Compare Car Insurance

Car insurance is the second-largest recurring cost of vehicle ownership after your loan repayment. With annual premiums ranging from under a thousand to well over three thousand dollars, the difference between providers can add up to thousands over a typical 10-year COE cycle. Comparing quotes across insurers — and understanding whether you need comprehensive, third-party fire and theft, or third-party only coverage — is essential to keeping your total cost of ownership in check. Use the total cost calculator to see how insurance fits into the bigger picture.

Beyond headline premiums, pay attention to your excess amount, workshop panel (authorised vs independent), and No-Claim Discount trajectory. A lower premium with a high excess may cost more in the long run if you need to make a claim. Similarly, preserving your NCD by absorbing minor repair costs yourself is a common strategy that pays off over multiple policy years. The right balance between coverage and cost depends on your vehicle's age, value, and how you drive.