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Personal accident insurance
Personal accident insurance for couples: prices compared
You and your spouse, S$50,000 cover
As of 28 Oct 2026 (Singapore time)
21 insurers price this, from S$135.25 to S$2,402.36 (as at 8 Oct 2026).
What we assumed
- Two adults aged 18 to 59, both accountants
- S$50,000 sum insured
Example prices
| Insurer | Plan | Premium | Excess | As at |
|---|---|---|---|---|
| HL AssuranceFamily Protect360 Bronze, Family (me and my spouse; S$50,000 an adult; priced as the Family plan) | Family Protect360 Bronze, Family (me and my spouse; S$50,000 an adult; priced as the Family plan) | S$0.00 | 8 Oct 2026 | |
| Tokio MarineTM 365 Personal Accident Plan A (S$50,000), me and my spouse | TM 365 Personal Accident Plan A (S$50,000), me and my spouse | S$166.77estimate | S$0.00 | 19 Oct 2026 |
| India Internationali-Aid Basic, me and my spouse (S$50,000 each adult) | i-Aid Basic, me and my spouse (S$50,000 each adult) | S$174.40 | S$0.00 | 10 Oct 2026 |
| SompoPA Ease Plan 1, me and my spouse (S$50,000 each adult) | PA Ease Plan 1, me and my spouse (S$50,000 each adult) | S$191.84 | S$0.00 | 9 Oct 2026 |
| HSBC LifeHSBC Life Band Aid Package 1 (S$100,000), basic plan, me and my spouse (one policy each) | HSBC Life Band Aid Package 1 (S$100,000), basic plan, me and my spouse (one policy each) | S$204.92estimate | S$0.00 | 19 Oct 2026 |
| EQ InsuranceEQ Personal Accident, death and permanent disablement (S$50,000 each), me and my spouse (one policy each) | EQ Personal Accident, death and permanent disablement (S$50,000 each), me and my spouse (one policy each) | S$218.00 | S$0.00 | 5 Oct 2026 |
| EQ InsuranceEQ Personal Accident with medical expenses (S$50,000 each), me and my spouse (one policy each) | EQ Personal Accident with medical expenses (S$50,000 each), me and my spouse (one policy each) | S$218.00 | S$0.00 | 5 Oct 2026 |
| EQ InsuranceEQ Personal Accident with medical expenses and income (S$50,000 each), me and my spouse (one policy each) | EQ Personal Accident with medical expenses and income (S$50,000 each), me and my spouse (one policy each) | S$218.00 | S$0.00 | 5 Oct 2026 |
| MSIGProtectionPlus Silver, me and my spouse (S$100,000 each adult) | ProtectionPlus Silver, me and my spouse (S$100,000 each adult) | S$238.17 | S$0.00 | 19 Oct 2026 |
| Great AmericanGreat Personal Accident Insurance Classic (S$100,000) Basic, me and my spouse | Great Personal Accident Insurance Classic (S$100,000) Basic, me and my spouse | S$250.85estimate | S$0.00 | 17 Oct 2026 |
| Tokio MarineTM 365 Personal Accident Plan B (S$100,000), me and my spouse | TM 365 Personal Accident Plan B (S$100,000), me and my spouse | S$255.06estimate | S$0.00 | 19 Oct 2026 |
| UOIUniPA Value, me and my spouse (S$100,000 each adult) | UniPA Value, me and my spouse (S$100,000 each adult) | S$266.83 | S$0.00 | 11 Oct 2026 |
| ERGOERGO AccidentProtect Basic (S$100,000), Core Cover, me and my spouse (each adult on their own class) | ERGO AccidentProtect Basic (S$100,000), Core Cover, me and my spouse (each adult on their own class) | S$270.00 | S$0.00 | 19 Oct 2026 |
| LibertyPACare Plus Enhanced Essential, me and my spouse (S$50,000 each adult) | PACare Plus Enhanced Essential, me and my spouse (S$50,000 each adult) | S$285.58 | S$0.00 | 9 Oct 2026 |
| AllianzAccident Protect Plus Silver, me and my spouse (S$100,000 each adult; 15% off the whole premium) | Accident Protect Plus Silver, me and my spouse (S$100,000 each adult; 15% off the whole premium) | S$290.94 | S$0.00 | 19 Oct 2026 |
