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Car insurance

How Sompo 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 Sompo'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 10, live since 20 Oct 2026.

Plans and how each is priced

Comprehensive Cover – Preferred Workshop Plan

Offered when Cover type is Comprehensive; Driver's age 21 or more; Driver's age up to 70; Years since the registration year up to 15 years; At-fault claims is 0; Years licensed 1 or more; Workshop is Any workshop; Off-peak car is No

Base premium One figure for each of 1,772 car models, from S$770.94 to S$3,215.17.

Download all 1,772 figures (CSV)

Multiplied by (1 of 5)
NCDFigure
0%×1.955
10%×1.676
20%×1.565
30%×1.40
40%×1.298
50%×1.00
Multiplied by (2 of 5)
Free of demerit pointsby NCDUp to 20%21 to 50%
No×1.00×1.053
Yes×1.00×1.00
Multiplied by (3 of 5)
Driver's ageFigure
Up to 21×2.335
22×2.169
23×2.014
24×1.824
25×1.736
26×1.573
27×1.461
28×1.356
29×1.291
30×1.26
31×1.17
32×1.141
33×1.086
34×1.06
35×1.009
36 to 50×1.00
51×1.009
52×1.025
53×1.038
54×1.064
55 to 59×1.086
60 to 70×1.093
Multiplied by (4 of 5)
Years since the registration yearFigure
0 years×1.082
1 to 2 years×1.045
3 years×1.051
4 years×1.03
5 to 10 years×1.00
11 to 15 years×1.05
Multiplied by (5 of 5)
NCD protectorFigure
No×1.00
Yes×1.10

Excess Depends on the car model, S$400 to S$1,000 (own damage)

Comprehensive Cover – Authorised Workshop Plan

Offered when Cover type is Comprehensive; Driver's age 21 or more; Driver's age up to 70; Years since the registration year up to 15 years; At-fault claims is 0; Years licensed 1 or more; Workshop is Authorised workshop; Off-peak car is No

Base premium One figure for each of 1,772 car models, from S$642.45 to S$2,679.31.

Download all 1,772 figures (CSV)

Multiplied by (1 of 5)
NCDFigure
0%×1.955
10%×1.676
20%×1.565
30%×1.40
40%×1.298
50%×1.00
Multiplied by (2 of 5)
Free of demerit pointsby NCDUp to 20%21 to 50%
No×1.00×1.053
Yes×1.00×1.00
Multiplied by (3 of 5)
Driver's ageFigure
Up to 21×2.335
22×2.169
23×2.014
24×1.824
25×1.737
26×1.573
27×1.461
28×1.357
29×1.291
30×1.26
31×1.17
32×1.141
33×1.086
34×1.06
35×1.009
36 to 50×1.00
51×1.009
52×1.025
53×1.038
54×1.064
55 to 59×1.086
60 to 70×1.093
Multiplied by (4 of 5)
Years since the registration yearFigure
0 years×1.082
1 to 2 years×1.045
3 years×1.051
4 years×1.03
5 to 10 years×1.00
11 to 15 years×1.05
Multiplied by (5 of 5)
NCD protectorFigure
No×1.00
Yes×1.10

Excess Depends on the car model, S$400 to S$1,000 (own damage)

Third Party, Fire and Theft Cover

Offered when Cover type is Third party, fire and theft; Driver's age 21 or more; Driver's age up to 70; Years since the registration year up to 20 years; At-fault claims is 0; Years licensed 1 or more; Off-peak car is No

Base premium One figure for each of 1,772 car models, from S$464.42 to S$1,936.85.

Download all 1,772 figures (CSV)

Multiplied by (1 of 5)
NCDFigure
0%×1.955
10%×1.676
20%×1.565
30%×1.40
40%×1.298
50%×1.00
Multiplied by (2 of 5)
Free of demerit pointsby NCDUp to 20%21 to 50%
No×1.00×1.053
Yes×1.00×1.00
Multiplied by (3 of 5)
Driver's ageFigure
Up to 21×2.335
22×2.169
23×2.014
24×1.824
25×1.737
26×1.573
27×1.461
28×1.356
29×1.291
30×1.26
31×1.17
32×1.141
33×1.086
34×1.06
35×1.009
36 to 50×1.00
51×1.009
52×1.025
53×1.038
54×1.064
55 to 59×1.086
60 to 70×1.093
Multiplied by (4 of 5)
Years since the registration yearFigure
0 years×1.082
1 to 2 years×1.045
3 years×1.051
4 years×1.03
5 to 10 years×1.00
11 to 15 years×1.05
16 to 20 years×1.253
Multiplied by (5 of 5)
NCD protectorFigure
No×1.00
Yes×1.10

Excess None

Third Party Only Cover

Offered when Cover type is Third party only; Driver's age 21 or more; Driver's age up to 70; Years since the registration year up to 20 years; At-fault claims is 0; Years licensed 1 or more; Off-peak car is No

Base premium One figure for each of 1,772 car models, from S$402.50 to S$1,678.61.

