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Car insurance

How UOI 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 18 Oct 2026, the day we last checked them against UOI'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 5, live since 20 Oct 2026.

Plans and how each is priced

UniCar Comprehensive Plus

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 30 years; At-fault claims up to 1; Total claim amount up to S$50,000; Workshop is Any workshop; NCD, when the NCD protector is added 50% or more

Base premium One figure for each of 1,415 car models, from S$785.65 to S$2,572.72.

Download all 1,415 figures (CSV)

Multiplied by (1 of 8)
NCDFigure
0%×1.861
10%×1.717
20%×1.603
30%×1.333
40%×1.171
50%×1.00
Multiplied by (2 of 8)
Years licensedFigure
Up to 3×1.218
4 to 8×1.077
9 and over×1.00
Multiplied by (3 of 8)
Driver's ageFigure
Up to 25×2.62
26 to 28×2.15
29 to 30×1.312
31 to 32×1.104
33 to 34×1.025
35 to 40×1.00
41 to 49×0.976
50 to 55×1.051
56 to 65×1.16
66 to 70×1.28
Multiplied by (4 of 8)
Years since the registration yearFigure
0 years×1.104
1 year×1.077
2 to 3 years×1.051
4 years×1.00
5 to 8 years×1.025
9 years×1.051
10 to 30 years×1.132
Multiplied by (5 of 8)
OccupationFigure
Indoor×1.00
Outdoor×1.051
Multiplied by (6 of 8)
Off-peak carFigure
No×1.00
Yes×0.95
Multiplied by (7 of 8)
NCD protectorFigure
No×1.00
Yes×1.10

Multiplied by (8 of 8) A factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) by 11 bands of total claim amount, from ×1.00 to ×2.875.

Show all 66 figures
Multiplied by (8 of 8)
NCDby Total claim amountS$0S$1 to S$3,000S$3,001 to S$5,000S$5,001 to S$10,000S$10,001 to S$20,000S$20,001 to S$25,000S$25,001 to S$30,000S$30,001 to S$35,000S$35,001 to S$40,000S$40,001 to S$45,000S$45,001 to S$50,000
0%×1.00×1.10×1.20×1.35×1.50×1.75×2.00×2.30×2.40×2.50×2.60
10%×1.00×1.10×1.20×1.35×1.50×1.75×2.00×2.30×2.40×2.50×2.60
20%×1.00×1.10×1.20×1.35×1.50×1.75×2.00×2.30×2.40×2.50×2.60
30%×1.00×1.216×1.327×1.493×1.659×1.935×2.212×2.544×2.654×2.765×2.875
40%×1.00×1.216×1.327×1.493×1.659×1.935×2.212×2.544×2.654×2.765×2.875
50%×1.00×1.216×1.327×1.493×1.659×1.935×2.212×2.544×2.654×2.765×2.875

Excess S$500.00

UniCar Comprehensive Value

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 30 years; At-fault claims up to 1; Total claim amount up to S$50,000; Workshop is Authorised workshop; Electric car is No; NCD, when the NCD protector is added 50% or more

Base premium One figure for each of 1,327 car models, from S$707.09 to S$2,181.32.

Download all 1,327 figures (CSV)

Multiplied by (1 of 8)
NCDFigure
0%×1.861
10%×1.717
20%×1.603
30%×1.333
40%×1.171
50%×1.00
Multiplied by (2 of 8)
Years licensedFigure
Up to 3×1.218
4 to 8×1.077
9 and over×1.00
Multiplied by (3 of 8)
Driver's ageFigure
Up to 25×2.62
26 to 28×2.15
29 to 30×1.312
31 to 32×1.104
33 to 34×1.025
35 to 40×1.00
41 to 49×0.976
50 to 55×1.051
56 to 65×1.16
66 to 70×1.28
Multiplied by (4 of 8)
Years since the registration yearFigure
0 years×1.104
1 year×1.077
2 to 3 years×1.051
4 years×1.00
5 to 8 years×1.025
9 years×1.051
10 to 30 years×1.132
Multiplied by (5 of 8)
OccupationFigure
Indoor×1.00
Outdoor×1.051
Multiplied by (6 of 8)
Off-peak carFigure
No×1.00
Yes×0.95
Multiplied by (7 of 8)
NCD protectorFigure
No×1.00
Yes×1.10

Multiplied by (8 of 8) A factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) by 11 bands of total claim amount, from ×1.00 to ×2.875.