| HL AssuranceFamily Protect360 Silver, Family (me and my spouse; S$100,000 an adult; priced as the Family plan) | Family Protect360 Silver, Family (me and my spouse; S$100,000 an adult; priced as the Family plan) | S$0.00 | 8 Oct 2026 | |
| EtiqaTiq Personal Accident Enhanced Silver, Me and my spouse (S$125,000 each adult) | Tiq Personal Accident Enhanced Silver, Me and my spouse (S$125,000 each adult) | S$0.00 | 15 Oct 2026 | |
| SompoPA Ease Plan 2, me and my spouse (S$100,000 each adult) | PA Ease Plan 2, me and my spouse (S$100,000 each adult) | S$309.56 | S$0.00 | 9 Oct 2026 |
| India Internationali-Aid Standard, me and my spouse (S$100,000 each adult) | i-Aid Standard, me and my spouse (S$100,000 each adult) | S$316.10 | S$0.00 | 10 Oct 2026 |
| Great EasternPA Supreme Plan A, me and my spouse (S$100,000 each adult, each on their own class) | PA Supreme Plan A, me and my spouse (S$100,000 each adult, each on their own class) | S$322.64 | S$0.00 | 17 Oct 2026 |
| LonpacPersonal CarePlus Basic, me and my spouse (S$100,000 each adult; spouse 10% off) | Personal CarePlus Basic, me and my spouse (S$100,000 each adult; spouse 10% off) | S$325.28 | S$0.00 | 11 Oct 2026 |
| Great AmericanGreat Personal Accident Insurance Classic (S$100,000) with Enhanced Benefits, me and my spouse | Great Personal Accident Insurance Classic (S$100,000) with Enhanced Benefits, me and my spouse | S$337.22estimate | S$0.00 | 17 Oct 2026 |
| ERGOERGO AccidentProtect Basic (S$100,000), Core Cover + Add-on Cover 1, me and my spouse (each adult on their own class) | ERGO AccidentProtect Basic (S$100,000), Core Cover + Add-on Cover 1, me and my spouse (each adult on their own class) | S$342.00 | S$0.00 | 19 Oct 2026 |
| MSIGPA RecoveryPlus Silver, me and my spouse (S$100,000 each adult) | PA RecoveryPlus Silver, me and my spouse (S$100,000 each adult) | S$0.00 | 19 Oct 2026 | |
| AIGSapphire Enhanced Choices Standard, Basic package, me and my spouse (S$100,000 each adult) | Sapphire Enhanced Choices Standard, Basic package, me and my spouse (S$100,000 each adult) | S$346.62 | S$0.00 | 12 Oct 2026 |
| SompoPAStar Deluxe, me and my spouse (S$100,000 each adult) | PAStar Deluxe, me and my spouse (S$100,000 each adult) | S$392.40 | S$0.00 | 9 Oct 2026 |
| HSBC LifeHSBC Life Band Aid Package 1 (S$100,000) with all 6 optional benefits, me and my spouse (one policy each) | HSBC Life Band Aid Package 1 (S$100,000) with all 6 optional benefits, me and my spouse (one policy each) | S$395.56estimate | S$0.00 | 19 Oct 2026 |
| MSIGProtectionPlus Gold, me and my spouse (S$150,000 each adult) | ProtectionPlus Gold, me and my spouse (S$150,000 each adult) | S$403.85 | S$0.00 | 19 Oct 2026 |
| China TaipingEconomy, me and my spouse (Family plan: S$100,000 for you, S$50,000 spouse) | Economy, me and my spouse (Family plan: S$100,000 for you, S$50,000 spouse) | S$407.66 | S$0.00 | 19 Oct 2026 |
| HSBC LifeHSBC Life Band Aid Package 2 (S$200,000), basic plan, me and my spouse (one policy each) | HSBC Life Band Aid Package 2 (S$200,000), basic plan, me and my spouse (one policy each) | S$409.84estimate | S$0.00 | 19 Oct 2026 |
| MSIGPA PrimePlus (Series II) Silver, me and my spouse (S$500,000; spouse S$250,000) | PA PrimePlus (Series II) Silver, me and my spouse (S$500,000; spouse S$250,000) | S$0.00 | 19 Oct 2026 | |
