Car insurance

How Liberty prices car insurance

Priced online

What the figures include

The table's figures already include 9% GST.

Prices from this table are as at 22 Oct 2026, the day we last checked them against Liberty's own online quotes.

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 9, live since 22 Oct 2026.

Plans and how each is priced

Comprehensive Standard Plan

Offered when Make is BYD, Denza; Years since the registration year 1 year or more; Cover type is Comprehensive; Workshop is Any workshop; NCD protector is No; Driver's age 22 or more; Driver's age up to 75; Years since the registration year up to 10 years; Years licensed 1 or more; At-fault claims up to 2; Total claim amount up to S$50,000

Base premium
Car model	Figure
BYD M6	S$1,193.03
BYD ATTO 3	S$1,426.95
BYD Dolphin	S$1,193.03
BYD M3e 50.3 kWh	S$1,193.03
BYD SEAL Premium	S$1,543.92
BYD Sealion 6 1.5 DM-i	S$1,698.33
Denza D9 Elite 103.36 kWh	S$1,698.33
Denza D9 Grandeur 103.36 kWh	S$1,698.33
BYD Sealion 7 Premium 82.5 kWh	S$1,543.92
BYD Sealion 7 Performance 82.5 kWh	S$1,543.92
BYD Sealion 7 Performance Extended Range 91.39 kWh	S$1,543.92

Multiplied by (1 of 5)
NCD	Figure
0%	×2.005
10%	×1.805
20%	×1.604
30%	×1.333
40%	×1.143
50%	×1.00

Multiplied by (2 of 5)
Driver's age	Figure
Up to 25	×1.663
26 to 30	×1.244
31 to 35	×1.035
36 to 40	×0.999
41 to 45	×1.00
46 to 50	×1.01
51 to 55	×1.043
56 to 60	×1.049
61 to 65	×1.047
66 to 70	×1.201
71 to 75	×1.441

Multiplied by (3 of 5)
Years licensed	Figure
Up to 1	×1.30
2	×1.10
3	×1.05
4 and over	×1.00

Multiplied by (4 of 5)
Off-peak car	Figure
No	×1.00
Yes	×0.75

Multiplied by (5 of 5)
At-fault claimsby Total claim amount	Up to S$5,000	S$5,001 to S$10,000	S$10,001 to S$15,000	S$15,001 to S$20,000	S$20,001 to S$30,000	S$30,001 to S$40,000	S$40,001 to S$50,000
0	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00
1	×1.00	×1.15	×1.20	×1.35	×1.50	×1.65	×1.80
2	×1.20	×1.30	×1.35	×1.50	×1.65	×1.80	×2.00

Plus (1 of 2) S$10.90

Plus (2 of 2) One figure for each of 11 car models, multiplied by a factor for each of 4 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 bands of driver's age and by a factor for each of 3 at-fault claims values (0, 1, 2) by 7 bands of total claim amount.

Show all 11 figures

Plus (2 of 2)
Car model	Figure
BYD M6	S$64.56
BYD ATTO 3	S$64.56
BYD Dolphin	S$64.56
BYD M3e 50.3 kWh	S$64.56
BYD SEAL Premium	S$64.56
BYD Sealion 6 1.5 DM-i	S$70.99
Denza D9 Elite 103.36 kWh	S$70.99
Denza D9 Grandeur 103.36 kWh	S$70.99
BYD Sealion 7 Premium 82.5 kWh	S$64.56
BYD Sealion 7 Performance 82.5 kWh	S$64.56
BYD Sealion 7 Performance Extended Range 91.39 kWh	S$64.56

Minimum premium S$719.40 · Excess S$600 for you or a named driver, S$1,100 for any other driver; a further S$3,000 when the driver is young, elderly or inexperienced

The figure is an estimate when any of these are true: Cover type is Comprehensive. Liberty's online figure is a non-binding Quick Quote (its “Indicative Premium, incl. GST”). We rebuild it from a per-model base premium and Liberty's own factors for your no-claim discount, age, driving experience and an off-peak (weekend) car (for a BYD or Denza Liberty's figure does not change with gender, marital status or the car's age). Your occupation is not in this figure (Liberty adds 20% for some jobs, such as site and trade work, delivery riders, students and the self-employed), nor any named-driver or modification loading, and Liberty sets the excess and final price when it issues the proposal, so treat it as an estimate.

Third-party, fire & theft

Offered when Make is BYD, Denza; Years since the registration year 1 year or more; Cover type is Third party, fire and theft; NCD protector is No; Driver's age 22 or more; Driver's age up to 75; Years since the registration year up to 20 years; Years licensed 1 or more; At-fault claims up to 2; Total claim amount up to S$50,000

Base premium
Car model	Figure
BYD M6	S$747.75
BYD ATTO 3	S$894.37
BYD Dolphin	S$747.75
BYD M3e 50.3 kWh	S$747.75
BYD SEAL Premium	S$967.66
BYD Sealion 6 1.5 DM-i	S$1,064.43
Denza D9 Elite 103.36 kWh	S$1,064.43
Denza D9 Grandeur 103.36 kWh	S$1,064.43
BYD Sealion 7 Premium 82.5 kWh	S$967.66
BYD Sealion 7 Performance 82.5 kWh	S$967.66
BYD Sealion 7 Performance Extended Range 91.39 kWh	S$967.66

Multiplied by (1 of 5)
NCD	Figure
0%	×2.005
10%	×1.804
20%	×1.604
30%	×1.333
40%	×1.143
50%	×1.00

