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MS First Capital

Car insurance

How MS First Capital prices car insurance

Priced online

What the figures include

The table's figures already include 9% GST.

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

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

  • MS First Capital does not quote electric cars online.
  • MS First Capital quotes cars registered up to 20 years ago online (comprehensive up to 10 years, third party, fire and theft up to 15, third party only up to 20).
  • MS First Capital does not quote engines over 4,500 cc online.
  • MS First Capital quotes main drivers aged 18 to 79 online.
  • MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them.
  • MS First Capital's online quote does not accept that much driving experience for a driver of this age: under 1 year at 18, up to 2 years at 19.
  • MS First Capital's online quote allows no NCD with under 1 year of driving and at most 10% with 1 year.
  • MS First Capital's online quote allows at most 10% NCD for each year since the driver turned 18 (20% at 20, 30% at 21, 40% at 22).

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 21 Oct 2026.

Plans and how each is priced

Comprehensive

Offered when Cover type is Comprehensive; Years since the registration year up to 10 years; Electric car is No; Engine capacity up to 4,500 cc; NCD, when the NCD protector is added 50% or more

Base premium One figure for each of 511 model families, from S$754.05 to S$1,361.90.

Download all 511 figures (CSV)

Multiplied by (1 of 16)
Engine capacityFigure
Up to 800 cc×0.605
801 to 1,000 cc×0.766
1,001 to 1,200 cc×0.789
1,201 to 1,400 cc×0.863
1,401 to 1,500 cc×0.888
1,501 to 1,600 cc×1.00
1,601 to 1,800 cc×1.061
1,801 to 2,000 cc×1.093
2,001 to 2,200 cc×1.126
2,201 to 2,400 cc×1.159
2,401 cc and over×1.267
Multiplied by (2 of 16)
NCDFigure
0%×2.30
10%×1.895
20%×1.684
30%×1.40
40%×1.20
50%×1.00
Multiplied by (3 of 16)
Years since the registration yearFigure
Up to 2 years×1.061
3 years×1.03
4 years×1.00
5 to 10 years×0.971
11 to 20 yearsNot offered on this plan
Multiplied by (4 of 16)
Driver's ageFigure
Up to 21×2.357
22 to 24×1.974
25 to 26×1.702
27 to 28×1.469
29 to 30×1.305
31 to 32×1.159
33 to 35×1.093
36 to 45×1.00
46 to 65×1.093
66 to 75×1.202
76 to 79×1.311
Multiplied by (5 of 16)
Years licensedFigure
0×1.469
1×1.23
2 to 30×1.00
Multiplied by (6 of 16)
GenderFigure
Female×0.943
Male×1.00
Multiplied by (7 of 16)
OccupationFigure
Indoor×1.00
Outdoor×1.159
Multiplied by (8 of 16)
Off-peak carFigure
No×1.00
Yes×0.744
Multiplied by (9 of 16)
NCD protectorFigure
No×1.00
Yes×1.10
Multiplied by (10 of 16)
Marital statusFigure
Single×1.00
Married×1.00
Multiplied by (11 of 16)
Certificate of meritFigure
No×1.00
Yes×1.00
Multiplied by (12 of 16)
WorkshopFigure
Any workshop×1.00
Authorised workshop×1.00
Multiplied by (13 of 16)
UsageFigure
Private×1.00
Multiplied by (14 of 16)
At-fault claimsFigure
0×1.00
Multiplied by (15 of 16)
Modified carFigure
No×1.00
Multiplied by (16 of 16)
Car modelFigure
Toyota Corolla Altis 1.4×1.061
Toyota Corolla Altis 1.8×1.061
Any other×1.00

Excess S$500 own damage for named drivers, S$700 for unnamed drivers; S$3,500 for drivers under 22 or with under 2 years' licence

Third Party Fire and Theft

Offered when Cover type is Third party, fire and theft; Years since the registration year up to 15 years; Electric car is No; Engine capacity up to 4,500 cc; NCD, when the NCD protector is added 50% or more

Base premium One figure for each of 511 model families, from S$544.74 to S$983.88.

