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Motorcycle insurance

How FWD prices motorcycle insurance

Published prices

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/insurers/fwd/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, FWD's lowest motorcycle insurance price for Class 2B bike (up to 200cc), rider aged 30 is S$386.72 (GST included), FWD Motorcycle Insurance (underwritten by Income) Comprehensive.

What the figures include

Prices include 9% GST. The table's figures are before GST, so each worked example adds it at the end.

Prices from this table are as at 4 Nov 2026, the day we last checked them against FWD'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.

FWD motorcycle insurance prices by plan

FWD Motorcycle Insurance (underwritten by Income) Third party only

Offered when Cover type is Third party only; Rider age 18 or more; At-fault claims up to 0; Years since the registration year up to 30 years; Usage is Private

How it's calculated
Base premium: the gateway's third party only premium before GST for the band's reference bike at the reference rider (40, married, riding 2 years or more, 0% NCD, a bike registered three calendar years back)
Engine capacityFigure
200 ccS$140.03
400 ccS$169.70
750 ccS$288.90
1,000 ccS$320.39
Multiplied by the rider's age
Rider ageFigure
18 to 20×4.446809
21×3.779797
22 to 23×2.651067
24×2.32089
25×1.972639
26 to 27×1.581168
28 to 30×1.343914
31 to 32×1.266774
33 to 35×1.194051
36 to 40×1.00
41 to 45×1.060893
46 to 60×1.103005
61 to 99×1.125516
Multiplied by the bike's registration year
Years since the registration yearFigure
0 years×1.125516
1 year×1.092713
2 years×1.060893
3 to 30 years×1.00
Multiplied by no claim discount
NCDFigure
0%×1.00
10%×0.90
15%×0.85
20%×0.80
Multiplied by a licence held under 2 years
Years licensedFigure
Up to 1×1.490403
2 and over×1.00

Excess None

The figure is an estimate when Usage is Private. FWD's quote (Income's gateway) prices by the bike's make, model and engine capacity, which this form does not ask: the figure shown is its price for one common bike of the capacity band (up to 200cc: Honda PCX125; the 8 other bikes sampled pay from 8% less to 21% more; 201 to 400cc: Honda CB400SF; the 6 other bikes sampled pay up to 27% more; 401 to 750cc: Kawasaki ER-6F; the 5 other bikes sampled pay up to 21% less; above 750cc: Honda CB1000R; the 8 other bikes sampled pay from 59% less to 18% more). FWD's own quote for your bike can sit above or below it.

FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theft

Offered when Cover type is Third party, fire and theft; Rider age 18 or more; At-fault claims up to 0; Years since the registration year up to 30 years; Usage is Private

How it's calculated
Base premium: the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider (40, married, riding 2 years or more, 0% NCD, a bike registered three calendar years back)
Engine capacityFigure
200 ccS$211.81
400 ccS$256.68
750 ccS$436.99
1,000 ccS$484.61

Multiplied by the rider's age: the same figures as FWD Motorcycle Insurance (underwritten by Income) Third party only above

Multiplied by the bike's registration year: the same figures as FWD Motorcycle Insurance (underwritten by Income) Third party only above

Multiplied by no claim discount: the same figures as FWD Motorcycle Insurance (underwritten by Income) Third party only above

Multiplied by a licence held under 2 years: the same figures as FWD Motorcycle Insurance (underwritten by Income) Third party only above

Excess Not published

The figure is an estimate when Usage is Private. FWD's quote (Income's gateway) prices by the bike's make, model and engine capacity, which this form does not ask: the figure shown is its price for one common bike of the capacity band (up to 200cc: Honda PCX125; the 8 other bikes sampled pay from 8% less to 21% more; 201 to 400cc: Honda CB400SF; the 6 other bikes sampled pay up to 27% more; 401 to 750cc: Kawasaki ER-6F; the 5 other bikes sampled pay up to 21% less; above 750cc: Honda CB1000R; the 8 other bikes sampled pay from 59% less to 18% more). FWD's own quote for your bike can sit above or below it.