Multiplied by (2 of 5)
Driver's age	Figure
Up to 25	×1.663
26 to 30	×1.244
31 to 35	×1.035
36 to 40	×0.999
41 to 45	×1.00
46 to 50	×1.01
51 to 55	×1.043
56 to 60	×1.049
61 to 65	×1.048
66 to 70	×1.201
71 to 75	×1.441

Multiplied by (3 of 5)
Years licensed	Figure
Up to 1	×1.30
2	×1.10
3	×1.05
4 and over	×1.00

Multiplied by (4 of 5)
Off-peak car	Figure
No	×1.00
Yes	×0.75

Multiplied by (5 of 5)
At-fault claimsby Total claim amount	Up to S$5,000	S$5,001 to S$10,000	S$10,001 to S$15,000	S$15,001 to S$20,000	S$20,001 to S$30,000	S$30,001 to S$40,000	S$40,001 to S$50,000
0	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00
1	×1.00	×1.15	×1.20	×1.35	×1.50	×1.65	×1.80
2	×1.20	×1.30	×1.35	×1.50	×1.65	×1.80	×2.00

Plus One figure for each of 11 car models, multiplied by a factor for each of 4 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 bands of driver's age and by a factor for each of 3 at-fault claims values (0, 1, 2) by 7 bands of total claim amount.

Show all 11 figures

Plus
Car model	Figure
BYD M6	S$40.37
BYD ATTO 3	S$40.37
BYD Dolphin	S$40.37
BYD M3e 50.3 kWh	S$40.37
BYD SEAL Premium	S$40.37
BYD Sealion 6 1.5 DM-i	S$44.41
Denza D9 Elite 103.36 kWh	S$44.41
Denza D9 Grandeur 103.36 kWh	S$44.41
BYD Sealion 7 Premium 82.5 kWh	S$40.37
BYD Sealion 7 Performance 82.5 kWh	S$40.37
BYD Sealion 7 Performance Extended Range 91.39 kWh	S$40.37

Minimum premium S$545.00 · Excess S$600 for you or a named driver, S$1,100 for any other driver; a further S$3,000 when the driver is young, elderly or inexperienced

The figure is an estimate when any of these are true: Cover type is Third party, fire and theft. Liberty's online figure is a non-binding Quick Quote (its “Indicative Premium, incl. GST”). We rebuild it from a per-model base premium and Liberty's own factors for your no-claim discount, age, driving experience and an off-peak (weekend) car (for a BYD or Denza Liberty's figure does not change with gender, marital status or the car's age). Your occupation is not in this figure (Liberty adds 20% for some jobs, such as site and trade work, delivery riders, students and the self-employed), nor any named-driver or modification loading, and Liberty sets the excess and final price when it issues the proposal, so treat it as an estimate.

Third-party

Offered when Make is BYD, Denza; Years since the registration year 1 year or more; Cover type is Third party only; NCD protector is No; Driver's age 22 or more; Driver's age up to 75; Years since the registration year up to 20 years; Years licensed 1 or more; At-fault claims up to 2; Total claim amount up to S$50,000

Base premium
Car model	Figure
BYD M6	S$673.10
BYD ATTO 3	S$805.04
BYD Dolphin	S$673.10
BYD M3e 50.3 kWh	S$673.10
BYD SEAL Premium	S$871.02
BYD Sealion 6 1.5 DM-i	S$958.13
Denza D9 Elite 103.36 kWh	S$958.13
Denza D9 Grandeur 103.36 kWh	S$958.13
BYD Sealion 7 Premium 82.5 kWh	S$871.02
BYD Sealion 7 Performance 82.5 kWh	S$871.02
BYD Sealion 7 Performance Extended Range 91.39 kWh	S$871.02

Multiplied by (1 of 5)
NCD	Figure
0%	×2.005
10%	×1.804
20%	×1.604
30%	×1.333
40%	×1.143
50%	×1.00

Multiplied by (2 of 5)
Driver's age	Figure
Up to 25	×1.663
26 to 30	×1.244
31 to 35	×1.035
36 to 40	×0.999
41 to 45	×1.00
46 to 50	×1.01
51 to 55	×1.043
56 to 60	×1.049
61 to 65	×1.047
66 to 70	×1.201
71 to 75	×1.441

Multiplied by (3 of 5)
Years licensed	Figure
Up to 1	×1.30
2	×1.10
3	×1.05
4 and over	×1.00

Multiplied by (4 of 5)
Off-peak car	Figure
No	×1.00
Yes	×0.75

Multiplied by (5 of 5)
At-fault claimsby Total claim amount	Up to S$5,000	S$5,001 to S$10,000	S$10,001 to S$15,000	S$15,001 to S$20,000	S$20,001 to S$30,000	S$30,001 to S$40,000	S$40,001 to S$50,000
0	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00
1	×1.00	×1.15	×1.20	×1.35	×1.50	×1.65	×1.80
2	×1.20	×1.30	×1.35	×1.50	×1.65	×1.80	×2.00

Show all 11 figures

Plus
Car model	Figure
BYD M6	S$36.17
BYD ATTO 3	S$36.17
BYD Dolphin	S$36.17
BYD M3e 50.3 kWh	S$36.17
BYD SEAL Premium	S$36.17
BYD Sealion 6 1.5 DM-i	S$39.77
Denza D9 Elite 103.36 kWh	S$39.77
Denza D9 Grandeur 103.36 kWh	S$39.77
BYD Sealion 7 Premium 82.5 kWh	S$36.17
BYD Sealion 7 Performance 82.5 kWh	S$36.17
BYD Sealion 7 Performance Extended Range 91.39 kWh	S$36.17

Minimum premium S$490.50 · Excess None

The figure is an estimate when any of these are true: Cover type is Third party only. Liberty's online figure is a non-binding Quick Quote (its “Indicative Premium, incl. GST”). We rebuild it from a per-model base premium and Liberty's own factors for your no-claim discount, age, driving experience and an off-peak (weekend) car (for a BYD or Denza Liberty's figure does not change with gender, marital status or the car's age). Your occupation is not in this figure (Liberty adds 20% for some jobs, such as site and trade work, delivery riders, students and the self-employed), nor any named-driver or modification loading, and Liberty sets the excess and final price when it issues the proposal, so treat it as an estimate.

