Shenton Brokers
Log in
← QBE
QBE

Car insurance

How QBE 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 22 Oct 2026, the day we last checked them against QBE'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 3, live since 23 Oct 2026.

Plans and how each is priced

Private Motor Prestige Comprehensive

Offered when Cover type is Comprehensive; Workshop is Authorised workshop; Driver's age 23 or more; Driver's age up to 70; Years licensed 2 or more; At-fault claims up to 0; Years since the registration year up to 15 years

Base premium One figure for each of 1,425 car models by 16 bands of years since the registration year, from S$1,940.40 to S$3,603.60.

Download all 22,800 figures (CSV)

Multiplied by (1 of 3)
NCDFigure
0%×1.00
10%×0.90
20%×0.80
30%×0.70
40%×0.60
50%×0.50
Multiplied by (2 of 3)
Driver's ageFigure
Up to 24×1.375
25 to 35×1.10
36 to 40×1.05
41 to 60×1.00
61 to 65×1.05
66 to 70×1.10
Multiplied by (3 of 3)
Certificate of meritFigure
No×1.00
Yes×0.881

Excess S$3,000 for you or a named driver (QBE's standard S$1,000 raised by the +S$2,000 driver excess adjustment, which takes 16% off the premium), S$3,500 for any other driver; S$3,500 for each event for a driver below 23 or with less than 2 years' driving experience

Private Motor Prestige Comprehensive

Offered when Cover type is Comprehensive; Workshop is Any workshop; Driver's age 23 or more; Driver's age up to 70; Years licensed 2 or more; At-fault claims up to 0; Years since the registration year up to 15 years

Base premium One figure for each of 1,425 car models by 16 bands of years since the registration year, from S$1,940.40 to S$3,603.60.

Download all 22,800 figures (CSV)

Multiplied by (1 of 4)
NCDFigure
0%×1.00
10%×0.90
20%×0.80
30%×0.70
40%×0.60
50%×0.50
Multiplied by (2 of 4)
Driver's ageFigure
Up to 24×1.375
25 to 35×1.10
36 to 40×1.05
41 to 60×1.00
61 to 65×1.05
66 to 70×1.10
Multiplied by (3 of 4)
Certificate of meritFigure
No×1.00
Yes×0.904

Multiplied by (4 of 4) ×1.238

Excess S$3,000 for you or a named driver (QBE's standard S$1,000 raised by the +S$2,000 driver excess adjustment, which takes 16% off the premium), S$3,500 for any other driver; S$3,500 for each event for a driver below 23 or with less than 2 years' driving experience

Private Motor Prestige Third Party Only

Offered when Cover type is Third party only; Driver's age 23 or more; Driver's age up to 70; Years licensed 2 or more; At-fault claims up to 0; Years since the registration year up to 15 years

Base premium One figure for each of 1,483 car models by 16 bands of years since the registration year, from S$1,100.00 to S$2,660.00.

Download all 23,728 figures (CSV)

Multiplied by (1 of 3)
NCDFigure
0%×1.00
10%×0.90
20%×0.80
30%×0.70
40%×0.60
50%×0.50
Multiplied by (2 of 3)
Driver's ageFigure
Up to 24×1.375
25 to 35×1.10
36 to 40×1.05
41 to 60×1.00
61 to 65×1.05
66 to 70×1.10
Multiplied by (3 of 3)
Certificate of meritFigure
No×1.00
Yes×0.90

Excess No own-damage excess (third-party cover only); S$3,500 for each event for a driver below 23 or with less than 2 years' driving experience

