Name: DirectAsia Motorcycle Insurance
Brand: DirectAsia Motorcycle Insurance
Rating: 4.7 (7682 reviews)

Frequently Asked Questions about Motorcycle Insurance

Can I protect my No Claim Discount (NCD)?

DirectAsia offers customers with NCD20, NCD25, and NCD30 the opportunity to protect their NCD status through the purchase of NCD Protector Plus for a nominal fee. This way, if you have a claim - even if you are at fault, the NCD Protector Plus will allow your NCD to advance to the next level (up to a maximum of NCD30) the following year. Most insurers will only allow you to maintain your NCD status when you have an at-fault claim.

Am I covered for accessories and spare parts on my motorcycle?

If you choose our comprehensive motorcycle insurance we will cover you for accessories and spare parts if these were fitted as standard equipment by the maker or distributor at the time your motorcycle was originally bought and they were on your motorcycle at the time of the accident, loss or theft.
We can decide whether to replace or repair these items or pay you the cost to do this.

Am I covered for the modifications on my motorcycle?

No, we will not pay you for your modifications since these will have been done by you or a previous owner after the motorcycle was first registered. We will only cover you for the original standard equipment by the maker or distributor and we can decide whether to replace or repair these items or pay you the cost to do this.

Do you cover everyone that uses my motorcycle?

This depends on whether you have declared any named rider or selected the Any Rider optional benefit. Your named rider will enjoy the same coverage as you.

If you have selected the Any Rider optional benefit, any authorised unnamed rider who meets the following criteria will be covered as well.

Has a valid Motorcycle driving license in Singapore with a minimum of 2 years driving experience in Singapore.
Accident-free (no at-fault claims) for 3 consecutive years prior to the inception of the policy
Not under suspension or disqualification from driving in the last 5 years
Not using the insured motorcycle for rental or food delivery purpose
Rides the motorcycle with the permission of the policyholder
The age of the named rider has to be from the age of 25 to 65 or,
The age of the authorised unnamed rider needs to be at a minimum age of 25 or 30, and a maximum age of 65, depending on which Any Rider optional benefit is selected.

Do I need to pay any excess for optional benefits?

Excess is not 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.

You will also have to pay the excess for Own Damage under New for Old optional benefit

Does the age of the motorcycle affect how much I can insure?

Plan	Vehicle age
Comprehensive	Up to 10 years old
Third-party fire and theft	Up to 30 years old
Third-party only	Up to 30 years old

Is my policy still valid if I have carried out modifications to my motorcycle?

Yes, your policy remains valid even if you have had modifications done to your motorcycle, provided these modifications are LTA compliant and/or approved and have been declared to us. Please check if your modifications are LTA compliant.

My motorcycle is under finance, what type of insurance plan can I purchase?

We will be happy to provide you with a quote for any of our insurance plans. However, before you buy the policy, please check with your finance company. Some finance companies require certain levels of insurance cover for the motorcycle before they can continue with the finance.

What can I do to keep my premium low?

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.

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

What if my motorcycle is damaged in an arson attack?

Call 995 for the fire brigade. Get details of the officer who attends to the fire and a copy of the fire report.; If your motorcycle is damaged in an arson attack, report it to the police so that they can investigate.

Get a copy of the police report and call us to lodge a claim on In Singapore 6532 1818 or +65 6603 3699 (Overseas/Emergency).

What if my motorcycle is stolen?

Report it immediately to the police so that they can investigate the matter and try to find the motorcycle. Get a copy of the police report and call us to lodge a claim on In Singapore 6532 1818 or +65 6603 3699 (Overseas/Emergency).

What if my motorcycle stalls or is damaged in a flood?

DO NOT try to start your motorcycle as the flood water may damage the engine.

What optional benefits does DirectAsia provide for their motorcycle insurance policies in Singapore?

NCD Protector Plus, Any Rider, Medical Expenses, Personal Accident, 24-Hour Breakdown Assistance and New for Old

What is the New for Old optional benefit and will I receive a physical new motorcycle in the event of a total loss or theft?

With the New for Old optional benefit, Your motorcycle will be replaced with the same/similar make and model if it is stolen in Singapore or suffers a total loss in an accident during the policy period. This optional benefit is applicable to motorcycle aged 0-2 years old (from its first registration in Singapore) and not renewable once the motorcycle reaches 3 years old.