Comprehensive Standard Plan

Offered when Make is one of 11 listed values; Years since the registration year 1 year or more; Cover type is Comprehensive; Workshop is Any workshop; NCD protector is No; Driver's age 22 or more; Driver's age up to 75; Years since the registration year up to 10 years; Years licensed 1 or more; At-fault claims up to 2; Total claim amount up to S$50,000

Base premium One figure for each of 401 car models, from S$1,238.65 to S$3,726.88.

Download all 401 figures (CSV)

Multiplied by (1 of 6)
NCD	Figure
0%	×1.784
10%	×1.606
20%	×1.427
30%	×1.246
40%	×1.119
50%	×1.00

Multiplied by (2 of 6) A factor for each of 4 driver profiles (Single woman, Single man, Married woman, Married man) by 54 bands of driver's age, from ×1.00 to ×2.20.

Show all 216 figures

Multiplied by (2 of 6)
Driverby Driver's age	Up to 22	23	24	25	26	27	28	29	30	31	32	33	34	35	36	37	38	39	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70	71	72	73	74	75
Single woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Single man	×2.20	×2.20	×2.20	×2.026	×1.737	×1.563	×1.505	×1.447	×1.447	×1.332	×1.274	×1.227	×1.193	×1.158	×1.216	×1.216	×1.216	×1.216	×1.216	×1.10	×1.10	×1.10	×1.10	×1.10	×1.158	×1.158	×1.158	×1.158	×1.158	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.447	×1.447	×1.447	×1.447	×1.447
Married woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Married man	×2.00	×2.00	×2.00	×1.842	×1.579	×1.421	×1.368	×1.316	×1.316	×1.211	×1.158	×1.116	×1.084	×1.053	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316

Multiplied by (3 of 6)
Years licensed	Figure
Up to 1	×1.30
2	×1.10
3	×1.05
4 and over	×1.00

Multiplied by (4 of 6)
At-fault claimsby Total claim amount	Up to S$5,000	S$5,001 to S$10,000	S$10,001 to S$15,000	S$15,001 to S$20,000	S$20,001 to S$30,000	S$30,001 to S$40,000	S$40,001 to S$50,000
0	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00
1	×1.00	×1.15	×1.20	×1.35	×1.50	×1.65	×1.80
2	×1.20	×1.30	×1.35	×1.50	×1.65	×1.80	×2.00

Multiplied by (5 of 6)
Years since the registration year	Figure
0 years	Not offered on this plan
1 year	×0.946
2 to 4 years	×1.00
5 to 8 years	×0.989
9 years	×0.957
10 to 20 years	×0.946

Multiplied by (6 of 6)
Off-peak car	Figure
No	×1.00
Yes	×0.75

Plus S$10.90

Minimum premium S$719.40 · Excess S$600 for you or a named driver, S$1,100 for any other driver; a further S$3,000 when the driver is young, elderly or inexperienced

The figure is an estimate when any of these are true: Cover type is Comprehensive. Liberty's online figure is a non-binding Quick Quote (its “Indicative Premium, incl. GST”). We rebuild it from a per-model base premium and Liberty's own factors for your no-claim discount, age, gender, marital status, driving experience, the car's age and an off-peak (weekend) car. Your occupation is not in this figure (Liberty adds 20% for some jobs, such as site and trade work, delivery riders, students and the self-employed), nor any named-driver or modification loading, and Liberty sets the excess and final price when it issues the proposal, so treat it as an estimate.

Comprehensive Preferred Plan

Offered when Make is one of 11 listed values; Years since the registration year 1 year or more; Cover type is Comprehensive; Workshop is Authorised workshop; NCD protector is No; Driver's age 22 or more; Driver's age up to 75; Years since the registration year up to 20 years; Years licensed 1 or more; At-fault claims up to 2; Total claim amount up to S$50,000

Base premium One figure for each of 401 car models, from S$953.76 to S$2,869.70.

Download all 401 figures (CSV)

Multiplied by (1 of 6)
NCD	Figure
0%	×1.784
10%	×1.606
20%	×1.427
30%	×1.246
40%	×1.119
50%	×1.00

Multiplied by (2 of 6) A factor for each of 4 driver profiles (Single woman, Single man, Married woman, Married man) by 54 bands of driver's age, from ×1.00 to ×2.20.

