Motorcycle insurance
Does motorcycle insurance cover delivery riding?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-motorcycle-insurance-cover-delivery-riding
Motorcycle insurance promotions today: ECICS, 15% off; Etiqa, 10% off. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
Only if the policy says so. 1 of the 6 insurers we compare covers food or parcel delivery when you declare it, at a higher price; 4 sell private use only, and 1 does not say. A claim made while delivering on a private policy may not be paid, so tell the insurer before you start.
The figures
- Insurers compared: 6, with 20 plans between them.
- Insurers with at least one plan that covers it: 1.
- Insurers that exclude it on every plan: 4.
- Insurers whose documents do not say: 1.
- Cheapest plan that covers it, for a Class 2B bike (up to 200cc), rider aged 30: DirectAsia DirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence), S$487.56.
- Median price among the insurers that cover it, for the same example: S$487.56.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| DirectAsiaYes, with limitsfrom S$487.56 | Yes, with limits | DirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence)3 of its 3 plansTerms: Usage declared as private, private and commuting, private and business, or either with deliveries (priced here for commuting, and for deliveries); riding outside the declared usage adds a S$1,500 excess to every claim | S$487.56Buy Now |
| ECICSNofrom S$368.78 | No | ECICS Motorcycle Insurance Comprehensive (riders 22 to 70, no delivery use)3 of its 3 plansExcluded: Every rider must be named; food, parcel and other delivery use is not covered | S$368.78Buy Now |
| FWDNofrom S$386.72 | No | FWD Motorcycle Insurance (underwritten by Income) Comprehensive3 of its 3 plansExcluded: Personal use only: not sold online for rental, private hire or delivery riding, nor to a rider who made a claim in the past 3 years | S$386.72Buy Now |
| IncomeNofrom S$386.72 | No | Income Motorcycle Insurance Comprehensive3 of its 3 plansExcluded: Personal use only: not sold online for rental, private hire or delivery riding, nor to a rider who made a claim in the past 3 years | S$386.72Buy Now |
| EtiqaNofrom S$519.08 | No | Tiq ePROTECT motorcycle Comprehensive (riders 26 to 65, personal use)5 of its 5 plansExcluded: Riders aged 18 to 65 who own the bike and use it for personal purposes only; up to three named riders, who get the same cover | S$519.08Buy Now |
| Budget DirectNot stated | Not stated | Budget Direct Motorcycle Comprehensive (riders 25 to 75, personal use)3 of its 3 plansThe plan's documents do not mention it. | – |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
The prices are estimates: the insurer's own quote can differ.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare motorcycle insuranceBuy Now addresses
Each listed insurer's best-value plan for a Class 2B bike (up to 200cc), rider aged 30, lowest premium first.
- ECICS, ECICS Motorcycle Insurance Comprehensive (riders 22 to 70, no delivery use): https://purchase.ecics.com/motorcycle/insurance/basic-detail?manual=true&partner_code=B0000030&promo_code=SPECIAL15
- Income, Income Motorcycle Insurance Comprehensive: https://shentonbrokers.com/go/buy/motorcycle/income/comprehensive?capacity=200®Date=2023-11-12&licenceYears=5&ncd=20&claims=no&dob=1996-11-12&gender=m&usage=private
- Etiqa, Tiq ePROTECT motorcycle Comprehensive (riders 26 to 65, personal use): https://www.tiq.com.sg/buy-online/motorcycle-insurance/quotation/?referral=A501895
Questions people ask
Does motorcycle insurance cover delivery riding?
Only if the policy says so. 1 of the 6 insurers we compare covers food or parcel delivery when you declare it, at a higher price; 4 sell private use only, and 1 does not say. A claim made while delivering on a private policy may not be paid, so tell the insurer before you start.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 20 plans from 6 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
For a Class 2B bike (up to 200cc), rider aged 30, DirectAsia DirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence) is the cheapest plan that covers it, at S$487.56 today, GST included. The median of each insurer's lowest price is S$487.56.