| UOIUniPA Plus, me and my spouse (S$200,000 each adult) | UniPA Plus, me and my spouse (S$200,000 each adult) | S$437.53 | S$0.00 | 11 Oct 2026 |
| LibertyPACare Plus Enhanced Economy, me and my spouse (S$100,000 each adult) | PACare Plus Enhanced Economy, me and my spouse (S$100,000 each adult) | S$445.81 | S$0.00 | 9 Oct 2026 |
| QBEPA Prestige Plan A, me and my spouse (S$100,000 each adult) | PA Prestige Plan A, me and my spouse (S$100,000 each adult) | S$446.90 | S$0.00 | 11 Oct 2026 |
| Great AmericanGreat Personal Accident Insurance Elite (S$200,000) Basic, me and my spouse | Great Personal Accident Insurance Elite (S$200,000) Basic, me and my spouse | S$448.27estimate | S$0.00 | 17 Oct 2026 |
| Tokio MarineTM 365 Personal Accident Plan C (S$200,000), me and my spouse | TM 365 Personal Accident Plan C (S$200,000), me and my spouse | S$451.26estimate | S$0.00 | 19 Oct 2026 |
| AIGSapphire Enhanced Choices Standard, Comprehensive package, me and my spouse (S$100,000 each adult) | Sapphire Enhanced Choices Standard, Comprehensive package, me and my spouse (S$100,000 each adult) | S$453.44 | S$0.00 | 12 Oct 2026 |
| ChubbDBS MultiGen Protect Classic, me and my spouse (S$100,000 each adult; 10% multi-member discount) | DBS MultiGen Protect Classic, me and my spouse (S$100,000 each adult; 10% multi-member discount) | S$453.49 | S$0.00 | 20 Oct 2026 |
| IncomePA Assurance Basic, me and my spouse (S$100,000 each) | PA Assurance Basic, me and my spouse (S$100,000 each) | S$466.52 | S$0.00 | 16 Oct 2026 |
| India Internationali-Aid Enhanced, me and my spouse (S$200,000 each adult) | i-Aid Enhanced, me and my spouse (S$200,000 each adult) | S$479.60 | S$0.00 | 10 Oct 2026 |
| EtiqaTiq Personal Accident Enhanced Gold, Me and my spouse (S$300,000 each adult) | Tiq Personal Accident Enhanced Gold, Me and my spouse (S$300,000 each adult) | S$0.00 | 15 Oct 2026 | |
| IncomePA Assurance Basic with infectious disease cover, me and my spouse (S$100,000 each) | PA Assurance Basic with infectious disease cover, me and my spouse (S$100,000 each) | S$510.12 | S$0.00 | 16 Oct 2026 |
| SinglifePersonal Accident Lite, me and my spouse (S$100,000 each adult) | Personal Accident Lite, me and my spouse (S$100,000 each adult) | S$513.43 | S$0.00 | 5 Oct 2026 |
| SompoPA Ease Plan 3, me and my spouse (S$150,000 each adult) | PA Ease Plan 3, me and my spouse (S$150,000 each adult) | S$531.92 | S$0.00 | 9 Oct 2026 |
| Great EasternPA Supreme Plan B, me and my spouse (S$200,000 each adult, each on their own class) | PA Supreme Plan B, me and my spouse (S$200,000 each adult, each on their own class) | S$566.80 | S$0.00 | 17 Oct 2026 |
| LonpacPersonal CarePlus Standard, me and my spouse (S$200,000 each adult; spouse 10% off) | Personal CarePlus Standard, me and my spouse (S$200,000 each adult; spouse 10% off) | S$576.84 | S$0.00 | 11 Oct 2026 |
| Great AmericanGreat Personal Accident Insurance Elite (S$200,000) with Enhanced Benefits, me and my spouse | Great Personal Accident Insurance Elite (S$200,000) with Enhanced Benefits, me and my spouse | S$604.54estimate | S$0.00 | 17 Oct 2026 |
| AIGSapphire Enhanced Choices Preferred, Basic package, me and my spouse (S$200,000 each adult) | Sapphire Enhanced Choices Preferred, Basic package, me and my spouse (S$200,000 each adult) | S$610.40 | S$0.00 | 12 Oct 2026 |
| MSIGPA RecoveryPlus Gold, me and my spouse (S$200,000 each adult) | PA RecoveryPlus Gold, me and my spouse (S$200,000 each adult) | S$0.00 | 19 Oct 2026 | |