Download all 1,772 figures (CSV)

Multiplied by (1 of 5)
NCDFigure
0%×1.955
10%×1.676
20%×1.565
30%×1.40
40%×1.298
50%×1.00
Multiplied by (2 of 5)
Free of demerit pointsby NCDUp to 20%21 to 50%
No×1.00×1.053
Yes×1.00×1.00
Multiplied by (3 of 5)
Driver's ageFigure
Up to 21×2.335
22×2.169
23×2.014
24×1.824
25×1.736
26×1.573
27×1.461
28×1.356
29×1.291
30×1.26
31×1.17
32×1.141
33×1.086
34×1.06
35×1.009
36 to 50×1.00
51×1.009
52×1.025
53×1.038
54×1.064
55 to 59×1.086
60 to 70×1.093
Multiplied by (4 of 5)
Years since the registration yearFigure
0 years×1.082
1 to 2 years×1.045
3 years×1.051
4 years×1.03
5 to 10 years×1.00
11 to 15 years×1.05
16 to 20 years×1.253
Multiplied by (5 of 5)
NCD protectorFigure
No×1.00
Yes×1.10

Excess None

Car models we can't price

847 of the 2,615 car models on our form have no online price from any Sompo plan, usually because the model isn't in Sompo's table. Sompo 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 2021, driver aged 36, 50% NCDComprehensive Cover – Preferred Workshop Plan
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$870.17 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$870.17
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$870.17
  4. × 1.00 (Driver's age 36 to 50) = S$870.17
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$870.17
  6. × 1.00 (NCD protector No) = S$870.17
  7. + 9% GST = S$948.49
S$948.49
Toyota Corolla Altis 1.6, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$725.14 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$725.14
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$725.14
  4. × 1.00 (Driver's age 36 to 50) = S$725.14
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$725.14
  6. × 1.00 (NCD protector No) = S$725.14
  7. + 9% GST = S$790.40
S$790.40
Toyota Corolla Altis 1.6, registered 2021, driver aged 36, 50% NCDThird Party, Fire and Theft Cover
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$524.20 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$524.20
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$524.20
  4. × 1.00 (Driver's age 36 to 50) = S$524.20
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$524.20
  6. × 1.00 (NCD protector No) = S$524.20
  7. + 9% GST = S$571.38
S$571.38
Toyota Corolla Altis 1.6, registered 2021, driver aged 36, 50% NCDThird Party Only Cover
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$454.31 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$454.31
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$454.31
  4. × 1.00 (Driver's age 36 to 50) = S$454.31
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$454.31
  6. × 1.00 (NCD protector No) = S$454.31
  7. + 9% GST = S$495.20
S$495.20
Toyota Corolla Altis 1.6, registered 2021, driver aged 36, 0% NCDComprehensive Cover – Preferred Workshop Plan
  • NCD: 0%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$870.17 (Car model Toyota Corolla Altis 1.6)
  2. × 1.95 (NCD 0%) = S$1,701.09
  3. × 1.00 (Free of demerit points Yes, NCD Up to 20%) = S$1,701.09
  4. × 1.00 (Driver's age 36 to 50) = S$1,701.09
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$1,701.09
  6. × 1.00 (NCD protector No) = S$1,701.09
  7. + 9% GST = S$1,854.19
S$1,854.19
Toyota Corolla Altis 1.6, registered 2021, driver aged 36, 30% NCDThird Party Only Cover
  • NCD: 30%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$454.31 (Car model Toyota Corolla Altis 1.6)
  2. × 1.40 (NCD 30%) = S$636.03
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$636.03
  4. × 1.00 (Driver's age 36 to 50) = S$636.03
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$636.03
  6. × 1.00 (NCD protector No) = S$636.03
  7. + 9% GST = S$693.27
S$693.27
Show the other 34 examples
ExampleAnswersWorkingPremium
Toyota Corolla Altis 1.6, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: No
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$725.14 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$725.14
  3. × 1.05 (Free of demerit points No, NCD 21 to 50%) = S$763.31
  4. × 1.00 (Driver's age 36 to 50) = S$763.31
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$763.31
  6. × 1.00 (NCD protector No) = S$763.31
  7. + 9% GST = S$832.01
S$832.01
Toyota Corolla Altis 1.6, registered 2021, driver aged 25, 50% NCDComprehensive Cover – Preferred Workshop Plan
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 25
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$870.17 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$870.17
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$870.17
