Typical motorcycle insurance quotes
Class 2 bike (401 to 750cc): motorcycle insurance for a rider aged 50 with a 10% NCD
What comprehensive motorcycle insurance costs today for a rider aged 50, licence held 10 years or more, with a 10% NCD, private use, on a Class 2 bike (401 to 750cc) registered 3 years ago. Most prices are estimates, and each says how.
In short
On 12 Nov 2026, comprehensive motorcycle insurance for a Class 2 bike (401 to 750cc) ridden by a rider aged 50 with a 10% NCD costs from S$595.85 a year (GST included) at ECICS; 5 insurers price it online, up to S$736.67 at FWD.
Compare every insurer we price for a big bike (above 750cc), rider aged 45 on one page: https://shentonbrokers.com/prices/motorcycle/class-2-big-bike-45
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/motorcycle-insurance-quotes/class-2-age-50/ncd-10
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.
- Cheapest: S$595.85 a year at ECICS; the middle of 5 insurers is S$716.91.
- The same rider (20% NCD, no claims) pays from S$529.64.
Insurer by insurer
| Insurer | A year | Excess | Personal accident | Helmet and riding gear |
|---|---|---|---|---|
| ECICSECICS Motorcycle Insurance Comprehensive (riders 22 to 70, no delivery use)Buy Now | S$595.85 | S$500.00 | S$1,000 for the policyholder and named riders, included; Personal Accident+ add-on S$32.70 | Not covered |
| DirectAsiaDirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence)Buy Now | S$686.62 | S$0.00 | Optional benefit (S$100,000 for the rider, S$54.50 a year on DirectAsia's quote) | Not stated on the cover types page |
| EtiqaTiq ePROTECT motorcycle Comprehensive (riders 26 to 65, personal use)Buy Now | S$716.91 | S$750.00 | S$5,000 on the rider's accidental death (riders aged 18 to 60; not while riding pillion), from the policy wording | Not covered |
| IncomeIncome Motorcycle Insurance ComprehensiveBuy Now | S$736.67 | S$500.00 | S$1,000, at no extra cost | Not stated in the brochure or the conditions |
| FWDFWD Motorcycle Insurance (underwritten by Income) ComprehensiveBuy Now | S$736.67 | S$500.00 | S$1,000, at no extra cost | Not stated in the brochure or the conditions |
How each estimate is worked out:
- ECICS: ECICS prices by the bike's exact make and model, which this form does not ask. The figure is for a typical bike of the band (up to 200cc: Yamaha SNIPER T150; 201 to 400cc: Honda CB400SF; 401 to 750cc: Honda 650; above 750cc: Honda CB1000R); the models sampled in each band ran -9% to +108% (up to 200cc), +0% to +26% (201 to 400cc), -6% to +41% (401 to 750cc), -52% to +79% (above 750cc) off it, Yamaha's lines cheaper and Kawasaki's and KTM's dearer. ECICS's own quote for your model can sit above or below this figure.
- DirectAsia: 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.
- Etiqa: Tiq prices by the bike's exact engine capacity in brackets finer than this form's bands: a 401 to 508cc bike pays about 17% less than the 510 to 750cc figure shown, and above 750cc its brackets of up to 801cc, 821 to 1,200cc (the figure shown), 1,250 to 1,450cc and 1,500cc and over each pay apart. One at-fault claim is loaded by its amount (25% up to about S$2,000, 50% to about S$4,000, 75% to about S$6,000, 100% beyond); the figure shown takes the smallest. Tiq's own quote can sit above or below it.
- Income: Income's online quote 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). Income's own quote for your bike can sit above or below it.
- FWD: 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.
See this quote on the results page, where you can change the cover type and filter by cover.
