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Car insurance

How HL Assurance prices car insurance

Priced online

What the figures include

The table's figures are before GST. We add 9% GST to each price.

Prices from this table are as at 20 Oct 2026, the day we last checked them against HL Assurance's own online quotes.

Limits of HL Assurance's online quote. A band in the tables below outside them reads “Not quoted online”.

  • HL Assurance insures main drivers aged 27 to 64 online.
  • HL Assurance asks for at least 2 years of driving licence online.

A plan's premium is its base figure, times each factor that applies, plus any additions. It is never below the plan's minimum. Version 14, live since 21 Oct 2026.

Plans and how each is priced

Car Protect360 Comprehensive

Promotion

Offered when At-fault claims is 0; Cover type is Comprehensive; Years since the registration year up to 10 years

Base premium One figure for each of 1,810 car models, from S$1,789.93 to S$12,720.72.

Download all 1,810 figures (CSV)

Multiplied by (1 of 15)
NCDFigure
0%×1.00
10%×0.861
20%×0.73
30%×0.609
40%×0.522
50%×0.435
Multiplied by (2 of 15)
Years since the registration yearFigure
0 years×1.087
1 year×1.087
2 years×1.087
3 years×1.022
4 years×1.011
5 years×1.00
6 years×0.989
7 years×0.989
8 years×1.00
9 years×1.033
10 years×1.043
Multiplied by (3 of 15)
Years licensedFigure
2 to 3×1.244
4 to 5×1.111
6 to 30×1.00

Multiplied by (4 of 15) A factor for each of 38 driver ages, from ×0.989 to ×1.442.

Show all 34 figures
Multiplied by (4 of 15)
Driver's ageFigure
27×1.442
28×1.358
29×1.284
30×1.232
31×1.179
32×1.137
33×1.105
34×1.074
35×1.053
36×1.032
37×1.021
38×1.011
39×1.00
40×1.00
41 to 42×0.989
43 to 44×1.00
45×1.00
46×1.011
47×1.011
48×1.021
49×1.021
50×1.032
51×1.042
52×1.053
53×1.063
54×1.063
55×1.074
56×1.084
57×1.095
58×1.095
59 to 60×1.105
61 to 62×1.116
63×1.116
64×1.105
Multiplied by (5 of 15)
GenderFigure
Female×0.95
Male×1.00
Multiplied by (6 of 15)
Marital statusFigure
Single×1.05
Married×1.00
Multiplied by (7 of 15)
OccupationFigure
Indoor×1.00
Outdoor×1.11
Multiplied by (8 of 15)
Certificate of meritby NCDUp to 20%21 to 50%
No×1.00×1.00
Yes×1.00×0.95
Multiplied by (9 of 15)
NCD protectorby NCDUp to 20%21 to 50%
No×1.00×1.00
Yes×1.00×1.10
Multiplied by (10 of 15)
Off-peak carFigure
No×1.00
Yes×0.90

Multiplied by (11 of 15) One of 4 figures on a premium ladder, from ×0.85 to ×1.00, the rung set by workshop, electric car.

Show all 4 figures
Multiplied by (11 of 15)
RungFigure
Rung 0×1.00
Rung 1×0.85
Rung 2×1.00
Rung 3×1.00
Multiplied by (12 of 15)
Cover typeFigure
Comprehensive×1.00
Multiplied by (13 of 15)
UsageFigure
Private×1.00
Multiplied by (14 of 15)
Modified carFigure
No×1.00

Multiplied by (15 of 15) A factor for each of 1,810 car models, from ×0.862 to ×0.93.

Download all 1,810 figures (CSV)

Excess Depends on the car model, S$1,000 to S$2,500 (own damage; S$1,200 or S$1,550 on most cars): priced at the highest excess HL Assurance lets you choose (twice the model's standard excess, up to S$2,500); a lower excess, down to S$0, can be chosen on HL Assurance's quote page for a higher premium

25% off the list price until 5 Jan 2027.

Car Protect360 Third Party, Fire and Theft

Promotion

Offered when At-fault claims is 0; Cover type is Third party, fire and theft; Years since the registration year 11 years or more; Years since the registration year up to 15 years

Base premium One figure for each of 1,810 car models, from S$1,847.16 to S$10,676.87.

Download all 1,810 figures (CSV)

Multiplied by (1 of 14)
NCDFigure
0%×1.00
10%×0.861
20%×0.73
30%×0.609
40%×0.522
50%×0.435
Multiplied by (2 of 14)
Years since the registration yearFigure
Up to 12 years×1.00
13 to 15 years×1.104
Multiplied by (3 of 14)
Years licensedFigure
2 to 3×1.244
4 to 5×1.111
6 to 30×1.00

Multiplied by (4 of 14) A factor for each of 38 driver ages, from ×0.989 to ×1.442.