  4. × 1.74 (Driver's age 25) = S$1,511.05
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$1,511.05
  6. × 1.00 (NCD protector No) = S$1,511.05
  7. + 9% GST = S$1,647.04
S$1,647.04
Toyota Corolla Altis 1.6, registered 2021, driver aged 60, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 60
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$725.14 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$725.14
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$725.14
  4. × 1.09 (Driver's age 60 to 70) = S$792.43
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$792.43
  6. × 1.00 (NCD protector No) = S$792.43
  7. + 9% GST = S$863.75
S$863.75
Toyota Corolla Altis 1.6, registered 2013, driver aged 36, 50% NCDComprehensive Cover – Preferred Workshop Plan
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 13 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$870.17 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$870.17
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$870.17
  4. × 1.00 (Driver's age 36 to 50) = S$870.17
  5. × 1.05 (Years since the registration year 11 to 15 years) = S$913.68
  6. × 1.00 (NCD protector No) = S$913.68
  7. + 9% GST = S$995.91
S$995.91
Toyota Corolla Altis 1.6, registered 2026, driver aged 36, 50% NCDThird Party, Fire and Theft Cover
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 0 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$524.20 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$524.20
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$524.20
  4. × 1.00 (Driver's age 36 to 50) = S$524.20
  5. × 1.08 (Years since the registration year 0 years) = S$567.29
  6. × 1.00 (NCD protector No) = S$567.29
  7. + 9% GST = S$618.35
S$618.35
Toyota Corolla Altis 1.6, registered 2010, driver aged 36, 50% NCDThird Party Only Cover
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 16 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$454.31 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$454.31
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$454.31
  4. × 1.00 (Driver's age 36 to 50) = S$454.31
  5. × 1.25 (Years since the registration year 16 to 20 years) = S$569.11
  6. × 1.00 (NCD protector No) = S$569.11
  7. + 9% GST = S$620.33
S$620.33
Toyota Corolla Altis 1.6, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Preferred Workshop Plan
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: Yes
  • At-fault claims: 0
  1. Base S$870.17 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$870.17
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$870.17
  4. × 1.00 (Driver's age 36 to 50) = S$870.17
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$870.17
  6. × 1.10 (NCD protector Yes) = S$957.19
  7. + 9% GST = S$1,043.34
S$1,043.34
Toyota Corolla Altis 1.6, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: Yes
  • At-fault claims: 0
  1. Base S$725.14 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$725.14
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$725.14
  4. × 1.00 (Driver's age 36 to 50) = S$725.14
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$725.14
  6. × 1.10 (NCD protector Yes) = S$797.65
  7. + 9% GST = S$869.44
S$869.44
Toyota Corolla Altis 1.6, registered 2021, driver aged 36, 50% NCDThird Party, Fire and Theft Cover
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: Yes
  • At-fault claims: 0
  1. Base S$524.20 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$524.20
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$524.20
  4. × 1.00 (Driver's age 36 to 50) = S$524.20
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$524.20
  6. × 1.10 (NCD protector Yes) = S$576.62
  7. + 9% GST = S$628.52
S$628.52
Toyota Corolla Altis 1.6, registered 2021, driver aged 36, 50% NCDThird Party Only Cover
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: Yes
  • At-fault claims: 0
  1. Base S$454.31 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$454.31
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$454.31
  4. × 1.00 (Driver's age 36 to 50) = S$454.31
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$454.31
  6. × 1.10 (NCD protector Yes) = S$499.74
  7. + 9% GST = S$544.72
S$544.72
Toyota Corolla Altis 1.6, registered 2021, driver aged 25, 50% NCDComprehensive Cover – Preferred Workshop Plan
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 25
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: Yes
  • At-fault claims: 0
  1. Base S$870.17 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$870.17