Download all 511 figures (CSV)

Multiplied by (1 of 16)
Engine capacityFigure
Up to 800 cc×0.605
801 to 1,000 cc×0.766
1,001 to 1,200 cc×0.789
1,201 to 1,400 cc×0.863
1,401 to 1,500 cc×0.888
1,501 to 1,600 cc×1.00
1,601 to 1,800 cc×1.061
1,801 to 2,000 cc×1.093
2,001 to 2,200 cc×1.126
2,201 to 2,400 cc×1.159
2,401 cc and over×1.267
Multiplied by (2 of 16)
NCDFigure
0%×2.30
10%×1.895
20%×1.684
30%×1.40
40%×1.20
50%×1.00
Multiplied by (3 of 16)
Years since the registration yearFigure
Up to 2 years×1.061
3 years×1.03
4 years×1.00
5 to 10 years×0.971
11 to 20 years×0.971
Multiplied by (4 of 16)
Driver's ageFigure
Up to 21×2.357
22 to 24×1.974
25 to 26×1.702
27 to 28×1.469
29 to 30×1.305
31 to 32×1.159
33 to 35×1.093
36 to 45×1.00
46 to 65×1.093
66 to 75×1.202
76 to 79×1.311
Multiplied by (5 of 16)
Years licensedFigure
0×1.469
1×1.23
2 to 30×1.00
Multiplied by (6 of 16)
GenderFigure
Female×0.943
Male×1.00
Multiplied by (7 of 16)
OccupationFigure
Indoor×1.00
Outdoor×1.159
Multiplied by (8 of 16)
Off-peak carFigure
No×1.00
Yes×0.744
Multiplied by (9 of 16)
NCD protectorFigure
No×1.00
Yes×1.10
Multiplied by (10 of 16)
Marital statusFigure
Single×1.00
Married×1.00
Multiplied by (11 of 16)
Certificate of meritFigure
No×1.00
Yes×1.00
Multiplied by (12 of 16)
WorkshopFigure
Any workshop×1.00
Authorised workshop×1.00
Multiplied by (13 of 16)
UsageFigure
Private×1.00
Multiplied by (14 of 16)
At-fault claimsFigure
0×1.00
Multiplied by (15 of 16)
Modified carFigure
No×1.00
Multiplied by (16 of 16)
Car modelFigure
Toyota Corolla Altis 1.4×1.061
Toyota Corolla Altis 1.8×1.061
Any other×1.00

Excess None; S$3,500 for drivers under 22 or with under 2 years' licence

Third Party Only

Offered when Cover type is Third party only; Years since the registration year up to 20 years; Electric car is No; Engine capacity up to 4,500 cc; NCD, when the NCD protector is added 50% or more

Base premium One figure for each of 511 model families, from S$513.47 to S$927.39.

Download all 511 figures (CSV)

Multiplied by (1 of 16)
Engine capacityFigure
Up to 800 cc×0.605
801 to 1,000 cc×0.766
1,001 to 1,200 cc×0.789
1,201 to 1,400 cc×0.863
1,401 to 1,500 cc×0.888
1,501 to 1,600 cc×1.00
1,601 to 1,800 cc×1.061
1,801 to 2,000 cc×1.093
2,001 to 2,200 cc×1.126
2,201 to 2,400 cc×1.159
2,401 cc and over×1.267
Multiplied by (2 of 16)
NCDFigure
0%×2.30
10%×1.895
20%×1.684
30%×1.40
40%×1.20
50%×1.00
Multiplied by (3 of 16)
Years since the registration yearFigure
Up to 2 years×1.061
3 years×1.03
4 years×1.00
5 to 10 years×0.971
11 to 20 years×0.971
Multiplied by (4 of 16)
Driver's ageFigure
Up to 21×2.357
22 to 24×1.974
25 to 26×1.702
27 to 28×1.469
29 to 30×1.305
31 to 32×1.159
33 to 35×1.093
36 to 45×1.00
46 to 65×1.093
66 to 75×1.202
76 to 79×1.311
Multiplied by (5 of 16)
Years licensedFigure
0×1.469
1×1.23
2 to 30×1.00
Multiplied by (6 of 16)
GenderFigure
Female×0.943
Male×1.00
Multiplied by (7 of 16)
OccupationFigure
Indoor×1.00
Outdoor×1.159
Multiplied by (8 of 16)
Off-peak carFigure
No×1.00
Yes×0.744
Multiplied by (9 of 16)
NCD protectorFigure
No×1.00
Yes×1.10
Multiplied by (10 of 16)
Marital statusFigure
Single×1.00
Married×1.00
Multiplied by (11 of 16)
Certificate of meritFigure
No×1.00
Yes×1.00
Multiplied by (12 of 16)
WorkshopFigure
Any workshop×1.00
Authorised workshop×1.00
Multiplied by (13 of 16)
UsageFigure
Private×1.00
Multiplied by (14 of 16)
At-fault claimsFigure
0×1.00
Multiplied by (15 of 16)
Modified carFigure
No×1.00
Multiplied by (16 of 16)
Car modelFigure
Toyota Corolla Altis 1.4×1.061
Toyota Corolla Altis 1.8×1.061
Any other×1.00

Excess None; S$3,500 on third-party claims for drivers under 22 or with under 2 years' licence