Show all 34 figures
Multiplied by (4 of 14)
Driver's ageFigure
27×1.442
28×1.358
29×1.284
30×1.232
31×1.179
32×1.137
33×1.105
34×1.074
35×1.053
36×1.032
37×1.021
38×1.011
39×1.00
40×1.00
41 to 42×0.989
43 to 44×1.00
45×1.00
46×1.011
47×1.011
48×1.021
49×1.021
50×1.032
51×1.042
52×1.053
53×1.063
54×1.063
55×1.074
56×1.084
57×1.095
58×1.095
59 to 60×1.105
61 to 62×1.116
63×1.116
64×1.105
Multiplied by (5 of 14)
GenderFigure
Female×0.95
Male×1.00
Multiplied by (6 of 14)
Marital statusFigure
Single×1.05
Married×1.00
Multiplied by (7 of 14)
OccupationFigure
Indoor×1.00
Outdoor×1.11
Multiplied by (8 of 14)
Certificate of meritby NCDUp to 20%21 to 50%
No×1.00×1.00
Yes×1.00×0.95
Multiplied by (9 of 14)
NCD protectorby NCDUp to 20%21 to 50%
No×1.00×1.00
Yes×1.00×1.10
Multiplied by (10 of 14)
Off-peak carFigure
No×1.00
Yes×0.90

Multiplied by (11 of 14) One of 4 figures on a premium ladder, from ×0.85 to ×1.00, the rung set by workshop, electric car.

Show all 4 figures
Multiplied by (11 of 14)
RungFigure
Rung 0×1.00
Rung 1×0.85
Rung 2×1.00
Rung 3×1.00
Multiplied by (12 of 14)
Cover typeFigure
Third party, fire and theft×1.00
Multiplied by (13 of 14)
UsageFigure
Private×1.00
Multiplied by (14 of 14)
Modified carFigure
No×1.00

Excess None

25% off the list price until 5 Jan 2027.

Car models we can't price

806 of the 2,615 car models on our form have no online price from any HL Assurance plan, usually because the model isn't in HL Assurance's table. HL Assurance may still cover them: ask them or a broker.

Download the list (CSV, each plan's reason in its own column)

Worked examples

We check the table against these cases before it goes live. Each one matches the insurer's own price to the cent. The working shows where each figure comes from and the sums that give the premium.