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$870.17
  4. × 1.74 (Driver's age 25) = S$1,511.05
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$1,511.05
  6. × 1.10 (NCD protector Yes) = S$1,662.16
  7. + 9% GST = S$1,811.75
S$1,811.75
Toyota Camry 2.5, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Toyota Camry 2.5
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$784.48 (Car model Toyota Camry 2.5)
  2. × 1.00 (NCD 50%) = S$784.48
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$784.48
  4. × 1.00 (Driver's age 36 to 50) = S$784.48
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$784.48
  6. × 1.00 (NCD protector No) = S$784.48
  7. + 9% GST = S$855.08
S$855.08
Honda Vezel 1.5X, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Honda Vezel 1.5X
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$739.22 (Car model Honda Vezel 1.5X)
  2. × 1.00 (NCD 50%) = S$739.22
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$739.22
  4. × 1.00 (Driver's age 36 to 50) = S$739.22
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$739.22
  6. × 1.00 (NCD protector No) = S$739.22
  7. + 9% GST = S$805.75
S$805.75
Honda Civic 1.5 Turbo VTIS, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Honda Civic 1.5 Turbo VTIS
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$819.41 (Car model Honda Civic 1.5 Turbo VTIS)
  2. × 1.00 (NCD 50%) = S$819.41
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$819.41
  4. × 1.00 (Driver's age 36 to 50) = S$819.41
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$819.41
  6. × 1.00 (NCD protector No) = S$819.41
  7. + 9% GST = S$893.16
S$893.16
Mazda 3 1.5 M-Hybrid Classic, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Mazda 3 1.5 M-Hybrid Classic
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$833.91 (Car model Mazda 3 1.5 M-Hybrid Classic)
  2. × 1.00 (NCD 50%) = S$833.91
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$833.91
  4. × 1.00 (Driver's age 36 to 50) = S$833.91
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$833.91
  6. × 1.00 (NCD protector No) = S$833.91
  7. + 9% GST = S$908.96
S$908.96
Mazda CX-5 2.0, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Mazda CX-5 2.0
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$892.14 (Car model Mazda CX-5 2.0)
  2. × 1.00 (NCD 50%) = S$892.14
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$892.14
  4. × 1.00 (Driver's age 36 to 50) = S$892.14
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$892.14
  6. × 1.00 (NCD protector No) = S$892.14
  7. + 9% GST = S$972.43
S$972.43
BMW 3 Series Sedan 320i M Sport, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: BMW 3 Series Sedan 320i M Sport
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$863.03 (Car model BMW 3 Series Sedan 320i M Sport)
  2. × 1.00 (NCD 50%) = S$863.03
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$863.03
  4. × 1.00 (Driver's age 36 to 50) = S$863.03
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$863.03
  6. × 1.00 (NCD protector No) = S$863.03
  7. + 9% GST = S$940.70
S$940.70
BMW 5 Series Sedan 520i, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: BMW 5 Series Sedan 520i
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$1,019.59 (Car model BMW 5 Series Sedan 520i)
  2. × 1.00 (NCD 50%) = S$1,019.59
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$1,019.59
  4. × 1.00 (Driver's age 36 to 50) = S$1,019.59
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$1,019.59
  6. × 1.00 (NCD protector No) = S$1,019.59
  7. + 9% GST = S$1,111.35
S$1,111.35
Mercedes-Benz A 180 (A), registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Mercedes-Benz A 180 (A)
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$756.41 (Car model Mercedes-Benz A 180 (A))
  2. × 1.00 (NCD 50%) = S$756.41
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$756.41
  4. × 1.00 (Driver's age 36 to 50) = S$756.41
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$756.41
  6. × 1.00 (NCD protector No) = S$756.41
  7. + 9% GST = S$824.49
S$824.49
Audi Q7 S LINE 55 TFSI QUATTRO, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Audi Q7 S LINE 55 TFSI QUATTRO
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$1,125.65 (Car model Audi Q7 S LINE 55 TFSI QUATTRO)
  2. × 1.00 (NCD 50%) = S$1,125.65
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$1,125.65
  4. × 1.00 (Driver's age 36 to 50) = S$1,125.65
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$1,125.65
  6. × 1.00 (NCD protector No) = S$1,125.65
