Hi Wei Kiat! Insurance premiums are based on risk, so, ultimately, it all depends on your personal profile and the car you drive. How much risk will the insurer take on if it agrees to cover your future expenses?

The insurer will decide how much to charge you by looking at a host of factors, such as your age, driving experience, claims history, car make and model, your occupation, and even your marital status.

Don't be too offended if you get quoted a remarkably high premium. This can happen sometimes due to statistics associated with your car or profile, no matter how good a driver you are. Insurers measure risk differently, so take the opportunity to shop around for more quotes.