Motorcycle Insurance >
Cover Types

Choose the Right Level of Cover

You can choose from 3 cover types

The first step in customising your motorcycle insurance policy is choosing your base cover type that provides the right motorcycle insurance for your needs:

  • Third Party Only (TPO) - If you only want the bare minimum bike insurance required to ride in Singapore. TPO protects you from liabilities against third-party claims only. With TPO you're responsible for covering repairs to your bike and are not covered from fire, theft, vandalism, and if you lay your bike down on your own. 
  • Third Party Fire and Theft (TPFT) - Get the cover of TPO plus additional protection in case your bike is stolen or damaged in a fire.With TPFT you also get to add on optional benefits to further improve your level of cover. 
  • Full Comprehensive - If you love your bike, comprehensive is the best way to protect it. In addition to the above two plans you get protection from your own crashes, natural disasters, vandalism and towing following an accident. This plan also gives you the option to add on optional benefits for the greatest protection for your motorcycle.
 
 

Third Party Only

Plan Protects Against:  Injury to someone else in an accident  Damage to someone's property in an accident  Legal expenses following accident You Customise With: No Optional Benefits Available
 

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Comprehensive

Plan Protects Against:  Injury to someone else in an accident  Damage to someone's property in an accident  Legal expenses following accident  Damage to your motorcycle caused by fire  If your motorcycle is stolen  If you crash into something besides a vehicle  If there is non-crash damage to your motorcycle  Damage from flood or natural disasters You Customise With: 3 Optional Benefits
 

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Third party fire & Theft

Plan Protects Against:  Injury to someone else in an accident  Damage to someone's property in an accident  Legal expenses following accident  Damage to your motorcycle caused by fire  If your motorcycle is stolen You Customise With: 3 Optional Benefits
 

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The policyholder is the registered owner of the vehicle – we cannot insure you if you are not the owner of the vehicle.

The main driver is the person that uses the motorcycle most frequently – he must be aged 25 - 65, 2 years’ driving experience. He would be the policyholder (vehicle owner).

Named drivers are occasional drivers you name under the policy. They have to be aged 25 - 65 with 2 years’ driving experience.

Authorised drivers are people that you give permission to use your motorcycle. Sorry, this policy covers only 1 main driver and up to 1 named driver. It does not cover any unnamed drivers.

Statistically, young drivers tend to have more accidents. At the moment, we do not insure very young drivers, but we do strive to review our policies from time to time. Nonetheless, we appreciate you considering us and hope you will choose us for your motorcycle insurance in the future.

We have to exclude some drivers to keep your premium down
We cannot cover you if:

  • You have been declined when trying to renew your policy in the last 3 years. Or you have had your policy terminated in the last 3 years.
  • You've had your licence suspended or cancelled in the last 5 years.
  • Your motorcycle is registered under your company
  • You use your motorcycle to perform delivery services, whether on a full time or part time basis

View all Motorcycle Insurance FAQs

Enhance Your Policy with 3 Optional Benefits

We might ride out in groups, but no two riders are the same. Are you young and single? Or do you have a family waiting at home for you? Just like your bike, you can modify your policy with optional benefits.



Medical Expenses
COMTPFT


Personal Accident
COMTPFT
 



24-Hour Breakdown Assistance
COMTPFT
 
All benefits are only available if you have purchased our Third Party Fire and Theft or Comprehensive motorcycle
 
There is no excess applicable for Personal Accident benefit and 24-Hour Breakdown Assistance. However, you will have to pay an excess of S$107 (inclusive of GST) each time you claim under Medical Expenses benefit.
Medical Expenses, Personal Accident and 24-Hour Breakdown Assistance 

We make our policies in such a way that you pay only for what you need. Here are a number of ways you can cut costs on your premium.

  1. We have three different insurance plans for motorcycle policy. You can select the plan according to your needs.
  2. Opt to pay a higher excess. The higher the excess the lower the premium. (Note: This only applies to our Comprehensive plan).
  3. Certain motorcycle models are more expensive to insure than others. Keep this in mind when purchasing a new vehicle.
  4. Be sure to only pay for the optional extras you need, as any you add will increase your premium.

View all Motorcycle Insurance FAQs

Have questions?

Speak with us directly at 6665 5555 or provide your details and we’ll call you.