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Types of Riders We Cover

 

You Declare Who Rides & How Your Motorcycle will be Used

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We ask a few questions to make sure you get the correct premium for your rider insurance

Singapore riders love their bikes, and ride them in different ways. We want to make sure you get the best premium for your rider insurance in Singapore, so we ask you about the Main Rider and how the bike will be used, ranging from delivery services or personal use. That way we make sure you're only paying for what you need.

IMPORTANT! Remember to declare the correct information:

It's important that you answer the questions about Main Rider and Motorcycle Usage truthfully so you're insured in the event of an accident. Since we calculate your premium based on the information you declare, that information is used when we review and pay claims.

Rider & Usage Requirements For Insurance

Rider Requirements

DirectAsia Driver Requirement Age Age & Experience
The main rider (person that rides the motorcycle most) must be aged 25 - 65 with 2+ years' riding experience.
DirectAsia Require License Past Insurance
In the last 3 years, no rider has been refused insurance or had it terminated for any reason.
Accident History Licence History
No rider has had their licence suspended or cancelled in the last 5 years.

Usage Requirements

Usage Commercial Usage
The motorcycle cannot be used for commercial purposes, hire or reward. 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 fully.
Ownership                  Motorcycle Ownership & Registration
We can only provide rider insurance cover if the owner of the motorcycle is the policyholder. Your motorcycle must also be registered in Singapore.

The 3 Standard Motorcycle Usages Covered by Rider Insurance

Not sure about your usage type? Call us at 6665-5555


Private use PRIVATE USE
You are only using your motorcycle in the course of your private life and for leisure. 

You are not using your ride to go to your workplace or to any professional appointment. However, you might use your motorcycle on other daily routines that aren't work related.


Commuting PRIVATE USE & COMMUTING
On top of the private usage, you are also using your bike to go to and from work. 

You might use your motorcycle during lunch time to meet with your business partner. However, you are not using your ride to go to and from business appointments during your work/office hour.


Business PRIVATE USE & BUSINESS
You use your ride in your normal day and in the course of your work. 

On top of private rides and commuting, you are also using your motorcycle for and during the course of your work. This includes going to business meetings during your work/office hours.

Frequently Asked Questions about Rider Insurance

Should I consider taking on optional benefits for my rider insurance?

It depends. You’d have to consider the needs and circumstances of the riders involved. Are they single? Do they have a family at home? From 24-hour assistance to protection for any rider, DirectAsia offers a range of options that are designed for varying needs. Find out more about optional benefits or get in touch with our customer service team.

What are the different motorcycle insurance types available?

DirectAsia offers three different covers: Third Party Only (TPO), Third Party Fire & Theft (TPFT), and Full Comprehensive plan. These plans vary in coverage and benefits offered to the riders for protecting their bikes. Pick one that best suits your needs and simply add-on other options when you need them.

Why do I need to declare riders and their purpose of using the bike?

Having full disclosure is necessary for us to be able to help you make claims if and when you do encounter an accident. Your information will help us ensure that your rider insurance is properly set up to protect you when the need arises. This information will also help us calculate your premium.