Typical motorcycle insurance quotes
Class 2B bike (up to 200cc): motorcycle insurance for a new rider aged 22
What comprehensive motorcycle insurance costs today for a rider aged 22, licence held under a year, no 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 new rider aged 22 costs from S$1,292.76 a year (GST included) at Etiqa; 3 insurers price it online, up to S$1,421.23 at FWD.
Compare every insurer we price for a new rider aged 22, Class 2B bike on one page: https://shentonbrokers.com/prices/motorcycle/new-rider-2b-22
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/motorcycle-insurance-quotes/class-2b-new-rider
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$1,292.76 a year at Etiqa; the middle of 3 insurers is S$1,421.23.
- A rider aged 40 with a 20% NCD pays from S$275.21 for the same bike.
- 3 insurers do not price this online.
Insurer by insurer
| Insurer | A year | Excess | Personal accident | Helmet and riding gear |
|---|---|---|---|---|
| EtiqaTiq ePROTECT motorcycle Comprehensive (riders 21 to 25, personal use)Buy Now | S$1,292.76 | S$600.00 | 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$1,421.23 | 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$1,421.23 | S$300.00 | S$1,000, at no extra cost | Not stated in the brochure or the conditions |
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.
No online price: Budget Direct (This insurer's online price is for riders aged 25 or over); DirectAsia (This insurer's online price is for riders with at least 2 years of riding experience); ECICS (This insurer's online price is for riders with at least 2 years of riding experience).
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 |
|---|---|---|
| After one at-fault claimIn the last 3 years; the NCD goes back to 0%. Cheapest: Etiqa. | S$1,579.17 | +S$286.41 |
| A woman riderThe same age and record. Cheapest: Etiqa. | S$1,063.64 | −S$229.12 |
| A bike registered this yearInstead of 3 years ago. Cheapest: Etiqa. | S$1,463.95 | +S$171.19 |
| A bike registered 8 years agoInstead of 3 years ago; some insurers stop at a bike's age. Cheapest: Income. | S$1,421.23 | +S$128.47 |
| Third party, fire and theftNo cover for damage to your own bike in an accident. Cheapest: Income. | S$912.21 | −S$380.55 |
| Third party onlyThe legal minimum: injury to others and damage to their property only. Cheapest: Income. | S$603.08 | −S$689.68 |
Why it costs this
For a new rider aged 22 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 4.7 times that.
- With a licence held under two years there is little riding record to go on: some insurers on our panel only price riders online once the licence is two years old.
- The no-claim discount comes off the premium: 0% now. A motorcycle NCD rises to 10% after one year without a claim, 15% after two and 20% after three, and stops there.
- 3 insurers do not price this online: Budget Direct (This insurer's online price is for riders aged 25 or over); DirectAsia (This insurer's online price is for riders with at least 2 years of riding experience); ECICS (This insurer's online price is for riders with at least 2 years of riding experience).
Price history
For a new rider aged 22 on a Class 2B bike (up to 200cc): Since 9 Nov 2026 the lowest price is unchanged, and Etiqa 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.
- Etiqa, Tiq ePROTECT motorcycle Comprehensive (riders 21 to 25, 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=200®Date=2023-11-12&licenceYears=0&ncd=0&claims=no&dob=2004-11-12&gender=m&usage=private
Questions people ask
How much is motorcycle insurance for a new rider aged 22 on a Class 2B bike (up to 200cc)?
From about S$1,292.76 a year at Etiqa on today's prices, GST included, for comprehensive cover on a bike registered 3 years ago; up to S$1,421.23 at FWD.
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 4.7 times that.
What cover does the cheapest plan give?
Etiqa, Tiq ePROTECT motorcycle Comprehensive (riders 21 to 25, personal use): personal accident s$5,000 on the rider's accidental death (riders aged 18 to 60; not while riding pillion), from the policy wording; helmet and riding gear not covered.
Has the price changed?
Since 9 Nov 2026 the lowest price is unchanged, and Etiqa has been cheapest throughout.
Which insurers do not price this online?
Budget Direct (This insurer's online price is for riders aged 25 or over); DirectAsia (This insurer's online price is for riders with at least 2 years of riding experience); ECICS (This insurer's online price is for riders with at least 2 years of riding experience).
Are these exact prices?
Not all. 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.