# Car insurance: Volkswagen Passat 1.8, 3 years old, 50% no-claim discount

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

## Assumptions

- Volkswagen Passat 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 |
| --- | --- | --- | --- | --- |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$819.82 | S$2,500.00 | 20 Oct 2026 |
| India International | Comprehensive (any workshop or authorised workshops) | S$861.03 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$889.42 | S$1,200.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$932.60 | S$600.00 | 21 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$959.78 | S$600.00 | 20 Oct 2026 |
| MS First Capital | Comprehensive | S$983.86 | S$500.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$1,013.69 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$1,013.69 | S$600.00 | 20 Oct 2026 |
| ECICS | Comprehensive | S$1,024.39 | 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 |
| UOI | UniCar Comprehensive Value | S$1,062.36 | S$500.00 | 18 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,136.83 | S$600.00 | 21 Oct 2026 |
| Singlife | Motor Lite | S$1,159.08 | S$3,000.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,208.59 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,252.43 (estimate) | S$800.00 | 21 Oct 2026 |
| ERGO | SMART Comprehensive | S$1,272.07 | S$500.00 | 23 Oct 2026 |
| FWD | Drivo Premium | S$1,304.04 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,304.04 | S$600.00 | 20 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$1,319.25 | S$2,000.00 | 21 Oct 2026 |
| Singlife | Motor Standard | S$1,332.29 | S$2,500.00 | 20 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,374.39 | S$750.00 | 22 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,482.17 (estimate) | S$600.00 | 22 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,662.75 | S$500.00 | 23 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,743.73 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Prestige | S$1,825.23 | S$2,500.00 | 20 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$2,062.16 | 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 Volkswagen Passat in short

For the driver above, Etiqa is cheapest for the Volkswagen Passat today, at S$819.82 for its Private Car Insurance – Comprehensive (Authorised Workshop) plan. 17 insurers price it; the dearest of them, QBE, asks at least S$2,062.16, S$1,242.34 (152% 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$1,208.59, 47% more. Against 6 similar cars (below) it costs 11% more than their average lowest price of S$741.89; 4 of them are cheaper to insure.

## How the Volkswagen Passat 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$819.82 (as at 20 Oct 2026) |  | 17 | Etiqa |
| The same driver with no NCD (0%) | S$1,208.59 (as at 21 Oct 2026) | S$388.77 more | 17 | DirectAsia |
| The same driver with 20% NCD | S$1,208.59 (as at 21 Oct 2026) | S$388.77 more | 17 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,208.59 (as at 21 Oct 2026) | S$388.77 more | 17 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$861.03 (as at 20 Oct 2026) | S$41.21 more | 16 | India International |
| A new car (registered this year) | S$786.83 (as at 20 Oct 2026) | S$32.99 less | 16 | Etiqa |
| A car 8 years old | S$787.96 (as at 20 Oct 2026) | S$31.86 less | 17 | India International |

## The Volkswagen Passat on our quote form

We priced the Volkswagen Passat 1.8 (1,798cc), the version most of our insurers quote.

Versions on the form:

- [Volkswagen Passat 1.4 TDI BlueMotion SASE](https://shentonbrokers.com/quote/car?brand=volkswagen&model=volkswagen-passat-1-4-tdi-bluemotion-sase&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) (2,000cc)
- [Volkswagen Passat 1.4 TSI](https://shentonbrokers.com/quote/car?brand=volkswagen&model=volkswagen-passat-1-4-tsi&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)
- [Volkswagen Passat 1.8](https://shentonbrokers.com/quote/car?brand=volkswagen&model=volkswagen-passat-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) (1,798cc)
- [Volkswagen Passat 1.8 SASE (Non-Turbo)](https://shentonbrokers.com/quote/car?brand=volkswagen&model=volkswagen-passat-1-8-sase-non-turbo&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) (1,781cc)
- [Volkswagen Passat 1.8 Turbo](https://shentonbrokers.com/quote/car?brand=volkswagen&model=volkswagen-passat-1-8-turbo&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) (1,781cc)
- [Volkswagen Passat 1.8 Wagon (Non-Turbo)](https://shentonbrokers.com/quote/car?brand=volkswagen&model=volkswagen-passat-1-8-wagon-non-turbo&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) (1,781cc)
- [Volkswagen Passat 2.0 (Non-Turbo)](https://shentonbrokers.com/quote/car?brand=volkswagen&model=volkswagen-passat-2-0-non-turbo&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) (1,982cc)
- [Volkswagen Passat 2.0 Turbo](https://shentonbrokers.com/quote/car?brand=volkswagen&model=volkswagen-passat-2-0-turbo&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) (1,984cc)
- [Volkswagen Passat 2.0 Wagon Turbo](https://shentonbrokers.com/quote/car?brand=volkswagen&model=volkswagen-passat-2-0-wagon-turbo&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) (2,000cc)
- [Volkswagen Passat 3.6](https://shentonbrokers.com/quote/car?brand=volkswagen&model=volkswagen-passat-3-6&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) (3,597cc)
- [Volkswagen Passat Variant 1.8 Turbo](https://shentonbrokers.com/quote/car?brand=volkswagen&model=volkswagen-passat-variant-1-8-turbo&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) (1,781cc)

## Insurers with no online price for the Volkswagen Passat

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

## The Volkswagen Passat 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 |
| [Toyota Harrier](https://shentonbrokers.com/prices/car/toyota-harrier) | 1,986cc | S$742.90 (as at 20 Oct 2026) | 17 |
| [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 |

## COE for the Volkswagen Passat

With a 1,798cc engine, above 1,600cc, the Volkswagen Passat 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=volkswagen&model=volkswagen-passat-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/volkswagen-passat