Car models we can't price

1,100 of the 2,615 car models on our form have no online price from any MS First Capital plan, usually because the model isn't in MS First Capital's table. MS First Capital 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 2022, driver aged 41, 50% NCDComprehensive
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Engine capacity: 1,598 cc
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 41
  • Years since the registration year: 4 years
  • Years licensed: 10
  • NCD protector: No
  • NCD, when the NCD protector is added: 100%
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$754.05 (Model family Toyota Corolla Altis)
  2. × 1.00 (Engine capacity 1,501 to 1,600 cc) = S$754.05
  3. × 1.00 (NCD 50%) = S$754.05
  4. × 1.00 (Years since the registration year 4 years) = S$754.05
  5. × 1.00 (Driver's age 36 to 45) = S$754.05
  6. × 1.00 (Years licensed 10) = S$754.05
  7. × 1.00 (Gender Male) = S$754.05
  8. × 1.00 (Occupation Indoor) = S$754.05
  9. × 1.00 (Off-peak car No) = S$754.05
  10. × 1.00 (NCD protector No) = S$754.05
  11. × 1.00 (Marital status Married) = S$754.05
  12. × 1.00 (Certificate of merit No) = S$754.05
  13. × 1.00 (Workshop Any workshop) = S$754.05
  14. × 1.00 (Usage Private) = S$754.05
  15. × 1.00 (At-fault claims 0) = S$754.05
  16. × 1.00 (Modified car No) = S$754.05
  17. × 1.00 (Car model Toyota Corolla Altis 1.6) = S$754.05
  18. GST is included: S$754.05
S$754.05
Toyota Corolla Altis 1.6, registered 2022, driver aged 41, 50% NCDThird Party Fire and Theft
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Engine capacity: 1,598 cc
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 41
  • Years since the registration year: 4 years
  • Years licensed: 10
  • NCD protector: No
  • NCD, when the NCD protector is added: 100%
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$544.75 (Model family Toyota Corolla Altis)
  2. × 1.00 (Engine capacity 1,501 to 1,600 cc) = S$544.75
  3. × 1.00 (NCD 50%) = S$544.75
  4. × 1.00 (Years since the registration year 4 years) = S$544.75
  5. × 1.00 (Driver's age 36 to 45) = S$544.75
  6. × 1.00 (Years licensed 10) = S$544.75
  7. × 1.00 (Gender Male) = S$544.75
  8. × 1.00 (Occupation Indoor) = S$544.75
  9. × 1.00 (Off-peak car No) = S$544.75
  10. × 1.00 (NCD protector No) = S$544.75
  11. × 1.00 (Marital status Married) = S$544.75
  12. × 1.00 (Certificate of merit No) = S$544.75
  13. × 1.00 (Workshop Any workshop) = S$544.75
  14. × 1.00 (Usage Private) = S$544.75
  15. × 1.00 (At-fault claims 0) = S$544.75
  16. × 1.00 (Modified car No) = S$544.75
  17. × 1.00 (Car model Toyota Corolla Altis 1.6) = S$544.75
  18. GST is included: S$544.75
S$544.75
Toyota Corolla Altis 1.6, registered 2022, driver aged 41, 50% NCDThird Party Only
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Engine capacity: 1,598 cc
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 41
  • Years since the registration year: 4 years
  • Years licensed: 10
  • NCD protector: No
  • NCD, when the NCD protector is added: 100%
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$513.48 (Model family Toyota Corolla Altis)
  2. × 1.00 (Engine capacity 1,501 to 1,600 cc) = S$513.48
  3. × 1.00 (NCD 50%) = S$513.48
  4. × 1.00 (Years since the registration year 4 years) = S$513.48
  5. × 1.00 (Driver's age 36 to 45) = S$513.48
  6. × 1.00 (Years licensed 10) = S$513.48
  7. × 1.00 (Gender Male) = S$513.48
  8. × 1.00 (Occupation Indoor) = S$513.48
  9. × 1.00 (Off-peak car No) = S$513.48
  10. × 1.00 (NCD protector No) = S$513.48
  11. × 1.00 (Marital status Married) = S$513.48
  12. × 1.00 (Certificate of merit No) = S$513.48
  13. × 1.00 (Workshop Any workshop) = S$513.48
  14. × 1.00 (Usage Private) = S$513.48
  15. × 1.00 (At-fault claims 0) = S$513.48
  16. × 1.00 (Modified car No) = S$513.48
  17. × 1.00 (Car model Toyota Corolla Altis 1.6) = S$513.48
  18. GST is included: S$513.48
S$513.48
Toyota Corolla Altis 1.8, registered 2022, driver aged 41, 50% NCDComprehensive
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.8
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Engine capacity: 1,798 cc
