Motorcycle insurance
How DirectAsia prices motorcycle insurance
Published prices
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/insurers/directasia/motorcycle
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 12 Nov 2026, DirectAsia's lowest motorcycle insurance price for Class 2B bike (up to 200cc), rider aged 30 is S$487.56 (GST included), DirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence).
What the figures include
Prices include 9% GST. The table's figures already include it.
Prices from this table are as at 4 Nov 2026, the day we last checked them against DirectAsia's own online quotes.
A plan's premium is its base figure, times each factor that applies, plus any additions. It is never below the plan's minimum.
DirectAsia motorcycle insurance prices by plan
DirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence)
Offered when Cover type is Comprehensive; Rider age 21 or more; Rider age up to 65; Years licensed 2 or more; Years since the registration year up to 30 years; At-fault claims up to 1; Usage is Private, delivery
How it's calculated
| Engine capacity | Figure |
|---|---|
| 200 cc | S$334.61 |
| 400 cc | S$411.18 |
| 750 cc | S$521.01 |
| 1,000 cc | S$720.88 |
| Rider age | Figure |
|---|---|
| 21 | ×4.072085 |
| 22 to 23 | ×2.896882 |
| 24 | ×2.556642 |
| 25 | ×2.154628 |
| 26 | ×1.752566 |
| 27 | ×1.597938 |
| 28 | ×1.443261 |
| 29 | ×1.340192 |
| 30 | ×1.08247 |
| 31 to 35 | ×1.061822 |
| 36 to 40 | ×1.00 |
| 41 to 55 | ×1.030887 |
| 56 to 65 | ×1.061822 |
| NCD | Figure |
|---|---|
| 0% | ×1.249988 |
| 10% | ×1.124957 |
| 15% | ×1.062479 |
| 20% | ×1.00 |
| Years licensed | Figure |
|---|---|
| 2 | ×1.049978 |
| 3 | ×1.029963 |
| 4 | ×1.019991 |
| 5 | ×1.009947 |
| 6 | ×1.00 |
| 10 | ×1.00 |
| At-fault claims | Figure |
|---|---|
| 0 | ×1.00 |
| 1 | ×1.099956 |
| Usage | Figure |
|---|---|
| Private | ×1.00 |
| delivery | ×1.916679 |
| Years since the registration year | Figure |
|---|---|
| 0 years | ×1.10268 |
| 1 year | ×1.017851 |
| 2 years | ×1.008877 |
| 3 years | ×1.00 |
| 4 to 30 years | ×0.9821 |
| Gender | Figure |
|---|---|
| Female | ×0.850017 |
| Male | ×1.00 |
Plus the charge DirectAsia makes for the S$0 excess (its "Voluntary Excess" line, by the rider's age and NCD) One figure for each of 3 bands of rider age × NCD. CSV
Excess None
The figure is an estimate when Engine capacity is 200 cc, 400 cc, 750 cc, 1,000 cc. DirectAsia prices by the bike's make and model, which this form does not ask: the figure shown is its price for one common bike of the capacity band (up to 200cc: Yamaha Sniper T150; the 9 other bikes sampled pay from 6% less to 9% more; 201 to 400cc: Honda CB 400 Superfour; the 9 other bikes sampled pay from 16% less to 18% more; 401 to 750cc: Kawasaki EX 650 D (Ninja 650); the 9 other bikes sampled pay from 19% less to 26% more; above 750cc: Honda CB 1000 R; the 12 other bikes sampled pay from 24% less to 58% more). It takes the rider as married; a single rider pays about 11% more. A rider with a Certificate of Merit at 20% NCD pays about 11% less on DirectAsia's site, which this form does not ask. It gave no price at all for one of the bikes sampled (Kawasaki KRR 150), so some models are not sold online. DirectAsia's own quote can sit above or below it.