Show all 216 figures

Multiplied by (2 of 6)
Driverby Driver's age	Up to 22	23	24	25	26	27	28	29	30	31	32	33	34	35	36	37	38	39	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70	71	72	73	74	75
Single woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Single man	×2.20	×2.20	×2.20	×2.026	×1.737	×1.563	×1.505	×1.447	×1.447	×1.332	×1.274	×1.227	×1.193	×1.158	×1.216	×1.216	×1.216	×1.216	×1.216	×1.10	×1.10	×1.10	×1.10	×1.10	×1.158	×1.158	×1.158	×1.158	×1.158	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.447	×1.447	×1.447	×1.447	×1.447
Married woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Married man	×2.00	×2.00	×2.00	×1.842	×1.579	×1.421	×1.368	×1.316	×1.316	×1.211	×1.158	×1.116	×1.084	×1.053	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316

Multiplied by (3 of 6)
Years licensed	Figure
Up to 1	×1.30
2	×1.10
3	×1.05
4 and over	×1.00

Multiplied by (4 of 6)
At-fault claimsby Total claim amount	Up to S$5,000	S$5,001 to S$10,000	S$10,001 to S$15,000	S$15,001 to S$20,000	S$20,001 to S$30,000	S$30,001 to S$40,000	S$40,001 to S$50,000
0	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00
1	×1.00	×1.15	×1.20	×1.35	×1.50	×1.65	×1.80
2	×1.20	×1.30	×1.35	×1.50	×1.65	×1.80	×2.00

Multiplied by (5 of 6)
Years since the registration year	Figure
0 years	Not offered on this plan
1 year	×0.946
2 to 4 years	×1.00
5 to 8 years	×0.989
9 years	×0.957
10 to 20 years	×0.946

Multiplied by (6 of 6)
Off-peak car	Figure
No	×1.00
Yes	×0.75

Plus S$10.90

Minimum premium S$664.90 · Excess S$600 for you or a named driver, S$1,100 for any other driver; a further S$3,000 when the driver is young, elderly or inexperienced

The figure is an estimate when any of these are true: Cover type is Comprehensive. Liberty's online figure is a non-binding Quick Quote (its “Indicative Premium, incl. GST”). We rebuild it from a per-model base premium and Liberty's own factors for your no-claim discount, age, gender, marital status, driving experience, the car's age and an off-peak (weekend) car. Your occupation is not in this figure (Liberty adds 20% for some jobs, such as site and trade work, delivery riders, students and the self-employed), nor any named-driver or modification loading, and Liberty sets the excess and final price when it issues the proposal, so treat it as an estimate.

Third-party, fire & theft

Offered when Make is one of 11 listed values; Years since the registration year 1 year or more; Cover type is Third party, fire and theft; NCD protector is No; Driver's age 22 or more; Driver's age up to 75; Years since the registration year up to 20 years; Years licensed 1 or more; At-fault claims up to 2; Total claim amount up to S$50,000

Base premium One figure for each of 401 car models, from S$741.03 to S$2,229.61.

Download all 401 figures (CSV)

Multiplied by (1 of 5)
NCD	Figure
0%	×1.784
10%	×1.606
20%	×1.427
30%	×1.246
40%	×1.119
50%	×1.00

Multiplied by (2 of 5) A factor for each of 4 driver profiles (Single woman, Single man, Married woman, Married man) by 54 bands of driver's age, from ×1.00 to ×2.20.

Show all 216 figures

Multiplied by (2 of 5)
Driverby Driver's age	Up to 22	23	24	25	26	27	28	29	30	31	32	33	34	35	36	37	38	39	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70	71	72	73	74	75
Single woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Single man	×2.20	×2.20	×2.20	×2.026	×1.737	×1.563	×1.505	×1.447	×1.447	×1.332	×1.274	×1.227	×1.193	×1.158	×1.216	×1.216	×1.216	×1.216	×1.216	×1.10	×1.10	×1.10	×1.10	×1.10	×1.158	×1.158	×1.158	×1.158	×1.158	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.447	×1.447	×1.447	×1.447	×1.447
Married woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Married man	×2.00	×2.00	×2.00	×1.842	×1.579	×1.421	×1.368	×1.316	×1.316	×1.211	×1.158	×1.116	×1.084	×1.053	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316

Multiplied by (3 of 5)
Years licensed	Figure
Up to 1	×1.30
2	×1.10
3	×1.05
4 and over	×1.00

Multiplied by (4 of 5)
At-fault claimsby Total claim amount	Up to S$5,000	S$5,001 to S$10,000	S$10,001 to S$15,000	S$15,001 to S$20,000	S$20,001 to S$30,000	S$30,001 to S$40,000	S$40,001 to S$50,000
0	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00
1	×1.00	×1.15	×1.20	×1.35	×1.50	×1.65	×1.80
2	×1.20	×1.30	×1.35	×1.50	×1.65	×1.80	×2.00

Multiplied by (5 of 5)
Off-peak car	Figure
No	×1.00
Yes	×0.75

Minimum premium S$545.00 · Excess S$600 for you or a named driver, S$1,100 for any other driver; a further S$3,000 when the driver is young, elderly or inexperienced

The figure is an estimate when any of these are true: Cover type is Third party, fire and theft. Liberty's online figure is a non-binding Quick Quote (its “Indicative Premium, incl. GST”). We rebuild it from a per-model base premium and Liberty's own factors for your no-claim discount, age, gender, marital status, driving experience, the car's age and an off-peak (weekend) car. Your occupation is not in this figure (Liberty adds 20% for some jobs, such as site and trade work, delivery riders, students and the self-employed), nor any named-driver or modification loading, and Liberty sets the excess and final price when it issues the proposal, so treat it as an estimate.

Third-party

Offered when Make is one of 11 listed values; Years since the registration year 1 year or more; Cover type is Third party only; NCD protector is No; Driver's age 22 or more; Driver's age up to 75; Years since the registration year up to 20 years; Years licensed 1 or more; At-fault claims up to 2; Total claim amount up to S$50,000

Base premium One figure for each of 401 car models, from S$666.93 to S$2,006.67.