You will need to submit the claim for assessment before the new motorcycle purchase. Cash compensation or replacement will be subject to DirectAsia’s discretion and approval. DirectAsia will advise in writing on the method of settlement.

Who repairs my motorcycle?

You can use a repair workshop of your choice.

NCD

What is a No Claim Discount (NCD)?

A No Claim Discount is a discount that we offer you on your renewal premium if there are no claims on your policy during the current period of insurance. You may still be entitled to a No Claim Discount even if you have made a claim, provided you are not liable for the accident or in cases of thefts and Acts of God.

If You've Had Zero 'At-Fault' Claims For The Last:	NCD Level	Premium Discount
One (1) year	NCD10	Up to 10%
Two (2) consecutive years	NCD15	Up to 15%
Three (3) consecutive years	NCD20	Up to 20%

We wish to reward safe riders even more with our latest NCD discounts which are the highest in Singapore and only available at DirectAsia.

If you are currently at NCD20:	Your No Claim Discount at DirectAsia is:
for one (1) year	25%
for two (2) or more consecutive years	30%

Is my No Claim Discount (NCD) transferable to any other person?

Your No Claim Discount is not transferable to any other person. However, your No Claim Discount can be transfered from one motorcycle to another.

For example:

You've sold your 10 year old motorcycle and purchased a brand new one. You can transfer your existing NCD from your old motorcycle to the new motorcycle.

If you bought a second motorcycle, you can decide which motorcycle will benefit from the NCD you've earned on your first motorcycle.

What is my NCD if I have been riding as a named rider on somebody else's policy?

If you have been a named rider on someone else's insurance, you are not entitled to any NCD.

What is my NCD if I were riding a company motorcycle?

If you have been riding a company motorcycle and you then buy a personal motorcycle, you would be allowed to transfer the NCD. This is provided you can show the number of "claim-free" years you have with a letter from the HR department of your employer or from the leasing company, if the motorcycle is leased.

What is my NCD if I am a foreigner / expatriate coming to live in Singapore?

You may be entitled to a NCD, if you provide us with a letter from your last insurance company stating that

you have been insured over the last 12 months
the number of "claim-free" years.

What happens to my NCD when an accident happens?

Where an accident happens, an automatic reduction in your No Claim Discount will apply. Your No Claim Discount will be reduced as described in the table below if one or more claims have been made by/against you during the same period of insurance:

Please note: NCD25/ NCD30 that is protected under our DirectAsia policy is not transferable to another insurer and also does not necessarily protect you against non-renewal or cancellation of your policy by us.

Your current No Claim Discount	Your reduced No Claim Discount if you have 1 or more at-fault claims
30%	0%
25%	0%
20%	0%
15%	0%
10%	0%
0%	0%

What happens to my NCD if I do not report an accident?

If you do not report an accident to us within 24 hours or by the next working day and/or do not provide your motorcycle to us for inspection in accordance with the terms of the Motor Claims Framework, we may reduce your No Claim Discount upon renewal of your policy as follows

Your current No Claim Discount	Upon renewal (non-reporting)
30%	25%
25%	25%
20%	20%
15%	15%
10%	10%
0%	0%

Can I protect my NCD? What is NCD Protector Plus?

Riders & Usage

Who can ride my Motorcycle?

Has a valid Motorcycle driving license in Singapore with a minimum of 2 years driving experience in Singapore.
Accident-free (no at-fault claims) for 3 consecutive years prior to the inception of the policy
Not under suspension or disqualification from driving in the last 5 years
Not using the insured motorcycle for rental or food delivery purpose
Rides the motorcycle with the permission of the policyholder
The age of the named rider has to be from the age of 25 to 65 or,
The age of the authorised unnamed rider needs to be at a minimum age of 25 or 30, and a maximum age of 65, depending on which Any Rider optional benefit is selected.

Are there any riders you don’t cover?

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. However if you use your bike for food deliveries only - and not any other types of delivery e.g. courier - this can be covered if you declare such usage to us truthfully.

Can DirectAsia cancel my policy if I do not truthfully or fully declare all information while buying my policy?

Yes. If you do not tell us everything you know or would be expected to know, you may receive no benefit from your policy or we may cancel your policy and treat it as never having existed. The admin fee for cancellation is $53.50 (inclusive of GST).

Can I make changes to my cover?