Show all 66 figures
Multiplied by (8 of 8)
NCDby Total claim amountS$0S$1 to S$3,000S$3,001 to S$5,000S$5,001 to S$10,000S$10,001 to S$20,000S$20,001 to S$25,000S$25,001 to S$30,000S$30,001 to S$35,000S$35,001 to S$40,000S$40,001 to S$45,000S$45,001 to S$50,000
0%×1.00×1.10×1.20×1.35×1.50×1.75×2.00×2.30×2.40×2.50×2.60
10%×1.00×1.10×1.20×1.35×1.50×1.75×2.00×2.30×2.40×2.50×2.60
20%×1.00×1.10×1.20×1.35×1.50×1.75×2.00×2.30×2.40×2.50×2.60
30%×1.00×1.216×1.327×1.493×1.659×1.935×2.212×2.544×2.654×2.765×2.875
40%×1.00×1.216×1.327×1.493×1.659×1.935×2.212×2.544×2.654×2.765×2.875
50%×1.00×1.216×1.327×1.493×1.659×1.935×2.212×2.544×2.654×2.765×2.875

Excess S$500.00

UniCar Third Party, Fire and Theft

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 30 years; At-fault claims up to 1; Total claim amount up to S$50,000; NCD, when the NCD protector is added 50% or more

Base premium One figure for each of 1,415 car models, from S$479.28 to S$1,508.37.

Download all 1,415 figures (CSV)

Multiplied by (1 of 8)
NCDFigure
0%×1.86
10%×1.716
20%×1.602
30%×1.332
40%×1.17
50%×1.00
Multiplied by (2 of 8)
Years licensedFigure
Up to 3×1.218
4 to 8×1.077
9 and over×1.00
Multiplied by (3 of 8)
Driver's ageFigure
Up to 25×2.259
26 to 28×1.765
29 to 30×1.131
31 to 32×1.025
33 to 34×0.975
35 to 40×1.00
41 to 49×0.975
50 to 55×1.051
56 to 65×1.104
66 to 70×1.249
Multiplied by (4 of 8)
Years since the registration yearFigure
Up to 3 years×0.906
4 to 8 years×1.00
9 to 12 years×1.249
13 to 30 years×1.104
Multiplied by (5 of 8)
OccupationFigure
Indoor×1.00
Outdoor×1.051
Multiplied by (6 of 8)
Off-peak carFigure
No×1.00
Yes×0.95
Multiplied by (7 of 8)
NCD protectorFigure
No×1.00
Yes×1.10

Multiplied by (8 of 8) A factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) by 11 bands of total claim amount, from ×1.00 to ×2.875.

Show all 66 figures
Multiplied by (8 of 8)
NCDby Total claim amountS$0S$1 to S$3,000S$3,001 to S$5,000S$5,001 to S$10,000S$10,001 to S$20,000S$20,001 to S$25,000S$25,001 to S$30,000S$30,001 to S$35,000S$35,001 to S$40,000S$40,001 to S$45,000S$45,001 to S$50,000
0%×1.00×1.10×1.20×1.35×1.50×1.75×2.00×2.30×2.40×2.50×2.60
10%×1.00×1.10×1.20×1.35×1.50×1.75×2.00×2.30×2.40×2.50×2.60
20%×1.00×1.10×1.20×1.35×1.50×1.75×2.00×2.30×2.40×2.50×2.60
30%×1.00×1.216×1.327×1.493×1.659×1.935×2.212×2.544×2.654×2.765×2.875
40%×1.00×1.216×1.327×1.493×1.659×1.935×2.212×2.544×2.654×2.765×2.875
50%×1.00×1.216×1.327×1.493×1.659×1.935×2.212×2.544×2.654×2.765×2.875

Excess None

UniCar Third Party Only

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 30 years; At-fault claims up to 1; Total claim amount up to S$50,000; NCD, when the NCD protector is added 50% or more

Base premium One figure for each of 1,415 car models, from S$413.25 to S$1,301.03.