Download all 401 figures (CSV)

Multiplied by (1 of 5)
NCD	Figure
0%	×1.784
10%	×1.606
20%	×1.427
30%	×1.246
40%	×1.119
50%	×1.00

Multiplied by (2 of 5) A factor for each of 4 driver profiles (Single woman, Single man, Married woman, Married man) by 54 bands of driver's age, from ×1.00 to ×2.20.

Show all 216 figures

Multiplied by (2 of 5)
Driverby Driver's age	Up to 22	23	24	25	26	27	28	29	30	31	32	33	34	35	36	37	38	39	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70	71	72	73	74	75
Single woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Single man	×2.20	×2.20	×2.20	×2.026	×1.737	×1.563	×1.505	×1.447	×1.447	×1.332	×1.274	×1.227	×1.193	×1.158	×1.216	×1.216	×1.216	×1.216	×1.216	×1.10	×1.10	×1.10	×1.10	×1.10	×1.158	×1.158	×1.158	×1.158	×1.158	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.447	×1.447	×1.447	×1.447	×1.447
Married woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Married man	×2.00	×2.00	×2.00	×1.842	×1.579	×1.421	×1.368	×1.316	×1.316	×1.211	×1.158	×1.116	×1.084	×1.053	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316

Multiplied by (3 of 5)
Years licensed	Figure
Up to 1	×1.30
2	×1.10
3	×1.05
4 and over	×1.00

Multiplied by (4 of 5)
At-fault claimsby Total claim amount	Up to S$5,000	S$5,001 to S$10,000	S$10,001 to S$15,000	S$15,001 to S$20,000	S$20,001 to S$30,000	S$30,001 to S$40,000	S$40,001 to S$50,000
0	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00
1	×1.00	×1.15	×1.20	×1.35	×1.50	×1.65	×1.80
2	×1.20	×1.30	×1.35	×1.50	×1.65	×1.80	×2.00

Multiplied by (5 of 5)
Off-peak car	Figure
No	×1.00
Yes	×0.75

Minimum premium S$490.50 · Excess None

The figure is an estimate when any of these are true: Cover type is Third party only. Liberty's online figure is a non-binding Quick Quote (its “Indicative Premium, incl. GST”). We rebuild it from a per-model base premium and Liberty's own factors for your no-claim discount, age, gender, marital status, driving experience, the car's age and an off-peak (weekend) car. Your occupation is not in this figure (Liberty adds 20% for some jobs, such as site and trade work, delivery riders, students and the self-employed), nor any named-driver or modification loading, and Liberty sets the excess and final price when it issues the proposal, so treat it as an estimate.

Comprehensive Standard Plan

Offered when Make is one of 70 listed values; Cover type is Comprehensive; Workshop is Any workshop; NCD protector is No; Driver's age 22 or more; Driver's age up to 75; Years since the registration year up to 10 years; Years licensed 1 or more; At-fault claims up to 2; Total claim amount up to S$50,000

Base premium One figure for each of 823 car models, from S$923.67 to S$3,007.75.

Download all 823 figures (CSV)

Multiplied by (1 of 6)
NCD	Figure
0%	×1.784
10%	×1.606
20%	×1.427
30%	×1.246
40%	×1.119
50%	×1.00

Multiplied by (2 of 6) A factor for each of 4 driver profiles (Single woman, Single man, Married woman, Married man) by 54 bands of driver's age, from ×1.00 to ×2.20.

Show all 216 figures

Multiplied by (2 of 6)
Driverby Driver's age	Up to 22	23	24	25	26	27	28	29	30	31	32	33	34	35	36	37	38	39	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70	71	72	73	74	75
Single woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Single man	×2.20	×2.20	×2.20	×2.026	×1.737	×1.563	×1.505	×1.447	×1.447	×1.332	×1.274	×1.227	×1.193	×1.158	×1.216	×1.216	×1.216	×1.216	×1.216	×1.10	×1.10	×1.10	×1.10	×1.10	×1.158	×1.158	×1.158	×1.158	×1.158	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.447	×1.447	×1.447	×1.447	×1.447
Married woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Married man	×2.00	×2.00	×2.00	×1.842	×1.579	×1.421	×1.368	×1.316	×1.316	×1.211	×1.158	×1.116	×1.084	×1.053	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316

Multiplied by (3 of 6)
Years licensed	Figure
Up to 1	×1.30
2	×1.10
3	×1.05
4 and over	×1.00

Multiplied by (4 of 6)
At-fault claimsby Total claim amount	Up to S$5,000	S$5,001 to S$10,000	S$10,001 to S$15,000	S$15,001 to S$20,000	S$20,001 to S$30,000	S$30,001 to S$40,000	S$40,001 to S$50,000
0	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00
1	×1.00	×1.15	×1.20	×1.35	×1.50	×1.65	×1.80
2	×1.20	×1.30	×1.35	×1.50	×1.65	×1.80	×2.00

Multiplied by (5 of 6)
Years since the registration year	Figure
0 years	×1.075
1 year	×0.946
2 to 4 years	×1.00
5 to 8 years	×0.989
9 years	×0.957
10 to 20 years	×0.946

Multiplied by (6 of 6)
Off-peak car	Figure
No	×1.00
Yes	×0.75

Plus S$10.90

Minimum premium S$719.40 · Excess S$600 for you or a named driver, S$1,100 for any other driver; a further S$3,000 when the driver is young, elderly or inexperienced

The figure is an estimate when any of these are true: Cover type is Comprehensive. Liberty's online figure is a non-binding Quick Quote (its “Indicative Premium, incl. GST”). We rebuild it from a per-model base premium and Liberty's own factors for your no-claim discount, age, gender, marital status, driving experience, the car's age and an off-peak (weekend) car. Your occupation is not in this figure (Liberty adds 20% for some jobs, such as site and trade work, delivery riders, students and the self-employed), nor any named-driver or modification loading, and Liberty sets the excess and final price when it issues the proposal, so treat it as an estimate.

