Car insurance
HL Assurance vs MS First Capital car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, HL Assurance was cheaper on 8, MS First Capital on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HL Assurance | MS First Capital |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$698.03Car Protect360 Comprehensiveas at 20 Oct 2026 | S$732.08Comprehensiveas at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,557.47Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,516.41Comprehensiveas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$892.67Car Protect360 Comprehensiveas 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$713.21Car Protect360 Comprehensiveas 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$730.18Car Protect360 Comprehensiveas at 20 Oct 2026 | S$927.36Comprehensiveas at 20 Oct 2026 |
| 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$754.04Comprehensiveas 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$1,283.72Comprehensiveas at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$804.86Car Protect360 Comprehensiveas at 20 Oct 2026 | S$983.86Comprehensiveas at 20 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | S$822.26Car Protect360 Comprehensiveas at 20 Oct 2026 | No online price |
| Honda Freed, 3 years old, 50% no-claim discount | S$756.48Car Protect360 Comprehensiveas 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 | HL Assurance | MS First Capital |
|---|---|---|
| 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) | 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; S$100 excess, waived at an HL Assurance appointed windscreen repairer | Covered for its full value; S$100 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 | Up to S$20,000; medical expenses up to S$300 per person |
| Excess | S$1,200.00 | S$500.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- HL Assurance: 25% off
- 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 HL Assurance or MS First Capital cheaper for car insurance?
Of the 9 examples both price, HL Assurance was cheaper on 8, MS First Capital on 1. Your own answers can change the order, so get your own quote.
How does HL Assurance's cover compare with MS First Capital's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (HL Assurance Car Protect360 Comprehensive, MS First Capital Comprehensive): 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), 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: HL Assurance Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer, MS First Capital Covered for its full value; S$100 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, MS First Capital Up to S$20,000; medical expenses up to S$300 per person; Excess: HL Assurance S$1,200.00, MS First Capital S$500.00.
What discounts are HL Assurance and MS First Capital running?
HL Assurance: 25% off. MS First Capital: none to show.