Motorcycle insurance
Does motorcycle insurance protect your no-claim discount?
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/covers/does-motorcycle-insurance-protect-your-no-claim-discount
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 with an NCD protector. 3 of the 6 insurers we compare offer one, 2 as a paid add-on; 3 do not name one. Without it, a claim cuts the discount: motorcycle NCD runs 10%, 15% and 20%, and one at-fault claim takes it down a step or back to 0% at renewal.
The figures
- Insurers compared: 6, with 20 plans between them.
- Insurers with at least one plan that covers it: 1.
- Insurers that sell it as an optional add-on: 2.
- Insurers whose documents do not say: 3.
- 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$368.78.
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)3 of its 3 plansRepairs at: Insurer-arranged repairs; the policy excess is by model (S$300 to S$1,000 on the bikes sampled, shown for your band), waived up to S$300 on the first claim at 20% NCD; a free NCD protector from 10% NCD | S$368.78Buy 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 plansExcluded: NCD Protector Plus, medical expenses and personal accident are optional benefits | 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 plansExcluded: No claim discount 10% / 15% / 20%; an NCD protector is an optional cover | – |
| 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 |
| 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 protect your no-claim discount?
Only with an NCD protector. 3 of the 6 insurers we compare offer one, 2 as a paid add-on; 3 do not name one. Without it, a claim cuts the discount: motorcycle NCD runs 10%, 15% and 20%, and one at-fault claim takes it down a step or back to 0% at renewal.
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$368.78.