Motorcycle insurance
Does motorcycle insurance include personal accident cover?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-motorcycle-insurance-include-personal-accident-cover
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.
On many plans, but the sum is small. 4 of the 6 insurers we compare include personal accident cover for the rider on at least one plan; 2 sell it only as an add-on. Limits run from S$1,000 to S$5,000. That pays little after a serious accident, so a rider may want a personal accident policy as well.
The figures
- Insurers compared: 6, with 20 plans between them.
- Insurers with at least one plan that covers it: 4.
- Insurers that sell it as an optional add-on: 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$386.72.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| ECICSYesfrom S$368.78 | Yes | ECICS Motorcycle Insurance Comprehensive (riders 22 to 70, no delivery use)1 of its 3 plansPersonal accident (rider): S$1,000 for the policyholder and named riders, included; Personal Accident+ add-on S$32.70 | S$368.78Buy Now |
| FWDYesfrom S$386.72 | Yes | FWD Motorcycle Insurance (underwritten by Income) Comprehensive3 of its 3 plansPersonal accident (rider): S$1,000, at no extra cost | S$386.72Buy Now |
| IncomeYesfrom S$386.72 | Yes | Income Motorcycle Insurance Comprehensive3 of its 3 plansPersonal accident (rider): S$1,000, at no extra cost | S$386.72Buy Now |
| EtiqaYesfrom S$519.08 | Yes | Tiq ePROTECT motorcycle Comprehensive (riders 26 to 65, personal use)5 of its 5 plansPersonal accident (rider): S$5,000 on the rider's accidental death (riders aged 18 to 60; not while riding pillion), from the policy wording | S$519.08Buy Now |
| DirectAsiaOptional add-onfrom S$487.56 | Optional add-on | DirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence)3 of its 3 plansPersonal accident (rider): Optional benefit (S$100,000 for the rider, S$54.50 a year on DirectAsia's quote) | S$487.56Buy Now |
| Budget DirectOptional add-on | Optional add-on | Budget Direct Motorcycle Comprehensive (riders 25 to 75, personal use)3 of its 3 plansPersonal accident (rider): Optional cover, at extra premium | – |
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 include personal accident cover?
On many plans, but the sum is small. 4 of the 6 insurers we compare include personal accident cover for the rider on at least one plan; 2 sell it only as an add-on. Limits run from S$1,000 to S$5,000. That pays little after a serious accident, so a rider may want a personal accident policy as well.
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$386.72.