How much does motorcycle insurance cost for a 35-year-old on a Class 2A bike?

Today, 11 November 2026, the lowest price on this page is S$412.59, from ECICS. That is for a 35-year-old male rider on a Class 2A bike of 201 to 400cc. Five insurers price this example, from S$412.59 to S$543.62. These are example prices, not what you will pay.

What the example assumes

Every figure here is worked out for one rider and one bike. The details are:

• A bike of 201 to 400cc, registered 2 years ago
• A male rider aged 35 who has held a licence for 6 to 9 years
• A 20% no-claim discount (NCD), with no claims
• Private use

The full set of prices sits on the price page for this example. Change any one detail and the premium can change with it.

What decides the price for this example

The spread between the lowest and highest price is the first thing to notice. Five insurers looked at the same bike and the same rider. They still did not land on the same figure. Each one weighs the details in its own way.

These are the factors a reader meets first:

• The bike. Engine size, age and how recently it was registered all feed into the price. A Class 2A bike sits in the 201 to 400cc band.
• The rider's age and sex. The example is a man aged 35. Insurers treat age groups differently.
• Years of licence. A rider with 6 to 9 years behind the handlebars is not a new rider. A newer licence usually raises the price.
• The no-claim discount. The example has a 20% NCD and no claims. A claim can lower the discount and raise the next premium.
• How the bike is used. The example is private use. Work use, such as delivery, is priced differently.

None of these is a flat rule. They are the inputs an insurer looks at when it prices the bike and the rider.

What the price buys

The example is a comprehensive-style motorcycle policy. Cover differs from plan to plan, so read each plan's benefits before you compare prices. In general, motorcycle insurance covers:

• Damage to your motorcycle from accidents, fire and theft
• Injury to other people and damage to their property
• Personal accident cover for the rider
• Your helmet and riding gear, on some plans
• Towing and roadside help after a breakdown or accident

A lower premium does not always mean the same cover for less money. One plan may include helmet and gear cover. Another may leave it out. Compare what each plan includes, not only the price.

What is not covered

Some things fall outside a motorcycle policy:

• 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

The licence point matters for this example. A Class 2A licence covers bikes up to 400cc. If the person on the bike does not hold the right class, a claim can be refused.

How your own answers change the figure

The example is a starting point. Your own answers will differ in some places. Here is how to think about each one.

Your age. A rider younger or older than 35 is priced against a different group. Other price pages on this site show riders of other ages on the same kind of bike.

Your bike. If your bike is older, newer or in a different engine band, the price will move. A bike above 400cc is a different class of rider and bike.

Your claims record. The example has no claims. If you have made a claim, tell the insurer. Leaving it out can cause trouble later.

Your NCD. The example has a 20% NCD. If yours is higher or lower, expect a different figure. You can look at the NCD on your current policy or on your renewal notice.

Your use. Private use is the example. If you ride for work, the premium may be higher, and some plans may not cover it at all.

How to get an exact figure

The motorcycle prices on this page are estimates, and the lowest one is no exception. They are worked out for the bike and rider described. Each insurer prices your exact bike, your own riding record and your details when you press Buy Now, so the final premium can differ from the example.

Here is a simple way to get to your own number:

• Write down your bike's make, model, engine size and registration date.
• Check your licence class and how long you have held it.
• Find your NCD and any claims in the past few years.
• Decide whether the bike is for private use only.
• Compare the plans for what they cover, then press Buy Now on the plan you want priced.

You can also open the motorcycle insurance page to start from your own bike, or see all motorcycle plans compared.

Frequently asked questions

How much is motorcycle insurance for a 35-year-old on a 201 to 400cc bike?

Today, 11 November 2026, five insurers price this example from S$412.59 to S$543.62. That is for a male rider with a 20% NCD, no claims, and a bike used privately. Your own price may differ.

Why do insurers charge different prices for the same rider?

Each insurer weighs the bike, the rider and the riding record in its own way. So the same example can come out at different figures. The gap between the lowest and highest price today shows this.

Is the lowest price today the price I will pay?

No. Today's lowest price is an estimate for the example, not a quote for you. The insurer prices your exact bike and riding record when you press Buy Now, and the final premium can differ.

Does the policy cover a rider with the wrong licence class?

No. Riders without the right licence class are not covered. Riders not named on the policy, or riding outside its terms, are also outside cover.

Compare motorcycle insurance for a rider aged 35 on a Class 2A bike (201 to 400cc) today

The prices on this page update daily. See every plan priced for a rider aged 35 on a Class 2A bike (201 to 400cc), ranked by premium, with what the example assumes, or get a quote with your own details through Shenton Brokers.