# Car insurance: Volkswagen Sharan 1.4 TSI, 3 years old, 50% no-claim discount

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

## Assumptions

- Volkswagen Sharan 1.4 TSI
- 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$743.64 | S$2,500.00 | 20 Oct 2026 |
| MS First Capital | Comprehensive | S$754.04 | S$500.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$789.38 | S$1,200.00 | 20 Oct 2026 |
| ERGO | SMART Comprehensive | S$919.34 | S$500.00 | 23 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$976.93 | S$600.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$980.97 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$980.97 | S$600.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$1,038.09 | S$600.00 | 20 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,140.18 | S$500.00 | 23 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,144.12 | S$500.00 | 18 Oct 2026 |
| FWD | Drivo Premium | S$1,226.21 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,226.21 | S$600.00 | 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 Volkswagen Sharan in short

For the driver above, Etiqa is cheapest for the Volkswagen Sharan today, at S$743.64 for its Private Car Insurance – Comprehensive (Authorised Workshop) plan. 9 insurers price it; the dearest of them, UOI, asks at least S$1,144.12, S$400.48 (54% 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$1,397.84, 88% more. Against 6 similar cars (below) it costs 9% more than their average lowest price of S$680.10; 5 of them are cheaper to insure.

## How the Volkswagen Sharan 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$743.64 (as at 20 Oct 2026) |  | 9 | Etiqa |
| The same driver with no NCD (0%) | S$1,397.84 (as at 20 Oct 2026) | S$654.20 more | 9 | Etiqa |
| The same driver with 20% NCD | S$1,123.28 (as at 20 Oct 2026) | S$379.64 more | 9 | Etiqa |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,373.35 (as at 20 Oct 2026) | S$629.71 more | 9 | FWD |
| Driver aged 65, 20 years’ driving, 50% NCD | S$823.96 (as at 20 Oct 2026) | S$80.32 more | 8 | MS First Capital |
| A new car (registered this year) | S$709.83 (as at 20 Oct 2026) | S$33.81 less | 9 | Etiqa |
| A car 8 years old | S$710.76 (as at 20 Oct 2026) | S$32.88 less | 9 | MS First Capital |

## The Volkswagen Sharan on our quote form

We priced the Volkswagen Sharan 1.4 TSI (1,400cc), the version most of our insurers quote.

Versions on the form:

- [Volkswagen Sharan 1.4 TSI](https://shentonbrokers.com/quote/car?brand=volkswagen&model=volkswagen-sharan-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) (1,400cc)
- [Volkswagen Sharan 2.0](https://shentonbrokers.com/quote/car?brand=volkswagen&model=volkswagen-sharan-2-0&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)

## Insurers with no online price for the Volkswagen Sharan

- AIG: This insurer has no online price for this car model yet.
- Allianz: This insurer has no online price for this car model yet.
- Budget Direct: This insurer has no online price for this car model yet.
- DirectAsia: This insurer has no online price for this car model yet.
- ECICS: ECICS does not list this model on its online quote.
- India International: This insurer has no online price for this car model yet.
- Liberty: 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 Volkswagen Sharan 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 Volkswagen Sharan

With a 1,400cc engine, the Volkswagen Sharan 1.4 TSI 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=volkswagen&model=volkswagen-sharan-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

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-sharan