You can contact us to request a change to be made to your cover. Please give us 7 days' notice in order for the change to be effective.; You may call our customer service centre hotline at 6665 5555 from Monday - Friday: 8am - 8pm or email us at [email protected]

Do I qualify for DirectAsia's Motorcycle Insurance?

If you meet the below requirements, then yes you do.

The policyholder must be the registered owner of the vehicle – we cannot insure you if you are not the owner of the motorcycle.
The main driver is the person that uses the motorcycle most frequently – they must be aged between 25 and 65 years old, with at least 2 years’ valid motorcycle driving licence.

You can add one named driver to your policy aged between 25 and 65 years old, with at least 2 years’ valid motorcycle driving licence.

Do you cover all professions?

We do not insure certain professions. These are:

Personnel of foreign armed forces
Professionals who are involved with the entertainment industry
Professional sportsmen or sportswomen
Foreign diplomats and foreign diplomatic staff

How do I claim against a foreign motorist?

Making a claim against motorists from another country can turn out to be costly and time-consuming. You have to get the help of your repairer to assist in your claim. If you are not at fault and you are able to provide the registration number of the third party vehicle, your NCD will not be affected.

How do you define the different usages of the motorcycle?

Private use: You are only using your motorcycle in the course of your private life and for leisure.
Private use and commuting to work: You are also using your motorcycle to go to and from your office.
Private and business use: You are also using your motorcycle for and during the course of your work.
Private, Commuting and Food Deliveries: You are also using your motorcycle to go to and from your office + food deliveries.
Private, Business use and Food Deliveries: You are also using your motorcycle for and during the course of your work + food deliveries.

I am 23 years old with more than 3 years’ riding experience. Why am I not able to receive coverage from DirectAsia?

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.

In what countries am I insured to ride?

Your policy covers you when you ride your motorcycle in Singapore, West Malaysia and Southern Thailand (Within 80km of the border between Thailand and Malaysia.)

What do we mean by Policy Holder, Main Driver, Named Drivers and Authorised Drivers?

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

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

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

Authorised riders are people that you give permission to use your motorcycle. Sorry, this policy covers only 1 main rider and up to 1 named rider. It does not cover any unnamed riders. (Unless the Any Rider Optional Benefit is selected). The adding of additional rider or the selection of Any Rider Optional Benefit is subject to additional premium charges.

What happens if I'm in an accident outside of Singapore?

Make a police report in the place the accident or loss occurred and do so within 24 hours. If you're in West Malaysia or Southern Thailand and you need towing to the nearest repair workshop we can help you arrange that. You will need to pay the service provider and you can claim it back on your policy, up to the specified amount, when you return to Singapore. Call us at +65 6603 3699 (Overseas/Emergency).

What if I need to make changes to my personal details?

You can easily make changes to your personal details 24/7. Login to My Account space to change your particulars, including contact information and more.

If you need to speak to us, you may call our customer service centre hotline at 6665 5555 from Monday - Friday: 8am - 8pm.

Claims

Do I need to do anything if there's an accident and I settle a dispute amicably between myself and a third party?

If you settle the matter amicably with the other driver, then there is usually no need to make an insurance claim. You must still report the matter to us, though. It will NOT affect your No Claim Discount. Complete and send us a copy of the Private Settlement form when you're reporting the claim.

Do I need to pay any excess if my motorcycle is stolen in Singapore? How about if my motorcycle is stolen outside of Singapore?

Your own damage excess will be applicable in the event your motorcycle is stolen in Singapore. (You can refer to your certificate of insurance on how much your policy excess is). If your motorcycle is stolen outside of Singapore, an additional excess of 50% of the market value of your motorcycle at the time of the theft capped at a maximum of $2,000 will be applicable too.

Do I need to report all accidents to the police?

If someone is injured, then you'll need to report the accident to the police. If nobody is injured and you settle the dispute with the other driver amicably, then there's usually no need for police involvement. However, should a hit-and-run situation occur or a government vehicle/property, foreign vehicle, or pedestrian/cyclist be involved, you need to report this to the police.

What documents do I need to make a claim?

You will need to bring along copy of your Singapore Accident Statement (SAS), Certificate of Insurance and all other supporting documents (i.e. accident scene photos showing the position the vehicles, accident video footage or witness statement [if any]) and your accident vehicle to any of our Authorised Workshops to make a claim under your own policy. If you are unsure, please call us on 6532 1818 or email us at [email protected].