| SompoPAStar Elite, me and my spouse (S$200,000 each adult) | PAStar Elite, me and my spouse (S$200,000 each adult) | S$632.20 | S$0.00 | 9 Oct 2026 |
| China TaipingExecutive, me and my spouse (Family plan: S$200,000 for you, S$100,000 spouse) | Executive, me and my spouse (Family plan: S$200,000 for you, S$100,000 spouse) | S$636.56 | S$0.00 | 19 Oct 2026 |
| AllianzAccident Protect Plus Gold, me and my spouse (S$250,000 each adult; 15% off the whole premium) | Accident Protect Plus Gold, me and my spouse (S$250,000 each adult; 15% off the whole premium) | S$644.21 | S$0.00 | 19 Oct 2026 |
| Tokio MarineTM 365 Personal Accident Plan D (S$300,000), me and my spouse | TM 365 Personal Accident Plan D (S$300,000), me and my spouse | S$647.46estimate | S$0.00 | 19 Oct 2026 |
| ChubbDBS MultiGen Protect Premier, me and my spouse (S$150,000 each adult; 10% multi-member discount) | DBS MultiGen Protect Premier, me and my spouse (S$150,000 each adult; 10% multi-member discount) | S$651.53 | S$0.00 | 20 Oct 2026 |
| Great AmericanGreat Personal Accident Insurance Ultimate (S$300,000) Basic, me and my spouse | Great Personal Accident Insurance Ultimate (S$300,000) Basic, me and my spouse | S$666.21estimate | S$0.00 | 17 Oct 2026 |
| MSIGProtectionPlus Platinum, me and my spouse (S$250,000 each adult) | ProtectionPlus Platinum, me and my spouse (S$250,000 each adult) | S$673.08 | S$0.00 | 19 Oct 2026 |
| QBEPA Prestige Plan B, me and my spouse (S$200,000 each adult) | PA Prestige Plan B, me and my spouse (S$200,000 each adult) | S$675.80 | S$0.00 | 11 Oct 2026 |
| India Internationali-Aid Premium, me and my spouse (S$300,000 each adult) | i-Aid Premium, me and my spouse (S$300,000 each adult) | S$697.60 | S$0.00 | 10 Oct 2026 |
| HSBC LifeHSBC Life Band Aid Package 2 (S$200,000) with all 6 optional benefits, me and my spouse (one policy each) | HSBC Life Band Aid Package 2 (S$200,000) with all 6 optional benefits, me and my spouse (one policy each) | S$714.72estimate | S$0.00 | 19 Oct 2026 |
| IncomePA Assurance Classic, me and my spouse (S$200,000 each) | PA Assurance Classic, me and my spouse (S$200,000 each) | S$723.76 | S$0.00 | 16 Oct 2026 |
| LibertyPACare Plus Enhanced Executive, me and my spouse (S$200,000 each adult) | PACare Plus Enhanced Executive, me and my spouse (S$200,000 each adult) | S$758.64 | S$0.00 | 9 Oct 2026 |
| SinglifePersonal Accident Standard, me and my spouse (S$200,000 each adult) | Personal Accident Standard, me and my spouse (S$200,000 each adult) | S$762.46 | S$0.00 | 5 Oct 2026 |
| AIGSapphire Enhanced Choices Preferred, Comprehensive package, me and my spouse (S$200,000 each adult) | Sapphire Enhanced Choices Preferred, Comprehensive package, me and my spouse (S$200,000 each adult) | S$763.00 | S$0.00 | 12 Oct 2026 |
| MSIGPA PrimePlus (Series II) Gold, me and my spouse (S$1,000,000; spouse S$500,000) | PA PrimePlus (Series II) Gold, me and my spouse (S$1,000,000; spouse S$500,000) | S$0.00 | 19 Oct 2026 | |
| Great EasternPA Supreme Plan C, me and my spouse (S$300,000 each adult, each on their own class) | PA Supreme Plan C, me and my spouse (S$300,000 each adult, each on their own class) | S$786.98 | S$0.00 | 17 Oct 2026 |
| AIGSapphire Enhanced Choices Deluxe, Basic package, me and my spouse (S$300,000 each adult) | Sapphire Enhanced Choices Deluxe, Basic package, me and my spouse (S$300,000 each adult) | S$791.34 | S$0.00 | 12 Oct 2026 |
