Car insurance
Liberty vs MS First Capital car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, Liberty was cheaper on 1, MS First Capital on 8. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | Liberty | MS First Capital |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$1,219.83Comprehensive Preferred Planas at 22 Oct 2026 | S$732.08Comprehensiveas at 20 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,467.86Comprehensive Preferred Planas at 22 Oct 2026 | S$1,516.41Comprehensiveas at 20 Oct 2026 |
| BMW 320i, 50% NCD | S$1,911.12Comprehensive Preferred Planas at 22 Oct 2026 | S$1,140.56Comprehensiveas at 20 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$1,232.96Comprehensive Preferred Planas at 22 Oct 2026 | S$776.66Comprehensiveas at 20 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | S$1,489.39Comprehensive Preferred Planas at 22 Oct 2026 | S$927.36Comprehensiveas at 20 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | No online price | No online price |
| BYD M6, 3 years old, 50% no-claim discount | No online price | No online price |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$1,232.96Comprehensive Preferred Planas at 22 Oct 2026 | S$754.04Comprehensiveas at 20 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$1,550.70Comprehensive Preferred Planas at 22 Oct 2026 | S$1,283.72Comprehensiveas at 20 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$1,919.84Comprehensive Preferred Planas at 22 Oct 2026 | S$983.86Comprehensiveas at 20 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | No online price | No online price |
| Honda Freed, 3 years old, 50% no-claim discount | S$1,079.37Comprehensive Preferred Planas at 22 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 | Liberty | MS First Capital |
|---|---|---|
| Repairs at | Liberty's authorised workshops | 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 | Accidental loss or damage to windscreen up to S$4,000 (S$100 excess) | Covered for its full value; S$100 excess per claim |
| Personal accident (driver) | Up to S$50,000 (medical expenses up to S$1,000 per person) | Up to S$20,000; medical expenses up to S$300 per person |
| Excess | S$600.00 | S$500.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- Liberty: none to show
- 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 Liberty or MS First Capital cheaper for car insurance?
Of the 9 examples both price, Liberty was cheaper on 1, MS First Capital on 8. Your own answers can change the order, so get your own quote.
How does Liberty's cover compare with MS First Capital's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (Liberty Comprehensive Preferred Plan, MS First Capital Comprehensive): Repairs at: Liberty Liberty's authorised workshops, 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: Liberty Accidental loss or damage to windscreen up to S$4,000 (S$100 excess), MS First Capital Covered for its full value; S$100 excess per claim; Personal accident (driver): Liberty Up to S$50,000 (medical expenses up to S$1,000 per person), MS First Capital Up to S$20,000; medical expenses up to S$300 per person; Excess: Liberty S$600.00, MS First Capital S$500.00.
What discounts are Liberty and MS First Capital running?
Liberty: none to show. MS First Capital: none to show.