Car insurance
HL Assurance vs Income car insurance
As of 28 Oct 2026 (Singapore time)
Of the 12 examples both price, HL Assurance was cheaper on 11, Income on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HL Assurance | Income |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$698.03Car Protect360 Comprehensiveas at 20 Oct 2026 | S$866.72Drivo Classicas at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,557.47Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,330.61Drivo Classicas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$892.67Car Protect360 Comprehensiveas at 20 Oct 2026 | S$969.74Drivo Classicas at 20 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$713.21Car Protect360 Comprehensiveas at 20 Oct 2026 | S$866.72Drivo Classicas at 20 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | S$730.18Car Protect360 Comprehensiveas at 20 Oct 2026 | S$928.89Drivo Classicas at 20 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | S$1,290.96Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,590.65eDrivo Advantageas at 20 Oct 2026 |
| BYD M6, 3 years old, 50% no-claim discount | S$1,398.55Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,499.34eDrivo Advantageas at 20 Oct 2026 |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$674.30Car Protect360 Comprehensiveas at 20 Oct 2026 | S$834.98Drivo Classicas at 20 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$806.41Car Protect360 Comprehensiveas at 20 Oct 2026 | S$928.33Drivo Classicas at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$804.86Car Protect360 Comprehensiveas at 20 Oct 2026 | S$979.33Drivo Classicas at 20 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | S$822.26Car Protect360 Comprehensiveas at 20 Oct 2026 | S$986.48Drivo Classicas at 20 Oct 2026 |
| Honda Freed, 3 years old, 50% no-claim discount | S$756.48Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,019.78Drivo Classicas 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 | HL Assurance | Income |
|---|---|---|
| Repairs at | 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) | Authorised workshops chosen by Income Insurance |
| Windscreen | Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer | Unlimited windscreen cover; S$100 windscreen excess per claim |
| Personal accident (driver) | 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 | Personal accident benefits up to S$50,000; medical expenses up to S$1,000 |
| Excess | S$1,200.00 | S$600.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- HL Assurance: 25% off
- Income: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is HL Assurance or Income cheaper for car insurance?
Of the 12 examples both price, HL Assurance was cheaper on 11, Income on 1. Your own answers can change the order, so get your own quote.
How does HL Assurance's cover compare with Income's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (HL Assurance Car Protect360 Comprehensive, Income Drivo Classic): Repairs at: 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), Income Authorised workshops chosen by Income Insurance; Windscreen: HL Assurance Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer, Income Unlimited windscreen cover; S$100 windscreen excess per claim; Personal accident (driver): 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, Income Personal accident benefits up to S$50,000; medical expenses up to S$1,000; Excess: HL Assurance S$1,200.00, Income S$600.00.
What discounts are HL Assurance and Income running?
HL Assurance: 25% off. Income: none to show.