# Car insurance: Skoda Octavia Combi 1.4, 3 years old, 50% no-claim discount

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

## Assumptions

- Skoda Octavia Combi 1.4
- 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$684.13 | S$1,200.00 | 20 Oct 2026 |
| India International | Comprehensive (any workshop or authorised workshops) | S$721.59 | S$600.00 | 20 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$761.68 | S$2,000.00 | 21 Oct 2026 |
| MS First Capital | Comprehensive | S$823.96 | S$500.00 | 20 Oct 2026 |
| Singlife | Motor Lite | S$862.78 | S$3,000.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$882.99 | S$600.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$899.21 | S$600.00 | 21 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$915.98 | S$500.00 | 18 Oct 2026 |
| FWD | Drivo Classic | S$941.32 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$941.32 | S$600.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$976.93 | S$600.00 | 20 Oct 2026 |
| ERGO | SMART Comprehensive | S$991.16 | S$500.00 | 23 Oct 2026 |
| Singlife | Motor Standard | S$991.70 | S$2,500.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,069.28 | S$600.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,080.50 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,119.69 (estimate) | S$800.00 | 21 Oct 2026 |
| FWD | Drivo Premium | S$1,176.66 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,176.66 | S$600.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,247.27 (estimate) | S$600.00 | 22 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,281.13 | S$500.00 | 23 Oct 2026 |
| Singlife | Motor Prestige | S$1,358.63 | S$2,500.00 | 20 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,543.01 | S$3,000.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,558.97 (estimate) | S$800.00 | 21 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 Octavia Combi in short

For the driver above, HL Assurance is cheapest for the Skoda Octavia Combi today, at S$684.13 for its Car Protect360 Comprehensive plan. 15 insurers price it; the dearest of them, QBE, asks at least S$1,543.01, S$858.88 (126% 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$1,080.50, 58% more. Against 6 similar cars (below) it costs 1% more than their average lowest price of S$680.10; 4 of them are cheaper to insure.

## How the Skoda Octavia 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$684.13 (as at 20 Oct 2026) |  | 15 | HL Assurance |
| The same driver with no NCD (0%) | S$1,080.50 (as at 21 Oct 2026) | S$396.37 more | 15 | DirectAsia |
| The same driver with 20% NCD | S$1,064.09 (as at 20 Oct 2026) | S$379.96 more | 15 | Singlife |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,080.50 (as at 21 Oct 2026) | S$396.37 more | 15 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$721.59 (as at 20 Oct 2026) | S$37.46 more | 14 | India International |
| A new car (registered this year) | S$727.78 (as at 20 Oct 2026) | S$43.65 more | 14 | HL Assurance |
| A car 8 years old | S$660.69 (as at 20 Oct 2026) | S$23.44 less | 15 | India International |

## The Skoda Octavia Combi on our quote form

We priced the Skoda Octavia Combi 1.4 (1,390cc), the version most of our insurers quote.

Versions on the form:

- [Skoda Octavia Combi 1.4](https://shentonbrokers.com/quote/car?brand=skoda&model=skoda-octavia-combi-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) (1,390cc)
- [Skoda Octavia Combi 1.5 TSI e-TEC Sportline](https://shentonbrokers.com/quote/car?brand=skoda&model=skoda-octavia-combi-1-5-tsi-e-tec-sportline&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) (1,498cc)
- [Skoda Octavia Combi 1.5 TSI e-TEC Style](https://shentonbrokers.com/quote/car?brand=skoda&model=skoda-octavia-combi-1-5-tsi-e-tec-style&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) (1,498cc)
- [Skoda Octavia Combi 1.5 TSI Selection](https://shentonbrokers.com/quote/car?brand=skoda&model=skoda-octavia-combi-1-5-tsi-selection&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) (1,498cc)

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

- 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.

## The Skoda Octavia Combi against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Toyota Corolla Altis](https://shentonbrokers.com/prices/car/toyota-corolla-altis) | 1,598cc | S$642.42 (as at 20 Oct 2026) | 18 |
| [Mazda 3](https://shentonbrokers.com/prices/car/mazda-3) | 1,496cc | S$730.18 (as at 20 Oct 2026) | 14 |
| [Toyota Sienta](https://shentonbrokers.com/prices/car/toyota-sienta) | 1,496cc | S$604.07 (as at 20 Oct 2026) | 17 |
| [BMW X1](https://shentonbrokers.com/prices/car/bmw-x1) | 1,499cc | S$797.41 (as at 22 Oct 2026) | 17 |
| [Mercedes-Benz GLB](https://shentonbrokers.com/prices/car/mercedes-benz-glb) | 1,332cc | S$664.09 (as at 21 Oct 2026) | 12 |
| [Honda Freed](https://shentonbrokers.com/prices/car/honda-freed) | 1,496cc | S$642.42 (as at 20 Oct 2026) | 16 |

## COE for the Skoda Octavia Combi

With a 1,390cc engine, the Skoda Octavia Combi 1.4 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-octavia-combi-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

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-octavia-combi