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 41
  • Years since the registration year: 4 years
  • Years licensed: 10
  • NCD protector: No
  • NCD, when the NCD protector is added: 100%
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$754.05 (Model family Toyota Corolla Altis)
  2. × 1.06 (Engine capacity 1,601 to 1,800 cc) = S$799.96
  3. × 1.00 (NCD 50%) = S$799.96
  4. × 1.00 (Years since the registration year 4 years) = S$799.96
  5. × 1.00 (Driver's age 36 to 45) = S$799.96
  6. × 1.00 (Years licensed 10) = S$799.96
  7. × 1.00 (Gender Male) = S$799.96
  8. × 1.00 (Occupation Indoor) = S$799.96
  9. × 1.00 (Off-peak car No) = S$799.96
  10. × 1.00 (NCD protector No) = S$799.96
  11. × 1.00 (Marital status Married) = S$799.96
  12. × 1.00 (Certificate of merit No) = S$799.96
  13. × 1.00 (Workshop Any workshop) = S$799.96
  14. × 1.00 (Usage Private) = S$799.96
  15. × 1.00 (At-fault claims 0) = S$799.96
  16. × 1.00 (Modified car No) = S$799.96
  17. × 1.06 (Car model Toyota Corolla Altis 1.8) = S$848.70
  18. GST is included: S$848.70
S$848.70
MINI Cooper S, registered 2022, driver aged 41, 50% NCDComprehensive
  • NCD: 50%
  • Car model: MINI Cooper S
  • Usage: Private
  • Gender: Male
  • Off-peak car: No
  • Electric car: No
  • Engine capacity: 1,598 cc
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 41
  • Years since the registration year: 4 years
  • Years licensed: 10
  • NCD protector: No
  • NCD, when the NCD protector is added: 100%
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$983.87 (Model family MINI Cooper)
  2. × 1.00 (Engine capacity 1,501 to 1,600 cc) = S$983.87
  3. × 1.00 (NCD 50%) = S$983.87
  4. × 1.00 (Years since the registration year 4 years) = S$983.87
  5. × 1.00 (Driver's age 36 to 45) = S$983.87
  6. × 1.00 (Years licensed 10) = S$983.87
  7. × 1.00 (Gender Male) = S$983.87
  8. × 1.00 (Occupation Indoor) = S$983.87
  9. × 1.00 (Off-peak car No) = S$983.87
  10. × 1.00 (NCD protector No) = S$983.87
  11. × 1.00 (Marital status Married) = S$983.87
  12. × 1.00 (Certificate of merit No) = S$983.87
  13. × 1.00 (Workshop Any workshop) = S$983.87
  14. × 1.00 (Usage Private) = S$983.87
  15. × 1.00 (At-fault claims 0) = S$983.87
  16. × 1.00 (Modified car No) = S$983.87
  17. × 1.00 (Car model MINI Cooper S) = S$983.87
  18. GST is included: S$983.87
S$983.87
BMW 320i, registered 2013, driver aged 46, 40% NCDThird Party Fire and Theft
  • NCD: 40%
  • Car model: BMW 320i
  • Usage: Private
  • Gender: Female
  • Off-peak car: No
  • Electric car: No
  • Engine capacity: 1,995 cc
  • Modified car: No
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 46
  • Years since the registration year: 13 years
  • Years licensed: 10
  • NCD protector: No
  • NCD, when the NCD protector is added: 100%
  • At-fault claims: 0
  • Marital status: Married
  • Occupation: Indoor
  • Certificate of merit: No
  1. Base S$776.68 (Model family BMW 3 Series)
  2. × 1.09 (Engine capacity 1,801 to 2,000 cc) = S$848.70
  3. × 1.20 (NCD 40%) = S$1,018.44
  4. × 0.97 (Years since the registration year 11 to 20 years) = S$988.77
  5. × 1.09 (Driver's age 46 to 65) = S$1,080.46
  6. × 1.00 (Years licensed 10) = S$1,080.46
  7. × 0.94 (Gender Female) = S$1,018.43
  8. × 1.00 (Occupation Indoor) = S$1,018.43
  9. × 1.00 (Off-peak car No) = S$1,018.43
  10. × 1.00 (NCD protector No) = S$1,018.43
  11. × 1.00 (Marital status Married) = S$1,018.43
  12. × 1.00 (Certificate of merit No) = S$1,018.43
  13. × 1.00 (Workshop Any workshop) = S$1,018.43
  14. × 1.00 (Usage Private) = S$1,018.43
  15. × 1.00 (At-fault claims 0) = S$1,018.43
  16. × 1.00 (Modified car No) = S$1,018.43
  17. × 1.00 (Car model BMW 320i) = S$1,018.43
  18. GST is included: S$1,018.43
S$1,018.43

Download all 1,773 examples (CSV)

Where the figures come from

Plus 12 files of saved quotes, data and screenshots from MS First Capital's online quote tool, kept with the table.

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

Compare car quotesMS First Capital car insurance prices todayBuy on MS First Capital's site

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