ExampleAnswersWorkingPremium
Toyota Corolla Altis 1.6, registered 2026, driver aged 56, 50% NCDCar Protect360 Comprehensive
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 56
  • Years since the registration year: 0 years
  • Years licensed: 20
  • NCD protector: Yes
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Outdoor
  • Certificate of merit: Yes
  1. Base S$2,527.54 (Car model Toyota Corolla Altis 1.6)
  2. × 0.43 (NCD 50%) = S$1,098.93
  3. × 1.09 (Years since the registration year 0 years) = S$1,194.49
  4. × 1.00 (Years licensed 20) = S$1,194.49
  5. × 1.08 (Driver's age 56) = S$1,295.08
  6. × 1.00 (Gender Male) = S$1,295.08
  7. × 1.00 (Marital status Married) = S$1,295.08
  8. × 1.11 (Occupation Outdoor) = S$1,437.54
  9. × 0.95 (Certificate of merit Yes, NCD 21 to 50%) = S$1,365.66
  10. × 1.10 (NCD protector Yes, NCD 21 to 50%) = S$1,502.23
  11. × 1.00 (Off-peak car No) = S$1,502.23
  12. × 1.00 (Workshop Any workshop, Electric car No) = S$1,502.23
  13. × 1.00 (Cover type Comprehensive) = S$1,502.23
  14. × 1.00 (Usage Private) = S$1,502.23
  15. × 1.00 (Modified car No) = S$1,502.23
  16. × 0.91 (Car model Toyota Corolla Altis 1.6) = S$1,373.19
  17. + 9% GST = S$1,496.78
S$1,496.78S$1,122.58 with the 25% promotion
Mercedes-Benz EQC 400, registered 2020, driver aged 51, 40% NCDCar Protect360 Comprehensive
  • NCD: 40%
  • Car model: Mercedes-Benz EQC 400
  • Usage: Private
  • Gender: Female
  • Off-peak car: No
  • Electric car: Yes
  • Modified car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 51
  • Years since the registration year: 6 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$6,799.42 (Car model Mercedes-Benz EQC 400)
  2. × 0.52 (NCD 40%) = S$3,547.53
  3. × 0.99 (Years since the registration year 6 years) = S$3,508.97
  4. × 1.00 (Years licensed 10) = S$3,508.97
  5. × 1.04 (Driver's age 51) = S$3,656.70
  6. × 0.95 (Gender Female) = S$3,473.86
  7. × 1.00 (Marital status Married) = S$3,473.86
  8. × 1.00 (Occupation Indoor) = S$3,473.86
  9. × 1.00 (Certificate of merit No, NCD 21 to 50%) = S$3,473.86
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$3,473.86
  11. × 1.00 (Off-peak car No) = S$3,473.86
  12. × 1.00 (Workshop Authorised workshop, Electric car Yes) = S$3,473.86
  13. × 1.00 (Cover type Comprehensive) = S$3,473.86
  14. × 1.00 (Usage Private) = S$3,473.86
  15. × 1.00 (Modified car No) = S$3,473.86
  16. × 0.86 (Car model Mercedes-Benz EQC 400) = S$3,001.07
  17. + 9% GST = S$3,271.17
S$3,271.17S$2,453.37 with the 25% promotion
MINI Cooper S Clubman, registered 2024, driver aged 41, 30% NCDCar Protect360 Comprehensive
  • NCD: 30%
  • Car model: MINI Cooper S Clubman
  • Usage: Private
  • Gender: Female
  • Off-peak car: No
  • Electric car: No
  • Modified car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 41
  • Years since the registration year: 2 years
  • Years licensed: 9
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$3,434.05 (Car model MINI Cooper S Clubman)
  2. × 0.61 (NCD 30%) = S$2,090.29
  3. × 1.09 (Years since the registration year 2 years) = S$2,272.05
  4. × 1.00 (Years licensed 9) = S$2,272.05
  5. × 0.99 (Driver's age 41) = S$2,248.14
  6. × 0.95 (Gender Female) = S$2,135.73
  7. × 1.00 (Marital status Married) = S$2,135.73
  8. × 1.00 (Occupation Indoor) = S$2,135.73
  9. × 1.00 (Certificate of merit No, NCD 21 to 50%) = S$2,135.73
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$2,135.73
  11. × 1.00 (Off-peak car No) = S$2,135.73
  12. × 0.85 (Workshop Authorised workshop, Electric car No) = S$1,815.37
  13. × 1.00 (Cover type Comprehensive) = S$1,815.37
  14. × 1.00 (Usage Private) = S$1,815.37
  15. × 1.00 (Modified car No) = S$1,815.37
  16. × 0.86 (Car model MINI Cooper S Clubman) = S$1,564.85
  17. + 9% GST = S$1,705.69
S$1,705.69S$1,279.27 with the 25% promotion
Toyota Auris 150X, registered 2021, driver aged 40, 0% NCDCar Protect360 Comprehensive
  • NCD: 0%
  • Car model: Toyota Auris 150X
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 40
  • Years since the registration year: 5 years
  • Years licensed: 4
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Single
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$2,354.08 (Car model Toyota Auris 150X)
  2. × 1.00 (NCD 0%) = S$2,354.08
  3. × 1.00 (Years since the registration year 5 years) = S$2,354.08
  4. × 1.11 (Years licensed 4) = S$2,615.65
  5. × 1.00 (Driver's age 40) = S$2,615.64
  6. × 1.00 (Gender Male) = S$2,615.64
  7. × 1.05 (Marital status Single) = S$2,746.43
  8. × 1.00 (Occupation Indoor) = S$2,746.43
  9. × 1.00 (Certificate of merit No, NCD Up to 20%) = S$2,746.43
  10. × 1.00 (NCD protector No, NCD Up to 20%) = S$2,746.43