FWD Motorcycle Insurance (underwritten by Income) Comprehensive

Offered when Cover type is Comprehensive; Rider age 18 or more; At-fault claims up to 0; Years since the registration year up to 30 years; Usage is Private

How it's calculated
Base premium: the gateway's comprehensive premium before GST for the band's reference bike at the reference rider (40, married, riding 2 years or more, 0% NCD, a bike registered three calendar years back)
Engine capacityFigure
200 ccS$330.00
400 ccS$399.90
750 ccS$680.81
1,000 ccS$755.01

Multiplied by the rider's age: the same figures as FWD Motorcycle Insurance (underwritten by Income) Third party only above

Multiplied by the bike's registration year: the same figures as FWD Motorcycle Insurance (underwritten by Income) Third party only above

Multiplied by no claim discount: the same figures as FWD Motorcycle Insurance (underwritten by Income) Third party only above

Multiplied by a licence held under 2 years: the same figures as FWD Motorcycle Insurance (underwritten by Income) Third party only above

Excess S$500.00

The figure is an estimate when Usage is Private. FWD's quote (Income's gateway) prices by the bike's make, model and engine capacity, which this form does not ask: the figure shown is its price for one common bike of the capacity band (up to 200cc: Honda PCX125; the 8 other bikes sampled pay from 8% less to 21% more; 201 to 400cc: Honda CB400SF; the 6 other bikes sampled pay up to 27% more; 401 to 750cc: Kawasaki ER-6F; the 5 other bikes sampled pay up to 21% less; above 750cc: Honda CB1000R; the 8 other bikes sampled pay from 59% less to 18% more). FWD's own quote for your bike can sit above or below it.

Whose plans these are

FWD sells Income Insurance's plans: Income Insurance underwrites them and prices each quote, and FWD sells them under its own agent code. So the plans, and the car models with no online price, are the same as on Income Insurance's page; the price can differ by FWD's own discount.

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.

