Car insurance
FWD vs UOI car insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, FWD was cheaper on 9, UOI on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | FWD | UOI |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$866.72Drivo Classicas at 20 Oct 2026 | S$1,106.58UniCar Comprehensive Valueas at 18 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,330.61Drivo Classicas at 20 Oct 2026 | S$1,745.35UniCar Comprehensive Valueas at 18 Oct 2026 |
| BMW 320i, 50% NCD | S$969.74Drivo Classicas at 20 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$866.72Drivo Classicas at 20 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$928.89Drivo Classicas at 20 Oct 2026 | S$1,724.74UniCar Comprehensive Valueas at 18 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$1,062.36UniCar Comprehensive Valueas at 18 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$928.33Drivo Classicas at 20 Oct 2026 | S$1,201.89UniCar Comprehensive Valueas at 18 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$979.33Drivo Classicas at 20 Oct 2026 | S$1,172.51UniCar Comprehensive Valueas at 18 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | S$986.48Drivo Classicas at 20 Oct 2026 | S$1,036.42UniCar Comprehensive Valueas at 18 Oct 2026 |
| Honda Freed, 3 years old, 50% no-claim discount | S$1,019.78Drivo Classicas at 20 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 | FWD | UOI |
|---|---|---|
| Repairs at | Authorised workshops chosen by Income Insurance | UOI authorised workshops only |
| Windscreen | Unlimited windscreen cover; S$100 windscreen excess per claim | Covered: full cost of reinstating windscreen or window glass, windscreen excess as in the schedule (waived if repaired instead of replaced) |
| Personal accident (driver) | Personal accident benefits up to S$50,000; medical expenses up to S$1,000 | S$20,000 insured driver (S$10,000 each unnamed passenger) |
| 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
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is FWD or UOI cheaper for car insurance?
Of the 10 examples both price, FWD was cheaper on 9, UOI on 1. Your own answers can change the order, so get your own quote.
How does FWD's cover compare with UOI's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (FWD Drivo Classic, UOI UniCar Comprehensive Value): Repairs at: FWD Authorised workshops chosen by Income Insurance, UOI UOI authorised workshops only; Windscreen: FWD Unlimited windscreen cover; S$100 windscreen excess per claim, 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): FWD Personal accident benefits up to S$50,000; medical expenses up to S$1,000, UOI S$20,000 insured driver (S$10,000 each unnamed passenger); Excess: FWD S$600.00, UOI S$500.00.
What discounts are FWD and UOI running?
FWD: none to show. UOI: none to show.