# Car insurance: Volvo V50 1.6 D2, 3 years old, 50% no-claim discount

Indicative premiums from Shenton Insurance Brokers. As of 29 Oct 2026 (Singapore time).

## Assumptions

- Volvo V50 1.6 D2
- 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$820.33 | S$1,200.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,019.83 | S$600.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$1,063.32 | S$600.00 | 20 Oct 2026 |
| MS First Capital | Comprehensive | S$1,174.79 | S$500.00 | 20 Oct 2026 |
| ERGO | SMART Comprehensive | S$1,223.55 | S$500.00 | 23 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,427.65 | S$3,000.00 | 22 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,625.41 | S$500.00 | 23 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 V50 in short

For the driver above, HL Assurance is cheapest for the Volvo V50 today, at S$820.33 for its Car Protect360 Comprehensive plan. 6 insurers price it; the dearest of them, QBE, asks at least S$1,427.65, S$607.32 (74% more) on top, so comparing pays. Of the changes below, the one that costs most is "driver aged 27, 3 years’ driving, 30% NCD": the lowest price rises to S$2,026.29, 147% more. Against 6 similar cars (below) it costs 21% more than their average lowest price of S$680.10; 6 of them are cheaper to insure.

## How the Volvo V50 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$820.33 (as at 20 Oct 2026) |  | 6 | HL Assurance |
| The same driver with no NCD (0%) | S$1,886.77 (as at 20 Oct 2026) | S$1,066.44 more | 6 | HL Assurance |
| The same driver with 20% NCD | S$1,378.16 (as at 20 Oct 2026) | S$557.83 more | 6 | HL Assurance |
| Driver aged 27, 3 years’ driving, 30% NCD | S$2,026.29 (as at 20 Oct 2026) | S$1,205.96 more | 6 | Great Eastern |
| Driver aged 65, 20 years’ driving, 50% NCD | S$1,107.78 (as at 20 Oct 2026) | S$287.45 more | 5 | Great Eastern |
| A new car (registered this year) | S$872.69 (as at 20 Oct 2026) | S$52.36 more | 6 | HL Assurance |
| A car 8 years old | S$802.87 (as at 20 Oct 2026) | S$17.46 less | 6 | HL Assurance |

## The Volvo V50 on our quote form

We priced the Volvo V50 1.6 D2 (1,560cc), the version most of our insurers quote.

Versions on the form:

- [Volvo V50 1.6 D2](https://shentonbrokers.com/quote/car?brand=volvo&model=volvo-v50-1-6-d2&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-29&demeritFree=yes&claims=no&dob=1986-10-29&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised) (1,560cc)
- [Volvo V50 2.0 (A)](https://shentonbrokers.com/quote/car?brand=volvo&model=volvo-v50-2-0-a&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-29&demeritFree=yes&claims=no&dob=1986-10-29&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised) (1,999cc)
- [Volvo V50 2.4](https://shentonbrokers.com/quote/car?brand=volvo&model=volvo-v50-2-4&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-29&demeritFree=yes&claims=no&dob=1986-10-29&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised) (2,435cc)

## Insurers with no online price for the Volvo V50

- 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.
- 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.
- Liberty: This insurer has no online price for this car model yet.
- MSIG: This insurer has no online price for this car model yet.
- Singlife: This insurer has no online price for this car model yet.
- UOI: This insurer has no online price for this car model yet.

## The Volvo V50 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 Volvo V50

With a 1,560cc engine, the Volvo V50 1.6 D2 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=volvo&model=volvo-v50-1-6-d2&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-29&demeritFree=yes&claims=no&dob=1986-10-29&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-v50