ExampleAnswersWorkingPremium
Honda PCX125 (up to 200cc), tpo: rider 40, licence 10 years, 0% NCD, registered 3 calendar years back (bands/ref-200) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 0% · Usage Private · 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
  1. Base S$140.03 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. + 9% GST = S$152.63
S$152.63
Honda PCX125 (up to 200cc), tpft: rider 40, licence 10 years, 0% NCD, registered 3 calendar years back (bands/ref-200) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · 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
  1. Base S$211.81 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. + 9% GST = S$230.87
S$230.87
Honda PCX125 (up to 200cc), comprehensive: rider 40, licence 10 years, 0% NCD, registered 3 calendar years back (bands/ref-200) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 200 cc · Rider age 40 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$330.00 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. + 9% GST = S$359.70
S$359.70
Honda CB400SF (201 to 400cc), tpo: rider 40, licence 10 years, 0% NCD, registered 3 calendar years back (bands/ref-400) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 0% · Usage Private · 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
  1. Base S$169.70 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. + 9% GST = S$184.97
S$184.97
Honda CB400SF (201 to 400cc), tpft: rider 40, licence 10 years, 0% NCD, registered 3 calendar years back (bands/ref-400) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · 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
  1. Base S$256.68 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. + 9% GST = S$279.78
S$279.78
Honda CB400SF (201 to 400cc), comprehensive: rider 40, licence 10 years, 0% NCD, registered 3 calendar years back (bands/ref-400) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 40 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. + 9% GST = S$435.89
S$435.89
Show the other 54 examples
ExampleAnswersWorkingPremium
Kawasaki ER-6F (401 to 750cc), tpo: rider 40, licence 10 years, 0% NCD, registered 3 calendar years back (bands/ref-750) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 0% · Usage Private · Engine capacity 750 cc · Rider age 40 · Cover type Third party only · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$288.90 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. + 9% GST = S$314.90
S$314.90
Kawasaki ER-6F (401 to 750cc), tpft: rider 40, licence 10 years, 0% NCD, registered 3 calendar years back (bands/ref-750) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · Engine capacity 750 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
  1. Base S$436.99 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. + 9% GST = S$476.32
S$476.32
Kawasaki ER-6F (401 to 750cc), comprehensive: rider 40, licence 10 years, 0% NCD, registered 3 calendar years back (bands/ref-750) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 750 cc · Rider age 40 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$680.81 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. + 9% GST = S$742.08
S$742.08
Honda CB1000R (above 750cc), tpo: rider 40, licence 10 years, 0% NCD, registered 3 calendar years back (bands/ref-1000) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 0% · Usage Private · Engine capacity 1,000 cc · Rider age 40 · Cover type Third party only · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$320.39 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. + 9% GST = S$349.23
S$349.23
Honda CB1000R (above 750cc), tpft: rider 40, licence 10 years, 0% NCD, registered 3 calendar years back (bands/ref-1000) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · Engine capacity 1,000 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
  1. Base S$484.61 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. + 9% GST = S$528.22
S$528.22
Honda CB1000R (above 750cc), comprehensive: rider 40, licence 10 years, 0% NCD, registered 3 calendar years back (bands/ref-1000) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 1,000 cc · Rider age 40 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$755.01 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. + 9% GST = S$822.96
S$822.96
Honda CB400SF (201 to 400cc), comprehensive: rider 65, licence 10 years, 0% NCD, registered 3 calendar years back (factors/age-65) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 65 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 1.125516 (the rider's age) = S$450.09
  3. + 9% GST = S$490.60
S$490.60
Honda CB400SF (201 to 400cc), comprehensive: rider 40, licence 10 years, 0% NCD, registered 0 calendar years back (factors/reg-0) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 40 · Cover type Comprehensive · Years since the registration year 0 years · Years licensed 10 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 1.125516 (the bike's registration year) = S$450.09
