# Car insurance: BMW 116i 1.5, 3 years old, 50% no-claim discount

Indicative premiums from Shenton Insurance Brokers. As of 28 Oct 2026 (Singapore time).

## Assumptions

- BMW 116i 1.5
- Car registered 3 years ago, private use, comprehensive cover
- Main driver aged 40, married, office job, driving 10 years
- 50% no-claim discount, no claims; repairs at an authorised workshop; no options

## Premiums

Ranked by premium only, lowest first. Commission never affects the order.

| Insurer | Plan | Premium | Excess | As at |
| --- | --- | --- | --- | --- |
| India International | Comprehensive (any workshop or authorised workshops) | S$742.90 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$773.90 | S$1,200.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$830.43 | S$600.00 | 21 Oct 2026 |
| ECICS | Comprehensive | S$872.96 | S$750.00 | 22 Oct 2026 |
| FWD | Drivo Classic | S$948.09 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$948.09 | S$600.00 | 20 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$979.88 | S$2,000.00 | 21 Oct 2026 |
| MS First Capital | Comprehensive | S$983.86 | S$500.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$1,036.56 | S$600.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,109.81 | S$600.00 | 21 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,116.20 | S$500.00 | 18 Oct 2026 |
| ERGO | SMART Comprehensive | S$1,117.58 | S$500.00 | 23 Oct 2026 |
| Singlife | Motor Lite | S$1,123.57 | S$3,000.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,146.32 | S$600.00 | 20 Oct 2026 |
| FWD | Drivo Premium | S$1,185.11 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,185.11 | S$600.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,208.59 (estimate) | S$800.00 | 21 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,222.96 | S$750.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,252.43 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Standard | S$1,291.45 | S$2,500.00 | 20 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,369.97 | S$3,000.00 | 22 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,468.41 | S$500.00 | 23 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,743.73 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Prestige | S$1,769.30 | S$2,500.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,919.84 (estimate) | S$600.00 | 22 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$2,501.33 | S$2,500.00 | 20 Oct 2026 |

All prices include 9% GST.

These are example prices for the details above. Your own price depends on your answers.

"As at" is the date we read the insurer's published price table. A price with today's date comes from the insurer's live rates.

## The BMW 1 Series in short

For the driver above, India International is cheapest for the BMW 1 Series today, at S$742.90 for its Comprehensive (any workshop or authorised workshops) plan. 17 insurers price it; the dearest of them, Etiqa, asks at least S$2,501.33, S$1,758.43 (237% more) on top, so comparing pays. Of the changes below, the one that costs most is "the same driver with no NCD (0%)": the lowest price rises to S$1,208.59, 63% more. Against 6 similar cars (below) it costs 11% more than their average lowest price of S$667.46; 6 of them are cheaper to insure.

## How the BMW 1 Series price changes

The lowest price today when one thing about the driver or the car changes.

| Driver and car | Lowest price | Against this page | Insurers | Cheapest |
| --- | --- | --- | --- | --- |
| This page: driver aged 40, 10 years’ driving, 50% NCD, car 3 years old | S$742.90 (as at 20 Oct 2026) |  | 17 | India International |
| The same driver with no NCD (0%) | S$1,208.59 (as at 21 Oct 2026) | S$465.69 more | 17 | DirectAsia |
| The same driver with 20% NCD | S$1,208.59 (as at 21 Oct 2026) | S$465.69 more | 17 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,208.59 (as at 21 Oct 2026) | S$465.69 more | 17 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$742.90 (as at 20 Oct 2026) | the same | 16 | India International |
| A new car (registered this year) | S$764.82 (as at 20 Oct 2026) | S$21.92 more | 15 | India International |
| A car 8 years old | S$666.79 (as at 20 Oct 2026) | S$76.11 less | 17 | India International |

## The BMW 1 Series on our quote form

We priced the BMW 116i 1.5 (1,499cc), the version most of our insurers quote.

Versions on the form:

- [BMW 116D 1.5](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-116d-2&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-28&demeritFree=yes&claims=no&dob=1986-10-28&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised) (1,496cc)
- [BMW 116d 2.0](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-116d&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-28&demeritFree=yes&claims=no&dob=1986-10-28&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised) (1,995cc)
- [BMW 116i 1.5](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-116i-2&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-28&demeritFree=yes&claims=no&dob=1986-10-28&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised) (1,499cc)
- [BMW 116i 1.6](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-116i&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-28&demeritFree=yes&claims=no&dob=1986-10-28&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised) (1,598cc)
- [BMW 118d](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-118d&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-28&demeritFree=yes&claims=no&dob=1986-10-28&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised) (1,995cc)
- [BMW 118i](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-118i&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-28&demeritFree=yes&claims=no&dob=1986-10-28&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised) (1,995cc)
- [BMW 118i 1.5](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-118i-1-5&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-28&demeritFree=yes&claims=no&dob=1986-10-28&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised) (1,499cc)
- [BMW 118i 1.6](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-118i-1-6&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-28&demeritFree=yes&claims=no&dob=1986-10-28&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised) (1,598cc)
- [BMW 120i](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-120i&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-28&demeritFree=yes&claims=no&dob=1986-10-28&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised) (1,995cc)
- [BMW 130i](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-130i&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-28&demeritFree=yes&claims=no&dob=1986-10-28&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised) (2,996cc)

## Insurers with no online price for the BMW 1 Series

- Budget Direct: This insurer has no online price for this car model yet.

## The BMW 1 Series against similar cars

The same driver and car age, each car at the version most insurers quote.

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Toyota Corolla Altis](https://shentonbrokers.com/prices/car/toyota-corolla-altis) | 1,598cc | S$642.42 (as at 20 Oct 2026) | 18 |
| [Mazda 3](https://shentonbrokers.com/prices/car/mazda-3) | 1,496cc | S$730.18 (as at 20 Oct 2026) | 14 |
| [Toyota Sienta](https://shentonbrokers.com/prices/car/toyota-sienta) | 1,496cc | S$604.07 (as at 20 Oct 2026) | 17 |
| [Mercedes-Benz GLB](https://shentonbrokers.com/prices/car/mercedes-benz-glb) | 1,332cc | S$664.09 (as at 21 Oct 2026) | 12 |
| [Honda Freed](https://shentonbrokers.com/prices/car/honda-freed) | 1,496cc | S$642.42 (as at 20 Oct 2026) | 16 |
| [Hyundai Kona](https://shentonbrokers.com/prices/car/hyundai-kona) | 1,591cc | S$721.59 (as at 20 Oct 2026) | 16 |

## COE for the BMW 1 Series

With a 1,499cc engine, the BMW 116i 1.5 needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its power is 97kW (130bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more.

Latest results: https://shentonbrokers.com/coe

Get your own quote with these answers filled in: https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-116i-2&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-28&demeritFree=yes&claims=no&dob=1986-10-28&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised

You finish buying on the insurer's own site; the insurer takes payment and issues the policy.

Web page: https://shentonbrokers.com/prices/car/bmw-1-series