  7. + 9% GST = S$1,226.96
S$1,226.96
Hyundai QX Venue 1.6, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Hyundai QX Venue 1.6
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$756.83 (Car model Hyundai QX Venue 1.6)
  2. × 1.00 (NCD 50%) = S$756.83
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$756.83
  4. × 1.00 (Driver's age 36 to 50) = S$756.83
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$756.83
  6. × 1.00 (NCD protector No) = S$756.83
  7. + 9% GST = S$824.94
S$824.94
Nissan QASHQAI 1.2 DIG-T CVT ABS 2WD, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Nissan QASHQAI 1.2 DIG-T CVT ABS 2WD
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$836.03 (Car model Nissan QASHQAI 1.2 DIG-T CVT ABS 2WD)
  2. × 1.00 (NCD 50%) = S$836.03
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$836.03
  4. × 1.00 (Driver's age 36 to 50) = S$836.03
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$836.03
  6. × 1.00 (NCD protector No) = S$836.03
  7. + 9% GST = S$911.27
S$911.27
Honda Freed, registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Honda Freed
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$744.25 (Car model Honda Freed)
  2. × 1.00 (NCD 50%) = S$744.25
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$744.25
  4. × 1.00 (Driver's age 36 to 50) = S$744.25
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$744.25
  6. × 1.00 (NCD protector No) = S$744.25
  7. + 9% GST = S$811.23
S$811.23
Tesla Model 3 (208kW), registered 2021, driver aged 36, 50% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 50%
  • Car model: Tesla Model 3 (208kW)
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Free of demerit points: Yes
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$1,510.13 (Car model Tesla Model 3 (208kW))
  2. × 1.00 (NCD 50%) = S$1,510.13
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$1,510.13
  4. × 1.00 (Driver's age 36 to 50) = S$1,510.13
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$1,510.13
  6. × 1.00 (NCD protector No) = S$1,510.13
  7. + 9% GST = S$1,646.04
S$1,646.04
Mazda CX-9, registered 2023, driver aged 52, 20% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 20%
  • Car model: Mazda CX-9
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 52
  • Free of demerit points: Yes
  • Years since the registration year: 3 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$871.64 (Car model Mazda CX-9)
  2. × 1.56 (NCD 20%) = S$1,364.02
  3. × 1.00 (Free of demerit points Yes, NCD Up to 20%) = S$1,364.02
  4. × 1.03 (Driver's age 52) = S$1,398.12
  5. × 1.05 (Years since the registration year 3 years) = S$1,468.86
  6. × 1.00 (NCD protector No) = S$1,468.86
  7. + 9% GST = S$1,601.06
S$1,601.06
Volvo S40 2.0, registered 2007, driver aged 54, 10% NCDThird Party, Fire and Theft Cover
  • NCD: 10%
  • Car model: Volvo S40 2.0
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 54
  • Free of demerit points: Yes
  • Years since the registration year: 19 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$585.06 (Car model Volvo S40 2.0)
  2. × 1.68 (NCD 10%) = S$980.37
  3. × 1.00 (Free of demerit points Yes, NCD Up to 20%) = S$980.37
  4. × 1.06 (Driver's age 54) = S$1,042.82
  5. × 1.25 (Years since the registration year 16 to 20 years) = S$1,306.35
  6. × 1.00 (NCD protector No) = S$1,306.35
  7. + 9% GST = S$1,423.92
S$1,423.92
BMW 116i 1.6, registered 2008, driver aged 44, 40% NCDThird Party Only Cover
  • NCD: 40%
  • Car model: BMW 116i 1.6
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 44
  • Free of demerit points: Yes
  • Years since the registration year: 18 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$567.10 (Car model BMW 116i 1.6)
  2. × 1.30 (NCD 40%) = S$736.00
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$736.00
  4. × 1.00 (Driver's age 36 to 50) = S$736.00
  5. × 1.25 (Years since the registration year 16 to 20 years) = S$921.98
  6. × 1.00 (NCD protector No) = S$921.98
  7. + 9% GST = S$1,004.96
S$1,004.96
Alfa Romeo MiTo 1.4 Turbo, registered 2010, driver aged 65, 40% NCDThird Party Only Cover
  • NCD: 40%
  • Car model: Alfa Romeo MiTo 1.4 Turbo
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 65
  • Free of demerit points: Yes
  • Years since the registration year: 16 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$737.48 (Car model Alfa Romeo MiTo 1.4 Turbo)
  2. × 1.30 (NCD 40%) = S$957.13
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$957.13
  4. × 1.09 (Driver's age 60 to 70) = S$1,045.95