DirectAsia Motorcycle Third party, fire and theft (riders 21 to 65 with two years of licence)
Offered when Cover type is Third party, fire and theft; Rider age 21 or more; Rider age up to 65; Years licensed 2 or more; Years since the registration year up to 30 years; At-fault claims up to 1; Usage is Private, delivery
How it's calculated
| Engine capacity | Figure |
|---|---|
| 200 cc | S$221.86 |
| 400 cc | S$261.82 |
| 750 cc | S$318.79 |
| 1,000 cc | S$424.98 |
| Rider age | Figure |
|---|---|
| 21 | ×4.072034 |
| 22 to 23 | ×2.896761 |
| 24 | ×2.556604 |
| 25 | ×2.154572 |
| 26 | ×1.75254 |
| 27 | ×1.597853 |
| 28 | ×1.443205 |
| 29 | ×1.340196 |
| 30 | ×1.082423 |
| 31 to 35 | ×1.061875 |
| 36 to 40 | ×1.00 |
| 41 to 55 | ×1.030937 |
| 56 to 65 | ×1.061875 |
| NCD | Figure |
|---|---|
| 0% | ×1.249981 |
| 10% | ×1.124971 |
| 15% | ×1.062447 |
| 20% | ×1.00 |
| Years licensed | Figure |
|---|---|
| 2 | ×1.049996 |
| 3 | ×1.029982 |
| 4 | ×1.020014 |
| 5 | ×1.009969 |
| 6 | ×1.00 |
| 10 | ×1.00 |
| At-fault claims | Figure |
|---|---|
| 0 | ×1.00 |
| 1 | ×1.099992 |
| Usage | Figure |
|---|---|
| Private | ×1.00 |
| delivery | ×2.041593 |
| Years since the registration year | Figure |
|---|---|
| 0 years | ×1.028569 |
| 1 year | ×1.00951 |
| 2 to 3 years | ×1.00 |
| 4 to 30 years | ×0.979643 |
| Gender | Figure |
|---|---|
| Female | ×0.850011 |
| Male | ×1.00 |
Excess S$600.00
The figure is an estimate when Engine capacity is 200 cc, 400 cc, 750 cc, 1,000 cc. DirectAsia prices by the bike's make and model, which this form does not ask: the figure shown is its price for one common bike of the capacity band (up to 200cc: Yamaha Sniper T150; the 9 other bikes sampled pay from 6% less to 9% more; 201 to 400cc: Honda CB 400 Superfour; the 9 other bikes sampled pay from 16% less to 18% more; 401 to 750cc: Kawasaki EX 650 D (Ninja 650); the 9 other bikes sampled pay from 19% less to 26% more; above 750cc: Honda CB 1000 R; the 12 other bikes sampled pay from 24% less to 58% more). It takes the rider as married; a single rider pays about 11% more. A rider with a Certificate of Merit at 20% NCD pays about 11% less on DirectAsia's site, which this form does not ask. It gave no price at all for one of the bikes sampled (Kawasaki KRR 150), so some models are not sold online. DirectAsia's own quote can sit above or below it.
DirectAsia Motorcycle Third party only (riders 21 to 65 with two years of licence)
Offered when Cover type is Third party only; Rider age 21 or more; Rider age up to 65; Years licensed 2 or more; Years since the registration year up to 30 years; At-fault claims up to 1; Usage is Private, delivery
How it's calculated
| Engine capacity | Figure |
|---|---|
| 200 cc | S$168.88 |
| 400 cc | S$196.13 |
| 750 cc | S$234.90 |
| 1,000 cc | S$308.03 |
| Rider age | Figure |
|---|---|
| 21 | ×4.072299 |
| 22 to 23 | ×2.897058 |
| 24 | ×2.556825 |
| 25 | ×2.154744 |
| 26 | ×1.752613 |
| 27 | ×1.597971 |
| 28 | ×1.443379 |
| 29 | ×1.340234 |
| 30 | ×1.082496 |
| 31 to 35 | ×1.061949 |
| 36 to 40 | ×1.00 |
| 41 to 55 | ×1.031 |
| 56 to 65 | ×1.061949 |
| NCD | Figure |
|---|---|
| 0% | ×1.249987 |
| 10% | ×1.12507 |
| 15% | ×1.062561 |
| 20% | ×1.00 |
| Years licensed | Figure |
|---|---|
| 2 | ×1.050018 |
| 3 | ×1.030031 |
| 4 | ×1.020038 |
| 5 | ×1.010044 |
| 6 | ×1.00 |
| 10 | ×1.00 |
| At-fault claims | Figure |
|---|---|
| 0 | ×1.00 |
| 1 | ×1.100036 |
| Usage | Figure |
|---|---|
| Private | ×1.00 |
| delivery | ×2.104268 |
| Years since the registration year | Figure |
|---|---|
| Up to 3 years | ×1.00 |
| 4 to 30 years | ×0.979707 |
| Gender | Figure |
|---|---|
| Female | ×0.850048 |
| Male | ×1.00 |
Excess None
The figure is an estimate when Engine capacity is 200 cc, 400 cc, 750 cc, 1,000 cc. DirectAsia prices by the bike's make and model, which this form does not ask: the figure shown is its price for one common bike of the capacity band (up to 200cc: Yamaha Sniper T150; the 9 other bikes sampled pay from 6% less to 9% more; 201 to 400cc: Honda CB 400 Superfour; the 9 other bikes sampled pay from 16% less to 18% more; 401 to 750cc: Kawasaki EX 650 D (Ninja 650); the 9 other bikes sampled pay from 19% less to 26% more; above 750cc: Honda CB 1000 R; the 12 other bikes sampled pay from 24% less to 58% more). It takes the rider as married; a single rider pays about 11% more. A rider with a Certificate of Merit at 20% NCD pays about 11% less on DirectAsia's site, which this form does not ask. It gave no price at all for one of the bikes sampled (Kawasaki KRR 150), so some models are not sold online. DirectAsia's own quote can sit above or below it.
