You drive a Nissan Kicks e-Power, or you are about to, and you need car insurance for it. The quotes can look all over the place. This guide is for owners who want to understand why before they start comparing plans.
By the end, you will know what today's example premiums for this model look like and what that example assumes. You will also know what pushes your own price up or down, and what to check on a plan before you buy.
Start with today's example prices
Our price page for this model uses one standard example. On 14 October 2026, 5 insurers price it, from about S$621 to about S$1,096. That is a gap of hundreds of dollars for the same car and the same driver.
Here is what the example assumes:
- The car. A Nissan Kicks 1.2, registered 3 years ago, for private use, with comprehensive cover.
- The driver. A main driver aged 40, married, in an office job, who has been driving for 10 to 19 years.
- The record. A 50% No Claim Discount (NCD) and no claims.
- The repairs. Done at an authorised workshop, with no optional add-ons.
Treat these figures as a reference point, not a quote. What you pay depends on your own answers. See the latest spread on the Nissan Kicks e-Power price page.
Check how far you are from the example
The example driver is about as tidy as profiles get. Forty, married, a long driving record and the full discount. If that is not you, expect your quotes to land somewhere else.
Here's what to check against your own situation:
- A younger or newer main driver. Young drivers and new drivers usually pay more. They often face a higher excess too.
- A smaller NCD. The example has the full 50%. Fewer claim-free years means a smaller discount.
- A recent claim or demerit points. Both raise the price. Some insurers will not quote online at all.
- Your own choice of workshop. Plans that let you pick any workshop usually cost more than plans that use authorised workshops.
- Add-ons. The example has none. Each option you add changes the premium.
Jot down each way you differ from the example. Then get a quote with your real details on the car insurance quote page.
Know what moves the premium
Every insurer weighs the same handful of things, but each weighs them differently. That is why one car can draw such different prices.
- Your car. The model, the engine size and the car's age. A bigger engine or a pricier model usually costs more to insure.
- The main driver. Age, years of driving and job all count.
- Your NCD. This is the single biggest discount, worth up to half the premium. It grows by 10% for each year without a claim, up to 50% after five years.
- Claims. One at-fault claim usually cuts your NCD by 20 to 30 points. That can undo years of careful driving in one go.
- The workshop. Authorised-workshop plans usually cost less than any-workshop plans.
- The cover type. Comprehensive, third party fire and theft, or third party only. More on this below.
Before you compare, find your current NCD on your renewal notice or policy schedule. It is the figure that will move your quotes the most.
Pick the cover type that matches the car
The example prices are for comprehensive cover. You have three types to choose from, and each has two sides.
- Comprehensive. Pays for damage to your own car as well as what you do to others. Most drivers of newer cars choose it. The trade-off is that you pay for protection on your own car.
- Third party, fire and theft. Covers what you do to others, plus your car if it is stolen or catches fire. It does not pay for accident damage to your own car.
- Third party only. The legal minimum. It covers injury to others and damage to their property, never your own car. It can suit an older car that is worth little.
Think about what a repair bill on your own car would mean for your wallet. Then compare the three types side by side. You can switch between them on the results page without answering the questions again.
Check these on any plan before you buy
Car plans generally cover damage to your car from accidents, fire and theft, plus injury to others and damage to their property. Many also include windscreen repair or replacement, personal accident cover for the driver, and 24-hour roadside assistance and towing. The limits and conditions differ between plans.
Here's what to check on each plan you shortlist:
- The excess. This is what you pay towards each claim for damage to your own car. It differs between plans, and young or new drivers often pay a higher one.
- Named drivers. Drivers not named on the policy are not covered outside its terms. If your spouse takes the car to the hawker centre on weekends, check how the plan treats them.
- Workshop rules. Some plans send you to the insurer's authorised workshops. Others let you choose.
- NCD protection. Some plans protect your discount after one claim. An NCD protector is an add-on on many plans.
- How you use the car. Private hire, racing and rallies are excluded. A private-use plan will not cover ride-hailing trips.
- The standard exclusions. Driving under the influence of alcohol or drugs is not covered. Neither is wear and tear or mechanical breakdown.
Read how claims work before you need to make one. Our Claims page explains the process.
What is not worth worrying about
Some things look like hassles but are not.
- Losing your NCD when you switch. Your discount belongs to you, not the car. It moves with you to a new insurer, which checks it with your old one.
- Answering the questions three times. You fill in one page. You can then switch cover types on the results page.
- Retyping everything at the insurer. When you pick a plan, you finish buying on the insurer's own site with your answers already filled in.
- Matching the example figure exactly. It is a reference for one standard driver. Your quote is the number that counts.
If you want to see two insurers next to each other, use the compare page.
The bottom line
Today, 5 insurers price the same Nissan Kicks e-Power example hundreds of dollars apart. Your own premium depends on the driver, your NCD, your claims, the workshop and the cover type. Check the excess, the named drivers and the exclusions, then get a quote with your real details on the car insurance page.