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. 


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. The adding of additional rider is subject to additional premium charges.

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

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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.



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

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


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.