  11. × 1.00 (Off-peak car No) = S$2,746.43
  12. × 1.00 (Workshop Any workshop, Electric car No) = S$2,746.43
  13. × 1.00 (Cover type Comprehensive) = S$2,746.43
  14. × 1.00 (Usage Private) = S$2,746.43
  15. × 1.00 (Modified car No) = S$2,746.43
  16. × 0.93 (Car model Toyota Auris 150X) = S$2,548.41
  17. + 9% GST = S$2,777.77
S$2,777.77S$2,083.33 with the 25% promotion
Mercedes-Benz GLS400d AMG Line, registered 2018, driver aged 60, 40% NCDCar Protect360 Comprehensive
  • NCD: 40%
  • Car model: Mercedes-Benz GLS400d AMG Line
  • Usage: Private
  • Gender: Female
  • Off-peak car: No
  • Electric car: No
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 60
  • Years since the registration year: 8 years
  • Years licensed: 9
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: Yes
  1. Base S$7,157.29 (Car model Mercedes-Benz GLS400d AMG Line)
  2. × 0.52 (NCD 40%) = S$3,734.24
  3. × 1.00 (Years since the registration year 8 years) = S$3,734.24
  4. × 1.00 (Years licensed 9) = S$3,734.24
  5. × 1.11 (Driver's age 60) = S$4,127.31
  6. × 0.95 (Gender Female) = S$3,920.95
  7. × 1.00 (Marital status Married) = S$3,920.95
  8. × 1.00 (Occupation Indoor) = S$3,920.95
  9. × 0.95 (Certificate of merit Yes, NCD 21 to 50%) = S$3,724.90
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$3,724.90
  11. × 1.00 (Off-peak car No) = S$3,724.90
  12. × 1.00 (Workshop Any workshop, Electric car No) = S$3,724.90
  13. × 1.00 (Cover type Comprehensive) = S$3,724.90
  14. × 1.00 (Usage Private) = S$3,724.90
  15. × 1.00 (Modified car No) = S$3,724.90
  16. × 0.93 (Car model Mercedes-Benz GLS400d AMG Line) = S$3,464.53
  17. + 9% GST = S$3,776.34
S$3,776.34S$2,832.26 with the 25% promotion
Nissan Leaf 40 kWh Tokidoki Edition, registered 2020, driver aged 45, 40% NCDCar Protect360 Comprehensive
  • NCD: 40%
  • Car model: Nissan Leaf 40 kWh Tokidoki Edition
  • Usage: Private
  • Gender: Female
  • Off-peak car: No
  • Electric car: Yes
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 45
  • Years since the registration year: 6 years
  • Years licensed: 5
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$4,005.79 (Car model Nissan Leaf 40 kWh Tokidoki Edition)
  2. × 0.52 (NCD 40%) = S$2,089.98
  3. × 0.99 (Years since the registration year 6 years) = S$2,067.26
  4. × 1.11 (Years licensed 5) = S$2,296.96
  5. × 1.00 (Driver's age 45) = S$2,296.96
  6. × 0.95 (Gender Female) = S$2,182.11
  7. × 1.00 (Marital status Married) = S$2,182.11
  8. × 1.00 (Occupation Indoor) = S$2,182.11
  9. × 1.00 (Certificate of merit No, NCD 21 to 50%) = S$2,182.11
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$2,182.11
  11. × 1.00 (Off-peak car No) = S$2,182.11
  12. × 1.00 (Workshop Any workshop, Electric car Yes) = S$2,182.11
  13. × 1.00 (Cover type Comprehensive) = S$2,182.11
  14. × 1.00 (Usage Private) = S$2,182.11
  15. × 1.00 (Modified car No) = S$2,182.11
  16. × 0.86 (Car model Nissan Leaf 40 kWh Tokidoki Edition) = S$1,880.98
  17. + 9% GST = S$2,050.27
S$2,050.27S$1,537.71 with the 25% promotion
Show the other 16 examples
ExampleAnswersWorkingPremium
Audi Q7 S LINE 55 TFSI QUATTRO, registered 2021, driver aged 46, 30% NCDCar Protect360 Comprehensive
  • NCD: 30%
  • Car model: Audi Q7 S LINE 55 TFSI QUATTRO
  • Usage: Private
  • Gender: Female
  • Off-peak car: No
  • Electric car: No
  • Modified car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 46
  • Years since the registration year: 5 years
  • Years licensed: 4
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Single
  • Occupation: Outdoor
  • Certificate of merit: No
  1. Base S$4,534.85 (Car model Audi Q7 S LINE 55 TFSI QUATTRO)
  2. × 0.61 (NCD 30%) = S$2,760.34
  3. × 1.00 (Years since the registration year 5 years) = S$2,760.34
  4. × 1.11 (Years licensed 4) = S$3,067.05
  5. × 1.01 (Driver's age 46) = S$3,099.34
  6. × 0.95 (Gender Female) = S$2,944.38
  7. × 1.05 (Marital status Single) = S$3,091.60
  8. × 1.11 (Occupation Outdoor) = S$3,431.67
  9. × 1.00 (Certificate of merit No, NCD 21 to 50%) = S$3,431.67
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$3,431.67
  11. × 1.00 (Off-peak car No) = S$3,431.67
  12. × 0.85 (Workshop Authorised workshop, Electric car No) = S$2,916.91
  13. × 1.00 (Cover type Comprehensive) = S$2,916.91
  14. × 1.00 (Usage Private) = S$2,916.91
  15. × 1.00 (Modified car No) = S$2,916.91
  16. × 0.86 (Car model Audi Q7 S LINE 55 TFSI QUATTRO) = S$2,519.92
  17. + 9% GST = S$2,746.71
S$2,746.71S$2,060.03 with the 25% promotion
Suzuki SE416 JLX, registered 2022, driver aged 41, 30% NCDCar Protect360 Comprehensive
  • NCD: 30%
  • Car model: Suzuki SE416 JLX
  • Usage: Private
  • Gender: Female
  • Off-peak car: Yes
