# Car insurance: BYD SEAL Premium, 3 years old, 50% no-claim discount

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

## Assumptions

- BYD SEAL Premium
- 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 |
| --- | --- | --- | --- | --- |
| AIG | AIG Car Insurance Collision Only | S$861.20 | S$600.00 | 21 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,100.89 | S$600.00 | 21 Oct 2026 |
| ECICS | Comprehensive | S$1,205.97 | S$750.00 | 22 Oct 2026 |
| Allianz | Allianz Electric Motor Protect Comprehensive | S$1,389.66 | S$2,000.00 | 21 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,555.98 | S$750.00 | 22 Oct 2026 |
| Singlife | Motor Lite | S$1,564.29 | S$3,000.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$1,632.58 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$1,666.18 | S$1,200.00 | 20 Oct 2026 |
| FWD | eDrivo Advantage | S$1,790.28 | S$600.00 | 20 Oct 2026 |
| Income | eDrivo Advantage | S$1,790.28 | S$600.00 | 20 Oct 2026 |
| Great Eastern | GREAT EV Protect Comprehensive (Any Workshop) | S$1,792.68 | S$900.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,848.33 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Standard | S$1,900.99 | S$2,500.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,915.38 (estimate) | S$800.00 | 21 Oct 2026 |
| FWD | eDrivo Premium | S$2,014.07 | S$600.00 | 20 Oct 2026 |
| Income | eDrivo Premium | S$2,014.07 | S$600.00 | 20 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$2,534.39 | S$2,500.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$2,666.77 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Prestige | S$2,693.74 | 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 BYD Seal in short

For the driver above, AIG is cheapest for the BYD Seal today, at S$861.20 for its AIG Car Insurance Collision Only plan. 11 insurers price it; the dearest of them, Etiqa, asks at least S$2,534.39, S$1,673.19 (194% more) on top, so comparing pays. Of the changes below, the one that costs most is "driver aged 27, 3 years’ driving, 30% NCD": the lowest price rises to S$1,848.33, 115% more. Against 6 similar cars (below) it costs 16% less than their average lowest price of S$1,025.72; one of them is cheaper to insure.

## How the BYD Seal 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$861.20 (as at 21 Oct 2026) |  | 11 | AIG |
| The same driver with no NCD (0%) | S$1,813.05 (as at 21 Oct 2026) | S$951.85 more | 11 | AIG |
| The same driver with 20% NCD | S$1,450.43 (as at 21 Oct 2026) | S$589.23 more | 11 | AIG |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,848.33 (as at 21 Oct 2026) | S$987.13 more | 11 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$1,057.76 (as at 21 Oct 2026) | S$196.56 more | 10 | AIG |
| A new car (registered this year) | S$1,205.97 (as at 22 Oct 2026) | S$344.77 more | 10 | ECICS |
| A car 8 years old | S$847.88 (as at 21 Oct 2026) | S$13.32 less | 11 | AIG |

## The BYD Seal on our quote form

We priced the BYD SEAL Premium (electric), the version most of our insurers quote.

Versions on the form:

- [BYD Seal 1.5 DM-i Dynamic](https://shentonbrokers.com/quote/car?brand=byd&model=byd-seal-1-5-dm-i-dynamic&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) (1,498cc)
- [BYD Seal 1.5 DM-i Premium](https://shentonbrokers.com/quote/car?brand=byd&model=byd-seal-1-5-dm-i-premium&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) (1,498cc)
- [BYD SEAL Premium](https://shentonbrokers.com/quote/car?brand=byd&model=byd-seal-premium&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) (electric)

## Insurers with no online price for the BYD Seal

- Budget Direct: This insurer has no online price for this car model yet.
- ERGO: This insurer has no online price for this car model yet.
- India International: This insurer has no online price for electric cars.
- Liberty: This insurer's online price is for repairs at any workshop.
- MS First Capital: MS First Capital does not quote electric cars online.
- QBE: This insurer has no online price for this car model yet.
- UOI: This insurer's online price is for repairs at any workshop.

## The BYD Seal against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Tesla Model 3](https://shentonbrokers.com/prices/car/tesla-model-3) | electric | S$869.87 (as at 21 Oct 2026) | 11 |
| [Tesla Model Y](https://shentonbrokers.com/prices/car/tesla-model-y) | electric | S$992.89 (as at 21 Oct 2026) | 11 |
| [Hyundai Ioniq 5](https://shentonbrokers.com/prices/car/hyundai-ioniq-5) | electric | S$954.21 (as at 20 Oct 2026) | 9 |
| [Kia EV6](https://shentonbrokers.com/prices/car/kia-ev6) | electric | S$826.24 (as at 21 Oct 2026) | 6 |
| [Audi e-tron Electric](https://shentonbrokers.com/prices/car/audi-e-tron-electric) | electric | S$1,505.85 (as at 20 Oct 2026) | 7 |
| [Mercedes-Benz EQA](https://shentonbrokers.com/prices/car/mercedes-benz-eqa) | electric | S$1,005.26 (as at 20 Oct 2026) | 6 |

## COE for the BYD Seal

A fully electric BYD Seal needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its motor is 110kW (147bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more powerful.

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

Get your own quote with these answers filled in: https://shentonbrokers.com/quote/car?brand=byd&model=byd-seal-premium&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/byd-seal