  3. + 9% GST = S$490.60
S$490.60
Honda CB400SF (201 to 400cc), comprehensive: rider 40, licence 10 years, 20% NCD, registered 3 calendar years back (factors/ncd-20) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 20% · Usage Private · Engine capacity 400 cc · Rider age 40 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 0.80 (no claim discount) = S$319.92
  3. + 9% GST = S$348.71
S$348.71
Honda CB400SF (201 to 400cc), comprehensive: rider 40, licence under 2 years, 0% NCD, registered 3 calendar years back (factors/lt2) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 40 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 1 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 1.490403 (a licence held under 2 years) = S$596.01
  3. + 9% GST = S$649.65
S$649.65
Honda CB400SF (201 to 400cc), comprehensive: rider 40, woman, licence 10 years, 0% NCD, registered 3 calendar years back (factors/female) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 40 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. + 9% GST = S$435.89
S$435.89
Honda CB400SF (201 to 400cc), comprehensive: rider 18, licence 10 years, 0% NCD, registered 0 calendar years back (cross/age-18-reg-0) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 18 · Cover type Comprehensive · Years since the registration year 0 years · Years licensed 10 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 4.446809 (the rider's age) = S$1,778.28
  3. × 1.125516 (the bike's registration year) = S$2,001.48
  4. + 9% GST = S$2,181.61
S$2,181.61
Honda CB400SF (201 to 400cc), tpft: rider 21, licence under 2 years, 0% NCD, registered 3 calendar years back (cross/age-21-lt2) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 21 · Cover type Third party, fire and theft · Years since the registration year 3 years · Years licensed 1 · At-fault claims 0
  1. Base S$256.68 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 3.779797 (the rider's age) = S$970.20
  3. × 1.490403 (a licence held under 2 years) = S$1,445.99
  4. + 9% GST = S$1,576.13
S$1,576.13
Honda CB400SF (201 to 400cc), tpft: rider 21, licence 10 years, 0% NCD, registered 0 calendar years back (cross/age-21-reg-0) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 21 · Cover type Third party, fire and theft · Years since the registration year 0 years · Years licensed 10 · At-fault claims 0
  1. Base S$256.68 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 3.779797 (the rider's age) = S$970.20
  3. × 1.125516 (the bike's registration year) = S$1,091.98
  4. − S$0.01 rounding (the insurer rounds once, at the end) = S$1,091.97
  5. + 9% GST = S$1,190.25
S$1,190.25
Honda CB400SF (201 to 400cc), comprehensive: rider 21, licence 10 years, 0% NCD, registered 0 calendar years back (cross/age-21-reg-0) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 21 · Cover type Comprehensive · Years since the registration year 0 years · Years licensed 10 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 3.779797 (the rider's age) = S$1,511.54
  3. × 1.125516 (the bike's registration year) = S$1,701.26
  4. + 9% GST = S$1,854.37
S$1,854.37
Honda CB400SF (201 to 400cc), tpo: rider 21, licence 10 years, 0% NCD, registered 1 calendar years back (cross/age-21-reg-1) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 21 · Cover type Third party only · Years since the registration year 1 year · Years licensed 10 · At-fault claims 0
  1. Base S$169.70 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. × 3.779797 (the rider's age) = S$641.43
  3. × 1.092713 (the bike's registration year) = S$700.90
  4. + 9% GST = S$763.98
S$763.98
Honda CB400SF (201 to 400cc), comprehensive: rider 24, licence under 2 years, 0% NCD, registered 3 calendar years back (cross/age-24-lt2) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 24 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 1 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 2.32089 (the rider's age) = S$928.12
  3. × 1.490403 (a licence held under 2 years) = S$1,383.27
  4. + S$0.01 rounding (the insurer rounds once, at the end) = S$1,383.28
  5. + 9% GST = S$1,507.78
S$1,507.78
Honda CB400SF (201 to 400cc), tpft: rider 24, woman, licence 10 years, 0% NCD, registered 3 calendar years back (cross/age-24-f) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 24 · Cover type Third party, fire and theft · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$256.68 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 2.32089 (the rider's age) = S$595.73
  3. + 9% GST = S$649.35
S$649.35
Honda CB400SF (201 to 400cc), tpft: rider 24, licence 10 years, 0% NCD, registered 3 calendar years back (cross/age-24-single) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 24 · Cover type Third party, fire and theft · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$256.68 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 2.32089 (the rider's age) = S$595.73
