Motorcycle insurance
Compare motorcycle insurance from your bike and riding record.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/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.
What's covered
- Damage to your motorcycle from accidents, fire and theft (comprehensive)
- 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
What's not covered
- Riding under the influence of alcohol or drugs
- Riders not named on the policy, outside its terms, or without the right licence class
- Racing, track days and stunts
- Wear and tear, and mechanical breakdown
How comparing motorcycle insurance works here
Answer the questions about your bike, your riding record and yourself, all on one page. You'll then see prices from the insurers on our panel, from the lowest up, with the ones that can't cover you named and the reason given.
When you pick a plan, use its Buy Now link. The prices shown are only available through these links. The insurer takes payment and issues the policy.
Before you choose
- The excess is what you pay towards each claim for damage to your own bike. Young or new riders often pay a higher one.
- Your No Claim Discount on a motorcycle stops at 20%: 10% after one claim-free year, 15% after two, 20% after three. It belongs to you, not the bike, and moves with you to a new insurer.
- Workshops differ. Some plans send you to the insurer's panel workshops; others let you choose.
- Riding gear is covered on some plans and not others. A helmet and jacket can cost more than a year's premium.
What sets your premium
- Your bike. Engine capacity above all: a Class 2B bike up to 200cc costs least to insure, a big bike above 750cc most. The bike's age matters too.
- The rider. Age and years of riding. Riders under 25 and riders in their first year of licence pay more and carry a higher excess.
- Your No Claim Discount. Up to 20% off.
- Claims. A recent at-fault claim raises the price, and some insurers won't quote online with more than one.
- How you ride. Food and parcel delivery is priced higher than private riding, and some insurers don't cover it at all.
Comprehensive, third party fire and theft, or third party only
- Comprehensive pays for damage to your own bike as well as what you do to others. It suits a newer or bigger bike.
- Third party, fire and theft covers what you do to others, plus your bike if it is stolen or catches fire. Theft is the most common motorcycle claim, so many riders of older bikes choose this.
- Third party only is the legal minimum. It covers injury to others and damage to their property, never your own bike. The prices here are for comprehensive cover; change the cover on the results page to see the other two.
Licence classes
| Class | Bikes | Minimum before the next class |
|---|---|---|
| 2B | Up to 200cc | 1 year |
| 2A | 201 to 400cc | 1 year |
| 2 | Any capacity | — |
Insurers price by capacity, so the form asks for your bike's band rather than its make. A claim on a bike your licence class doesn't allow is not paid.
See prices for your motorcycle
We work out example prices for every licence class, for riders from 21 to 70, a new rider and a delivery rider. See the motorcycle insurance prices by licence class and rider, start with a Class 2B bike and a rider aged 30 or a big bike and a rider aged 40, browse the motorcycle insurance price pages, or compare two insurers side by side.
What motorcycle insurance costs today
- Class 2B bike (up to 200cc), rider aged 305 insurers price this, from S$368.78 to S$519.08 (as at 3 Nov 2026).
- Class 2A bike (201 to 400cc), rider aged 355 insurers price this, from S$412.59 to S$543.62 (as at 3 Nov 2026).
- Big bike (above 750cc), rider aged 455 insurers price this, from S$664.93 to S$951.00 (as at 3 Nov 2026).
- Delivery rider, Class 2B bike, aged 281 insurer prices this, at S$1,193.75 (as at 4 Nov 2026).
- New rider aged 22, Class 2B bike3 insurers price this, from S$1,292.76 to S$1,421.23 (as at 3 Nov 2026).
Worked out today from each insurer’s current rates; a price from an insurer’s published table gives the date we read it (“as at”). Open an example to see what we assumed and every plan. Your own price depends on your answers.
Questions people ask
What is the motorcycle No Claim Discount?
A discount of 10% after one year without a claim, 15% after two and 20% after three or more. Unlike a car's NCD, it stops at 20%. One at-fault claim takes it down a step or two, or back to 0%.
Comprehensive or third party?
Comprehensive also pays for damage to your own bike. Third party only covers what you do to others, so it suits an older bike that is worth little. Third party, fire and theft adds the bike if it is stolen or burns.
Does the licence class matter?
Yes. A Class 2B licence covers bikes up to 200cc, 2A up to 400cc and Class 2 any capacity. Insurers price by capacity, and a claim on a bike your licence class does not allow is not paid.
I ride for a delivery platform. Can I compare here?
Yes, choose "Food or parcel delivery" on the form. Some insurers price delivery riding higher and some don't cover it; the results say which.