Car insurance
MS First Capital vs UOI car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, MS First Capital was cheaper on 8, UOI on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | MS First Capital | UOI |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$732.08Comprehensiveas at 20 Oct 2026 | S$1,106.58UniCar Comprehensive Valueas at 18 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,516.41Comprehensiveas at 20 Oct 2026 | S$1,745.35UniCar Comprehensive Valueas at 18 Oct 2026 |
| BMW 320i, 50% NCD | S$1,140.56Comprehensiveas at 20 Oct 2026 | S$1,200.89UniCar Comprehensive Valueas at 18 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$776.66Comprehensiveas at 20 Oct 2026 | S$1,134.45UniCar Comprehensive Valueas at 18 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | S$927.36Comprehensiveas at 20 Oct 2026 | S$1,724.74UniCar Comprehensive Valueas at 18 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$754.04Comprehensiveas at 20 Oct 2026 | S$1,062.36UniCar Comprehensive Valueas at 18 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$1,283.72Comprehensiveas at 20 Oct 2026 | S$1,201.89UniCar Comprehensive Valueas at 18 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$983.86Comprehensiveas at 20 Oct 2026 | S$1,172.51UniCar Comprehensive Valueas at 18 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | No online price | S$1,036.42UniCar Comprehensive Valueas at 18 Oct 2026 |
| Honda Freed, 3 years old, 50% no-claim discount | S$900.37Comprehensiveas at 20 Oct 2026 | S$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
| Cover | MS First Capital | UOI |
|---|---|---|
| Repairs at | 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 | UOI authorised workshops only |
| Windscreen | Covered for its full value; S$100 excess per claim | Covered: full cost of reinstating windscreen or window glass, windscreen excess as in the schedule (waived if repaired instead of replaced) |
| Personal accident (driver) | Up to S$20,000; medical expenses up to S$300 per person | S$20,000 insured driver (S$10,000 each unnamed passenger) |
| Excess | S$500.00 | S$500.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- MS First Capital: none to show
- UOI: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is MS First Capital or UOI cheaper for car insurance?
Of the 9 examples both price, MS First Capital was cheaper on 8, UOI on 1. Your own answers can change the order, so get your own quote.
How does MS First Capital's cover compare with UOI's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (MS First Capital Comprehensive, UOI UniCar Comprehensive Value): Repairs at: 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, UOI UOI authorised workshops only; Windscreen: MS First Capital Covered for its full value; S$100 excess per claim, 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): MS First Capital Up to S$20,000; medical expenses up to S$300 per person, UOI S$20,000 insured driver (S$10,000 each unnamed passenger); Excess: MS First Capital S$500.00, UOI S$500.00.
What discounts are MS First Capital and UOI running?
MS First Capital: none to show. UOI: none to show.