Download all 1,415 figures (CSV)

Multiplied by (1 of 8)
NCDFigure
0%×1.861
10%×1.717
20%×1.604
30%×1.333
40%×1.171
50%×1.00
Multiplied by (2 of 8)
Years licensedFigure
Up to 3×1.219
4 to 8×1.077
9 and over×1.00
Multiplied by (3 of 8)
Driver's ageFigure
Up to 25×2.26
26 to 28×1.765
29 to 30×1.132
31 to 32×1.025
33 to 34×0.976
35 to 40×1.00
41 to 49×0.976
50 to 55×1.051
56 to 65×1.104
66 to 70×1.249
Multiplied by (4 of 8)
Years since the registration yearFigure
Up to 3 years×0.906
4 to 8 years×1.00
9 to 12 years×1.249
13 to 30 years×1.104
Multiplied by (5 of 8)
OccupationFigure
Indoor×1.00
Outdoor×1.051
Multiplied by (6 of 8)
Off-peak carFigure
No×1.00
Yes×0.95
Multiplied by (7 of 8)
NCD protectorFigure
No×1.00
Yes×1.10

Multiplied by (8 of 8) A factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) by 11 bands of total claim amount, from ×1.00 to ×2.875.

Show all 66 figures
Multiplied by (8 of 8)
NCDby Total claim amountS$0S$1 to S$3,000S$3,001 to S$5,000S$5,001 to S$10,000S$10,001 to S$20,000S$20,001 to S$25,000S$25,001 to S$30,000S$30,001 to S$35,000S$35,001 to S$40,000S$40,001 to S$45,000S$45,001 to S$50,000
0%×1.00×1.10×1.20×1.35×1.50×1.75×2.00×2.30×2.40×2.50×2.60
10%×1.00×1.10×1.20×1.35×1.50×1.75×2.00×2.30×2.40×2.50×2.60
20%×1.00×1.10×1.20×1.35×1.50×1.75×2.00×2.30×2.40×2.50×2.60
30%×1.00×1.216×1.327×1.493×1.659×1.935×2.212×2.544×2.654×2.765×2.875
40%×1.00×1.216×1.327×1.493×1.659×1.935×2.212×2.544×2.654×2.765×2.875
50%×1.00×1.216×1.327×1.493×1.659×1.935×2.212×2.544×2.654×2.765×2.875

