# Car insurance: Skoda Fabia Combi 1.2, 3 years old, 50% no-claim discount

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

## Assumptions

- Skoda Fabia Combi 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 |
| --- | --- | --- | --- | --- |
| India International | Comprehensive (any workshop or authorised workshops) | S$666.79 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$669.72 | S$1,200.00 | 20 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$702.65 | S$2,000.00 | 21 Oct 2026 |
| ERGO | SMART Comprehensive | S$852.18 | S$500.00 | 23 Oct 2026 |
| FWD | Drivo Classic | S$878.05 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$878.05 | S$600.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$967.40 | S$600.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,036.64 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,074.25 (estimate) | S$800.00 | 21 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,075.24 | S$500.00 | 23 Oct 2026 |
| FWD | Drivo Premium | S$1,141.46 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,141.46 | S$600.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,247.27 (estimate) | S$600.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,495.65 (estimate) | S$800.00 | 21 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,514.17 | S$3,000.00 | 22 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 Skoda Fabia Combi in short

For the driver above, India International is cheapest for the Skoda Fabia Combi today, at S$666.79 for its Comprehensive (any workshop or authorised workshops) plan. 10 insurers price it; the dearest of them, QBE, asks at least S$1,514.17, S$847.38 (127% 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$1,036.64, 55% more. Against 6 similar cars (below) it costs 4% more than their average lowest price of S$641.52; 5 of them are cheaper to insure.

## How the Skoda Fabia Combi 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$666.79 (as at 20 Oct 2026) |  | 10 | India International |
| The same driver with no NCD (0%) | S$1,036.64 (as at 21 Oct 2026) | S$369.85 more | 10 | DirectAsia |
| The same driver with 20% NCD | S$1,036.64 (as at 21 Oct 2026) | S$369.85 more | 10 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,036.64 (as at 21 Oct 2026) | S$369.85 more | 10 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$666.79 (as at 20 Oct 2026) | the same | 9 | India International |
| A new car (registered this year) | S$700.28 (as at 20 Oct 2026) | S$33.49 more | 10 | India International |
| A car 8 years old | S$622.34 (as at 20 Oct 2026) | S$44.45 less | 10 | India International |

## The Skoda Fabia Combi on our quote form

We priced the Skoda Fabia Combi 1.2 (1,198cc), the version most of our insurers quote.

## Insurers with no online price for the Skoda Fabia Combi

- AIG: This insurer has no online price for this car model yet.
- Budget Direct: 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.
- MS First Capital: This insurer has no online price for this car model yet.
- Singlife: This insurer has no online price for this car model yet.
- Sompo: This insurer has no online price for this car model yet.
- UOI: This insurer has no online price for this car model yet.

## The Skoda Fabia Combi 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 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 |
| [Nissan Qashqai](https://shentonbrokers.com/prices/car/nissan-qashqai) | 1,332cc | S$590.12 (as at 20 Oct 2026) | 16 |

## COE for the Skoda Fabia Combi

With a 1,198cc engine, the Skoda Fabia Combi 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=skoda&model=skoda-fabia-combi-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/skoda-fabia-combi