# Car insurance: Volvo S40 1.8, 3 years old, 50% no-claim discount

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

## Assumptions

- Volvo S40 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 |
| --- | --- | --- | --- | --- |
| HL Assurance | Car Protect360 Comprehensive | S$844.94 | S$1,200.00 | 20 Oct 2026 |
| India International | Comprehensive (any workshop or authorised workshops) | S$861.03 | S$600.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$926.81 | S$600.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$981.70 | S$600.00 | 20 Oct 2026 |
| ECICS | Comprehensive | S$1,063.79 | S$750.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,093.14 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,132.79 (estimate) | S$800.00 | 21 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,144.12 | S$500.00 | 18 Oct 2026 |
| MS First Capital | Comprehensive | S$1,246.31 | S$500.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$1,306.15 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$1,306.15 | S$600.00 | 20 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,413.80 | S$750.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,577.19 (estimate) | S$800.00 | 21 Oct 2026 |
| FWD | Drivo Premium | S$1,697.99 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,697.99 | S$600.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,706.38 (estimate) | S$600.00 | 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 Volvo S40 in short

For the driver above, HL Assurance is cheapest for the Volvo S40 today, at S$844.94 for its Car Protect360 Comprehensive plan. 11 insurers price it; the dearest of them, Liberty, asks at least S$1,706.38, S$861.44 (102% 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$1,093.14, 29% more. Against 6 similar cars (below) it costs 14% more than their average lowest price of S$741.89; 4 of them are cheaper to insure.

## How the Volvo S40 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$844.94 (as at 20 Oct 2026) |  | 11 | HL Assurance |
| The same driver with no NCD (0%) | S$1,093.14 (as at 21 Oct 2026) | S$248.20 more | 11 | DirectAsia |
| The same driver with 20% NCD | S$1,093.14 (as at 21 Oct 2026) | S$248.20 more | 11 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,093.14 (as at 21 Oct 2026) | S$248.20 more | 11 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$861.03 (as at 20 Oct 2026) | S$16.09 more | 10 | India International |
| A new car (registered this year) | S$886.61 (as at 20 Oct 2026) | S$41.67 more | 10 | India International |
| A car 8 years old | S$787.96 (as at 20 Oct 2026) | S$56.98 less | 11 | India International |

## The Volvo S40 on our quote form

We priced the Volvo S40 1.8 (1,798cc), the version most of our insurers quote.

Versions on the form:

- [Volvo S40 1.8](https://shentonbrokers.com/quote/car?brand=volvo&model=volvo-s40-1-8&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)
- [Volvo S40 2.0](https://shentonbrokers.com/quote/car?brand=volvo&model=volvo-s40-2-0&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) (1,999cc)
- [Volvo S40 2.4](https://shentonbrokers.com/quote/car?brand=volvo&model=volvo-s40-2-4&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) (2,435cc)
- [Volvo S40 2.5 T5](https://shentonbrokers.com/quote/car?brand=volvo&model=volvo-s40-2-5-t5&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) (2,521cc)

## Insurers with no online price for the Volvo S40

- 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.
- ERGO: This insurer has no online price for this car model yet.
- Etiqa: 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 Volvo S40 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 Volvo S40

With a 1,798cc engine, above 1,600cc, the Volvo S40 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=volvo&model=volvo-s40-1-8&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/volvo-s40