Excess None

Car models we can't price

1,201 of the 2,615 car models on our form have no online price from any UOI plan, usually because the model isn't in UOI's table. UOI 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 36, 50% NCDUniCar Comprehensive Plus
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$1,100.70 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$1,100.70
  3. × 1.00 (Years licensed 9 and over) = S$1,100.70
  4. × 1.00 (Driver's age 35 to 40) = S$1,100.70
  5. × 1.00 (Years since the registration year 4 years) = S$1,100.70
  6. × 1.00 (Occupation Indoor) = S$1,100.70
  7. × 1.00 (Off-peak car No) = S$1,100.70
  8. × 1.00 (NCD protector No) = S$1,100.70
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$1,100.70
  10. + 9% GST = S$1,199.76
S$1,199.76
Toyota Corolla Altis 1.6, registered 2022, driver aged 36, 50% NCDUniCar Comprehensive Value
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Electric car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$990.63 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$990.63
  3. × 1.00 (Years licensed 9 and over) = S$990.63
  4. × 1.00 (Driver's age 35 to 40) = S$990.63
  5. × 1.00 (Years since the registration year 4 years) = S$990.63
  6. × 1.00 (Occupation Indoor) = S$990.63
  7. × 1.00 (Off-peak car No) = S$990.63
  8. × 1.00 (NCD protector No) = S$990.63
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$990.63
  10. + 9% GST = S$1,079.79
S$1,079.79
Toyota Corolla Altis 1.6, registered 2022, driver aged 36, 50% NCDUniCar Third Party, Fire and Theft
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$798.62 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$798.62
  3. × 1.00 (Years licensed 9 and over) = S$798.62
  4. × 1.00 (Driver's age 35 to 40) = S$798.62
  5. × 1.00 (Years since the registration year 4 to 8 years) = S$798.62
  6. × 1.00 (Occupation Indoor) = S$798.62
  7. × 1.00 (Off-peak car No) = S$798.62
  8. × 1.00 (NCD protector No) = S$798.62
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$798.62
  10. + 9% GST = S$870.50
S$870.50
Toyota Corolla Altis 1.6, registered 2022, driver aged 36, 50% NCDUniCar Third Party Only
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$688.28 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$688.28
  3. × 1.00 (Years licensed 9 and over) = S$688.28
  4. × 1.00 (Driver's age 35 to 40) = S$688.28
  5. × 1.00 (Years since the registration year 4 to 8 years) = S$688.28
  6. × 1.00 (Occupation Indoor) = S$688.28
  7. × 1.00 (Off-peak car No) = S$688.28
  8. × 1.00 (NCD protector No) = S$688.28
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$688.28
  10. + 9% GST = S$750.23
S$750.23
Toyota Corolla Altis 1.6, registered 2022, driver aged 36, 0% NCDUniCar Comprehensive Plus
  • NCD: 0%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$1,100.70 (Car model Toyota Corolla Altis 1.6)
  2. × 1.86 (NCD 0%) = S$2,048.15
  3. × 1.00 (Years licensed 9 and over) = S$2,048.15
  4. × 1.00 (Driver's age 35 to 40) = S$2,048.15
  5. × 1.00 (Years since the registration year 4 years) = S$2,048.15
  6. × 1.00 (Occupation Indoor) = S$2,048.15
  7. × 1.00 (Off-peak car No) = S$2,048.15
  8. × 1.00 (NCD protector No) = S$2,048.15
  9. × 1.00 (NCD 0%, Total claim amount S$0) = S$2,048.15
  10. + 9% GST = S$2,232.48
S$2,232.48
Toyota Corolla Altis 1.6, registered 2022, driver aged 36, 30% NCDUniCar Third Party Only
  • NCD: 30%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$688.28 (Car model Toyota Corolla Altis 1.6)
  2. × 1.33 (NCD 30%) = S$917.70
  3. × 1.00 (Years licensed 9 and over) = S$917.70
  4. × 1.00 (Driver's age 35 to 40) = S$917.70
  5. × 1.00 (Years since the registration year 4 to 8 years) = S$917.70
  6. × 1.00 (Occupation Indoor) = S$917.70
  7. × 1.00 (Off-peak car No) = S$917.70
  8. × 1.00 (NCD protector No) = S$917.70
  9. × 1.00 (NCD 30%, Total claim amount S$0) = S$917.70
  10. + 9% GST = S$1,000.29
S$1,000.29
Show the other 18 examples
ExampleAnswersWorkingPremium
Toyota Corolla Altis 1.6, registered 2022, driver aged 25, 50% NCDUniCar Comprehensive Plus
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 25
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$1,100.70 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$1,100.70
