# Car insurance: BMW X4 M40I, 3 years old, 50% no-claim discount

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

## Assumptions

- BMW X4 M40I
- 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 |
| --- | --- | --- | --- | --- |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,364.67 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$1,374.26 | S$1,200.00 | 20 Oct 2026 |
| MS First Capital | Comprehensive | S$1,402.74 | S$500.00 | 20 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$1,601.58 | S$2,000.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,734.10 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,797.02 (estimate) | S$800.00 | 21 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,846.44 | S$500.00 | 18 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$2,501.95 (estimate) | S$800.00 | 21 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$6,726.49 | 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 X4 in short

For the driver above, Great Eastern is cheapest for the BMW X4 today, at S$1,364.67 for its Drive and Save Plus Comprehensive (Authorised Workshop) plan. 7 insurers price it; the dearest of them, Etiqa, asks at least S$6,726.49, S$5,361.82 (393% 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$1,734.10, 27% more.

## How the BMW X4 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$1,364.67 (as at 20 Oct 2026) |  | 7 | Great Eastern |
| The same driver with no NCD (0%) | S$1,734.10 (as at 21 Oct 2026) | S$369.43 more | 7 | DirectAsia |
| The same driver with 20% NCD | S$1,734.10 (as at 21 Oct 2026) | S$369.43 more | 7 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,734.10 (as at 21 Oct 2026) | S$369.43 more | 7 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$1,482.37 (as at 20 Oct 2026) | S$117.70 more | 6 | Great Eastern |
| A new car (registered this year) | S$1,444.82 (as at 20 Oct 2026) | S$80.15 more | 7 | MS First Capital |
| A car 8 years old | S$1,247.70 (as at 20 Oct 2026) | S$116.97 less | 7 | Great Eastern |

## The BMW X4 on our quote form

We priced the BMW X4 M40I (2,998cc), the version most of our insurers quote.

## Insurers with no online price for the BMW X4

- AIG: 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.
- FWD: This insurer has no online price for this car model yet.
- Income: This insurer has no online price for this car model yet.
- India International: This insurer has no online price for this car model yet.
- Liberty: This insurer has no online price for this car model yet.
- QBE: This insurer has no online price for this car model yet.
- Singlife: This insurer has no online price for this car model yet.
- Sompo: This insurer has no online price for this car model yet.

## The BMW X4 against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Audi Q7](https://shentonbrokers.com/prices/car/audi-q7) | 2,995cc | No online price | 0 |
| [Audi S4 Saloon](https://shentonbrokers.com/prices/car/audi-s4-saloon) | 2,995cc | No online price | 0 |
| [Audi S5](https://shentonbrokers.com/prices/car/audi-s5) | 2,995cc | No online price | 0 |
| [Audi S5 SPRTback](https://shentonbrokers.com/prices/car/audi-s5-sprtback) | 2,995cc | No online price | 0 |
| [Audi SQ5](https://shentonbrokers.com/prices/car/audi-sq5) | 2,995cc | No online price | 0 |
| [Infiniti Infiniti](https://shentonbrokers.com/prices/car/infiniti-infiniti) | 2,997cc | S$1,244.98 (as at 20 Oct 2026) | 10 |

## COE for the BMW X4

With a 2,998cc engine, above 1,600cc, the BMW X4 M40I 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-x4-m40i&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-x4