  3. + 9% GST = S$649.35
S$649.35
Honda CB400SF (201 to 400cc), tpo: rider 24, licence 10 years, 20% NCD, registered 3 calendar years back (cross/age-24-ncd20) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 20% · Usage Private · Engine capacity 400 cc · Rider age 24 · Cover type Third party only · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$169.70 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. × 2.32089 (the rider's age) = S$393.86
  3. × 0.80 (no claim discount) = S$315.09
  4. − S$0.01 rounding (the insurer rounds once, at the end) = S$315.08
  5. + 9% GST = S$343.44
S$343.44
Honda CB400SF (201 to 400cc), tpft: rider 24, licence 10 years, 20% NCD, registered 3 calendar years back (cross/age-24-ncd20) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 20% · Usage Private · Engine capacity 400 cc · Rider age 24 · Cover type Third party, fire and theft · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$256.68 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 2.32089 (the rider's age) = S$595.73
  3. × 0.80 (no claim discount) = S$476.58
  4. + 9% GST = S$519.47
S$519.47
Honda CB400SF (201 to 400cc), comprehensive: rider 24, licence 10 years, 20% NCD, registered 3 calendar years back (cross/age-24-ncd20) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 20% · Usage Private · Engine capacity 400 cc · Rider age 24 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 2.32089 (the rider's age) = S$928.12
  3. × 0.80 (no claim discount) = S$742.50
  4. + 9% GST = S$809.33
S$809.33
Honda CB400SF (201 to 400cc), tpft: rider 24, licence 10 years, 0% NCD, registered 0 calendar years back (cross/age-24-reg-0) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 24 · Cover type Third party, fire and theft · Years since the registration year 0 years · Years licensed 10 · At-fault claims 0
  1. Base S$256.68 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 2.32089 (the rider's age) = S$595.73
  3. × 1.125516 (the bike's registration year) = S$670.50
  4. + 9% GST = S$730.85
S$730.85
Honda CB400SF (201 to 400cc), comprehensive: rider 24, licence 10 years, 0% NCD, registered 0 calendar years back (cross/age-24-reg-0) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 24 · Cover type Comprehensive · Years since the registration year 0 years · Years licensed 10 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 2.32089 (the rider's age) = S$928.12
  3. × 1.125516 (the bike's registration year) = S$1,044.61
  4. + S$0.01 rounding (the insurer rounds once, at the end) = S$1,044.62
  5. + 9% GST = S$1,138.64
S$1,138.64
Honda CB400SF (201 to 400cc), tpo: rider 24, licence 10 years, 0% NCD, registered 1 calendar years back (cross/age-24-reg-1) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 24 · Cover type Third party only · Years since the registration year 1 year · Years licensed 10 · At-fault claims 0
  1. Base S$169.70 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. × 2.32089 (the rider's age) = S$393.86
  3. × 1.092713 (the bike's registration year) = S$430.38
  4. − S$0.01 rounding (the insurer rounds once, at the end) = S$430.37
  5. + 9% GST = S$469.10
S$469.10
Honda CB400SF (201 to 400cc), tpft: rider 24, licence 10 years, 0% NCD, registered 8 calendar years back (cross/age-24-reg-8) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 24 · Cover type Third party, fire and theft · Years since the registration year 8 years · Years licensed 10 · At-fault claims 0
  1. Base S$256.68 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 2.32089 (the rider's age) = S$595.73
  3. + 9% GST = S$649.35
S$649.35
Honda CB400SF (201 to 400cc), tpft: rider 24, licence 10 years, 0% NCD, registered 15 calendar years back (cross/age-24-reg-15) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 24 · Cover type Third party, fire and theft · Years since the registration year 15 years · Years licensed 10 · At-fault claims 0
  1. Base S$256.68 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 2.32089 (the rider's age) = S$595.73
  3. + 9% GST = S$649.35
S$649.35
Honda CB400SF (201 to 400cc), tpft: rider 24, licence 10 years, 0% NCD, registered 20 calendar years back (cross/age-24-reg-20) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 24 · Cover type Third party, fire and theft · Years since the registration year 20 years · Years licensed 10 · At-fault claims 0
  1. Base S$256.68 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 2.32089 (the rider's age) = S$595.73
  3. + 9% GST = S$649.35
S$649.35
Honda CB400SF (201 to 400cc), tpo: rider 30, licence under 2 years, 0% NCD, registered 3 calendar years back (cross/age-30-lt2) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 30 · Cover type Third party only · Years since the registration year 3 years · Years licensed 1 · At-fault claims 0
