# Car insurance: BMW 320i, 50% NCD

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

## Assumptions

- 6-year-old BMW 320i
- Driving 20 years, 50% NCD, no claims
- Main driver 40, married, office job; no options
- Comprehensive, authorised workshops, private use

## 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$811.71 | S$600.00 | 20 Oct 2026 |
| ECICS | Comprehensive | S$857.64 | S$750.00 | 22 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$862.23 | S$600.00 | 21 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$892.67 | S$1,200.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$940.70 | S$600.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$969.74 (estimate) | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$969.74 (estimate) | S$600.00 | 20 Oct 2026 |
| Budget Direct | Car Insurance – Comprehensive | S$999.03 (estimate) | S$600.00 | 22 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,023.00 | S$600.00 | 20 Oct 2026 |
| Singlife | Motor Lite | S$1,060.31 | S$3,000.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,106.06 | S$600.00 | 21 Oct 2026 |
| MS First Capital | Comprehensive | S$1,140.56 | S$500.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,157.56 (estimate) | S$800.00 | 21 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$1,177.05 | S$2,000.00 | 21 Oct 2026 |
| ERGO | SMART Comprehensive | S$1,186.67 | S$500.00 | 23 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,199.52 (estimate) | S$800.00 | 21 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,200.89 | S$500.00 | 18 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,207.64 | S$750.00 | 22 Oct 2026 |
| FWD | Drivo Premium | S$1,216.20 (estimate) | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,216.20 (estimate) | S$600.00 | 20 Oct 2026 |
| Singlife | Motor Standard | S$1,218.75 | S$2,500.00 | 20 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,546.26 | S$500.00 | 23 Oct 2026 |
| Singlife | Motor Prestige | S$1,669.68 | S$2,500.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,670.13 (estimate) | S$800.00 | 21 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$1,907.88 | S$2,500.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,911.12 (estimate) | S$600.00 | 22 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,990.06 | S$3,000.00 | 22 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.

Get your own quote with these answers filled in: https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-320i&ncd=50&licenceYears=20&regDate=2020-10-28&demeritFree=yes&claims=no&dob=1986-10-28&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised&ncdProtector=no

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-3-series-50-ncd-50