What happens if I have an accident while using the motorcycle for an undeclared usage?

If you have misdeclared your usage at the quotation stage, i.e. you are using your motorcycle frequently during the course of your work but only took private usage, or if you drive frequently to your work place but took only private usage, we reserve the right to reduce or reject your claim altogether. If you use your motorcycle outside of your declared usage and you forget to inform us beforehand, an additional excess of S$1,500 would apply if you are involved in an accident during this usage.

As a valued customer of DirectAsia.com, you can use your motorcycle outside of your declared private usage up to 5 times a year by calling us at 6665 5555 or sending an email informing us of your upcoming usage at [email protected].

If you plan to use your motorcycle for food deliveries (e.g. UberEats, Deliveroo, Food Panda etc.), or are already using your motorcycle for food deliveries: please call 6665 5555 to inform us and to ensure you are appropriately covered. Otherwise, in the event of a claim, your claim may be rejected.

What if I have a motorcycle accident?

In the event of an accident stay calm and make sure everyone is safe. Do not discuss liability. Call us at In Singapore 6532 1818 if you're in Singapore or at +65 6603 3699 (Overseas/Emergency) if you're in Malaysia or Thailand. When you phone us, our professional claims advisor will guide you.; You are required by the General Insurance Association of Singapore to report an accident to your insurer within 24 hours (or the next working day) even when there is no damage. If not, your No Claim Discount (NCD) will be affected.; More information about what to do in the event of an accident.

What if someone has been injured in my motorcycle accident?

If someone is injured or there has been a fatal accident, please do not attempt to move the injured or the vehicles. Call 999 first then call us on In Singapore 6532 1818 or +65 6603 3699 (Overseas/Emergency), we will send someone out immediately to help you.

Why do insurers sometimes declare vehicles a total loss?

If the repair cost is higher than the economic repair value, we may then settle the claim as a constructive total loss. The economic value is the difference between market value and residual value (COE and PARF).; You can, however, still have your vehicle repaired even when the cost is more than the economic repair value. The GIA recommends insurers pay the economic repair value plus 50% of the difference (up to $5,000) between the actual cost of repair and the economic repair value.

Account

Can I buy a policy from you if I purchase a brand new motorcycle?

Yes. You just need to tell your motorcycle dealer that you will be getting your Motorcycle Insurance from DirectAsia.

Can I buy your insurance policy offline?

Yes, just call us at 6665 5555 or come to our office at 20 Anson Road, #08-01, Singapore 079912.

Can I pay monthly?

Our motorcycle insurance is available on a single payment basis only.

Can I use my friend or family members' credit card to make my premium payment?

No. The credit card holder must be the policyholder. If you do not have a credit card for payment, you can arrange to pay at 20 Anson Road, #08-01, Singapore 079912 via cash or cheque.

Can you refund me cash instead of a cheque?

We will only refund via cheque if the original payment method is by cash or cheque. Sorry we cannot refund you with cash.

Do all insurers adopt the same method to compute the refund?

No, different insurers have different methods of computing refunds.

How do I cancel my Motorcycle Insurance policy?

Please ensure you have the following documents:

Sale / Purchase Agreement by car dealer stating the details of the sale of the vehicle, and the effective sold date and handover date; OR
LTA Notification Transfer of Ownership for the vehicle.

You may fax the documents to 64231197 or email us at [email protected]. Once we receive these documents, we will backdate the cancellation date to 1 day after the vehicle sold/ handover date.

Alternatively, you may also give us a call on our Customer Service Hotline at 6532 2888 from 8am to 8pm, Monday to Friday.

How do you calculate the premium?

Your Motorcycle Insurance premium is based on a number of factors including driver profile which looks at your age, driving experience, No Claim Discount and the number of profile named on your policy. We also take into account the motorcycle's make, model and age. The excess you choose will also affect your premium. The higher the excess, the lower the premium. (Note: This only applies to our Comprehensive plan) Any optional benefits you choose will also affect your premium.

How is my refund computed for my insurance policy cancellation?

The refund is calculated based on the following conditions: Premium Refund = [Premium x (Unexpired Period of Insurance (Days) / Original Period of Insurance (Days))] – Applicable Cancellation Fee ($53.50 inclusive of GST).

Please note that the above is subjected to no claim/accident in current policy period.

I haven't made any claims so why is my renewal premium higher?