Comprehensive Preferred Plan

Offered when Make is one of 70 listed values; Cover type is Comprehensive; Workshop is Authorised workshop; NCD protector is No; Driver's age 22 or more; Driver's age up to 75; Years since the registration year up to 20 years; Years licensed 1 or more; At-fault claims up to 2; Total claim amount up to S$50,000

Base premium One figure for each of 823 car models, from S$711.23 to S$2,315.96.

Download all 823 figures (CSV)

Multiplied by (1 of 6)
NCD	Figure
0%	×1.784
10%	×1.606
20%	×1.427
30%	×1.246
40%	×1.119
50%	×1.00

Multiplied by (2 of 6) A factor for each of 4 driver profiles (Single woman, Single man, Married woman, Married man) by 54 bands of driver's age, from ×1.00 to ×2.20.

Show all 216 figures

Multiplied by (2 of 6)
Driverby Driver's age	Up to 22	23	24	25	26	27	28	29	30	31	32	33	34	35	36	37	38	39	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70	71	72	73	74	75
Single woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Single man	×2.20	×2.20	×2.20	×2.026	×1.737	×1.563	×1.505	×1.447	×1.447	×1.332	×1.274	×1.227	×1.193	×1.158	×1.216	×1.216	×1.216	×1.216	×1.216	×1.10	×1.10	×1.10	×1.10	×1.10	×1.158	×1.158	×1.158	×1.158	×1.158	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.447	×1.447	×1.447	×1.447	×1.447
Married woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Married man	×2.00	×2.00	×2.00	×1.842	×1.579	×1.421	×1.368	×1.316	×1.316	×1.211	×1.158	×1.116	×1.084	×1.053	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316

Multiplied by (3 of 6)
Years licensed	Figure
Up to 1	×1.30
2	×1.10
3	×1.05
4 and over	×1.00

Multiplied by (4 of 6)
At-fault claimsby Total claim amount	Up to S$5,000	S$5,001 to S$10,000	S$10,001 to S$15,000	S$15,001 to S$20,000	S$20,001 to S$30,000	S$30,001 to S$40,000	S$40,001 to S$50,000
0	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00
1	×1.00	×1.15	×1.20	×1.35	×1.50	×1.65	×1.80
2	×1.20	×1.30	×1.35	×1.50	×1.65	×1.80	×2.00

Multiplied by (5 of 6)
Years since the registration year	Figure
0 years	×1.075
1 year	×0.946
2 to 4 years	×1.00
5 to 8 years	×0.989
9 years	×0.957
10 to 20 years	×0.946

Multiplied by (6 of 6)
Off-peak car	Figure
No	×1.00
Yes	×0.75

Plus S$10.90

Minimum premium S$664.90 · Excess S$600 for you or a named driver, S$1,100 for any other driver; a further S$3,000 when the driver is young, elderly or inexperienced

The figure is an estimate when any of these are true: Cover type is Comprehensive. Liberty's online figure is a non-binding Quick Quote (its “Indicative Premium, incl. GST”). We rebuild it from a per-model base premium and Liberty's own factors for your no-claim discount, age, gender, marital status, driving experience, the car's age and an off-peak (weekend) car. Your occupation is not in this figure (Liberty adds 20% for some jobs, such as site and trade work, delivery riders, students and the self-employed), nor any named-driver or modification loading, and Liberty sets the excess and final price when it issues the proposal, so treat it as an estimate.

Third-party, fire & theft

Offered when Make is one of 70 listed values; Cover type is Third party, fire and theft; NCD protector is No; Driver's age 22 or more; Driver's age up to 75; Years since the registration year up to 20 years; Years licensed 1 or more; At-fault claims up to 2; Total claim amount up to S$50,000

Base premium One figure for each of 823 car models, from S$552.59 to S$1,799.38.

Download all 823 figures (CSV)

Multiplied by (1 of 5)
NCD	Figure
0%	×1.784
10%	×1.606
20%	×1.427
30%	×1.246
40%	×1.119
50%	×1.00

Multiplied by (2 of 5) A factor for each of 4 driver profiles (Single woman, Single man, Married woman, Married man) by 54 bands of driver's age, from ×1.00 to ×2.20.

Show all 216 figures

Multiplied by (2 of 5)
Driverby Driver's age	Up to 22	23	24	25	26	27	28	29	30	31	32	33	34	35	36	37	38	39	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70	71	72	73	74	75
Single woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Single man	×2.20	×2.20	×2.20	×2.026	×1.737	×1.563	×1.505	×1.447	×1.447	×1.332	×1.274	×1.227	×1.193	×1.158	×1.216	×1.216	×1.216	×1.216	×1.216	×1.10	×1.10	×1.10	×1.10	×1.10	×1.158	×1.158	×1.158	×1.158	×1.158	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.447	×1.447	×1.447	×1.447	×1.447
Married woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Married man	×2.00	×2.00	×2.00	×1.842	×1.579	×1.421	×1.368	×1.316	×1.316	×1.211	×1.158	×1.116	×1.084	×1.053	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316

Multiplied by (3 of 5)
Years licensed	Figure
Up to 1	×1.30
2	×1.10
3	×1.05
4 and over	×1.00

