516.41Comprehensiveas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$969.74Drivo Classicas at 20 Oct 2026 | S$1,140.56Comprehensiveas at 20 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$866.72Drivo Classicas at 20 Oct 2026 | S$776.66Comprehensiveas at 20 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | S$928.89Drivo Classicas at 20 Oct 2026 | S$927.36Comprehensiveas at 20 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | S$1,590.65eDrivo Advantageas at 20 Oct 2026 | No online price |
| BYD M6, 3 years old, 50% no-claim discount | S$1,499.34eDrivo Advantageas at 20 Oct 2026 | No online price |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$834.98Drivo Classicas at 20 Oct 2026 | S$754.04Comprehensiveas at 20 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$928.33Drivo Classicas at 20 Oct 2026 | S$1,283.72Comprehensiveas at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$979.33Drivo Classicas at 20 Oct 2026 | S$983.86Comprehensiveas at 20 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | S$986.48Drivo Classicas at 20 Oct 2026 | No online price |
| Honda Freed, 3 years old, 50% no-claim discount | S$1,019.78Drivo Classicas at 20 Oct 2026 | 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 | FWD | MS First Capital |
|---|---|---|
| Repairs at | Authorised workshops chosen by Income Insurance | 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 windscreen excess per claim | Covered for its full value; S$100 excess per claim |
| Personal accident (driver) | Personal accident benefits up to S$50,000; medical expenses up to S$1,000 | Up to S$20,000; medical expenses up to S$300 per person |
| Excess | S$600.00 | S$500.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- FWD: none to show
- 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 FWD or MS First Capital cheaper for car insurance?
Of the 9 examples both price, FWD was cheaper on 4, MS First Capital on 5. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with MS First Capital's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (FWD Drivo Classic, MS First Capital Comprehensive): Repairs at: FWD Authorised workshops chosen by Income Insurance, 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: FWD Unlimited windscreen cover; S$100 windscreen excess per claim, MS First Capital Covered for its full value; S$100 excess per claim; Personal accident (driver): FWD Personal accident benefits up to S$50,000; medical expenses up to S$1,000, MS First Capital Up to S$20,000; medical expenses up to S$300 per person; Excess: FWD S$600.00, MS First Capital S$500.00.
What discounts are FWD and MS First Capital running?
FWD: none to show. MS First Capital: none to show.