  • Electric car: No
  • Modified car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 41
  • Years since the registration year: 4 years
  • Years licensed: 9
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Single
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$2,958.18 (Car model Suzuki SE416 JLX)
  2. × 0.61 (NCD 30%) = S$1,800.63
  3. × 1.01 (Years since the registration year 4 years) = S$1,820.20
  4. × 1.00 (Years licensed 9) = S$1,820.20
  5. × 0.99 (Driver's age 41) = S$1,801.05
  6. × 0.95 (Gender Female) = S$1,711.00
  7. × 1.05 (Marital status Single) = S$1,796.55
  8. × 1.00 (Occupation Indoor) = S$1,796.55
  9. × 1.00 (Certificate of merit No, NCD 21 to 50%) = S$1,796.55
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$1,796.55
  11. × 0.90 (Off-peak car Yes) = S$1,616.90
  12. × 0.85 (Workshop Authorised workshop, Electric car No) = S$1,374.36
  13. × 1.00 (Cover type Comprehensive) = S$1,374.36
  14. × 1.00 (Usage Private) = S$1,374.36
  15. × 1.00 (Modified car No) = S$1,374.36
  16. × 0.91 (Car model Suzuki SE416 JLX) = S$1,256.30
  17. + 9% GST = S$1,369.37
S$1,369.37S$1,027.03 with the 25% promotion
Toyota Corolla Altis 1.6, registered 2022, driver aged 52, 50% NCDCar Protect360 Comprehensive
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Usage: Private
  • Gender: Female
  • Off-peak car: Yes
  • Electric car: No
  • Modified car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 52
  • Years since the registration year: 4 years
  • Years licensed: 10
  • NCD protector: Yes
  • At-fault claims: 0
  • Marital status: Single
  • Occupation: Indoor
  • Certificate of merit: Yes
  1. Base S$2,527.54 (Car model Toyota Corolla Altis 1.6)
  2. × 0.43 (NCD 50%) = S$1,098.93
  3. × 1.01 (Years since the registration year 4 years) = S$1,110.88
  4. × 1.00 (Years licensed 10) = S$1,110.88
  5. × 1.05 (Driver's age 52) = S$1,169.34
  6. × 0.95 (Gender Female) = S$1,110.87
  7. × 1.05 (Marital status Single) = S$1,166.42
  8. × 1.00 (Occupation Indoor) = S$1,166.42
  9. × 0.95 (Certificate of merit Yes, NCD 21 to 50%) = S$1,108.10
  10. × 1.10 (NCD protector Yes, NCD 21 to 50%) = S$1,218.91
  11. × 0.90 (Off-peak car Yes) = S$1,097.02
  12. × 0.85 (Workshop Authorised workshop, Electric car No) = S$932.47
  13. × 1.00 (Cover type Comprehensive) = S$932.47
  14. × 1.00 (Usage Private) = S$932.47
  15. × 1.00 (Modified car No) = S$932.47
  16. × 0.91 (Car model Toyota Corolla Altis 1.6) = S$852.37
  17. + 9% GST = S$929.08
S$929.08S$696.82 with the 25% promotion
Honda Odyssey 2.0, registered 2022, driver aged 51, 50% NCDCar Protect360 Comprehensive
  • NCD: 50%
  • Car model: Honda Odyssey 2.0
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 51
  • Years since the registration year: 4 years
  • Years licensed: 6
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: Yes
  1. Base S$3,225.95 (Car model Honda Odyssey 2.0)
  2. × 0.43 (NCD 50%) = S$1,402.59
  3. × 1.01 (Years since the registration year 4 years) = S$1,417.83
  4. × 1.00 (Years licensed 6) = S$1,417.83
  5. × 1.04 (Driver's age 51) = S$1,477.52
  6. × 1.00 (Gender Male) = S$1,477.52
  7. × 1.00 (Marital status Married) = S$1,477.52
  8. × 1.00 (Occupation Indoor) = S$1,477.52
  9. × 0.95 (Certificate of merit Yes, NCD 21 to 50%) = S$1,403.65
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$1,403.65
  11. × 1.00 (Off-peak car No) = S$1,403.65
  12. × 1.00 (Workshop Any workshop, Electric car No) = S$1,403.65
  13. × 1.00 (Cover type Comprehensive) = S$1,403.65
  14. × 1.00 (Usage Private) = S$1,403.65
  15. × 1.00 (Modified car No) = S$1,403.65
  16. × 0.89 (Car model Honda Odyssey 2.0) = S$1,245.60
  17. + 9% GST = S$1,357.70
S$1,357.70S$1,018.28 with the 25% promotion
BYD ATTO 3, registered 2021, driver aged 36, 30% NCDCar Protect360 Comprehensive
  • NCD: 30%
  • Car model: BYD ATTO 3
  • Usage: Private
  • Gender: Female
  • Off-peak car: Yes
  • Electric car: Yes
  • Modified car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Years since the registration year: 5 years
  • Years licensed: 9
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Single
  • Occupation: Indoor
  • Certificate of merit: Yes
  1. Base S$4,005.79 (Car model BYD ATTO 3)
  2. × 0.61 (NCD 30%) = S$2,438.31
  3. × 1.00 (Years since the registration year 5 years) = S$2,438.31
  4. × 1.00 (Years licensed 9) = S$2,438.31
  5. × 1.03 (Driver's age 36) = S$2,515.31
  6. × 0.95 (Gender Female) = S$2,389.54
  7. × 1.05 (Marital status Single) = S$2,509.02
  8. × 1.00 (Occupation Indoor) = S$2,509.02
  9. × 0.95 (Certificate of merit Yes, NCD 21 to 50%) = S$2,383.57
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$2,383.57