What would change the price
| Change | Lowest price | Difference |
|---|---|---|
| With no NCDThe no-claim discount at 0%, as for a rider new to insurance. Cheapest: ECICS. | S$662.06 | +S$66.21 |
| With a 15% NCDAfter two years without a claim. Cheapest: ECICS. | S$562.75 | −S$33.10 |
| With a 20% NCDAfter three years without a claim: the most a motorcycle NCD gives. Cheapest: ECICS. | S$529.64 | −S$66.21 |
| After one at-fault claimIn the last 3 years; the NCD goes back to 0%. Cheapest: ECICS. | S$761.37 | +S$165.52 |
| A woman riderThe same age and record. Cheapest: Etiqa. | S$573.54 | −S$22.31 |
| A bike registered this yearInstead of 3 years ago. Cheapest: ECICS. | S$654.78 | +S$58.93 |
| Third party, fire and theftNo cover for damage to your own bike in an accident. Cheapest: ECICS. | S$389.12 | −S$206.73 |
| Third party onlyThe legal minimum: injury to others and damage to their property only. Cheapest: ECICS. | S$255.37 | −S$340.48 |
Why it costs this
For a rider aged 50 with a 10% NCD on a Class 2 bike (401 to 750cc):
- Insurers price by engine capacity: the same rider on a Class 2B bike (up to 200cc) pays from S$310.99, so this 401 to 750cc bike costs 92% more than that.
- The no-claim discount comes off the premium: 10% now. A motorcycle NCD rises to 10% after one year without a claim, 15% after two and 20% after three, and stops there. At 20% this rider would pay from S$529.64.
Price history
For a rider aged 50 with a 10% NCD on a Class 2 bike (401 to 750cc): Since 9 Nov 2026 the lowest price is unchanged, and ECICS has been cheapest throughout.
How these prices are worked out
Each price is what the insurer charges today for these answers, a year, GST included: from the rates insurers publish or quote on their own sites, checked against their online quotes every week. Most motorcycle prices here are estimates: most insurers price by the bike's model or exact engine capacity, which our form does not ask, so their figure is for a typical bike of the band. Where a figure is an estimate, the insurer's note below says how it was worked out. Every rider is a man with no claims unless the page says otherwise, on a bike registered 3 years ago, with comprehensive cover. Shenton Brokers is an insurance broker in Singapore and compares every insurer that sells motorcycle insurance online. This page's figures and every bike and rider are in CSV files, updated daily.
Every bike and rider · Compare motorcycle insurance with your own details.
Buy Now addresses
Each insurer listed here, at its lowest price on this page.
- ECICS, ECICS Motorcycle Insurance Comprehensive (riders 22 to 70, no delivery use): https://purchase.ecics.com/motorcycle/insurance/basic-detail?manual=true&partner_code=B0000030&promo_code=SPECIAL15
- DirectAsia, DirectAsia Motorcycle Comprehensive (riders 21 to 65 with two years of licence): https://shentonbrokers.com/insurers/directasia/motorcycle
- Etiqa, Tiq ePROTECT motorcycle Comprehensive (riders 26 to 65, personal use): https://www.tiq.com.sg/buy-online/motorcycle-insurance/quotation/?referral=A501895
- Income, Income Motorcycle Insurance Comprehensive: https://shentonbrokers.com/go/buy/motorcycle/income/comprehensive?capacity=750®Date=2023-11-12&licenceYears=10&ncd=10&claims=no&dob=1976-11-12&gender=m&usage=private
Questions people ask
How much is motorcycle insurance for a rider aged 50 with a 10% NCD on a Class 2 bike (401 to 750cc)?
From about S$595.85 a year at ECICS on today's prices, GST included, for comprehensive cover on a bike registered 3 years ago; up to S$736.67 at FWD. ECICS's figure is an estimate for a typical bike of the band.
What cover does the cheapest plan give?
ECICS, ECICS Motorcycle Insurance Comprehensive (riders 22 to 70, no delivery use): personal accident s$1,000 for the policyholder and named riders, included; Personal Accident+ add-on S$32.70; helmet and riding gear not covered.
Has the price changed?
Since 9 Nov 2026 the lowest price is unchanged, and ECICS has been cheapest throughout.
Are these exact prices?
Not all. ECICS, DirectAsia, Etiqa, Income, FWD price by the bike's model or exact engine capacity, which our form does not ask, so their figures are estimates for a typical bike of the band; each note on this page says how. Your own quote can sit above or below these figures.
Why might my own quote be different?
Your bike's model and age, your age and years of licence, your NCD and claims, and how you use the bike all change the price. These pages fix all of those; the quote form asks for yours.