  5. × 1.25 (Years since the registration year 16 to 20 years) = S$1,310.25
  6. × 1.00 (NCD protector No) = S$1,310.25
  7. + 9% GST = S$1,428.17
S$1,428.17
Ssangyong Rexton 2.0, registered 2020, driver aged 42, 20% NCDThird Party, Fire and Theft Cover
  • NCD: 20%
  • Car model: Ssangyong Rexton 2.0
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 42
  • Free of demerit points: Yes
  • Years since the registration year: 6 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$586.29 (Car model Ssangyong Rexton 2.0)
  2. × 1.56 (NCD 20%) = S$917.47
  3. × 1.00 (Free of demerit points Yes, NCD Up to 20%) = S$917.47
  4. × 1.00 (Driver's age 36 to 50) = S$917.47
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$917.47
  6. × 1.00 (NCD protector No) = S$917.47
  7. + 9% GST = S$1,000.04
S$1,000.04
Volvo V60 Cross Country B4 Plus, registered 2023, driver aged 66, 20% NCDComprehensive Cover – Preferred Workshop Plan
  • NCD: 20%
  • Car model: Volvo V60 Cross Country B4 Plus
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 66
  • Free of demerit points: Yes
  • Years since the registration year: 3 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$1,227.82 (Car model Volvo V60 Cross Country B4 Plus)
  2. × 1.56 (NCD 20%) = S$1,921.39
  3. × 1.00 (Free of demerit points Yes, NCD Up to 20%) = S$1,921.39
  4. × 1.09 (Driver's age 60 to 70) = S$2,099.69
  5. × 1.05 (Years since the registration year 3 years) = S$2,205.93
  6. × 1.00 (NCD protector No) = S$2,205.93
  7. + 9% GST = S$2,404.46
S$2,404.46
Ford S-Max 2.0, registered 2016, driver aged 39, 50% NCDComprehensive Cover – Preferred Workshop Plan
  • NCD: 50%
  • Car model: Ford S-Max 2.0
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 39
  • Free of demerit points: Yes
  • Years since the registration year: 10 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$1,087.82 (Car model Ford S-Max 2.0)
  2. × 1.00 (NCD 50%) = S$1,087.82
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$1,087.82
  4. × 1.00 (Driver's age 36 to 50) = S$1,087.82
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$1,087.82
  6. × 1.00 (NCD protector No) = S$1,087.82
  7. + 9% GST = S$1,185.72
S$1,185.72
Honda Shuttle 1.5G I-VTEC ED TECH, registered 2018, driver aged 49, 30% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 30%
  • Car model: Honda Shuttle 1.5G I-VTEC ED TECH
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 49
  • Free of demerit points: Yes
  • Years since the registration year: 8 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$818.68 (Car model Honda Shuttle 1.5G I-VTEC ED TECH)
  2. × 1.40 (NCD 30%) = S$1,146.16
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$1,146.16
  4. × 1.00 (Driver's age 36 to 50) = S$1,146.16
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$1,146.16
  6. × 1.00 (NCD protector No) = S$1,146.16
  7. + 9% GST = S$1,249.31
S$1,249.31
Toyota Land Cruiser 300 3.5 AX 7-Seater, registered 2025, driver aged 40, 40% NCDComprehensive Cover – Preferred Workshop Plan
  • NCD: 40%
  • Car model: Toyota Land Cruiser 300 3.5 AX 7-Seater
  • Off-peak car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 40
  • Free of demerit points: Yes
  • Years since the registration year: 1 year
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$936.55 (Car model Toyota Land Cruiser 300 3.5 AX 7-Seater)
  2. × 1.30 (NCD 40%) = S$1,215.48
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$1,215.48
  4. × 1.00 (Driver's age 36 to 50) = S$1,215.48
  5. × 1.04 (Years since the registration year 1 to 2 years) = S$1,269.69
  6. × 1.00 (NCD protector No) = S$1,269.69
  7. + 9% GST = S$1,383.96
S$1,383.96
Mercedes-Benz E 300, registered 2016, driver aged 30, 40% NCDComprehensive Cover – Authorised Workshop Plan
  • NCD: 40%
  • Car model: Mercedes-Benz E 300
  • Off-peak car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 30
  • Free of demerit points: Yes
  • Years since the registration year: 10 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$774.55 (Car model Mercedes-Benz E 300)
  2. × 1.30 (NCD 40%) = S$1,005.25
  3. × 1.00 (Free of demerit points Yes, NCD 21 to 50%) = S$1,005.25
  4. × 1.26 (Driver's age 30) = S$1,266.31
  5. × 1.00 (Years since the registration year 5 to 10 years) = S$1,266.31
  6. × 1.00 (NCD protector No) = S$1,266.31
  7. + 9% GST = S$1,380.28
S$1,380.28

Where the figures come from

Plus 8 files of saved quotes, data and screenshots from Sompo'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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