# Car insurance: Daihatsu Terios 1.3, 3 years old, 50% no-claim discount

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

## Assumptions

- Daihatsu Terios 1.3
- 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 |
| --- | --- | --- | --- | --- |
| HL Assurance | Car Protect360 Comprehensive | S$563.87 | S$1,200.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$806.22 | S$600.00 | 20 Oct 2026 |
| MS First Capital | Comprehensive | S$823.96 | S$500.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$844.28 | S$600.00 | 20 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$850.86 | S$500.00 | 18 Oct 2026 |
| ERGO | SMART Comprehensive | S$892.13 | S$500.00 | 23 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$955.36 (estimate) | S$600.00 | 22 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,134.40 | S$500.00 | 23 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 Daihatsu Terios in short

For the driver above, HL Assurance is cheapest for the Daihatsu Terios today, at S$563.87 for its Car Protect360 Comprehensive plan. 7 insurers price it; the dearest of them, Liberty, asks at least S$955.36, S$391.49 (69% 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$1,416.69, 151% more. Against 6 similar cars (below) it costs 12% less than their average lowest price of S$643.84; one of them is cheaper to insure.

## How the Daihatsu Terios 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$563.87 (as at 20 Oct 2026) |  | 7 | HL Assurance |
| The same driver with no NCD (0%) | S$1,296.89 (as at 20 Oct 2026) | S$733.02 more | 7 | HL Assurance |
| The same driver with 20% NCD | S$947.30 (as at 20 Oct 2026) | S$383.43 more | 7 | HL Assurance |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,416.69 (as at 20 Oct 2026) | S$852.82 more | 7 | HL Assurance |
| Driver aged 65, 20 years’ driving, 50% NCD | S$881.04 (as at 20 Oct 2026) | S$317.17 more | 6 | Sompo |
| A new car (registered this year) | S$599.85 (as at 20 Oct 2026) | S$35.98 more | 7 | HL Assurance |
| A car 8 years old | S$551.87 (as at 20 Oct 2026) | S$12.00 less | 7 | HL Assurance |

## The Daihatsu Terios on our quote form

We priced the Daihatsu Terios 1.3 (1,298cc), the version most of our insurers quote.

Versions on the form:

- [Daihatsu Terios 1.3](https://shentonbrokers.com/quote/car?brand=daihatsu&model=daihatsu-terios-1-3&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) (1,298cc)
- [Daihatsu Terios 1.5](https://shentonbrokers.com/quote/car?brand=daihatsu&model=daihatsu-terios-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) (1,495cc)
- [Daihatsu Terios 1.5 2WD Big Wheels](https://shentonbrokers.com/quote/car?brand=daihatsu&model=daihatsu-terios-1-5-2wd-big-wheels&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) (1,495cc)
- [Daihatsu Terios 1.5 2WD High Grade](https://shentonbrokers.com/quote/car?brand=daihatsu&model=daihatsu-terios-1-5-2wd-high-grade&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) (1,495cc)
- [Daihatsu Terios 1.5 4WD Big Wheels](https://shentonbrokers.com/quote/car?brand=daihatsu&model=daihatsu-terios-1-5-4wd-big-wheels&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) (1,495cc)

## Insurers with no online price for the Daihatsu Terios

- 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.
- DirectAsia: This insurer has no online price for this car model yet.
- ECICS: ECICS does not list this model on its online quote.
- Etiqa: 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.
- QBE: This insurer has no online price for this car model yet.
- Singlife: This insurer has no online price for this car model yet.

## The Daihatsu Terios against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Mercedes-Benz GLB](https://shentonbrokers.com/prices/car/mercedes-benz-glb) | 1,332cc | S$664.09 (as at 21 Oct 2026) | 12 |
| [Honda Jazz / Fit](https://shentonbrokers.com/prices/car/honda-jazz) | 1,317cc | S$622.34 (as at 20 Oct 2026) | 17 |
| [Toyota Yaris Cross](https://shentonbrokers.com/prices/car/toyota-yaris-cross) | 1,490cc | S$604.07 (as at 20 Oct 2026) | 16 |
| [Toyota C-HR](https://shentonbrokers.com/prices/car/toyota-c-hr) | 1,197cc | S$552.91 (as at 20 Oct 2026) | 17 |
| [Mercedes-Benz A-Class](https://shentonbrokers.com/prices/car/mercedes-benz-a-class) | 1,332cc | S$755.55 (as at 23 Oct 2026) | 16 |
| [Mercedes-Benz GLA](https://shentonbrokers.com/prices/car/mercedes-benz-gla) | 1,332cc | S$664.09 (as at 21 Oct 2026) | 15 |

## COE for the Daihatsu Terios

With a 1,298cc engine, the Daihatsu Terios 1.3 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=daihatsu&model=daihatsu-terios-1-3&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/daihatsu-terios