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Car insurance

HL Assurance vs UOI car insurance

As of 28 Oct 2026 (Singapore time)

Of the 10 examples both price, HL Assurance was cheaper on 10, UOI on 0. Your own answers can change the order, so get your own quote.

Lowest price on each example

Each insurer's cheapest plan for the example, with any discount it is running taken off.
ExampleHL AssuranceUOI
Toyota Corolla Altis 1.6, 50% NCDS$698.03Car Protect360 Comprehensiveas at 20 Oct 2026S$1,106.58UniCar Comprehensive Valueas at 18 Oct 2026
Honda Vezel 1.5, 20% NCDS$1,557.47Car Protect360 Comprehensiveas at 20 Oct 2026S$1,745.35UniCar Comprehensive Valueas at 18 Oct 2026
BMW 320i, 50% NCDS$892.67Car Protect360 Comprehensiveas at 20 Oct 2026S$1,200.89UniCar Comprehensive Valueas at 18 Oct 2026
Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discountS$713.21Car Protect360 Comprehensiveas at 20 Oct 2026S$1,134.45UniCar Comprehensive Valueas at 18 Oct 2026
Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discountS$730.18Car Protect360 Comprehensiveas at 20 Oct 2026S$1,724.74UniCar Comprehensive Valueas at 18 Oct 2026
BYD ATTO 3, 3 years old, 50% no-claim discountS$1,290.96Car Protect360 Comprehensiveas at 20 Oct 2026No online price
BYD M6, 3 years old, 50% no-claim discountS$1,398.55Car Protect360 Comprehensiveas at 20 Oct 2026No online price
Toyota Sienta, 3 years old, 50% no-claim discountS$674.30Car Protect360 Comprehensiveas at 20 Oct 2026S$1,062.36UniCar Comprehensive Valueas at 18 Oct 2026
Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discountS$806.41Car Protect360 Comprehensiveas at 20 Oct 2026S$1,201.89UniCar Comprehensive Valueas at 18 Oct 2026
BMW X1 sDrive16, 3 years old, 50% no-claim discountS$804.86Car Protect360 Comprehensiveas at 20 Oct 2026S$1,172.51UniCar Comprehensive Valueas at 18 Oct 2026
Mercedes-Benz GLB 200, 3 years old, 50% no-claim discountS$822.26Car Protect360 Comprehensiveas at 20 Oct 2026S$1,036.42UniCar Comprehensive Valueas at 18 Oct 2026
Honda Freed, 3 years old, 50% no-claim discountS$756.48Car Protect360 Comprehensiveas at 20 Oct 2026S$1,010.95UniCar Comprehensive Valueas at 18 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

Each insurer's cheapest plan for toyota Corolla Altis 1.6, 50% NCD: HL Assurance Car Protect360 Comprehensive, UOI UniCar Comprehensive Value.
CoverHL AssuranceUOI
Repairs atAny 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)UOI authorised workshops only
WindscreenUnlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairerCovered: full cost of reinstating windscreen or window glass, windscreen excess as in the schedule (waived if repaired instead of replaced)
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 eachS$20,000 insured driver (S$10,000 each unnamed passenger)
ExcessS$1,200.00S$500.00

Dearer plans from either insurer can cover more. Read the policy wording before you buy.

Discounts running today

More about each

See every insurer's price for your own answers, cheapest first.

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Questions people ask

Is HL Assurance or UOI cheaper for car insurance?

Of the 10 examples both price, HL Assurance was cheaper on 10, UOI on 0. Your own answers can change the order, so get your own quote.

How does HL Assurance's cover compare with UOI's?

On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (HL Assurance Car Protect360 Comprehensive, UOI UniCar Comprehensive Value): 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), UOI UOI authorised workshops only; Windscreen: HL Assurance Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer, UOI Covered: full cost of reinstating windscreen or window glass, windscreen excess as in the schedule (waived if repaired instead of replaced); 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, UOI S$20,000 insured driver (S$10,000 each unnamed passenger); Excess: HL Assurance S$1,200.00, UOI S$500.00.

What discounts are HL Assurance and UOI running?

HL Assurance: 25% off. UOI: none to show.