If the overall claims experience is bad that year then insurance companies have to increase their premiums across the board for all motorists irrespective of whether you have made a claim or not. If you have a clean driving record, though, your premium will still be lower than those with accident claims.

If I report a motorcycle accident and/or claim under my insurance policy, am I still entitled to a refund?

No refund will be given if there is a motorycle accident reported and/or claim made under your motorcycle insurance policy.

I've been a named driver on someone else's insurance, can I still get a NCD?

If you have been a named driver on someone else's insurance, you are not entitled to any NCD. However, if you have been driving a company motorcycle and you then buy a personal motorcycle, you would be allowed to transfer the NCD. This is provided you can show the number of claims' free years you have with a letter from the HR department of your employer or from the leasing company, if the motorcycle is leased. More details on NCD.

My NCD went up by 10% and I have had no claims in the past year. So why has my Motorcycle Insurance premium increased?

There are a number of factors involved in pricing premiums. Firstly, there may be an increase in claims for your motorcycle make and model, which will lead to higher premiums. The higher price may also be driven by inflation. For example, increased repair costs, legal fees and medical costs means increased insurance premiums to keep up with these costs in general.

What can I do to keep my premium low?

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.

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

What happens when I get my quote?

You can get a quote by following our simple step by step guide. If you're satisfied you can go ahead and buy. You can choose the start date of your policy and even have immediate cover if you wish. You can print off your insurance certificate straight away. If you need time to gather more information, then you can save your quote and go back to it at a later date. Your quote will be saved in our system and will be valid for 90 days.

What information do I need before I can buy my insurance policy?

Your chassis number. You can get this by logging onto LTA website
Your NRIC for you and any named driver
Your previous registration number if you plan to transfer your NCD to a new motorcycle
And your credit card details

What is a Offence Free Discount?

If your No Claim Discount (NCD) is 20%, your Certificate of Merit (COM) from the Traffic Police entitles you to a discount over and above your NCD. This is your Offence Free Discount. At DirectAsia we reward safe drivers.

You can check your status here.

What is an excess?

An excess is the amount that you must contribute towards the cost of a claim. The type of excess and the amount payable will be shown on the Schedule. If you make a claim, you will have to pay us any excess that applies.

When can I receive my refund upon my insurance policy cancellation?

You can receive your premium refund via cheque within 14 days.

Why must I pay a higher premium when the market value of my vehicle is depreciating?

There are many things taken into consideration when calculating premiums particularly risk factors including vehicle model, capacity, and driver's profile. The market value of the motorcycle is not considered to be a direct risk factor because it does not influence the claims received from third parties for property damage and injuries. Also, repair cost for motor vehicles continues to increase therefore impacting insurance premiums.

Policy Documents & Wording

DirectAsia Motorcycle Insurance Policy Details

"It was a breeze to get help with my claims. Staff was helpful and the workshop called within the same day to sort out the appointment."

Lee Chiew Yi
January 2021

"The system is very user-friendly and all the available options are clearly defined. It really helps the user to make an informed decision."

Keith Kheng Khai Woo
December 2020

"Top notch service. The staff are patient when explaining and acted professionally throughout the call."

Chan Chee Soon
December 2020

	Third-Party Only (TPO)	Third-Party Fire & Theft (TPFT)	Comprehensive (COMP)
	For the budget-conscious riders.	For those who wish to extend beyond basic coverage to include losses due to fire and theft.	For the ultimate bike lovers who wants a complete peace of mind.
	Injury to someone else in an accident
Injury to someone else in an accident
	Damage to someone's property in an accident
Damage to someone's property in an accident
	Legal expenses following accident
Legal expenses following accident
	Damage to your motorcycle caused by fire
Damage to your motorcycle caused by fire
	If your motorcycle is stolen
If your motorcycle is stolen
	Damage to your motorcycle caused by an accident
Damage to your motorcycle caused by an accident
	If you crash into something besides a vehicle
If you crash into something besides a vehicle
	If there is non-crash damages to your motorcycle
If there is non-crash damages to your motorcycle
	Damage by flood or a natural disaster
Damage by flood or a natural disaster

	Private Use	Private Use & Commuting	Private Use & Business
	Leisure
Leisure
	Rides to & from workplace
Rides to & from workplace
	Rides to/from business meetings during work hours
Rides to/from business meetings during work hours

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