Motorcycle Insurance SG | Riders We Cover | DirectAsia Insurance
 

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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.

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    Past Insurance

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

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    Licence History 

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

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Usage Requirements

 

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    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.

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    Motorcycle Ownership & Registration

    We can only provide cover if the owner of the motorcycle is the policyholder. Your motorcycle must also be registered in Singapore.

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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. 

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

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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.