Car insurance
HL Assurance vs QBE car insurance
As of 28 Oct 2026 (Singapore time)
Of the 10 examples both price, HL Assurance was cheaper on 10, QBE on 0. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HL Assurance | QBE |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$698.03Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,687.22Private Motor Prestige Comprehensiveas at 22 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,557.47Car Protect360 Comprehensiveas at 20 Oct 2026 | S$2,191.95Private Motor Prestige Comprehensiveas at 22 Oct 2026 |
| BMW 320i, 50% NCD | S$892.67Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,990.06Private Motor Prestige Comprehensiveas at 22 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$713.21Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,586.28Private Motor Prestige Comprehensiveas at 22 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$1,845.85Private Motor Prestige Comprehensiveas at 22 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$1,427.65Private Motor Prestige Comprehensiveas at 22 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$1,182.50Private Motor Prestige Comprehensiveas at 22 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$804.86Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,413.23Private Motor Prestige Comprehensiveas at 22 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | S$822.26Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,369.97Private Motor Prestige Comprehensiveas at 22 Oct 2026 |
| Honda Freed, 3 years old, 50% no-claim discount | S$756.48Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,341.13Private Motor Prestige Comprehensiveas at 22 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 | QBE |
|---|---|---|
| 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) | QBE approved repairers |
| Windscreen | Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer | Unlimited windscreen cover for the first 2 windscreen claims in a period of insurance, no windscreen excess and NCD not affected (compulsory reinstatement with additional premium) |
| 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 for the insured in any one period of insurance (passengers up to S$10,000 each, S$50,000 in aggregate); medical expenses up to S$300 per injured person |
| Excess | S$1,200.00 | S$3,000.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- HL Assurance: 25% off
- QBE: 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 QBE cheaper for car insurance?
Of the 10 examples both price, HL Assurance was cheaper on 10, QBE on 0. Your own answers can change the order, so get your own quote.
How does HL Assurance's cover compare with QBE's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (HL Assurance Car Protect360 Comprehensive, QBE Private Motor Prestige 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), QBE QBE approved repairers; Windscreen: HL Assurance Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer, QBE Unlimited windscreen cover for the first 2 windscreen claims in a period of insurance, no windscreen excess and NCD not affected (compulsory reinstatement with additional premium); 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, QBE Up to S$20,000 for the insured in any one period of insurance (passengers up to S$10,000 each, S$50,000 in aggregate); medical expenses up to S$300 per injured person; Excess: HL Assurance S$1,200.00, QBE S$3,000.00.
What discounts are HL Assurance and QBE running?
HL Assurance: 25% off. QBE: none to show.