# Car insurance: Mercedes-Benz S 300L (A), 3 years old, 50% no-claim discount

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

## Assumptions

- Mercedes-Benz S 300L (A)
- 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 |
| --- | --- | --- | --- | --- |
| India International | Comprehensive (any workshop or authorised workshops) | S$886.61 | S$600.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$886.98 | S$600.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$981.34 | S$600.00 | 21 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$1,028.27 | S$2,000.00 | 21 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$1,058.73 | S$1,200.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$1,168.26 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$1,168.26 | S$600.00 | 20 Oct 2026 |
| ECICS | Comprehensive | S$1,248.79 | S$750.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,288.03 (estimate) | S$800.00 | 21 Oct 2026 |
| MS First Capital | Comprehensive | S$1,322.22 | S$500.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,323.34 | S$600.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,334.76 (estimate) | S$800.00 | 21 Oct 2026 |
| FWD | Drivo Advantage | S$1,343.50 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Advantage | S$1,343.50 | S$600.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,364.67 | S$600.00 | 20 Oct 2026 |
| Singlife | Motor Lite | S$1,372.44 | S$3,000.00 | 20 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,382.16 | S$500.00 | 18 Oct 2026 |
| FWD | Drivo Premium | S$1,460.33 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,460.33 | S$600.00 | 20 Oct 2026 |
| Singlife | Motor Standard | S$1,577.51 | S$2,500.00 | 20 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,598.79 | S$750.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,858.37 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Prestige | S$2,161.18 | 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 Mercedes-Benz S-Class in short

For the driver above, India International is cheapest for the Mercedes-Benz S-Class today, at S$886.61 for its Comprehensive (any workshop or authorised workshops) plan. 13 insurers price it; the dearest of them, UOI, asks at least S$1,382.16, S$495.55 (56% 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$1,288.03, 45% more.

## How the Mercedes-Benz S-Class 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$886.61 (as at 20 Oct 2026) |  | 13 | India International |
| The same driver with no NCD (0%) | S$1,288.03 (as at 21 Oct 2026) | S$401.42 more | 13 | DirectAsia |
| The same driver with 20% NCD | S$1,288.03 (as at 21 Oct 2026) | S$401.42 more | 13 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,288.03 (as at 21 Oct 2026) | S$401.42 more | 13 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$886.61 (as at 20 Oct 2026) | the same | 12 | India International |
| A new car (registered this year) | S$913.66 (as at 20 Oct 2026) | S$27.05 more | 12 | Sompo |
| A car 8 years old | S$811.71 (as at 20 Oct 2026) | S$74.90 less | 13 | India International |

## The Mercedes-Benz S-Class on our quote form

We priced the Mercedes-Benz S 300L (A) (2,997cc), the version most of our insurers quote.

Versions on the form:

- [Mercedes-Benz S 280L 2.8](https://shentonbrokers.com/quote/car?brand=mercedes-benz&model=mercedes-benz-s-280l-2-8&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) (2,799cc)
- [Mercedes-Benz S 300L (A)](https://shentonbrokers.com/quote/car?brand=mercedes-benz&model=mercedes-benz-s-300l-a&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) (2,997cc)
- [Mercedes-Benz S 300L 3.0](https://shentonbrokers.com/quote/car?brand=mercedes-benz&model=mercedes-benz-s-300l-3-0&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) (2,997cc)
- [Mercedes-Benz S 320 CDI (2987cc)](https://shentonbrokers.com/quote/car?brand=mercedes-benz&model=mercedes-benz-s-320-cdi-2987cc&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) (2,987cc)
- [Mercedes-Benz S 350 (3498cc)](https://shentonbrokers.com/quote/car?brand=mercedes-benz&model=mercedes-benz-s-350-3498cc&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) (3,498cc)
- [Mercedes-Benz S 350 BlueTEC](https://shentonbrokers.com/quote/car?brand=mercedes-benz&model=mercedes-benz-s-350-bluetec&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) (2,987cc)
- [Mercedes-Benz S 350 CDI](https://shentonbrokers.com/quote/car?brand=mercedes-benz&model=mercedes-benz-s-350-cdi&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) (2,987cc)
- [Mercedes-Benz S 350L Panaromic (A)](https://shentonbrokers.com/quote/car?brand=mercedes-benz&model=mercedes-benz-s-350l-panaromic-a&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) (3,500cc)
- [Mercedes-Benz S 400 CDI](https://shentonbrokers.com/quote/car?brand=mercedes-benz&model=mercedes-benz-s-400-cdi&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) (3,997cc)
- [Mercedes-Benz S 400 Hybrid](https://shentonbrokers.com/quote/car?brand=mercedes-benz&model=mercedes-benz-s-400-hybrid&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) (3,500cc)
- [Mercedes-Benz S320L](https://shentonbrokers.com/quote/car?brand=mercedes-benz&model=mercedes-benz-s320l&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) (2,996cc)
- [Mercedes-Benz S400L](https://shentonbrokers.com/quote/car?brand=mercedes-benz&model=mercedes-benz-s400l&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) (2,996cc)
- [Mercedes-Benz S450L AMG Line](https://shentonbrokers.com/quote/car?brand=mercedes-benz&model=mercedes-benz-s450l-amg-line&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) (2,999cc)

## Insurers with no online price for the Mercedes-Benz S-Class

- 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.
- Etiqa: 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.

## The Mercedes-Benz S-Class 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 |
| [BMW 7 Series](https://shentonbrokers.com/prices/car/bmw-7-series) | 2,998cc | S$1,030.55 (as at 21 Oct 2026) | 12 |

## COE for the Mercedes-Benz S-Class

With a 2,997cc engine, above 1,600cc, the Mercedes-Benz S 300L (A) 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=mercedes-benz&model=mercedes-benz-s-300l-a&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/mercedes-benz-s-class