Multiplied by (4 of 5)
At-fault claimsby Total claim amount	Up to S$5,000	S$5,001 to S$10,000	S$10,001 to S$15,000	S$15,001 to S$20,000	S$20,001 to S$30,000	S$30,001 to S$40,000	S$40,001 to S$50,000
0	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00
1	×1.00	×1.15	×1.20	×1.35	×1.50	×1.65	×1.80
2	×1.20	×1.30	×1.35	×1.50	×1.65	×1.80	×2.00

Multiplied by (5 of 5)
Off-peak car	Figure
No	×1.00
Yes	×0.75

Minimum premium S$545.00 · Excess S$600 for you or a named driver, S$1,100 for any other driver; a further S$3,000 when the driver is young, elderly or inexperienced

The figure is an estimate when any of these are true: Cover type is Third party, fire and theft. Liberty's online figure is a non-binding Quick Quote (its “Indicative Premium, incl. GST”). We rebuild it from a per-model base premium and Liberty's own factors for your no-claim discount, age, gender, marital status, driving experience, the car's age and an off-peak (weekend) car. Your occupation is not in this figure (Liberty adds 20% for some jobs, such as site and trade work, delivery riders, students and the self-employed), nor any named-driver or modification loading, and Liberty sets the excess and final price when it issues the proposal, so treat it as an estimate.

Third-party

Offered when Make is one of 70 listed values; Cover type is Third party only; NCD protector is No; Driver's age 22 or more; Driver's age up to 75; Years since the registration year up to 20 years; Years licensed 1 or more; At-fault claims up to 2; Total claim amount up to S$50,000

Base premium One figure for each of 823 car models, from S$497.33 to S$1,619.46.

Download all 823 figures (CSV)

Multiplied by (1 of 5)
NCD	Figure
0%	×1.784
10%	×1.606
20%	×1.427
30%	×1.246
40%	×1.119
50%	×1.00

Multiplied by (2 of 5) A factor for each of 4 driver profiles (Single woman, Single man, Married woman, Married man) by 54 bands of driver's age, from ×1.00 to ×2.20.

Show all 216 figures

Multiplied by (2 of 5)
Driverby Driver's age	Up to 22	23	24	25	26	27	28	29	30	31	32	33	34	35	36	37	38	39	40	41	42	43	44	45	46	47	48	49	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70	71	72	73	74	75
Single woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Single man	×2.20	×2.20	×2.20	×2.026	×1.737	×1.563	×1.505	×1.447	×1.447	×1.332	×1.274	×1.227	×1.193	×1.158	×1.216	×1.216	×1.216	×1.216	×1.216	×1.10	×1.10	×1.10	×1.10	×1.10	×1.158	×1.158	×1.158	×1.158	×1.158	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.274	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.239	×1.447	×1.447	×1.447	×1.447	×1.447
Married woman	×1.90	×1.90	×1.90	×1.75	×1.50	×1.35	×1.30	×1.25	×1.25	×1.15	×1.10	×1.06	×1.03	×1.00	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316
Married man	×2.00	×2.00	×2.00	×1.842	×1.579	×1.421	×1.368	×1.316	×1.316	×1.211	×1.158	×1.116	×1.084	×1.053	×1.105	×1.105	×1.105	×1.105	×1.105	×1.00	×1.00	×1.00	×1.00	×1.00	×1.053	×1.053	×1.053	×1.053	×1.053	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.158	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.126	×1.316	×1.316	×1.316	×1.316	×1.316

Multiplied by (3 of 5)
Years licensed	Figure
Up to 1	×1.30
2	×1.10
3	×1.05
4 and over	×1.00

Multiplied by (4 of 5)
At-fault claimsby Total claim amount	Up to S$5,000	S$5,001 to S$10,000	S$10,001 to S$15,000	S$15,001 to S$20,000	S$20,001 to S$30,000	S$30,001 to S$40,000	S$40,001 to S$50,000
0	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00	×1.00
1	×1.00	×1.15	×1.20	×1.35	×1.50	×1.65	×1.80
2	×1.20	×1.30	×1.35	×1.50	×1.65	×1.80	×2.00

Multiplied by (5 of 5)
Off-peak car	Figure
No	×1.00
Yes	×0.75

Minimum premium S$490.50 · Excess None

The figure is an estimate when any of these are true: Cover type is Third party only. Liberty's online figure is a non-binding Quick Quote (its “Indicative Premium, incl. GST”). We rebuild it from a per-model base premium and Liberty's own factors for your no-claim discount, age, gender, marital status, driving experience, the car's age and an off-peak (weekend) car. Your occupation is not in this figure (Liberty adds 20% for some jobs, such as site and trade work, delivery riders, students and the self-employed), nor any named-driver or modification loading, and Liberty sets the excess and final price when it issues the proposal, so treat it as an estimate.

Car models we can't price

1,380 of the 2,615 car models on our form have no online price from any Liberty plan, usually because the model isn't in Liberty's table. Liberty 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.