  11. × 0.90 (Off-peak car Yes) = S$2,145.22
  12. × 1.00 (Workshop Authorised workshop, Electric car Yes) = S$2,145.22
  13. × 1.00 (Cover type Comprehensive) = S$2,145.22
  14. × 1.00 (Usage Private) = S$2,145.22
  15. × 1.00 (Modified car No) = S$2,145.22
  16. × 0.89 (Car model BYD ATTO 3) = S$1,903.67
  17. + 9% GST = S$2,075.00
S$2,075.00S$1,556.25 with the 25% promotion
Mazda 323 1.4, registered 2020, driver aged 59, 50% NCDCar Protect360 Comprehensive
  • NCD: 50%
  • Car model: Mazda 323 1.4
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 59
  • Years since the registration year: 6 years
  • Years licensed: 6
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Single
  • Occupation: Outdoor
  • Certificate of merit: No
  1. Base S$2,536.92 (Car model Mazda 323 1.4)
  2. × 0.43 (NCD 50%) = S$1,103.01
  3. × 0.99 (Years since the registration year 6 years) = S$1,091.02
  4. × 1.00 (Years licensed 6) = S$1,091.02
  5. × 1.11 (Driver's age 59) = S$1,205.86
  6. × 1.00 (Gender Male) = S$1,205.86
  7. × 1.05 (Marital status Single) = S$1,266.16
  8. × 1.11 (Occupation Outdoor) = S$1,405.43
  9. × 1.00 (Certificate of merit No, NCD 21 to 50%) = S$1,405.43
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$1,405.43
  11. × 1.00 (Off-peak car No) = S$1,405.43
  12. × 1.00 (Workshop Any workshop, Electric car No) = S$1,405.43
  13. × 1.00 (Cover type Comprehensive) = S$1,405.43
  14. × 1.00 (Usage Private) = S$1,405.43
  15. × 1.00 (Modified car No) = S$1,405.43
  16. × 0.93 (Car model Mazda 323 1.4) = S$1,304.10
  17. + 9% GST = S$1,421.47
S$1,421.47S$1,066.11 with the 25% promotion
BMW 520d, registered 2022, driver aged 31, 30% NCDCar Protect360 Comprehensive
  • NCD: 30%
  • Car model: BMW 520d
  • Usage: Private
  • Gender: Female
  • Off-peak car: Yes
  • Electric car: No
  • Modified car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 31
  • Years since the registration year: 4 years
  • Years licensed: 7
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$3,366.20 (Car model BMW 520d)
  2. × 0.61 (NCD 30%) = S$2,048.99
  3. × 1.01 (Years since the registration year 4 years) = S$2,071.26
  4. × 1.00 (Years licensed 7) = S$2,071.26
  5. × 1.18 (Driver's age 31) = S$2,441.92
  6. × 0.95 (Gender Female) = S$2,319.82
  7. × 1.00 (Marital status Married) = S$2,319.82
  8. × 1.00 (Occupation Indoor) = S$2,319.82
  9. × 1.00 (Certificate of merit No, NCD 21 to 50%) = S$2,319.82
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$2,319.82
  11. × 0.90 (Off-peak car Yes) = S$2,087.85
  12. × 0.85 (Workshop Authorised workshop, Electric car No) = S$1,774.66
  13. × 1.00 (Cover type Comprehensive) = S$1,774.66
  14. × 1.00 (Usage Private) = S$1,774.66
  15. × 1.00 (Modified car No) = S$1,774.66
  16. × 0.89 (Car model BMW 520d) = S$1,574.84
  17. + 9% GST = S$1,716.58
S$1,716.58S$1,287.43 with the 25% promotion
Opel Corsa-E, registered 2024, driver aged 30, 50% NCDCar Protect360 Comprehensive
  • NCD: 50%
  • Car model: Opel Corsa-E
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: Yes
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 30
  • Years since the registration year: 2 years
  • Years licensed: 3
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Single
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$4,191.31 (Car model Opel Corsa-E)
  2. × 0.43 (NCD 50%) = S$1,822.31
  3. × 1.09 (Years since the registration year 2 years) = S$1,980.77
  4. × 1.24 (Years licensed 3) = S$2,464.95
  5. × 1.23 (Driver's age 30) = S$3,035.78
  6. × 1.00 (Gender Male) = S$3,035.78
  7. × 1.05 (Marital status Single) = S$3,187.57
  8. × 1.00 (Occupation Indoor) = S$3,187.57
  9. × 1.00 (Certificate of merit No, NCD 21 to 50%) = S$3,187.57
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$3,187.57
  11. × 1.00 (Off-peak car No) = S$3,187.57
  12. × 1.00 (Workshop Any workshop, Electric car Yes) = S$3,187.57
  13. × 1.00 (Cover type Comprehensive) = S$3,187.57
  14. × 1.00 (Usage Private) = S$3,187.57
  15. × 1.00 (Modified car No) = S$3,187.57
  16. × 0.91 (Car model Opel Corsa-E) = S$2,913.76
  17. + 9% GST = S$3,176.00
S$3,176.00S$2,382.00 with the 25% promotion
BMW 320i, registered 2021, driver aged 50, 0% NCDCar Protect360 Comprehensive
  • NCD: 0%
  • Car model: BMW 320i
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 50
  • Years since the registration year: 5 years
  • Years licensed: 7
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Single
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$3,366.20 (Car model BMW 320i)
  2. × 1.00 (NCD 0%) = S$3,366.20
  3. × 1.00 (Years since the registration year 5 years) = S$3,366.20
  4. × 1.00 (Years licensed 7) = S$3,366.20
  5. × 1.03 (Driver's age 50) = S$3,472.50
