Motorcycle insurance
Does motorcycle insurance cover new riders?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-motorcycle-insurance-cover-new-riders
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.
At some insurers. 2 of the 6 insurers we compare cover a rider with under two years of licence, with an extra S$500 excess only on a company-registered bike; 3 need at least two years before they sell online, and 1 does not state a minimum in the terms we hold. New riders pay more everywhere.
The figures
- Insurers compared: 6, with 20 plans between them.
- Insurers with at least one plan that covers it: 2.
- Insurers that exclude it on every plan: 3.
- Insurers whose documents do not say: 1.
- Cheapest plan that covers it, for a Class 2B bike (up to 200cc), rider aged 30: FWD FWD Motorcycle Insurance (underwritten by Income) Comprehensive, S$386.72.
- Median price among the insurers that cover it, for the same example: S$386.72.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| FWDYes, with limitsfrom S$386.72 | Yes, with limits | FWD Motorcycle Insurance (underwritten by Income) Comprehensive3 of its 3 plansTerms: Policy excess as shown on the schedule for each accident claim; an extra S$500 excess on a company-registered bike when the rider is under 22 or has under two years of riding | S$386.72Buy Now |
| IncomeYes, with limitsfrom S$386.72 | Yes, with limits | Income Motorcycle Insurance Comprehensive3 of its 3 plansTerms: Policy excess as shown on the schedule for each accident claim; an extra S$500 excess on a company-registered bike when the rider is under 22 or has under two years of riding | S$386.72Buy Now |
| ECICSNofrom S$368.78 | No | ECICS Motorcycle Insurance Comprehensive (riders 22 to 70, no delivery use)3 of its 3 plansExcluded: Riders aged 22 to 70 on the start date with a licence held at least two years (and no longer than their age allows), bikes registered up to ten calendar years ago, up to two claims in three years (ECICS's online quote refuses the rest) | S$368.78Buy Now |
| DirectAsiaNofrom S$487.56 | No | DirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence)3 of its 3 plansExcluded: Riders aged 21 to 24 need two years of licence and at most one accident in three years; riders 25 to 65 need two years of licence; every rider named unless the Any Rider option is boughtExcluded: No price here for a licence held under 2 years (DirectAsia's form refuses it), a rider under 21 or over 65 (refused too) | S$487.56Buy Now |
| Budget DirectNo | No | Budget Direct Motorcycle Comprehensive (riders 25 to 75, personal use)3 of its 3 plansExcluded: Main rider aged 25 to 75 with a valid licence for at least two years; an extra S$500 excess for a named rider under 25, and another S$500 for one with under two years of licenceExcluded: No price here for a licence held under 2 years or a rider under 25 or over 75 (its quick quote refuses them)Excluded: No price here for a licence held under 2 years or a rider under 25 or over 75 (its quick quote refuses them) | – |
| EtiqaNot statedfrom S$519.08 | Not stated | Tiq ePROTECT motorcycle Comprehensive (riders 26 to 65, personal use)5 of its 5 plansThe plan's documents do not mention it. | S$519.08Buy Now |
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 new riders?
At some insurers. 2 of the 6 insurers we compare cover a rider with under two years of licence, with an extra S$500 excess only on a company-registered bike; 3 need at least two years before they sell online, and 1 does not state a minimum in the terms we hold. New riders pay more everywhere.
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, FWD FWD Motorcycle Insurance (underwritten by Income) Comprehensive is the cheapest plan that covers it, at S$386.72 today, GST included. The median of each insurer's lowest price is S$386.72.