Typical motorcycle insurance quotes
Class 2B bike (up to 200cc): motorcycle insurance for a rider aged 70
What comprehensive motorcycle insurance costs today for a rider aged 70, licence held 10 years or more, 20% NCD, no claims, private use, on a Class 2B bike (up to 200cc) registered 3 years ago. Most prices are estimates, and each says how.
In short
On 12 Nov 2026, comprehensive motorcycle insurance for a Class 2B bike (up to 200cc) ridden by a rider aged 70 costs from S$323.88 a year (GST included) at Income; 3 insurers price it online, up to S$392.85 at ECICS.
Compare every insurer we price for a Class 2B bike (up to 200cc), rider aged 30 on one page: https://shentonbrokers.com/prices/motorcycle/class-2b-commuter-30
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/motorcycle-insurance-quotes/class-2b-age-70
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$323.88 a year at Income; the middle of 3 insurers is S$323.88.
- A rider aged 40 with a 20% NCD pays from S$275.21 for the same bike.
- 2 insurers do not price this online.
Insurer by insurer
| Insurer | A year | Excess | Personal accident | Helmet and riding gear |
|---|---|---|---|---|
| IncomeIncome Motorcycle Insurance ComprehensiveBuy Now | S$323.88 | S$300.00 | S$1,000, at no extra cost | Not stated in the brochure or the conditions |
| FWDFWD Motorcycle Insurance (underwritten by Income) ComprehensiveBuy Now | S$323.88 | S$300.00 | S$1,000, at no extra cost | Not stated in the brochure or the conditions |
| ECICSECICS Motorcycle Insurance Comprehensive (riders 22 to 70, no delivery use)Buy Now | S$392.85 | S$300.00 | S$1,000 for the policyholder and named riders, included; Personal Accident+ add-on S$32.70 | Not covered |
How each estimate is worked out:
- 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.
- 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.
No online price: DirectAsia (This insurer's online price is for riders aged up to 65); Etiqa (This insurer's online price is for riders aged up to 65).
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: Income. | S$404.85 | +S$80.97 |
| With a 10% NCDAfter one year without a claim. Cheapest: Income. | S$364.37 | +S$40.49 |
| With a 15% NCDAfter two years without a claim. Cheapest: Income. | S$344.12 | +S$20.24 |
| After one at-fault claimIn the last 3 years; the NCD goes back to 0%. Cheapest: ECICS. | S$564.71 | +S$240.83 |
| A bike registered this yearInstead of 3 years ago. Cheapest: Income. | S$364.53 | +S$40.65 |
| Third party, fire and theftNo cover for damage to your own bike in an accident. Cheapest: Income. | S$207.88 | −S$116.00 |
| Third party onlyThe legal minimum: injury to others and damage to their property only. Cheapest: Income. | S$137.43 | −S$186.45 |
Why it costs this
For a rider aged 70 on a Class 2B bike (up to 200cc):
- Class 2B bikes, up to 200cc, cost the least to insure: insurers price by engine capacity, and bigger bikes cost more.
- Age and riding record come next: on this bike, a rider aged 40 with 10 years of licence and a 20% NCD pays from S$275.21; this rider pays 18% more than that.
- The rider has the full 20% no-claim discount, the most a motorcycle NCD gives.
- 2 insurers do not price this online: DirectAsia (This insurer's online price is for riders aged up to 65); Etiqa (This insurer's online price is for riders aged up to 65).
Price history
For a rider aged 70 on a Class 2B bike (up to 200cc): Since 9 Nov 2026 the lowest price is down S$68.97 (18%), and the cheapest insurer has changed once.
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.
- Income, Income Motorcycle Insurance Comprehensive: https://shentonbrokers.com/go/buy/motorcycle/income/comprehensive?capacity=200®Date=2023-11-12&licenceYears=10&ncd=20&claims=no&dob=1956-11-12&gender=m&usage=private
- 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
Questions people ask
How much is motorcycle insurance for a rider aged 70 on a Class 2B bike (up to 200cc)?
From about S$323.88 a year at Income on today's prices, GST included, for comprehensive cover on a bike registered 3 years ago; up to S$392.85 at ECICS. Income's figure is an estimate for a typical bike of the band.
How does that compare with a typical rider?
A rider aged 40 with a 20% NCD pays from S$275.21 for the same bike today; this rider pays 18% more than that.
What cover does the cheapest plan give?
Income, Income Motorcycle Insurance Comprehensive: personal accident s$1,000, at no extra cost; helmet and riding gear not stated in the brochure or the conditions.
Has the price changed?
Since 9 Nov 2026 the lowest price is down S$68.97 (18%), and the cheapest insurer has changed once.
Which insurers do not price this online?
DirectAsia (This insurer's online price is for riders aged up to 65); Etiqa (This insurer's online price is for riders aged up to 65).
Are these exact prices?
Not all. Income, FWD, ECICS 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.