  1. Base S$169.70 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. × 1.343914 (the rider's age) = S$228.06
  3. × 1.490403 (a licence held under 2 years) = S$339.90
  4. + 9% GST = S$370.49
S$370.49
Honda CB400SF (201 to 400cc), comprehensive: rider 30, licence under 2 years, 0% NCD, registered 3 calendar years back (cross/age-30-lt2) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 30 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 1 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 1.343914 (the rider's age) = S$537.43
  3. × 1.490403 (a licence held under 2 years) = S$800.99
  4. + 9% GST = S$873.08
S$873.08
Honda CB400SF (201 to 400cc), tpo: rider 30, woman, licence 10 years, 0% NCD, registered 3 calendar years back (cross/age-30-f) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 30 · Cover type Third party only · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$169.70 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. × 1.343914 (the rider's age) = S$228.06
  3. + 9% GST = S$248.59
S$248.59
Honda CB400SF (201 to 400cc), tpft: rider 30, woman, licence 10 years, 0% NCD, registered 3 calendar years back (cross/age-30-f) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 30 · Cover type Third party, fire and theft · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$256.68 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 1.343914 (the rider's age) = S$344.96
  3. + 9% GST = S$376.01
S$376.01
Honda CB400SF (201 to 400cc), comprehensive: rider 30, woman, licence 10 years, 0% NCD, registered 3 calendar years back (cross/age-30-f) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 30 · Cover type Comprehensive · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 1.343914 (the rider's age) = S$537.43
  3. + 9% GST = S$585.80
S$585.80
Honda CB400SF (201 to 400cc), tpo: rider 30, licence 10 years, 0% NCD, registered 3 calendar years back (cross/age-30-single) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 0% · Usage Private · Engine capacity 400 cc · Rider age 30 · Cover type Third party only · Years since the registration year 3 years · Years licensed 10 · At-fault claims 0
  1. Base S$169.70 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. × 1.343914 (the rider's age) = S$228.06
  3. + 9% GST = S$248.59
S$248.59
Kawasaki ER-6F (401 to 750cc), tpo: rider 53, licence 10 years, 0% NCD, registered 5 calendar years back (verify/v0) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 0% · Usage Private · Engine capacity 750 cc · Rider age 53 · Cover type Third party only · Years since the registration year 5 years · Years licensed 10 · At-fault claims 0
  1. Base S$288.90 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. × 1.103005 (the rider's age) = S$318.66
  3. + 9% GST = S$347.34
S$347.34
Kawasaki ER-6F (401 to 750cc), tpft: rider 53, licence 10 years, 0% NCD, registered 5 calendar years back (verify/v0) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 0% · Usage Private · Engine capacity 750 cc · Rider age 53 · Cover type Third party, fire and theft · Years since the registration year 5 years · Years licensed 10 · At-fault claims 0
  1. Base S$436.99 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 1.103005 (the rider's age) = S$482.00
  3. + 9% GST = S$525.38
S$525.38
Honda CB400SF (201 to 400cc), tpo: rider 58, licence 10 years, 20% NCD, registered 2 calendar years back (verify/v1) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 20% · Usage Private · Engine capacity 400 cc · Rider age 58 · Cover type Third party only · Years since the registration year 2 years · Years licensed 10 · At-fault claims 0
  1. Base S$169.70 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. × 1.103005 (the rider's age) = S$187.18
  3. × 1.060893 (the bike's registration year) = S$198.58
  4. × 0.80 (no claim discount) = S$158.86
  5. + 9% GST = S$173.16
S$173.16
Honda CB400SF (201 to 400cc), tpft: rider 58, licence 10 years, 20% NCD, registered 2 calendar years back (verify/v1) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 20% · Usage Private · Engine capacity 400 cc · Rider age 58 · Cover type Third party, fire and theft · Years since the registration year 2 years · Years licensed 10 · At-fault claims 0
  1. Base S$256.68 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 1.103005 (the rider's age) = S$283.12
  3. × 1.060893 (the bike's registration year) = S$300.36
  4. × 0.80 (no claim discount) = S$240.29
  5. + 9% GST = S$261.92
S$261.92
Honda CB400SF (201 to 400cc), comprehensive: rider 58, licence 10 years, 20% NCD, registered 2 calendar years back (verify/v1) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 20% · Usage Private · Engine capacity 400 cc · Rider age 58 · Cover type Comprehensive · Years since the registration year 2 years · Years licensed 10 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 1.103005 (the rider's age) = S$441.09
  3. × 1.060893 (the bike's registration year) = S$467.95