Example	Answers	Working	Premium
Toyota Corolla Altis 1.6, registered 2023, driver aged 45, 50% NCDComprehensive Standard Plan	NCD: 50% Car model: Toyota Corolla Altis 1.6 Off-peak car: No Workshop: Any workshop Cover type: Comprehensive Driver's age: 45 Total claim amount: S$0 Years since the registration year: 3 years Years licensed: 10 NCD protector: No At-fault claims: 0 Driver: Married man	Base S$1,435.93 (Car model Toyota Corolla Altis 1.6) × 1.00 (NCD 50%) = S$1,435.93 × 1.00 (Driver Married man, Driver's age 45) = S$1,435.93 × 1.00 (Years licensed 4 and over) = S$1,435.93 × 1.00 (At-fault claims 0, Total claim amount Up to S$5,000) = S$1,435.93 × 1.00 (Years since the registration year 2 to 4 years) = S$1,435.93 × 1.00 (Off-peak car No) = S$1,435.93 + S$10.90 = S$1,446.83 GST is included: S$1,446.83	S$1,446.83
Toyota Corolla Altis 1.6, registered 2023, driver aged 30, 0% NCDComprehensive Standard Plan	NCD: 0% Car model: Toyota Corolla Altis 1.6 Off-peak car: No Workshop: Any workshop Cover type: Comprehensive Driver's age: 30 Total claim amount: S$0 Years since the registration year: 3 years Years licensed: 10 NCD protector: No At-fault claims: 0 Driver: Married man	Base S$1,435.93 (Car model Toyota Corolla Altis 1.6) × 1.78 (NCD 0%) = S$2,561.88 × 1.32 (Driver Married man, Driver's age 30) = S$3,370.92 × 1.00 (Years licensed 4 and over) = S$3,370.92 × 1.00 (At-fault claims 0, Total claim amount Up to S$5,000) = S$3,370.92 × 1.00 (Years since the registration year 2 to 4 years) = S$3,370.92 × 1.00 (Off-peak car No) = S$3,370.92 + S$10.90 = S$3,381.82 GST is included: S$3,381.82	S$3,381.82
Toyota Corolla Altis 1.6, registered 2023, driver aged 45, 50% NCDComprehensive Preferred Plan	NCD: 50% Car model: Toyota Corolla Altis 1.6 Off-peak car: No Workshop: Authorised workshop Cover type: Comprehensive Driver's age: 45 Total claim amount: S$0 Years since the registration year: 3 years Years licensed: 10 NCD protector: No At-fault claims: 0 Driver: Married man	Base S$1,105.67 (Car model Toyota Corolla Altis 1.6) × 1.00 (NCD 50%) = S$1,105.67 × 1.00 (Driver Married man, Driver's age 45) = S$1,105.67 × 1.00 (Years licensed 4 and over) = S$1,105.67 × 1.00 (At-fault claims 0, Total claim amount Up to S$5,000) = S$1,105.67 × 1.00 (Years since the registration year 2 to 4 years) = S$1,105.67 × 1.00 (Off-peak car No) = S$1,105.67 + S$10.90 = S$1,116.57 GST is included: S$1,116.57	S$1,116.57
Toyota Corolla Altis 1.6, registered 2023, driver aged 30, 0% NCDComprehensive Preferred Plan	NCD: 0% Car model: Toyota Corolla Altis 1.6 Off-peak car: No Workshop: Authorised workshop Cover type: Comprehensive Driver's age: 30 Total claim amount: S$0 Years since the registration year: 3 years Years licensed: 10 NCD protector: No At-fault claims: 0 Driver: Married man	Base S$1,105.67 (Car model Toyota Corolla Altis 1.6) × 1.78 (NCD 0%) = S$1,972.66 × 1.32 (Driver Married man, Driver's age 30) = S$2,595.62 × 1.00 (Years licensed 4 and over) = S$2,595.62 × 1.00 (At-fault claims 0, Total claim amount Up to S$5,000) = S$2,595.62 × 1.00 (Years since the registration year 2 to 4 years) = S$2,595.62 × 1.00 (Off-peak car No) = S$2,595.62 + S$10.90 = S$2,606.52 GST is included: S$2,606.52	S$2,606.52
Toyota Corolla Altis 1.6, registered 2023, driver aged 45, 50% NCDThird-party, fire & theft	NCD: 50% Car model: Toyota Corolla Altis 1.6 Off-peak car: No Cover type: Third party, fire and theft Driver's age: 45 Total claim amount: S$0 Years since the registration year: 3 years Years licensed: 10 NCD protector: No At-fault claims: 0 Driver: Married man	Base S$859.05 (Car model Toyota Corolla Altis 1.6) × 1.00 (NCD 50%) = S$859.05 × 1.00 (Driver Married man, Driver's age 45) = S$859.05 × 1.00 (Years licensed 4 and over) = S$859.05 × 1.00 (At-fault claims 0, Total claim amount Up to S$5,000) = S$859.05 × 1.00 (Off-peak car No) = S$859.05 GST is included: S$859.05	S$859.05
Toyota Corolla Altis 1.6, registered 2023, driver aged 30, 0% NCDThird-party, fire & theft	NCD: 0% Car model: Toyota Corolla Altis 1.6 Off-peak car: No Cover type: Third party, fire and theft Driver's age: 30 Total claim amount: S$0 Years since the registration year: 3 years Years licensed: 10 NCD protector: No At-fault claims: 0 Driver: Married man	Base S$859.05 (Car model Toyota Corolla Altis 1.6) × 1.78 (NCD 0%) = S$1,532.66 × 1.32 (Driver Married man, Driver's age 30) = S$2,016.66 × 1.00 (Years licensed 4 and over) = S$2,016.66 × 1.00 (At-fault claims 0, Total claim amount Up to S$5,000) = S$2,016.66 × 1.00 (Off-peak car No) = S$2,016.66 GST is included: S$2,016.66	S$2,016.66

Download all 1,227 examples (CSV)

Where the figures come from

Plus 7 files of saved quotes, data and screenshots from Liberty's online quote tool, kept with the table.

Before going live the table was checked against the insurer's own online quotes.

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