Car insurance
HL Assurance vs India International car insurance
As of 28 Oct 2026 (Singapore time)
Of the 8 examples both price, HL Assurance was cheaper on 1, India International on 7. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HL Assurance | India International |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$698.03Car Protect360 Comprehensiveas at 20 Oct 2026 | S$604.07Comprehensive (any workshop or authorised workshops)as at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,557.47Car Protect360 Comprehensiveas at 20 Oct 2026 | No online price |
| BMW 320i, 50% NCD | S$892.67Car Protect360 Comprehensiveas at 20 Oct 2026 | S$811.71Comprehensive (any workshop or authorised workshops)as 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$642.42Comprehensive (any workshop or authorised workshops)as 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 | No online price |
| BYD ATTO 3, 3 years old, 50% no-claim discount | S$1,290.96Car Protect360 Comprehensiveas at 20 Oct 2026 | No online price |
| BYD M6, 3 years old, 50% no-claim discount | S$1,398.55Car Protect360 Comprehensiveas at 20 Oct 2026 | No online price |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$674.30Car Protect360 Comprehensiveas at 20 Oct 2026 | S$604.07Comprehensive (any workshop or authorised workshops)as 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$742.90Comprehensive (any workshop or authorised workshops)as at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$804.86Car Protect360 Comprehensiveas at 20 Oct 2026 | S$811.71Comprehensive (any workshop or authorised workshops)as 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$787.96Comprehensive (any workshop or authorised workshops)as at 20 Oct 2026 |
| Honda Freed, 3 years old, 50% no-claim discount | S$756.48Car Protect360 Comprehensiveas at 20 Oct 2026 | S$642.42Comprehensive (any workshop or authorised workshops)as 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 | India International |
|---|---|---|
| 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) | Your choice: any workshop, or the insurer's authorised workshops for 10% less (the "authorised workshop discount" on the buy page); excess S$600 for the insured and named drivers, S$1,100 for unnamed drivers |
| Windscreen | Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer | Unlimited windscreen cover with a S$100 excess; solar film and sunroof add-ons available |
| 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 to unnamed passengers as an add-on (S$50 on the quote); medical expenses up to S$300 |
| 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
- India International: 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 India International cheaper for car insurance?
Of the 8 examples both price, HL Assurance was cheaper on 1, India International on 7. Your own answers can change the order, so get your own quote.
How does HL Assurance's cover compare with India International's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (HL Assurance Car Protect360 Comprehensive, India International Comprehensive (any workshop or authorised workshops)): 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), India International Your choice: any workshop, or the insurer's authorised workshops for 10% less (the "authorised workshop discount" on the buy page); excess S$600 for the insured and named drivers, S$1,100 for unnamed drivers; Windscreen: HL Assurance Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer, India International Unlimited windscreen cover with a S$100 excess; solar film and sunroof add-ons available; 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, India International Personal accident to unnamed passengers as an add-on (S$50 on the quote); medical expenses up to S$300; Excess: HL Assurance S$1,200.00, India International S$600.00.
What discounts are HL Assurance and India International running?
HL Assurance: 25% off. India International: none to show.