  4. × 0.80 (no claim discount) = S$374.36
  5. + 9% GST = S$408.05
S$408.05
Kawasaki ER-6F (401 to 750cc), comprehensive: rider 65, woman, licence 10 years, 15% NCD, registered 0 calendar years back (verify/v2) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 15% · Usage Private · Engine capacity 750 cc · Rider age 65 · Cover type Comprehensive · Years since the registration year 0 years · Years licensed 10 · At-fault claims 0
  1. Base S$680.81 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 1.125516 (the rider's age) = S$766.26
  3. × 1.125516 (the bike's registration year) = S$862.44
  4. × 0.85 (no claim discount) = S$733.07
  5. + 9% GST = S$799.05
S$799.05
Honda CB400SF (201 to 400cc), tpo: rider 59, woman, licence 10 years, 10% NCD, registered 9 calendar years back (verify/v3) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 10% · Usage Private · Engine capacity 400 cc · Rider age 59 · Cover type Third party only · Years since the registration year 9 years · Years licensed 10 · At-fault claims 0
  1. Base S$169.70 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. × 1.103005 (the rider's age) = S$187.18
  3. × 0.90 (no claim discount) = S$168.46
  4. + 9% GST = S$183.62
S$183.62
Honda CB400SF (201 to 400cc), tpft: rider 59, woman, licence 10 years, 10% NCD, registered 9 calendar years back (verify/v3) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 10% · Usage Private · Engine capacity 400 cc · Rider age 59 · Cover type Third party, fire and theft · Years since the registration year 9 years · Years licensed 10 · At-fault claims 0
  1. Base S$256.68 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 1.103005 (the rider's age) = S$283.12
  3. × 0.90 (no claim discount) = S$254.81
  4. + 9% GST = S$277.74
S$277.74
Honda CB400SF (201 to 400cc), comprehensive: rider 59, woman, licence 10 years, 10% NCD, registered 9 calendar years back (verify/v3) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 10% · Usage Private · Engine capacity 400 cc · Rider age 59 · Cover type Comprehensive · Years since the registration year 9 years · Years licensed 10 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 1.103005 (the rider's age) = S$441.09
  3. × 0.90 (no claim discount) = S$396.98
  4. + 9% GST = S$432.71
S$432.71
Honda CB1000R (above 750cc), comprehensive: rider 45, woman, licence 10 years, 15% NCD, registered 6 calendar years back (verify/v5) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 15% · Usage Private · Engine capacity 1,000 cc · Rider age 45 · Cover type Comprehensive · Years since the registration year 6 years · Years licensed 10 · At-fault claims 0
  1. Base S$755.01 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 1.060893 (the rider's age) = S$800.98
  3. × 0.85 (no claim discount) = S$680.83
  4. + S$0.01 rounding (the insurer rounds once, at the end) = S$680.84
  5. + 9% GST = S$742.12
S$742.12
Honda CB400SF (201 to 400cc), comprehensive: rider 61, licence under 2 years, 15% NCD, registered 4 calendar years back (verify/v6) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 15% · Usage Private · Engine capacity 400 cc · Rider age 61 · Cover type Comprehensive · Years since the registration year 4 years · Years licensed 1 · At-fault claims 0
  1. Base S$399.90 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 1.125516 (the rider's age) = S$450.09
  3. × 0.85 (no claim discount) = S$382.58
  4. × 1.490403 (a licence held under 2 years) = S$570.20
  5. + 9% GST = S$621.52
S$621.52
Kawasaki ER-6F (401 to 750cc), tpo: rider 41, licence 10 years, 10% NCD, registered 6 calendar years back (verify/v8) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 10% · Usage Private · Engine capacity 750 cc · Rider age 41 · Cover type Third party only · Years since the registration year 6 years · Years licensed 10 · At-fault claims 0
  1. Base S$288.90 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. × 1.060893 (the rider's age) = S$306.49
  3. × 0.90 (no claim discount) = S$275.84
  4. + 9% GST = S$300.67
S$300.67
Kawasaki ER-6F (401 to 750cc), tpft: rider 41, licence 10 years, 10% NCD, registered 6 calendar years back (verify/v8) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 10% · Usage Private · Engine capacity 750 cc · Rider age 41 · Cover type Third party, fire and theft · Years since the registration year 6 years · Years licensed 10 · At-fault claims 0
  1. Base S$436.99 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 1.060893 (the rider's age) = S$463.60
  3. × 0.90 (no claim discount) = S$417.24
  4. + 9% GST = S$454.79
S$454.79
Kawasaki ER-6F (401 to 750cc), comprehensive: rider 41, licence 10 years, 10% NCD, registered 6 calendar years back (verify/v8) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 10% · Usage Private · Engine capacity 750 cc · Rider age 41 · Cover type Comprehensive · Years since the registration year 6 years · Years licensed 10 · At-fault claims 0
