# Car insurance: Toyota Isis L 1.8, 3 years old, 50% no-claim discount

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

## Assumptions

- Toyota Isis L 1.8
- 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$721.59 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$763.41 | S$1,200.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$852.28 | S$600.00 | 20 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$857.09 | S$2,500.00 | 20 Oct 2026 |
| MS First Capital | Comprehensive | S$900.37 | S$500.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$959.27 | S$600.00 | 21 Oct 2026 |
| ECICS | Comprehensive | S$984.99 | S$750.00 | 22 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,048.42 | S$600.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,050.84 (estimate) | S$800.00 | 21 Oct 2026 |
| FWD | Drivo Classic | S$1,074.13 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$1,074.13 | S$600.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,088.96 (estimate) | S$800.00 | 21 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,089.22 | S$600.00 | 21 Oct 2026 |
| ERGO | SMART Comprehensive | S$1,113.31 | S$500.00 | 23 Oct 2026 |
| FWD | Drivo Advantage | S$1,235.24 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Advantage | S$1,235.24 | S$600.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,257.40 (estimate) | S$600.00 | 22 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,334.99 | S$750.00 | 22 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,339.45 | S$500.00 | 18 Oct 2026 |
| FWD | Drivo Premium | S$1,342.66 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,342.66 | S$600.00 | 20 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,462.10 | S$500.00 | 23 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,516.15 (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 Toyota Isis L in short

For the driver above, India International is cheapest for the Toyota Isis L today, at S$721.59 for its Comprehensive (any workshop or authorised workshops) plan. 14 insurers price it; the dearest of them, UOI, asks at least S$1,339.45, S$617.86 (86% 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$1,050.84, 46% more. Against 6 similar cars (below) it costs 8% less than their average lowest price of S$783.18; 2 of them are cheaper to insure.

## How the Toyota Isis L 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$721.59 (as at 20 Oct 2026) |  | 14 | India International |
| The same driver with no NCD (0%) | S$1,050.84 (as at 21 Oct 2026) | S$329.25 more | 14 | DirectAsia |
| The same driver with 20% NCD | S$1,050.84 (as at 21 Oct 2026) | S$329.25 more | 14 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,050.84 (as at 21 Oct 2026) | S$329.25 more | 14 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$721.59 (as at 20 Oct 2026) | the same | 13 | India International |
| A new car (registered this year) | S$742.90 (as at 20 Oct 2026) | S$21.31 more | 13 | India International |
| A car 8 years old | S$660.69 (as at 20 Oct 2026) | S$60.90 less | 14 | India International |

## The Toyota Isis L on our quote form

We priced the Toyota Isis L 1.8 (1,794cc), the version most of our insurers quote.

## Insurers with no online price for the Toyota Isis L

- Allianz: This insurer doesn’t offer this cover online.
- Budget Direct: This insurer has no online price for this car model yet.
- QBE: This insurer has no online price for this car model yet.
- Singlife: This insurer has no online price for this car model yet.

## The Toyota Isis L against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Hyundai Kona](https://shentonbrokers.com/prices/car/hyundai-kona) | 1,591cc | S$721.59 (as at 20 Oct 2026) | 16 |
| [Mercedes-Benz E-Class](https://shentonbrokers.com/prices/car/mercedes-benz-e-class) | 1,991cc | S$861.03 (as at 20 Oct 2026) | 15 |
| [BMW 5 Series](https://shentonbrokers.com/prices/car/bmw-5-series) | 1,998cc | S$861.03 (as at 20 Oct 2026) | 17 |
| [Hyundai Avante](https://shentonbrokers.com/prices/car/hyundai-avante) | 1,591cc | S$622.34 (as at 20 Oct 2026) | 17 |
| [Kia Cerato](https://shentonbrokers.com/prices/car/kia-cerato) | 1,591cc | S$660.69 (as at 20 Oct 2026) | 17 |
| [Lexus NX](https://shentonbrokers.com/prices/car/lexus-nx) | 1,998cc | S$972.39 (as at 20 Oct 2026) | 16 |

## COE for the Toyota Isis L

With a 1,794cc engine, above 1,600cc, the Toyota Isis L 1.8 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=toyota&model=toyota-isis-l-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

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

Web page: https://shentonbrokers.com/prices/car/toyota-isis-l