Bicycle and PMD insurance
Liability and accident cover for cyclists and personal mobility device riders.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/bicycle
What's covered
- Your liability if you injure a pedestrian or damage property while riding
- Accidental death and permanent disablement of the rider
- Medical expenses after a riding accident
What's not covered
- Theft of or damage to the bicycle or device itself
- Riding that breaks the rules: an unregistered or modified device, or riding where it is not allowed
- A device not registered in your own name, such as a rental
- Racing, and accidents outside Singapore
How comparing bicycle and PMD insurance works here
Tell us whether you ride for food or parcel delivery, and the rider's date of birth. We show the yearly price of each plan from the insurers on our panel, with the limits of each.
This insurance is bought on the insurer's own proposal form, not online. The Buy Now link takes you to the insurer's page, where you get the form and send it back with payment.
What it is for
It covers the harm you cause to other people while riding, and injuries to you. It suits anyone who rides a bicycle, power-assisted bicycle, e-scooter or mobility aid in Singapore.
It does not cover theft of or damage to the bicycle or device itself.
Before you choose
- Liability pays if you injure a pedestrian or damage property, with the legal costs.
- Delivery riding is covered only on plans that say so, often with a higher excess.
- The rules matter. A claim is refused if the device is unregistered, modified or ridden where it is not allowed, or if it is registered in someone else's name.
What sets your premium
Only the plan. Prices here do not change with age or the kind of device. Age matters only because each insurer takes riders within an age range.
See prices
What bicycle and PMD insurance costs today
- Rider aged 35, personal use1 insurer prices this, at S$91.68 (as at 10 Nov 2026).
- Delivery rider aged 301 insurer prices this, at S$91.68 (as at 10 Nov 2026).
- Rider aged 60, personal use1 insurer prices this, at S$91.68 (as at 10 Nov 2026).
Worked out today from each insurer’s current rates; a price from an insurer’s published table gives the date we read it (“as at”). Open an example to see what we assumed and every plan. Your own price depends on your answers.
Questions people ask
Is this insurance compulsory?
Not for riding your own bicycle or device for yourself. Businesses whose riders use e-scooters or power-assisted bicycles for work must hold third-party liability insurance for them, and riders are encouraged to have their own.
Does it cover my bicycle if it is stolen?
No. These plans cover the harm you cause to others and injuries to you. They do not pay for theft of or damage to the bicycle or device.
Am I covered when I deliver food?
Only on a plan that covers commercial use. Say yes to the delivery question and the results show the plans that do, with any higher excess.