# Car insurance: Volvo S90, 3 years old, 50% no-claim discount

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

## Assumptions

- Volvo S90
- 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 |
| --- | --- | --- | --- | --- |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$1,071.25 | S$600.00 | 20 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,144.12 | S$500.00 | 18 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,364.67 | S$600.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,391.98 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,442.45 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$2,008.35 (estimate) | S$800.00 | 21 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$2,342.65 | S$1,200.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$2,387.90 (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 S90 in short

For the driver above, Sompo is cheapest for the Volvo S90 today, at S$1,071.25 for its Comprehensive Cover – Authorised Workshop Plan plan. 6 insurers price it; the dearest of them, Liberty, asks at least S$2,387.90, S$1,316.65 (123% 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$1,391.98, 30% more.

## How the Volvo S90 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$1,071.25 (as at 20 Oct 2026) |  | 6 | Sompo |
| The same driver with no NCD (0%) | S$1,391.98 (as at 21 Oct 2026) | S$320.73 more | 6 | DirectAsia |
| The same driver with 20% NCD | S$1,391.98 (as at 21 Oct 2026) | S$320.73 more | 6 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,391.98 (as at 21 Oct 2026) | S$320.73 more | 6 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$1,170.66 (as at 20 Oct 2026) | S$99.41 more | 5 | Sompo |
| A new car (registered this year) | S$1,103.48 (as at 20 Oct 2026) | S$32.23 more | 5 | Sompo |
| A car 8 years old | S$1,019.66 (as at 20 Oct 2026) | S$51.59 less | 6 | Sompo |

## The Volvo S90 on our quote form

We priced the Volvo S90 (2,922cc), the version most of our insurers quote.

Versions on the form:

- [Volvo S90](https://shentonbrokers.com/quote/car?brand=volvo&model=volvo-s90&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) (2,922cc)
- [Volvo S90 B5 I](https://shentonbrokers.com/quote/car?brand=volvo&model=volvo-s90-b5-i&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) (1,969cc)
- [Volvo S90 T5 Momentum](https://shentonbrokers.com/quote/car?brand=volvo&model=volvo-s90-t5-momentum&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) (1,969cc)
- [Volvo S90 T6 Inscription](https://shentonbrokers.com/quote/car?brand=volvo&model=volvo-s90-t6-inscription&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) (1,969cc)

## Insurers with no online price for the Volvo S90

- 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.
- ECICS: ECICS does not list this model on its online quote.
- ERGO: This insurer has no online price for this car model yet.
- Etiqa: This insurer has no online price for this car model yet.
- FWD: This insurer has no online price for this car model yet.
- Income: This insurer has no online price for this car model yet.
- India International: This insurer has no online price for this car model yet.
- MS First Capital: 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 S90 against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Toyota Camry](https://shentonbrokers.com/prices/car/toyota-camry) | 2,487cc | S$841.31 (as at 20 Oct 2026) | 17 |
| [Toyota Alphard](https://shentonbrokers.com/prices/car/toyota-alphard) | 2,493cc | S$764.82 (as at 20 Oct 2026) | 17 |
| [Audi Q7](https://shentonbrokers.com/prices/car/audi-q7) | 2,995cc | No online price | 0 |
| [Audi S4 Saloon](https://shentonbrokers.com/prices/car/audi-s4-saloon) | 2,995cc | No online price | 0 |
| [Audi S5](https://shentonbrokers.com/prices/car/audi-s5) | 2,995cc | No online price | 0 |
| [Audi S5 SPRTback](https://shentonbrokers.com/prices/car/audi-s5-sprtback) | 2,995cc | No online price | 0 |

## COE for the Volvo S90

With a 2,922cc engine, above 1,600cc, the Volvo S90 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-s90&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-s90