Worked examples
These cases show how the table's figures add up. Every figure is an estimate (see the plans above), so the insurer's own quote may differ.
| Example | Answers | Working | Premium |
|---|---|---|---|
| Yamaha Sniper T150 (up to 200cc), comprehensive: man of 40, licence over 5 years, 20% NCD, no claims, commuting, registered 3 calendar years back DirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence) | NCD 20% · Usage Private · Gender Male · Engine capacity 200 cc · Rider age 40 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0 |
| S$406.03 |
| Yamaha Sniper T150 (up to 200cc), tpft: man of 40, licence over 5 years, 20% NCD, no claims, commuting, registered 3 calendar years back DirectAsia Motorcycle Third party, fire and theft (riders 21 to 65 with two years of licence) | NCD 20% · Usage Private · Gender Male · Engine capacity 200 cc · Rider age 40 · Cover type Third party, fire and theft · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0 |
| S$221.86 |
| Yamaha Sniper T150 (up to 200cc), tpo: man of 40, licence over 5 years, 20% NCD, no claims, commuting, registered 3 calendar years back DirectAsia Motorcycle Third party only (riders 21 to 65 with two years of licence) | NCD 20% · Usage Private · Gender Male · Engine capacity 200 cc · Rider age 40 · Cover type Third party only · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0 |
| S$168.88 |
| Honda CB 400 Superfour (201 to 400cc), comprehensive: man of 40, licence over 5 years, 20% NCD, no claims, commuting, registered 3 calendar years back DirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence) | NCD 20% · Usage Private · Gender Male · Engine capacity 400 cc · Rider age 40 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0 |
| S$482.60 |
| Honda CB 400 Superfour (201 to 400cc), tpft: man of 40, licence over 5 years, 20% NCD, no claims, commuting, registered 3 calendar years back DirectAsia Motorcycle Third party, fire and theft (riders 21 to 65 with two years of licence) | NCD 20% · Usage Private · Gender Male · Engine capacity 400 cc · Rider age 40 · Cover type Third party, fire and theft · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0 |
| S$261.82 |
| Honda CB 400 Superfour (201 to 400cc), tpo: man of 40, licence over 5 years, 20% NCD, no claims, commuting, registered 3 calendar years back DirectAsia Motorcycle Third party only (riders 21 to 65 with two years of licence) | NCD 20% · Usage Private · Gender Male · Engine capacity 400 cc · Rider age 40 · Cover type Third party only · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0 |
| S$196.13 |
Questions about DirectAsia motorcycle insurance
How much is DirectAsia motorcycle insurance?
On 12 Nov 2026, DirectAsia's lowest motorcycle insurance price for Class 2B bike (up to 200cc), rider aged 30 is S$487.56 on DirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence) (as at 4 Nov 2026), 5th lowest of 6 insurers we compare. It is the cheapest insurer on 1 of the 5 examples below.
Is DirectAsia the cheapest for motorcycle insurance?
On today's prices DirectAsia is the cheapest insurer on 1 of our 5 examples. The cheapest for you depends on your own details: compare them on the quote form.
Can I buy DirectAsia motorcycle insurance here?
You compare DirectAsia beside the other insurers here and buy with the plan's Buy Now link. We do not take payment or issue policies.
Where the figures come from
- DirectAsia – Motorcycle insurance cover types (TPO, TPFT, comprehensive; optional benefits)
- DirectAsia – Motorcycle insurance policy wording (served as a PDF, effective 01 Jul 2026)
Plus 2 files of saved quotes, data and screenshots from DirectAsia's online quote tool, kept with the table.
Before going live the table was checked against the insurer's own online quotes.
Your own premium depends on your answers. The prices shown are only available through our Buy Now link, which places your policy through Shenton Insurance Brokers. The insurer takes payment and issues the policy.