# Car insurance: Renault Clio 1.2, 3 years old, 50% no-claim discount

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

## Assumptions

- Renault Clio 1.2
- 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 |
| --- | --- | --- | --- | --- |
| Allianz | Allianz Motor Protect Comprehensive | S$615.48 | S$2,000.00 | 21 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$708.64 | S$2,500.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$725.02 | S$1,200.00 | 20 Oct 2026 |
| ECICS | Comprehensive | S$798.96 | S$750.00 | 22 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$905.83 | S$600.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$944.57 (estimate) | S$800.00 | 21 Oct 2026 |
| FWD | Drivo Classic | S$959.46 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$959.46 | S$600.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$959.78 | S$600.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$966.67 | S$600.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$978.84 (estimate) | S$800.00 | 21 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,036.42 | S$500.00 | 18 Oct 2026 |
| ERGO | SMART Comprehensive | S$1,037.12 | S$500.00 | 23 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,148.96 | S$750.00 | 22 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,210.35 (estimate) | S$600.00 | 22 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,212.53 | S$600.00 | 21 Oct 2026 |
| Singlife | Motor Lite | S$1,237.52 | S$3,000.00 | 20 Oct 2026 |
| FWD | Drivo Premium | S$1,247.30 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,247.30 | S$600.00 | 20 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,349.21 | S$500.00 | 23 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,362.86 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Standard | S$1,422.44 | S$2,500.00 | 20 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,643.96 | S$3,000.00 | 22 Oct 2026 |
| Singlife | Motor Prestige | S$1,948.73 | 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 Renault Clio in short

For the driver above, Allianz is cheapest for the Renault Clio today, at S$615.48 for its Allianz Motor Protect Comprehensive plan. 16 insurers price it; the dearest of them, QBE, asks at least S$1,643.96, S$1,028.48 (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$944.57, 53% more. Against 6 similar cars (below) it costs about the same as their average lowest price of S$618.18; 2 of them are cheaper to insure.

## How the Renault Clio 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$615.48 (as at 21 Oct 2026) |  | 16 | Allianz |
| The same driver with no NCD (0%) | S$944.57 (as at 21 Oct 2026) | S$329.09 more | 16 | DirectAsia |
| The same driver with 20% NCD | S$944.57 (as at 21 Oct 2026) | S$329.09 more | 16 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$944.57 (as at 21 Oct 2026) | S$329.09 more | 16 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$686.48 (as at 21 Oct 2026) | S$71.00 more | 15 | Allianz |
| A new car (registered this year) | S$615.48 (as at 21 Oct 2026) | the same | 15 | Allianz |
| A car 8 years old | S$615.48 (as at 21 Oct 2026) | the same | 16 | Allianz |

## The Renault Clio on our quote form

We priced the Renault Clio 1.2 (1,149cc), the version most of our insurers quote.

Versions on the form:

- [Renault Clio 1.2](https://shentonbrokers.com/quote/car?brand=renault&model=renault-clio-1-2&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) (1,149cc)
- [Renault Clio 1.4](https://shentonbrokers.com/quote/car?brand=renault&model=renault-clio-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) (1,388cc)
- [Renault Clio 1.5 dCi](https://shentonbrokers.com/quote/car?brand=renault&model=renault-clio-1-5-dci&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) (1,461cc)
- [Renault Clio 1.6](https://shentonbrokers.com/quote/car?brand=renault&model=renault-clio-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)

## Insurers with no online price for the Renault Clio

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

## The Renault Clio against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Honda Jazz / Fit](https://shentonbrokers.com/prices/car/honda-jazz) | 1,317cc | S$622.34 (as at 20 Oct 2026) | 17 |
| [Toyota C-HR](https://shentonbrokers.com/prices/car/toyota-c-hr) | 1,197cc | S$552.91 (as at 20 Oct 2026) | 17 |
| [Nissan Kicks e-Power](https://shentonbrokers.com/prices/car/nissan-kicks) | 1,198cc | S$590.12 (as at 20 Oct 2026) | 12 |
| [Mitsubishi Attrage](https://shentonbrokers.com/prices/car/mitsubishi-attrage) | 1,193cc | S$622.34 (as at 20 Oct 2026) | 17 |
| [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 |

## COE for the Renault Clio

With a 1,149cc engine, the Renault Clio 1.2 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=renault&model=renault-clio-1-2&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/renault-clio