Car models we can't price

1,132 of the 2,615 car models on our form have no online price from any QBE plan, usually because the model isn't in QBE's table. QBE 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 45, 50% NCDPrivate Motor Prestige Comprehensive
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 45
  • Years since the registration year: 4 years
  • Years licensed: 10
  • At-fault claims: 0
  • Certificate of merit: No
  1. Base S$2,847.60 (Car model Toyota Corolla Altis 1.6, Years since the registration year 4 years)
  2. × 0.50 (NCD 50%) = S$1,423.80
  3. × 1.00 (Driver's age 41 to 60) = S$1,423.80
  4. × 1.00 (Certificate of merit No) = S$1,423.80
  5. + 9% GST = S$1,551.94
S$1,551.94
Toyota Corolla Altis 1.6, registered 2022, driver aged 45, 50% NCDPrivate Motor Prestige Comprehensive
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 45
  • Years since the registration year: 4 years
  • Years licensed: 10
  • At-fault claims: 0
  • Certificate of merit: No
  1. Base S$2,847.60 (Car model Toyota Corolla Altis 1.6, Years since the registration year 4 years)
  2. × 0.50 (NCD 50%) = S$1,423.80
  3. × 1.00 (Driver's age 41 to 60) = S$1,423.80
  4. × 1.00 (Certificate of merit No) = S$1,423.80
  5. × 1.24 = S$1,762.80
  6. + 9% GST = S$1,921.45
S$1,921.45
Toyota Corolla Altis 1.6, registered 2022, driver aged 45, 50% NCDPrivate Motor Prestige Third Party Only
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Workshop: Authorised workshop
  • Cover type: Third party only
  • Driver's age: 45
  • Years since the registration year: 4 years
  • Years licensed: 10
  • At-fault claims: 0
  • Certificate of merit: No
  1. Base S$1,920.00 (Car model Toyota Corolla Altis 1.6, Years since the registration year 4 years)
  2. × 0.50 (NCD 50%) = S$960.00
  3. × 1.00 (Driver's age 41 to 60) = S$960.00
  4. × 1.00 (Certificate of merit No) = S$960.00
  5. + 9% GST = S$1,046.40
S$1,046.40
Toyota Corolla Altis 1.6, registered 2022, driver aged 30, 0% NCDPrivate Motor Prestige Comprehensive
  • NCD: 0%
  • Car model: Toyota Corolla Altis 1.6
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 30
  • Years since the registration year: 4 years
  • Years licensed: 10
  • At-fault claims: 0
  • Certificate of merit: Yes
  1. Base S$2,847.60 (Car model Toyota Corolla Altis 1.6, Years since the registration year 4 years)
  2. × 1.00 (NCD 0%) = S$2,847.60
  3. × 1.10 (Driver's age 25 to 35) = S$3,132.36
  4. × 0.88 (Certificate of merit Yes) = S$2,759.46
  5. + 9% GST = S$3,007.81
S$3,007.81
Toyota Corolla Altis 1.6, registered 2022, driver aged 45, 50% NCDPrivate Motor Prestige Comprehensive
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 45
  • Years since the registration year: 4 years
  • Years licensed: 10
  • At-fault claims: 0
  • Certificate of merit: Yes
  1. Base S$2,847.60 (Car model Toyota Corolla Altis 1.6, Years since the registration year 4 years)
  2. × 0.50 (NCD 50%) = S$1,423.80
  3. × 1.00 (Driver's age 41 to 60) = S$1,423.80
  4. × 0.90 (Certificate of merit Yes) = S$1,286.90
  5. × 1.24 = S$1,593.30
  6. + 9% GST = S$1,736.70
S$1,736.70
Toyota Corolla Altis 1.6, registered 2022, driver aged 45, 50% NCDPrivate Motor Prestige Third Party Only
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Workshop: Authorised workshop
  • Cover type: Third party only
  • Driver's age: 45
  • Years since the registration year: 4 years
  • Years licensed: 10
  • At-fault claims: 0
  • Certificate of merit: Yes
  1. Base S$1,920.00 (Car model Toyota Corolla Altis 1.6, Years since the registration year 4 years)
  2. × 0.50 (NCD 50%) = S$960.00
  3. × 1.00 (Driver's age 41 to 60) = S$960.00
  4. × 0.90 (Certificate of merit Yes) = S$864.00
  5. + 9% GST = S$941.76
S$941.76

Where the figures come from

Plus 4 files of saved quotes, data and screenshots from QBE's online quote tool, kept with the table.

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

Compare car quotesQBE car insurance prices todayBuy on QBE's site

Your own premium depends on your answers. You finish buying on the insurer's own site, where you pay and they issue the policy.

Compare QBE with another insurer

QBE promo codes and discounts