| China TaipingPlatinum, me and my spouse (Family plan: S$300,000 for you, S$150,000 spouse) | Platinum, me and my spouse (Family plan: S$300,000 for you, S$150,000 spouse) | S$810.96 | S$0.00 | 19 Oct 2026 |
| MSIGPA RecoveryPlus Platinum, me and my spouse (S$300,000 each adult) | PA RecoveryPlus Platinum, me and my spouse (S$300,000 each adult) | S$0.00 | 19 Oct 2026 | |
| IncomePA Assurance Classic with infectious disease cover, me and my spouse (S$200,000 each) | PA Assurance Classic with infectious disease cover, me and my spouse (S$200,000 each) | S$819.68 | S$0.00 | 16 Oct 2026 |
| LonpacPersonal CarePlus Premier, me and my spouse (S$300,000 each adult; spouse 10% off) | Personal CarePlus Premier, me and my spouse (S$300,000 each adult; spouse 10% off) | S$829.32 | S$0.00 | 11 Oct 2026 |
| EtiqaTiq Personal Accident Enhanced Platinum, Me and my spouse (S$500,000 each adult) | Tiq Personal Accident Enhanced Platinum, Me and my spouse (S$500,000 each adult) | S$0.00 | 15 Oct 2026 | |
| Great AmericanGreat Personal Accident Insurance Ultimate (S$300,000) with Enhanced Benefits, me and my spouse | Great Personal Accident Insurance Ultimate (S$300,000) with Enhanced Benefits, me and my spouse | S$898.57estimate | S$0.00 | 17 Oct 2026 |
| China TaipingTitanium, me and my spouse (Family plan: S$500,000 for you, S$250,000 spouse) | Titanium, me and my spouse (Family plan: S$500,000 for you, S$250,000 spouse) | S$941.76 | S$0.00 | 19 Oct 2026 |
| IncomePA Assurance Superior, me and my spouse (S$300,000 each) | PA Assurance Superior, me and my spouse (S$300,000 each) | S$959.20 | S$0.00 | 16 Oct 2026 |
| AIGSapphire Enhanced Choices Deluxe, Comprehensive package, me and my spouse (S$300,000 each adult) | Sapphire Enhanced Choices Deluxe, Comprehensive package, me and my spouse (S$300,000 each adult) | S$987.54 | S$0.00 | 12 Oct 2026 |
| HSBC LifeHSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my spouse (one policy each) | HSBC Life Band Aid Package 3 (S$500,000), basic plan, me and my spouse (one policy each) | S$1,024.60estimate | S$0.00 | 19 Oct 2026 |
| HL AssuranceFamily Protect360 Premier, Family (me and my spouse; S$250,000 an adult; priced as the Family plan) | Family Protect360 Premier, Family (me and my spouse; S$250,000 an adult; priced as the Family plan) | S$0.00 | 8 Oct 2026 | |
| UOIUniPA Pro, me and my spouse (S$500,000 each adult) | UniPA Pro, me and my spouse (S$500,000 each adult) | S$1,045.53 | S$0.00 | 11 Oct 2026 |
| LibertyPACare Plus Enhanced Elite, me and my spouse (S$300,000 each adult) | PACare Plus Enhanced Elite, me and my spouse (S$300,000 each adult) | S$1,064.93 | S$0.00 | 9 Oct 2026 |
| IncomePA Assurance Superior with infectious disease cover, me and my spouse (S$300,000 each) | PA Assurance Superior with infectious disease cover, me and my spouse (S$300,000 each) | S$1,105.26 | S$0.00 | 16 Oct 2026 |
| SinglifePersonal Accident Plus, me and my spouse (S$300,000 each adult) | Personal Accident Plus, me and my spouse (S$300,000 each adult) | S$1,147.14 | S$0.00 | 5 Oct 2026 |
| AIGSapphire Enhanced Choices Prestige, Basic package, me and my spouse (S$500,000 each adult) | Sapphire Enhanced Choices Prestige, Basic package, me and my spouse (S$500,000 each adult) | S$1,155.40 | S$0.00 | 12 Oct 2026 |
| AllianzAccident Protect Plus Platinum, me and my spouse (S$500,000 each adult; 15% off the whole premium) | Accident Protect Plus Platinum, me and my spouse (S$500,000 each adult; 15% off the whole premium) | S$1,205.32 | S$0.00 | 19 Oct 2026 |
