# Car insurance: BMW 735i, 3 years old, 50% no-claim discount

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

## Assumptions

- BMW 735i
- 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 |
| --- | --- | --- | --- | --- |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$1,061.44 | S$600.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$1,097.74 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$1,097.74 | S$600.00 | 20 Oct 2026 |
| FWD | Drivo Premium | S$1,372.18 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,372.18 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$1,405.79 | S$1,200.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,428.19 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,479.97 (estimate) | S$800.00 | 21 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,564.02 | S$500.00 | 18 Oct 2026 |
| Singlife | Motor Lite | S$1,874.64 | S$3,000.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$2,060.58 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Standard | S$2,154.74 | S$2,500.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$2,635.69 (estimate) | S$600.00 | 22 Oct 2026 |
| Singlife | Motor Prestige | S$2,952.01 | S$2,500.00 | 20 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$4,082.63 | 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 735i in short

For the driver above, Sompo is cheapest for the BMW 735i today, at S$1,061.44 for its Comprehensive Cover – Authorised Workshop Plan plan. 9 insurers price it; the dearest of them, Etiqa, asks at least S$4,082.63, S$3,021.19 (285% 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$1,428.19, 35% more. Against 5 similar cars (below) it costs 10% less than their average lowest price of S$1,173.96; one of them is cheaper to insure.

## How the BMW 735i 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$1,061.44 (as at 20 Oct 2026) |  | 9 | Sompo |
| The same driver with no NCD (0%) | S$1,428.19 (as at 21 Oct 2026) | S$366.75 more | 9 | DirectAsia |
| The same driver with 20% NCD | S$1,428.19 (as at 21 Oct 2026) | S$366.75 more | 9 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,428.19 (as at 21 Oct 2026) | S$366.75 more | 9 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$1,097.74 (as at 20 Oct 2026) | S$36.30 more | 8 | FWD |
| A new car (registered this year) | S$1,093.38 (as at 20 Oct 2026) | S$31.94 more | 8 | Sompo |
| A car 8 years old | S$1,010.32 (as at 20 Oct 2026) | S$51.12 less | 9 | Sompo |

## The BMW 735i on our quote form

We priced the BMW 735i (3,600cc), the version most of our insurers quote.

## Insurers with no online price for the BMW 735i

- AIG: This insurer has no online price for this car model yet.
- Allianz: This insurer has no online price for this car model yet.
- Budget Direct: This insurer has no online price for this car model yet.
- ECICS: ECICS does not list this model on its online quote.
- ERGO: This insurer has no online price for this car model yet.
- Great Eastern: This insurer's online price is for electric cars only.
- India International: This insurer has no online price for this car model yet.
- MS First Capital: This insurer has no online price for this car model yet.
- QBE: This insurer has no online price for this car model yet.

## The BMW 735i against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Chrysler 300](https://shentonbrokers.com/prices/car/chrysler-300) | 3,518cc | S$1,675.24 (as at 20 Oct 2026) | 4 |
| [Lexus LS](https://shentonbrokers.com/prices/car/lexus-ls) | 3,456cc | S$933.67 (as at 20 Oct 2026) | 9 |
| [Mercedes-Benz CLS](https://shentonbrokers.com/prices/car/mercedes-benz-cls) | 3,498cc | S$1,071.54 (as at 20 Oct 2026) | 12 |
| [Mitsubishi Pajero](https://shentonbrokers.com/prices/car/mitsubishi-pajero) | 3,828cc | S$1,127.93 (as at 20 Oct 2026) | 11 |
| [BMW 735Li](https://shentonbrokers.com/prices/car/bmw-735li) | 3,600cc | S$1,061.44 (as at 20 Oct 2026) | 7 |

## COE for the BMW 735i

With a 3,600cc engine, above 1,600cc, the BMW 735i needs a Category B COE (S$131,901 in the October 2026, 2nd round).

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

Get your own quote with these answers filled in: https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-735i&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-735i