  3. × 1.00 (Years licensed 9 and over) = S$1,100.70
  4. × 2.62 (Driver's age Up to 25) = S$2,883.66
  5. × 1.00 (Years since the registration year 4 years) = S$2,883.66
  6. × 1.00 (Occupation Indoor) = S$2,883.66
  7. × 1.00 (Off-peak car No) = S$2,883.66
  8. × 1.00 (NCD protector No) = S$2,883.66
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$2,883.66
  10. + 9% GST = S$3,143.19
S$3,143.19
Toyota Corolla Altis 1.6, registered 2022, driver aged 60, 50% NCDUniCar Comprehensive Value
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Electric car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 60
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$990.63 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$990.63
  3. × 1.00 (Years licensed 9 and over) = S$990.63
  4. × 1.16 (Driver's age 56 to 65) = S$1,148.93
  5. × 1.00 (Years since the registration year 4 years) = S$1,148.93
  6. × 1.00 (Occupation Indoor) = S$1,148.93
  7. × 1.00 (Off-peak car No) = S$1,148.93
  8. × 1.00 (NCD protector No) = S$1,148.93
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$1,148.93
  10. + 9% GST = S$1,252.33
S$1,252.33
Toyota Corolla Altis 1.6, registered 2016, driver aged 36, 50% NCDUniCar Comprehensive Plus
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • Years since the registration year: 10 years
  • Years licensed: 10
  • NCD protector: No
  • NCD, when the NCD protector is added: 100%
  • At-fault claims: 0
  • Occupation: Indoor
  1. Base S$1,100.70 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$1,100.70
  3. × 1.00 (Years licensed 9 and over) = S$1,100.70
  4. × 1.00 (Driver's age 35 to 40) = S$1,100.70
  5. × 1.13 (Years since the registration year 10 to 30 years) = S$1,245.45
  6. × 1.00 (Occupation Indoor) = S$1,245.45
  7. × 1.00 (Off-peak car No) = S$1,245.45
  8. × 1.00 (NCD protector No) = S$1,245.45
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$1,245.45
  10. + 9% GST = S$1,357.54
S$1,357.54
Toyota Corolla Altis 1.6, registered 2026, driver aged 36, 50% NCDUniCar Third Party, Fire and Theft
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 36
  • Total claim amount: S$0
  • Years since the registration year: 0 years
  • Years licensed: 10
  • NCD protector: No
  • NCD, when the NCD protector is added: 100%
  • At-fault claims: 0
  • Occupation: Indoor
  1. Base S$798.62 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$798.62
  3. × 1.00 (Years licensed 9 and over) = S$798.62
  4. × 1.00 (Driver's age 35 to 40) = S$798.62
  5. × 0.91 (Years since the registration year Up to 3 years) = S$723.24
  6. × 1.00 (Occupation Indoor) = S$723.24
  7. × 1.00 (Off-peak car No) = S$723.24
  8. × 1.00 (NCD protector No) = S$723.24
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$723.24
  10. + 9% GST = S$788.33
S$788.33
Toyota Corolla Altis 1.6, registered 2022, driver aged 36, 50% NCDUniCar Comprehensive Plus
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • Years since the registration year: 4 years
  • Years licensed: 2
  • NCD protector: No
  • NCD, when the NCD protector is added: 100%
  • At-fault claims: 0
  • Occupation: Indoor
  1. Base S$1,100.70 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$1,100.70
  3. × 1.22 (Years licensed Up to 3) = S$1,341.05
  4. × 1.00 (Driver's age 35 to 40) = S$1,341.05
  5. × 1.00 (Years since the registration year 4 years) = S$1,341.05
  6. × 1.00 (Occupation Indoor) = S$1,341.05
  7. × 1.00 (Off-peak car No) = S$1,341.05
  8. × 1.00 (NCD protector No) = S$1,341.05
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$1,341.05
  10. + 9% GST = S$1,461.74
S$1,461.74
Toyota Corolla Altis 1.6, registered 2022, driver aged 36, 50% NCDUniCar Comprehensive Plus
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Outdoor
  1. Base S$1,100.70 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$1,100.70
  3. × 1.00 (Years licensed 9 and over) = S$1,100.70
  4. × 1.00 (Driver's age 35 to 40) = S$1,100.70
  5. × 1.00 (Years since the registration year 4 years) = S$1,100.70
  6. × 1.05 (Occupation Outdoor) = S$1,156.42
  7. × 1.00 (Off-peak car No) = S$1,156.42
  8. × 1.00 (NCD protector No) = S$1,156.42
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$1,156.42