  1. Base S$680.81 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 1.060893 (the rider's age) = S$722.27
  3. × 0.90 (no claim discount) = S$650.04
  4. + 9% GST = S$708.54
S$708.54
Honda CB1000R (above 750cc), tpo: rider 49, woman, licence 10 years, 20% NCD, registered 12 calendar years back (verify/v9) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 20% · Usage Private · Engine capacity 1,000 cc · Rider age 49 · Cover type Third party only · Years since the registration year 12 years · Years licensed 10 · At-fault claims 0
  1. Base S$320.39 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. × 1.103005 (the rider's age) = S$353.39
  3. × 0.80 (no claim discount) = S$282.71
  4. + 9% GST = S$308.15
S$308.15
Honda CB1000R (above 750cc), tpft: rider 49, woman, licence 10 years, 20% NCD, registered 12 calendar years back (verify/v9) FWD Motorcycle Insurance (underwritten by Income) Third party, fire and theftNCD 20% · Usage Private · Engine capacity 1,000 cc · Rider age 49 · Cover type Third party, fire and theft · Years since the registration year 12 years · Years licensed 10 · At-fault claims 0
  1. Base S$484.61 (the gateway's third party, fire and theft premium before GST for the band's reference bike at the reference rider)
  2. × 1.103005 (the rider's age) = S$534.53
  3. × 0.80 (no claim discount) = S$427.62
  4. + 9% GST = S$466.11
S$466.11
Honda CB1000R (above 750cc), comprehensive: rider 49, woman, licence 10 years, 20% NCD, registered 12 calendar years back (verify/v9) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 20% · Usage Private · Engine capacity 1,000 cc · Rider age 49 · Cover type Comprehensive · Years since the registration year 12 years · Years licensed 10 · At-fault claims 0
  1. Base S$755.01 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 1.103005 (the rider's age) = S$832.78
  3. × 0.80 (no claim discount) = S$666.22
  4. + 9% GST = S$726.18
S$726.18
Kawasaki ER-6F (401 to 750cc), tpo: rider 26, licence under 2 years, 20% NCD, registered 9 calendar years back (verify/v10) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 20% · Usage Private · Engine capacity 750 cc · Rider age 26 · Cover type Third party only · Years since the registration year 9 years · Years licensed 1 · At-fault claims 0
  1. Base S$288.90 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. × 1.581168 (the rider's age) = S$456.80
  3. × 0.80 (no claim discount) = S$365.44
  4. × 1.490403 (a licence held under 2 years) = S$544.65
  5. + 9% GST = S$593.67
S$593.67
Kawasaki ER-6F (401 to 750cc), tpo: rider 68, woman, licence under 2 years, 10% NCD, registered 0 calendar years back (verify/v11) FWD Motorcycle Insurance (underwritten by Income) Third party onlyNCD 10% · Usage Private · Engine capacity 750 cc · Rider age 68 · Cover type Third party only · Years since the registration year 0 years · Years licensed 1 · At-fault claims 0
  1. Base S$288.90 (the gateway's third party only premium before GST for the band's reference bike at the reference rider)
  2. × 1.125516 (the rider's age) = S$325.16
  3. × 1.125516 (the bike's registration year) = S$365.97
  4. × 0.90 (no claim discount) = S$329.37
  5. × 1.490403 (a licence held under 2 years) = S$490.89
  6. + S$0.01 rounding (the insurer rounds once, at the end) = S$490.90
  7. + 9% GST = S$535.08
S$535.08
Honda PCX125 (up to 200cc), comprehensive: rider 21, woman, licence 10 years, 0% NCD, registered 4 calendar years back (verify/v12) FWD Motorcycle Insurance (underwritten by Income) ComprehensiveNCD 0% · Usage Private · Engine capacity 200 cc · Rider age 21 · Cover type Comprehensive · Years since the registration year 4 years · Years licensed 10 · At-fault claims 0
  1. Base S$330.00 (the gateway's comprehensive premium before GST for the band's reference bike at the reference rider)
  2. × 3.779797 (the rider's age) = S$1,247.33
  3. + 9% GST = S$1,359.59
S$1,359.59

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Questions about FWD motorcycle insurance

How much is FWD motorcycle insurance?

On 12 Nov 2026, FWD's lowest motorcycle insurance price for Class 2B bike (up to 200cc), rider aged 30 is S$386.72 on FWD Motorcycle Insurance (underwritten by Income) Comprehensive (as at 4 Nov 2026), 3rd lowest of 6 insurers we compare. It prices 4 of the 5 examples below.

Is FWD the cheapest for motorcycle insurance?

Not on today's examples: its best place is 2nd lowest of 6 insurers. The cheapest for you depends on your own details.

Can I buy FWD motorcycle insurance here?

You compare FWD 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

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Before going live the table was checked against the insurer's own online quotes and matched to the insurer's own published documents (brochure, factsheet or policy wording).

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