Motorcycle Insurance SG | Riders We Cover | DirectAsia Insurance
 

Motorcycle Insurance >
Riders We Cover

You Declare Who Rides &  How Your Motorcycle will be Used

We ask a few questions to make sure you get the correct premium

Singapore riders love their bikes, and ride them in different ways. We want to make sure you get the best premium, so we ask you about the Main Rider and how the motorcycle will be used. 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 give our best premium based on the information you declare, that information is used when we review and pay claims. 

 

Rider & Usage Requirements

We have a few basic requirements for who we cover

Rider Requirements

 

 
Age & Experience

The main rider (person that rides the motorcycle most) must be aged 25 - 65 with 2+ years’ riding experience.

  •    
    Past Insurance

    In the last 3 years, no rider has been refused insurance or had it terminated for any reason.

  •    
    Licence History 

    No rider has had their licence suspended or cancelled in the last 5 years.

  •  

  •  

Usage Requirements

 

  •    
    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.

  •    
    Motorcycle Ownership & Registration

    We can only provide cover if your motorcycle is registered under your own name. Your motorcycle must also be registered in Singapore.

  •    

     

The 3 Standard Motorcycle Usages

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.

Private Usage & 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 Usage

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. 

No, you do not need to select Private and Business Use to make a few business calls. If you need to use your bike for a use outside of your policy, you must inform us prior to when you’ll be riding your bike off your selected use. You can ride outside of declared use up to five times per policy at no extra cost.

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 CarUsage@DirectAsia.com.

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.
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 S$90 (inclusive of GST).

View all Motorcycle Insurance FAQs

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

DirectAsia Insurance Logo
DirectAsia, in partnership with Shell, offers motorists more for less. Click here for details.

Direct Asia Insurance (Singapore) Pte Ltd is a member of the DirectAsia group of companies.
Reinsured by Munich Re, one of the world's leading reinsurers.