  10. + 9% GST = S$1,260.50
S$1,260.50
Toyota Corolla Altis 1.6, registered 2022, driver aged 36, 50% NCDUniCar Comprehensive Plus
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: Yes
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$1,100.70 (Car model Toyota Corolla Altis 1.6)
  2. × 1.00 (NCD 50%) = S$1,100.70
  3. × 1.00 (Years licensed 9 and over) = S$1,100.70
  4. × 1.00 (Driver's age 35 to 40) = S$1,100.70
  5. × 1.00 (Years since the registration year 4 years) = S$1,100.70
  6. × 1.00 (Occupation Indoor) = S$1,100.70
  7. × 0.95 (Off-peak car Yes) = S$1,045.66
  8. × 1.00 (NCD protector No) = S$1,045.66
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$1,045.66
  10. + 9% GST = S$1,139.77
S$1,139.77
BMW 218i Active Tourer, registered 2022, driver aged 36, 50% NCDUniCar Comprehensive Plus
  • NCD: 50%
  • Car model: BMW 218i Active Tourer
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$1,055.86 (Car model BMW 218i Active Tourer)
  2. × 1.00 (NCD 50%) = S$1,055.86
  3. × 1.00 (Years licensed 9 and over) = S$1,055.86
  4. × 1.00 (Driver's age 35 to 40) = S$1,055.86
  5. × 1.00 (Years since the registration year 4 years) = S$1,055.86
  6. × 1.00 (Occupation Indoor) = S$1,055.86
  7. × 1.00 (Off-peak car No) = S$1,055.86
  8. × 1.00 (NCD protector No) = S$1,055.86
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$1,055.86
  10. + 9% GST = S$1,150.89
S$1,150.89
BMW 218i Active Tourer, registered 2022, driver aged 36, 50% NCDUniCar Third Party Only
  • NCD: 50%
  • Car model: BMW 218i Active Tourer
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$693.77 (Car model BMW 218i Active Tourer)
  2. × 1.00 (NCD 50%) = S$693.77
  3. × 1.00 (Years licensed 9 and over) = S$693.77
  4. × 1.00 (Driver's age 35 to 40) = S$693.77
  5. × 1.00 (Years since the registration year 4 to 8 years) = S$693.77
  6. × 1.00 (Occupation Indoor) = S$693.77
  7. × 1.00 (Off-peak car No) = S$693.77
  8. × 1.00 (NCD protector No) = S$693.77
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$693.77
  10. + 9% GST = S$756.21
S$756.21
Audi A3 1.0, registered 2022, driver aged 36, 50% NCDUniCar Comprehensive Plus
  • NCD: 50%
  • Car model: Audi A3 1.0
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$1,137.15 (Car model Audi A3 1.0)
  2. × 1.00 (NCD 50%) = S$1,137.15
  3. × 1.00 (Years licensed 9 and over) = S$1,137.15
  4. × 1.00 (Driver's age 35 to 40) = S$1,137.15
  5. × 1.00 (Years since the registration year 4 years) = S$1,137.15
  6. × 1.00 (Occupation Indoor) = S$1,137.15
  7. × 1.00 (Off-peak car No) = S$1,137.15
  8. × 1.00 (NCD protector No) = S$1,137.15
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$1,137.15
  10. + 9% GST = S$1,239.49
S$1,239.49
Audi A3 1.0, registered 2022, driver aged 36, 50% NCDUniCar Third Party Only
  • NCD: 50%
  • Car model: Audi A3 1.0
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$660.35 (Car model Audi A3 1.0)
  2. × 1.00 (NCD 50%) = S$660.35
  3. × 1.00 (Years licensed 9 and over) = S$660.35
  4. × 1.00 (Driver's age 35 to 40) = S$660.35
  5. × 1.00 (Years since the registration year 4 to 8 years) = S$660.35
  6. × 1.00 (Occupation Indoor) = S$660.35
  7. × 1.00 (Off-peak car No) = S$660.35
  8. × 1.00 (NCD protector No) = S$660.35
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$660.35
  10. + 9% GST = S$719.78
S$719.78
Aion ES 55.2 kWh, registered 2022, driver aged 36, 50% NCDUniCar Comprehensive Plus
  • NCD: 50%
  • Car model: Aion ES 55.2 kWh
  • Off-peak car: No
  • Electric car: Yes
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$1,244.27 (Car model Aion ES 55.2 kWh)
  2. × 1.00 (NCD 50%) = S$1,244.27
  3. × 1.00 (Years licensed 9 and over) = S$1,244.27
  4. × 1.00 (Driver's age 35 to 40) = S$1,244.27
  5. × 1.00 (Years since the registration year 4 years) = S$1,244.27
  6. × 1.00 (Occupation Indoor) = S$1,244.27
  7. × 1.00 (Off-peak car No) = S$1,244.27
  8. × 1.00 (NCD protector No) = S$1,244.27
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$1,244.27
  10. + 9% GST = S$1,356.25
S$1,356.25
Aion ES 55.2 kWh, registered 2022, driver aged 36, 50% NCDUniCar Third Party Only
  • NCD: 50%
  • Car model: Aion ES 55.2 kWh
  • Off-peak car: No
  • Electric car: Yes
