Motorcycle insurance
Does motorcycle insurance cover older riders?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-motorcycle-insurance-cover-older-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.
Yes, up to an age limit. 4 of the 6 insurers we compare sell online only to riders up to a set age, from 65 to 75; 2 state no upper age in the terms we hold. A rider past the limit can still ask an insurer through a broker. Check the insurer's own age limit before you buy.
The figures
- Insurers compared: 6, with 20 plans between them.
- Insurers with at least one plan that covers it: 4.
- Insurers whose documents do not say: 2.
- Cheapest plan that covers it, for a Class 2B bike (up to 200cc), rider aged 30: ECICS ECICS Motorcycle Insurance Comprehensive (riders 22 to 70, no delivery use), S$368.78.
- 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 |
|---|---|---|---|
| ECICSYes, with limitsfrom S$368.78 | Yes, with limits | ECICS Motorcycle Insurance Comprehensive (riders 22 to 70, no delivery use)3 of its 3 plansTerms: 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 |
| 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: 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 boughtTerms: Priced at the lowest excess DirectAsia's quote offers (S$0; its quote starts at S$600 and the charge for the lower excess at 20% NCD is S$121.75 for riders 21 to 30, S$103.14 for riders 31 to 35, S$71.42 for riders 36 to 65, more at a lower NCD); choosing a higher excess on its site costs lessTerms: 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 |
| EtiqaYes, with limitsfrom S$519.08 | Yes, with limits | Tiq ePROTECT motorcycle Comprehensive (riders 26 to 65, personal use)5 of its 5 plansTerms: 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 DirectYes, with limits | Yes, with limits | Budget Direct Motorcycle Comprehensive (riders 25 to 75, personal use)3 of its 3 plansTerms: 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 licenceTerms: No price here for a licence held under 2 years or a rider under 25 or over 75 (its quick quote refuses them)Terms: No price here for a licence held under 2 years or a rider under 25 or over 75 (its quick quote refuses them) | – |
| FWDNot statedfrom S$386.72 | Not stated | FWD Motorcycle Insurance (underwritten by Income) Comprehensive3 of its 3 plansThe plan's documents do not mention it. | S$386.72Buy Now |
| IncomeNot statedfrom S$386.72 | Not stated | Income Motorcycle Insurance Comprehensive3 of its 3 plansThe plan's documents do not mention it. | S$386.72Buy 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 older riders?
Yes, up to an age limit. 4 of the 6 insurers we compare sell online only to riders up to a set age, from 65 to 75; 2 state no upper age in the terms we hold. A rider past the limit can still ask an insurer through a broker. Check the insurer's own age limit before you buy.
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, ECICS ECICS Motorcycle Insurance Comprehensive (riders 22 to 70, no delivery use) is the cheapest plan that covers it, at S$368.78 today, GST included. The median of each insurer's lowest price is S$487.56.