# Car insurance: Opel ASTRA 1.0, 3 years old, 50% no-claim discount

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

## Assumptions

- Opel ASTRA 1.0
- 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$545.00 | S$600.00 | 20 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$691.57 | S$2,500.00 | 20 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$708.82 | S$2,000.00 | 21 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$757.60 | S$1,200.00 | 20 Oct 2026 |
| ERGO | SMART Comprehensive | S$779.13 | S$500.00 | 23 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$829.27 | S$600.00 | 21 Oct 2026 |
| ECICS | Comprehensive | S$859.26 | S$750.00 | 22 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$882.99 | S$600.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$894.55 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$894.55 | S$600.00 | 20 Oct 2026 |
| MS First Capital | Comprehensive | S$900.37 | S$500.00 | 20 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$938.99 | S$500.00 | 18 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$953.11 | S$600.00 | 20 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$967.01 | S$500.00 | 23 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,001.78 | S$600.00 | 21 Oct 2026 |
| Singlife | Motor Lite | S$1,025.49 | S$3,000.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,117.23 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,157.75 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Standard | S$1,178.74 | S$2,500.00 | 20 Oct 2026 |
| FWD | Drivo Premium | S$1,188.29 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,188.29 | S$600.00 | 20 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,209.26 | S$750.00 | 22 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,275.90 (estimate) | S$600.00 | 22 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,456.49 | S$3,000.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,611.96 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Prestige | S$1,614.87 | 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 Opel ASTRA in short

For the driver above, India International is cheapest for the Opel ASTRA today, at S$545.00 for its Comprehensive (any workshop or authorised workshops) plan. 17 insurers price it; the dearest of them, QBE, asks at least S$1,456.49, S$911.49 (167% 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$1,117.23, 105% more. Against 6 similar cars (below) it costs 15% less than their average lowest price of S$643.02; none of them is cheaper to insure.

## How the Opel ASTRA 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$545.00 (as at 20 Oct 2026) |  | 17 | India International |
| The same driver with no NCD (0%) | S$1,117.23 (as at 21 Oct 2026) | S$572.23 more | 17 | DirectAsia |
| The same driver with 20% NCD | S$903.53 (as at 20 Oct 2026) | S$358.53 more | 17 | India International |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,010.22 (as at 20 Oct 2026) | S$465.22 more | 17 | India International |
| Driver aged 65, 20 years’ driving, 50% NCD | S$545.00 (as at 20 Oct 2026) | the same | 16 | India International |
| A new car (registered this year) | S$552.91 (as at 20 Oct 2026) | S$7.91 more | 16 | India International |
| A car 8 years old | S$545.00 (as at 20 Oct 2026) | the same | 17 | India International |

## The Opel ASTRA on our quote form

We priced the Opel ASTRA 1.0 (999cc), the version most of our insurers quote.

Versions on the form:

- [Opel ASTRA 1.0](https://shentonbrokers.com/quote/car?brand=opel&model=opel-astra-1-0&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) (999cc)
- [Opel Astra 1.3 CDTi Caravan](https://shentonbrokers.com/quote/car?brand=opel&model=opel-astra-1-3-cdti-caravan&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) (1,248cc)
- [Opel Astra 1.4](https://shentonbrokers.com/quote/car?brand=opel&model=opel-astra-1-4&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) (1,398cc)
- [Opel Astra 1.6](https://shentonbrokers.com/quote/car?brand=opel&model=opel-astra-1-6&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) (1,598cc)
- [Opel Astra 1.8](https://shentonbrokers.com/quote/car?brand=opel&model=opel-astra-1-8&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) (1,796cc)
- [Opel Astra 1.8 SPRT](https://shentonbrokers.com/quote/car?brand=opel&model=opel-astra-1-8-sprt&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) (1,795cc)

## Insurers with no online price for the Opel ASTRA

- Budget Direct: This insurer has no online price for this car model yet.

## The Opel ASTRA against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Audi A1](https://shentonbrokers.com/prices/car/audi-a1) | 999cc | S$660.69 (as at 20 Oct 2026) | 15 |
| [Audi Q2](https://shentonbrokers.com/prices/car/audi-q2) | 999cc | S$660.69 (as at 20 Oct 2026) | 17 |
| [Chery A1](https://shentonbrokers.com/prices/car/chery-a1) | 1,083cc | S$757.60 (as at 20 Oct 2026) | 4 |
| [Chery QQ](https://shentonbrokers.com/prices/car/chery-qq) | 1,051cc | S$545.00 (as at 20 Oct 2026) | 12 |
| [Citroen C3](https://shentonbrokers.com/prices/car/citroen-c3) | 1,124cc | S$604.07 (as at 20 Oct 2026) | 10 |
| [Daihatsu Copen](https://shentonbrokers.com/prices/car/daihatsu-copen) | 989cc | S$630.09 (as at 20 Oct 2026) | 5 |

## COE for the Opel ASTRA

With a 999cc engine, the Opel ASTRA 1.0 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=opel&model=opel-astra-1-0&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

You finish buying on the insurer's own site; the insurer takes payment and issues the policy.

Web page: https://shentonbrokers.com/prices/car/opel-astra