Motorcycle insurance
Motorcycle no-claim discount: what each step saves
Today's lowest and typical yearly price at each no-claim discount step, and after an at-fault claim, GST included: comprehensive cover, a bike 3 years old, a male rider with a licence held 5 years. The motorcycle no-claim discount stops at 20%. Every motorcycle price here is an estimate from the insurer's own table. Each insurer prices your exact make and model when you buy, so your own price can differ.
Compare every insurer we price for a Class 2B bike, 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-no-claim-discount
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, comprehensive cover on a Class 2B bike for a rider aged 30 costs from S$460.99 a year at 0% no-claim discount (ECICS) and from S$368.78 at 20% (ECICS), GST included: S$92.21 less on the lowest prices.
Class 2B bike, by no-claim discount
Big bike, by no-claim discount
After an at-fault claim
Insurers with no online price after a claim
- DirectAsia: no online price for 2. This insurer's online price is for riders with up to one claim in the last 3 years.
- Etiqa: no online price for 2. This insurer's online price is for riders with up to one claim in the last 3 years.
- FWD: no online price for 1, 2. This insurer's online price is for riders with no claims in the last 3 years.
- Income: no online price for 1, 2. This insurer's online price is for riders with no claims in the last 3 years.
Compare motorcycle insurance for your own answers.
Buy Now addresses
Each listed insurer's best-value plan for a Class 2B bike (up to 200cc), rider aged 30, lowest premium first.
- 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
- Income, Income Motorcycle Insurance Comprehensive: https://shentonbrokers.com/go/buy/motorcycle/income/comprehensive?capacity=200®Date=2023-11-12&licenceYears=5&ncd=20&claims=no&dob=1996-11-12&gender=m&usage=private
- Etiqa, Tiq ePROTECT motorcycle Comprehensive (riders 26 to 65, personal use): https://www.tiq.com.sg/buy-online/motorcycle-insurance/quotation/?referral=A501895
Questions people ask
How much does each motorcycle no-claim discount step save?
A rider aged 30 on a Class 2B bike. 0%: from S$460.99 a year (ECICS); 10%: from S$414.89 a year (ECICS); 15%: from S$391.83 a year (ECICS); 20%: from S$368.78 a year (ECICS). Today's prices, GST included.
How much does the no-claim discount save on a big bike?
A rider aged 45 on a bike above 750cc, licence held 10 years or more. 0%: from S$756.36 a year (ECICS); 10%: from S$680.72 a year (ECICS); 15%: from S$642.90 a year (ECICS); 20%: from S$605.09 a year (ECICS). Today's prices, GST included.
How much does a claim add to motorcycle insurance?
A rider aged 30 on a Class 2B bike, 0% no-claim discount. None: from S$460.99 a year (ECICS); 1: from S$530.13 a year (ECICS); 2: from S$691.47 a year (ECICS). Today's prices, GST included.
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, it stops at 20%. One at-fault claim takes it down a step or two, or back to 0%.
Are these motorcycle prices exact?
Every motorcycle price here is an estimate from the insurer's own table. Each insurer prices your exact make and model when you buy, so your own price can differ.