Car insurance
HL Assurance vs Singlife car insurance
As of 12 Nov 2026 (Singapore time)
Of the 8 examples both price, HL Assurance was cheaper on 8, Singlife on 0. Your own answers can change the order, so get your own quote.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/compare/car/hlas-vs-singlife
Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
Lowest price on each example
| Example | HL Assurance | Singlife |
|---|---|---|
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$713.21Car Protect360 ComprehensiveBuy Nowas at 20 Oct 2026 | S$1,162.45Motor LiteBuy Nowas at 31 Oct 2026 |
| Honda VEZEL 1.5G CVT, 3 years old, 50% no-claim discount | S$927.07Car Protect360 ComprehensiveBuy Nowas at 20 Oct 2026 | S$1,528.69Motor LiteBuy Nowas at 31 Oct 2026 |
| BMW 330i 2.0, 3 years old, 50% no-claim discount | S$1,000.41Car Protect360 ComprehensiveBuy Nowas at 20 Oct 2026 | S$1,857.31Motor LiteBuy Nowas at 31 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | S$730.18Car Protect360 ComprehensiveBuy Nowas at 20 Oct 2026 | S$1,341.72Motor LiteBuy Nowas at 31 Oct 2026 |
| BYD Sealion 7 Premium 82.5 kWh, 3 years old, 50% no-claim discount | No online price | S$1,965.43Motor LiteBuy Nowas at 31 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | S$1,290.96Car Protect360 ComprehensiveBuy Nowas at 20 Oct 2026 | S$1,709.07Motor LiteBuy Nowas at 31 Oct 2026 |
| BYD M6, 3 years old, 50% no-claim discount | S$1,398.55Car Protect360 ComprehensiveBuy Nowas at 20 Oct 2026 | No online price |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$674.30Car Protect360 ComprehensiveBuy Nowas at 20 Oct 2026 | S$1,280.09Motor LiteBuy Nowas at 31 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$806.41Car Protect360 ComprehensiveBuy Nowas at 20 Oct 2026 | S$1,540.67Motor LiteBuy Nowas at 31 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$804.86Car Protect360 ComprehensiveBuy Nowas at 20 Oct 2026 | S$1,586.99Motor LiteBuy Nowas at 31 Oct 2026 |
| BMW iX1 eDrive20 xLine 64.8 kWh, 3 years old, 50% no-claim discount | No online price | S$1,816.03Motor LiteBuy Nowas at 31 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | S$822.26Car Protect360 ComprehensiveBuy Nowas at 20 Oct 2026 | No online price |
The prices are at different excesses: on Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount, HL Assurance's plan has a S$1,200.00 own-damage excess and Singlife's S$300.00. A higher excess lowers the premium, so compare the two together; each insurer's page says the excess its prices are quoted at.
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 | Singlife |
|---|---|---|
| Repairs at | Any workshop; own-damage excess is halved at an HL Assurance Approved Workshop (see Own damage excess; a S$3,000 young or inexperienced driver excess applies on top when the car is driven by anyone other than the policyholder who is under 27 or licensed under 2 years) | Singlife approved repairer only (12-month guarantee on repairs) |
| Windscreen | Unlimited; S$100 excess, waived at HL Assurance's appointed windscreen repairer; a windscreen claim does not affect your NCD and the cover is reinstated free (a glass roof is claimed as own damage, with the own-damage excess) | Unlimited glass replacement at approved repairers, S$100 excess (nothing paid elsewhere); 1 glass claim a year; no excess for a repair at an approved repairer; NCD unaffected |
| Personal accident (driver) | S$20,000 for the policyholder (an authorised driver or each passenger S$10,000; drivers 18 to 65, passengers 16 to 65); medical expenses up to S$1,000 a person | Not covered; Additional Personal Accident rider up to S$100,000 optional |
| Excess | S$1,200.00 | S$300.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- HL Assurance: 25% off
- Singlife: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteBuy Now addresses
Each insurer listed here, at its lowest price on this page.
- HL Assurance, Car Protect360 Comprehensive: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
Questions people ask
Is HL Assurance or Singlife cheaper for car insurance?
Of the 8 examples both price, HL Assurance was cheaper on 8, Singlife on 0. Your own answers can change the order, so get your own quote.
How does HL Assurance's cover compare with Singlife's?
On each one's cheapest plan for Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount (HL Assurance Car Protect360 Comprehensive, Singlife Motor Lite): Repairs at: HL Assurance Any workshop; own-damage excess is halved at an HL Assurance Approved Workshop (see Own damage excess; a S$3,000 young or inexperienced driver excess applies on top when the car is driven by anyone other than the policyholder who is under 27 or licensed under 2 years), Singlife Singlife approved repairer only (12-month guarantee on repairs); Windscreen: HL Assurance Unlimited; S$100 excess, waived at HL Assurance's appointed windscreen repairer; a windscreen claim does not affect your NCD and the cover is reinstated free (a glass roof is claimed as own damage, with the own-damage excess), Singlife Unlimited glass replacement at approved repairers, S$100 excess (nothing paid elsewhere); 1 glass claim a year; no excess for a repair at an approved repairer; NCD unaffected; Personal accident (driver): HL Assurance S$20,000 for the policyholder (an authorised driver or each passenger S$10,000; drivers 18 to 65, passengers 16 to 65); medical expenses up to S$1,000 a person, Singlife Not covered; Additional Personal Accident rider up to S$100,000 optional; Excess: HL Assurance S$1,200.00, Singlife S$300.00.
What discounts are HL Assurance and Singlife running?
HL Assurance: 25% off. Singlife: none to show.