  6. × 1.00 (Gender Male) = S$3,472.50
  7. × 1.05 (Marital status Single) = S$3,646.12
  8. × 1.00 (Occupation Indoor) = S$3,646.12
  9. × 1.00 (Certificate of merit No, NCD Up to 20%) = S$3,646.12
  10. × 1.00 (NCD protector No, NCD Up to 20%) = S$3,646.12
  11. × 1.00 (Off-peak car No) = S$3,646.12
  12. × 1.00 (Workshop Any workshop, Electric car No) = S$3,646.12
  13. × 1.00 (Cover type Comprehensive) = S$3,646.12
  14. × 1.00 (Usage Private) = S$3,646.12
  15. × 1.00 (Modified car No) = S$3,646.12
  16. × 0.89 (Car model BMW 320i) = S$3,235.57
  17. + 9% GST = S$3,526.77
S$3,526.77S$2,645.08 with the 25% promotion
Volkswagen ID 4, registered 2017, driver aged 28, 30% NCDCar Protect360 Comprehensive
  • NCD: 30%
  • Car model: Volkswagen ID 4
  • Usage: Private
  • Gender: Female
  • Off-peak car: Yes
  • Electric car: Yes
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 28
  • Years since the registration year: 9 years
  • Years licensed: 3
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Single
  • Occupation: Indoor
  • Certificate of merit: Yes
  1. Base S$4,260.01 (Car model Volkswagen ID 4)
  2. × 0.61 (NCD 30%) = S$2,593.05
  3. × 1.03 (Years since the registration year 9 years) = S$2,677.61
  4. × 1.24 (Years licensed 3) = S$3,332.14
  5. × 1.36 (Driver's age 28) = S$4,524.69
  6. × 0.95 (Gender Female) = S$4,298.46
  7. × 1.05 (Marital status Single) = S$4,513.38
  8. × 1.00 (Occupation Indoor) = S$4,513.38
  9. × 0.95 (Certificate of merit Yes, NCD 21 to 50%) = S$4,287.71
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$4,287.71
  11. × 0.90 (Off-peak car Yes) = S$3,858.95
  12. × 1.00 (Workshop Any workshop, Electric car Yes) = S$3,858.95
  13. × 1.00 (Cover type Comprehensive) = S$3,858.95
  14. × 1.00 (Usage Private) = S$3,858.95
  15. × 1.00 (Modified car No) = S$3,858.95
  16. × 0.89 (Car model Volkswagen ID 4) = S$3,424.43
  17. + 9% GST = S$3,732.63
S$3,732.63S$2,799.47 with the 25% promotion
Lexus RX350H, registered 2021, driver aged 34, 50% NCDCar Protect360 Comprehensive
  • NCD: 50%
  • Car model: Lexus RX350H
  • Usage: Private
  • Gender: Male
  • Off-peak car: Yes
  • Electric car: No
  • Modified car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 34
  • Years since the registration year: 5 years
  • Years licensed: 5
  • NCD protector: Yes
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: Yes
  1. Base S$4,497.07 (Car model Lexus RX350H)
  2. × 0.43 (NCD 50%) = S$1,955.25
  3. × 1.00 (Years since the registration year 5 years) = S$1,955.25
  4. × 1.11 (Years licensed 5) = S$2,172.50
  5. × 1.07 (Driver's age 34) = S$2,332.56
  6. × 1.00 (Gender Male) = S$2,332.56
  7. × 1.00 (Marital status Married) = S$2,332.56
  8. × 1.00 (Occupation Indoor) = S$2,332.56
  9. × 0.95 (Certificate of merit Yes, NCD 21 to 50%) = S$2,215.93
  10. × 1.10 (NCD protector Yes, NCD 21 to 50%) = S$2,437.53
  11. × 0.90 (Off-peak car Yes) = S$2,193.78
  12. × 0.85 (Workshop Authorised workshop, Electric car No) = S$1,864.71
  13. × 1.00 (Cover type Comprehensive) = S$1,864.71
  14. × 1.00 (Usage Private) = S$1,864.71
  15. × 1.00 (Modified car No) = S$1,864.71
  16. × 0.86 (Car model Lexus RX350H) = S$1,610.92
  17. + 9% GST = S$1,755.90
S$1,755.90S$1,316.93 with the 25% promotion
Mercedes-Benz EQB 250, registered 2016, driver aged 43, 0% NCDCar Protect360 Comprehensive
  • NCD: 0%
  • Car model: Mercedes-Benz EQB 250
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: Yes
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 43
  • Years since the registration year: 10 years
  • Years licensed: 7
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Single
  • Occupation: Outdoor
  • Certificate of merit: No
  1. Base S$4,187.01 (Car model Mercedes-Benz EQB 250)
  2. × 1.00 (NCD 0%) = S$4,187.01
  3. × 1.04 (Years since the registration year 10 years) = S$4,369.03
  4. × 1.00 (Years licensed 7) = S$4,369.03
  5. × 1.00 (Driver's age 43) = S$4,369.05
  6. × 1.00 (Gender Male) = S$4,369.05
  7. × 1.05 (Marital status Single) = S$4,587.50
  8. × 1.11 (Occupation Outdoor) = S$5,092.13
  9. × 1.00 (Certificate of merit No, NCD Up to 20%) = S$5,092.13
  10. × 1.00 (NCD protector No, NCD Up to 20%) = S$5,092.13
  11. × 1.00 (Off-peak car No) = S$5,092.13
  12. × 1.00 (Workshop Any workshop, Electric car Yes) = S$5,092.13
  13. × 1.00 (Cover type Comprehensive) = S$5,092.13
  14. × 1.00 (Usage Private) = S$5,092.13
  15. × 1.00 (Modified car No) = S$5,092.13
  16. × 0.86 (Car model Mercedes-Benz EQB 250) = S$4,389.41
  17. + 9% GST = S$4,784.46
S$4,784.46S$3,588.35 with the 25% promotion
Land Rover Range Rover Evoque 2.2, registered 2026, driver aged 57, 40% NCDCar Protect360 Comprehensive
  • NCD: 40%