| Great EasternPA Supreme Plan D, me and my spouse (S$500,000 each adult, each on their own class) | PA Supreme Plan D, me and my spouse (S$500,000 each adult, each on their own class) | S$1,212.08 | S$0.00 | 17 Oct 2026 |
| QBEPA Prestige Plan C, me and my spouse (S$500,000 each adult) | PA Prestige Plan C, me and my spouse (S$500,000 each adult) | S$1,286.20 | S$0.00 | 11 Oct 2026 |
| SompoPAStar Elite Plus, me and my spouse (S$500,000 each adult) | PAStar Elite Plus, me and my spouse (S$500,000 each adult) | S$1,440.98 | S$0.00 | 9 Oct 2026 |
| HL AssuranceFamily Protect360 Platinum, Family (me and my spouse; S$350,000 an adult; priced as the Family plan) | Family Protect360 Platinum, Family (me and my spouse; S$350,000 an adult; priced as the Family plan) | S$0.00 | 8 Oct 2026 | |
| AIGSapphire Enhanced Choices Prestige, Comprehensive package, me and my spouse (S$500,000 each adult) | Sapphire Enhanced Choices Prestige, Comprehensive package, me and my spouse (S$500,000 each adult) | S$1,543.44 | S$0.00 | 12 Oct 2026 |
| LibertyPACare Plus Enhanced Exclusive, me and my spouse (S$500,000 each adult) | PACare Plus Enhanced Exclusive, me and my spouse (S$500,000 each adult) | S$1,596.85 | S$0.00 | 9 Oct 2026 |
| IncomePA Assurance Premium, me and my spouse (S$500,000 each) | PA Assurance Premium, me and my spouse (S$500,000 each) | S$1,635.00 | S$0.00 | 16 Oct 2026 |
| IncomePA Assurance Premium with infectious disease cover, me and my spouse (S$500,000 each) | PA Assurance Premium with infectious disease cover, me and my spouse (S$500,000 each) | S$1,883.52 | S$0.00 | 16 Oct 2026 |
| QBEPA Prestige Plan D, me and my spouse (S$1,000,000 each adult) | PA Prestige Plan D, me and my spouse (S$1,000,000 each adult) | S$1,940.20 | S$0.00 | 11 Oct 2026 |
| IncomePA Assurance Prestige, me and my spouse (S$1,000,000 each) | PA Assurance Prestige, me and my spouse (S$1,000,000 each) | S$2,090.62 | S$0.00 | 16 Oct 2026 |
| HSBC LifeHSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits, me and my spouse (one policy each) | HSBC Life Band Aid Package 3 (S$500,000) with all 6 optional benefits, me and my spouse (one policy each) | S$2,099.12estimate | S$0.00 | 19 Oct 2026 |
| IncomePA Assurance Prestige with infectious disease cover, me and my spouse (S$1,000,000 each) | PA Assurance Prestige with infectious disease cover, me and my spouse (S$1,000,000 each) | S$2,402.36 | S$0.00 | 16 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.
Open the quote form with these answers filled in, then change anything that is different for you.
Get your own quoteYou finish buying on the insurer's own site. The insurer takes payment and issues the policy. This page is also available as markdown.
Questions people ask
How much is personal accident insurance for you and your spouse, S$50,000 cover?
Today, 21 insurers price this, from S$135.25 to S$2,402.36 (as at 8 Oct 2026). The cheapest is HL Assurance Family Protect360 Bronze, Family (me and my spouse; S$50,000 an adult; priced as the Family plan) at S$135.25 (as at 8 Oct 2026). All prices include 9% GST.
What do these prices assume?
Two adults aged 18 to 59, both accountants. S$50,000 sum insured.
Will my own price be the same?
Not always. These are example prices for the assumptions on this page, and your own price depends on your answers. The quote form opens with these answers filled in, so you can change anything that is different for you.