Motorcycle Insurance
Motorcycle Insurance in Singapore – Affordable & Comprehensive Coverage
Motorcycle Insurance in Singapore is mandatory for all riders and provides essential financial protection against accidents, theft, fire, and third-party liabilities. Whether you are a daily commuter, food delivery rider, or leisure motorcyclist, the right motorcycle insurance safeguards both your finances and legal responsibilities.
Our motorcycle insurance plans offer flexible coverage options at competitive premiums, ensuring peace of mind on every ride.
Motorcycle Insurance Coverage Options
Third Party Only (TPO) Motorcycle Insurance
The minimum legal requirement in Singapore.
- Covers third-party bodily injury or death
- Covers third-party property damage
- Does not cover damage to your own motorcycle
Best suited for older motorcycles or budget-conscious riders.
Third Party, Fire & Theft (TPFT) Motorcycle Insurance
Includes Third Party coverage plus:
- Protection against fire and explosion
- Coverage for motorcycle theft or burglary
Ideal for riders seeking extra protection beyond basic coverage.
Comprehensive Motorcycle Insurance
The highest level of motorcycle insurance coverage.
- Covers accidental damage to your motorcycle
- Fire, theft, and malicious acts
- Unlimited third-party bodily injury liability
- Third-party property damage (subject to limits)
- Towing and removal costs (policy limits apply)
- No Claim Discount (NCD) benefits
Recommended for new, high-value, or frequently used motorcycles.
Key Benefits of Motorcycle Insurance
- Legal compliance under Singapore law
- Financial protection against costly third-party claims
- Coverage for accidents, theft, and fire
- Cross-border coverage to Malaysia and Southern Thailand
- NCD savings for claim-free years
- Optional personal accident benefits for rider protection
Why Motorcycle Insurance Is Important
Motorcycle accidents often result in serious injuries and high third-party claims. In my professional opinion as a Financial Planner, adequate motorcycle insurance is not just a legal requirement—it is a critical risk management tool that protects your income, savings, and long-term financial security.
Get a Motorcycle Insurance Quote Today
We help riders compare motorcycle insurance plans to find the best balance between premium and protection.
Contact us today for a personalised motorcycle insurance quotation and professional advice tailored to your riding needs
Motorcycle Insurance FAQs
Is motorcycle insurance mandatory in Singapore?
Yes. At minimum, Third Party Only motorcycle insurance is required by law before you can ride on public roads.
What is the difference between TPO, TPFT, and Comprehensive motorcycle insurance?
1. TPO: Covers only third-party injury and property damage 2. TPFT: Adds fire and theft protection 3. Comprehensive: Covers your motorcycle and third-party liabilities
Does motorcycle insurance cover theft in Malaysia?
Yes, provided theft coverage is included and policy conditions are met. Additional excess may apply for theft occurring outside Singapore.
What is No Claim Discount (NCD)?
NCD is a premium discount earned for each claim-free year. The higher your NCD, the lower your renewal premium.
Who is covered to ride my motorcycle?
Coverage applies to authorised riders named in the policy, subject to licence and policy conditions.
Does motorcycle insurance cover personal injuries to the rider?
Basic policies focus on third-party liabilities. Personal Accident cover for the rider or named rider can usually be added as an optional benefit.
How do I make a motorcycle insurance claim?
Accidents must be reported within 24 hours or by the next working day. Failure to report may affect claim approval and NCD.
Can I cancel my motorcycle insurance policy?
Yes. Policy cancellation is allowed, subject to insurer terms and whether claims have been made.
Request a Personalized Insurance Quote
We provide tailored insurance solutions designed around your specific protection needs. Our quotations are transparent, competitive, and structured with no hidden charges.
- Customized Coverage
- Competitive Premiums
- Clear & Transparent Pricing