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$687.90 (Car model Aion ES 55.2 kWh)
  2. × 1.00 (NCD 50%) = S$687.90
  3. × 1.00 (Years licensed 9 and over) = S$687.90
  4. × 1.00 (Driver's age 35 to 40) = S$687.90
  5. × 1.00 (Years since the registration year 4 to 8 years) = S$687.90
  6. × 1.00 (Occupation Indoor) = S$687.90
  7. × 1.00 (Off-peak car No) = S$687.90
  8. × 1.00 (NCD protector No) = S$687.90
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$687.90
  10. + 9% GST = S$749.81
S$749.81
BMW 216i Active Tourer, registered 2022, driver aged 36, 50% NCDUniCar Comprehensive Plus
  • NCD: 50%
  • Car model: BMW 216i Active Tourer
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$1,083.00 (Car model BMW 216i Active Tourer)
  2. × 1.00 (NCD 50%) = S$1,083.00
  3. × 1.00 (Years licensed 9 and over) = S$1,083.00
  4. × 1.00 (Driver's age 35 to 40) = S$1,083.00
  5. × 1.00 (Years since the registration year 4 years) = S$1,083.00
  6. × 1.00 (Occupation Indoor) = S$1,083.00
  7. × 1.00 (Off-peak car No) = S$1,083.00
  8. × 1.00 (NCD protector No) = S$1,083.00
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$1,083.00
  10. + 9% GST = S$1,180.47
S$1,180.47
BMW 216i Active Tourer, registered 2022, driver aged 36, 50% NCDUniCar Third Party Only
  • NCD: 50%
  • Car model: BMW 216i Active Tourer
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$570.00 (Car model BMW 216i Active Tourer)
  2. × 1.00 (NCD 50%) = S$570.00
  3. × 1.00 (Years licensed 9 and over) = S$570.00
  4. × 1.00 (Driver's age 35 to 40) = S$570.00
  5. × 1.00 (Years since the registration year 4 to 8 years) = S$570.00
  6. × 1.00 (Occupation Indoor) = S$570.00
  7. × 1.00 (Off-peak car No) = S$570.00
  8. × 1.00 (NCD protector No) = S$570.00
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$570.00
  10. + 9% GST = S$621.30
S$621.30
Honda CR-V 2.0, registered 2022, driver aged 36, 50% NCDUniCar Comprehensive Plus
  • NCD: 50%
  • Car model: Honda CR-V 2.0
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$1,110.08 (Car model Honda CR-V 2.0)
  2. × 1.00 (NCD 50%) = S$1,110.08
  3. × 1.00 (Years licensed 9 and over) = S$1,110.08
  4. × 1.00 (Driver's age 35 to 40) = S$1,110.08
  5. × 1.00 (Years since the registration year 4 years) = S$1,110.08
  6. × 1.00 (Occupation Indoor) = S$1,110.08
  7. × 1.00 (Off-peak car No) = S$1,110.08
  8. × 1.00 (NCD protector No) = S$1,110.08
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$1,110.08
  10. + 9% GST = S$1,209.99
S$1,209.99
Mercedes-Benz E 200 2.0 (1998 cc), registered 2022, driver aged 36, 50% NCDUniCar Comprehensive Plus
  • NCD: 50%
  • Car model: Mercedes-Benz E 200 2.0 (1998 cc)
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$1,206.69 (Car model Mercedes-Benz E 200 2.0 (1998 cc))
  2. × 1.00 (NCD 50%) = S$1,206.69
  3. × 1.00 (Years licensed 9 and over) = S$1,206.69
  4. × 1.00 (Driver's age 35 to 40) = S$1,206.69
  5. × 1.00 (Years since the registration year 4 years) = S$1,206.69
  6. × 1.00 (Occupation Indoor) = S$1,206.69
  7. × 1.00 (Off-peak car No) = S$1,206.69
  8. × 1.00 (NCD protector No) = S$1,206.69
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$1,206.69
  10. + 9% GST = S$1,315.29
S$1,315.29
Mazda 3 1.5 M-Hybrid Classic, registered 2022, driver aged 36, 50% NCDUniCar Comprehensive Plus
  • NCD: 50%
  • Car model: Mazda 3 1.5 M-Hybrid Classic
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 36
  • Total claim amount: S$0
  • 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
  • Occupation: Indoor
  1. Base S$1,673.43 (Car model Mazda 3 1.5 M-Hybrid Classic)
  2. × 1.00 (NCD 50%) = S$1,673.43
  3. × 1.00 (Years licensed 9 and over) = S$1,673.43
  4. × 1.00 (Driver's age 35 to 40) = S$1,673.43
  5. × 1.00 (Years since the registration year 4 years) = S$1,673.43
  6. × 1.00 (Occupation Indoor) = S$1,673.43
  7. × 1.00 (Off-peak car No) = S$1,673.43
  8. × 1.00 (NCD protector No) = S$1,673.43
  9. × 1.00 (NCD 50%, Total claim amount S$0) = S$1,673.43
  10. + 9% GST = S$1,824.04
S$1,824.04

Where the figures come from

Plus 9 files of saved quotes, data and screenshots from UOI'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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