Today 5 insurers price motorcycle insurance for a rider aged 45 on a bike above 750cc. Today the lowest price on this page is S$664.93, from ECICS. The prices run from S$664.93 to S$951.00. The gap reflects how each insurer prices the bike, the rider and the cover. These are example prices, not your quote.
Prices today: big bike (above 750cc), rider aged 45
| Insurer | Plan | Premium | As at |
|---|---|---|---|
| ECICSECICS Motorcycle Insurance Comprehensive (riders 22 to 70, no delivery use)Buy Now | ECICS Motorcycle Insurance Comprehensive (riders 22 to 70, no delivery use) | S$664.93 | 3 Nov 2026 |
| IncomeIncome Motorcycle Insurance ComprehensiveBuy Now | Income Motorcycle Insurance Comprehensive | S$763.22 | 4 Nov 2026 |
| FWDFWD Motorcycle Insurance (underwritten by Income) ComprehensiveBuy Now | FWD Motorcycle Insurance (underwritten by Income) Comprehensive | S$763.22 | 4 Nov 2026 |
| DirectAsiaDirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence)Buy Now | DirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence) | S$827.83 | 4 Nov 2026 |
| EtiqaTiq ePROTECT motorcycle Comprehensive (riders 26 to 65, personal use)Buy Now | Tiq ePROTECT motorcycle Comprehensive (riders 26 to 65, personal use) | S$951.00 | 3 Nov 2026 |
As of 12 Nov 2026 (Singapore time). All prices include 9% GST. "As at" is the date we read the insurer's published price table. A price with today's date comes from the insurer's live rates.
What this example assumes
Every price on the price page for this example is worked out for the same bike and rider. That keeps the comparison even. The example assumes:
- A bike above 750cc, registered 1 year ago
- A male rider aged 45, with a licence held 10 years or more
- A 20% NCD and no claims
- Private use
Change any of these and the price can change. A rider with a claim on record, a delivery rider or a smaller bike would be a different example.
What moves the price for this example
Insurers weigh a few things when they price a big bike. Some matter more to one insurer than to another. That is why five insurers give five different prices for the same rider.
- The bike. Engine size and the age of the bike both count. This example is above 750cc and registered 1 year ago.
- The rider. Age, sex and years of licence all feed in. This rider is 45 and has held a licence for 10 years or more.
- The riding record. A 20% NCD with no claims reflects a clean record. A claim would change the picture.
- How the bike is used. This example is private use. Work use is priced differently.
- What the plan covers. Two plans at different prices may not protect you in the same way. The next section shows where.
What the lowest-priced plans usually trim
A low premium is often the result of less cover, a higher excess or fewer extras. None of this is wrong. It just needs to be on your radar before you compare.
Excess
The excess is the amount you pay towards a claim before the insurer pays. A plan with a higher excess can cost less up front. It then costs you more on the day you claim.
Limits
Limits cap what the insurer pays for a type of loss. Check the limit for injury to other people and damage to their property. Also check the limit for rider personal accident cover. A lower limit can mean a lower price.
Add-ons
Some things are included on one plan and left out of another. These are the items to look for:
- Helmet and riding gear cover, which is offered on some plans only
- Towing and roadside help after a breakdown or accident
- Personal accident cover for the rider
Comprehensive cover is meant to protect the bike from accidents, fire and theft. It also covers injury and damage to other people. Read what each plan lists before you treat two prices as the same product.
What no plan covers
Some limits apply however much you pay. Motorcycle insurance does not cover:
- Riding under the influence of alcohol or drugs
- Riders not named on the policy, riding outside its terms, or riding without the right licence class
- Racing, track days and stunts
- Wear and tear, and mechanical breakdown
What today's prices are and are not
The motorcycle prices on this page are estimates, and the lowest one is an estimate too. They are worked out for the bike and rider described above. Each insurer prices the exact bike, rider and riding record when you press Buy Now. The final premium can differ.
So read the range as a guide to how far apart insurers sit for this example. It is not a promise of what you will pay.
When paying more is worth it, and when it is not
A higher price is not always better value. A lower price is not always a trap. It depends on what you use the bike for and what you can afford to pay if something goes wrong.
A lower-priced plan is better for a rider who:
- Is happy with the cover as listed and has checked what it leaves out
- Can pay a higher excess from savings without strain
- Already has gear cover or roadside help elsewhere
A higher-priced plan is better for a rider who:
- Wants helmet and gear cover, or towing and roadside help, built into the plan
- Prefers a lower excess, so a claim costs less on the day
- Wants higher limits for injury to others and for rider personal accident cover
Paying more is harder to justify if the extras are ones you will never use. It is also hard to justify if you have not checked that the extra cover is real. The test is simple. Ask what you get for the extra money.
How to compare like for like
A fair comparison holds the bike and rider steady and looks at the cover. Work down this list for each plan:
- Check the example fits you. Compare your bike, age, licence years, NCD and use against the assumptions above.
- Compare the excess. Note what you would pay on a claim under each plan.
- Compare the limits. Look at third-party injury, third-party property and rider personal accident.
- Compare the add-ons. Note which plans include gear cover, towing and roadside help.
- Check the exclusions. Make sure you are named on the policy and hold the right licence class.
- Then compare the price. Only now does a gap of a few dollars mean something.
You can see the plans side by side on the motorcycle comparison page. Press Buy Now on a plan to have the insurer price your exact bike and riding record. You can read about the process after a loss on the claims page.
Frequently asked questions
How many insurers price this example?
Today 5 insurers price motorcycle insurance for a rider aged 45 on a bike above 750cc. Their prices run from S$664.93 to S$951.00. These are example prices, not what you will pay.
Does a lower price mean less cover?
Not always, but it can. Lower-priced plans may carry a higher excess, lower limits or fewer add-ons such as gear cover and roadside help. Compare those items before you compare the premium.
What does motorcycle insurance not cover?
It does not cover riding under the influence of alcohol or drugs, or riders who are not named on the policy or lack the right licence class. It also excludes racing, track days and stunts. Wear and tear and mechanical breakdown are not covered either.
What should I check before I press Buy Now?
Check that the bike, your age, your licence years, your NCD and your use match the example. Then compare the excess, the limits and the add-ons on each plan. The insurer prices your exact details after you press Buy Now.
Compare motorcycle insurance for a rider aged 45 on a big bike (above 750cc) today
The prices on this page update daily. See every plan priced for a rider aged 45 on a big bike (above 750cc), ranked by premium, with what the example assumes, or get a quote with your own details through Shenton Brokers.