  • Car model: Land Rover Range Rover Evoque 2.2
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 57
  • Years since the registration year: 0 years
  • Years licensed: 2
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: Yes
  1. Base S$5,234.83 (Car model Land Rover Range Rover Evoque 2.2)
  2. × 0.52 (NCD 40%) = S$2,731.22
  3. × 1.09 (Years since the registration year 0 years) = S$2,968.71
  4. × 1.24 (Years licensed 2) = S$3,694.39
  5. × 1.09 (Driver's age 57) = S$4,044.38
  6. × 1.00 (Gender Male) = S$4,044.38
  7. × 1.00 (Marital status Married) = S$4,044.38
  8. × 1.00 (Occupation Indoor) = S$4,044.38
  9. × 0.95 (Certificate of merit Yes, NCD 21 to 50%) = S$3,842.16
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$3,842.16
  11. × 1.00 (Off-peak car No) = S$3,842.16
  12. × 1.00 (Workshop Any workshop, Electric car No) = S$3,842.16
  13. × 1.00 (Cover type Comprehensive) = S$3,842.16
  14. × 1.00 (Usage Private) = S$3,842.16
  15. × 1.00 (Modified car No) = S$3,842.16
  16. × 0.86 (Car model Land Rover Range Rover Evoque 2.2) = S$3,311.94
  17. + 9% GST = S$3,610.01
S$3,610.01S$2,707.52 with the 25% promotion
Toyota Corolla Altis 1.6, registered 2014, driver aged 40, 50% NCDCar Protect360 Third Party, Fire and Theft
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 40
  • Years since the registration year: 12 years
  • Years licensed: 11
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$2,608.32 (Car model Toyota Corolla Altis 1.6)
  2. × 0.43 (NCD 50%) = S$1,134.05
  3. × 1.00 (Years since the registration year Up to 12 years) = S$1,134.05
  4. × 1.00 (Years licensed 11) = S$1,134.05
  5. × 1.00 (Driver's age 40) = S$1,134.05
  6. × 1.00 (Gender Male) = S$1,134.05
  7. × 1.00 (Marital status Married) = S$1,134.05
  8. × 1.00 (Occupation Indoor) = S$1,134.05
  9. × 1.00 (Certificate of merit No, NCD 21 to 50%) = S$1,134.05
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$1,134.05
  11. × 1.00 (Off-peak car No) = S$1,134.05
  12. × 1.00 (Workshop Any workshop, Electric car No) = S$1,134.05
  13. × 1.00 (Cover type Third party, fire and theft) = S$1,134.05
  14. × 1.00 (Usage Private) = S$1,134.05
  15. × 1.00 (Modified car No) = S$1,134.05
  16. + 9% GST = S$1,236.11
S$1,236.11S$927.09 with the 25% promotion
Honda Vezel 1.5X, registered 2013, driver aged 40, 50% NCDCar Protect360 Third Party, Fire and Theft
  • NCD: 50%
  • Car model: Honda Vezel 1.5X
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 40
  • Years since the registration year: 13 years
  • Years licensed: 11
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$3,390.46 (Car model Honda Vezel 1.5X)
  2. × 0.43 (NCD 50%) = S$1,474.11
  3. × 1.10 (Years since the registration year 13 to 15 years) = S$1,628.11
  4. × 1.00 (Years licensed 11) = S$1,628.11
  5. × 1.00 (Driver's age 40) = S$1,628.11
  6. × 1.00 (Gender Male) = S$1,628.11
  7. × 1.00 (Marital status Married) = S$1,628.11
  8. × 1.00 (Occupation Indoor) = S$1,628.11
  9. × 1.00 (Certificate of merit No, NCD 21 to 50%) = S$1,628.11
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$1,628.11
  11. × 1.00 (Off-peak car No) = S$1,628.11
  12. × 1.00 (Workshop Any workshop, Electric car No) = S$1,628.11
  13. × 1.00 (Cover type Third party, fire and theft) = S$1,628.11
  14. × 1.00 (Usage Private) = S$1,628.11
  15. × 1.00 (Modified car No) = S$1,628.11
  16. + 9% GST = S$1,774.64
S$1,774.64S$1,330.98 with the 25% promotion
Audi A4 3.2 FSi, registered 2014, driver aged 40, 50% NCDCar Protect360 Third Party, Fire and Theft
  • NCD: 50%
  • Car model: Audi A4 3.2 FSi
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 40
  • Years since the registration year: 12 years
  • Years licensed: 11
  • NCD protector: No
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$4,797.78 (Car model Audi A4 3.2 FSi)
  2. × 0.43 (NCD 50%) = S$2,085.99
  3. × 1.00 (Years since the registration year Up to 12 years) = S$2,085.99
  4. × 1.00 (Years licensed 11) = S$2,085.99
  5. × 1.00 (Driver's age 40) = S$2,085.99
  6. × 1.00 (Gender Male) = S$2,085.99
  7. × 1.00 (Marital status Married) = S$2,085.99
  8. × 1.00 (Occupation Indoor) = S$2,085.99
  9. × 1.00 (Certificate of merit No, NCD 21 to 50%) = S$2,085.99
  10. × 1.00 (NCD protector No, NCD 21 to 50%) = S$2,085.99
  11. × 1.00 (Off-peak car No) = S$2,085.99
  12. × 1.00 (Workshop Any workshop, Electric car No) = S$2,085.99
  13. × 1.00 (Cover type Third party, fire and theft) = S$2,085.99
  14. × 1.00 (Usage Private) = S$2,085.99
  15. × 1.00 (Modified car No) = S$2,085.99
  16. + 9% GST = S$2,273.73
S$2,273.73S$1,705.29 with the 25% promotion

Where the figures come from

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