motorcycle insurance

Motorcycle Insurance

Motorcycle insurance in Singapore is an important measure to protect you and other road users. It should cover replacements, repair costs, and medical bills for anyone involved in the accident. Instead of paying for the damages out of pocket, the right policy can help shoulder the financial responsibilities.

Why do you need a motorcycle insurance?

Riding a motorcycle already comes with its own risks. But riding one without insurance coverage is downright irresponsible and could end up costing thousands of dollars in legal fees, medical fees, and property damage—not to mention the privilege of holding and obtaining a driver’s licence, and of course, jail time.

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Frequently Ask Questions

Do I need an insurance if I already have my personal insurance?

Yes. You need a separate policy for your motorcycle, one that lists it and any riders who might use it. This is of paramount importance, because according to Singapore road law, you cannot ride a motorbike without it.

Can I purchase a motorcycle without insurance?

Yes. However, you will not be able to ride your bike and you will need to lay up the motorcycle.

Which company can I apply for?

We are working with;

  • MSIG
  • NTUC
Is it legal for me to ride without insurance?

Yes. Whether you’re driving a car or motorbike, doing so without insurance is illegal in Singapore.

What are the types of coverage available?

There are 3 types of coverage you can choose from, which are;

  1. Third Party Only
    • Death or injury to other parties
    • Damage to other parties' property
  2. Third Party Fire & Theft
    • Death or injury to other parties
    • Damage to other parties' property
    • Fire damage to, or theft of, your vehicle
  3. Comprehensive
    • Death or injury to other parties
    • Damage to other parties' property
    • Fire damage to, or theft of, your vehicle
    • Accidental damage to your vehicle
    • Windscreen damage
    • Damage arising from riot, strike and civil commotion
    • Personal accident cover (private car only)
    • Medical expenses (private car only)
What should I do if I am involved in an accident outside Singapore?

You are required to report the accident to the local police. If your motorcycle is damaged or it is no longer safe for you to ride your motorcycle, we will assist to arrange towing services to bring your motorcycle back to Singapore.

What is the time frame for me to report an accident and what documents are required for accident reporting?

The rider involved in the accident must report personally within 24 hours or the next working day, with a copy of his/her driving licence and NRIC, to any Accident Reporting Centre. The motorcycle must be present at the time of reporting.

How do I make a claim against the other party’s insurer?

Report the accident to your insurance company, after reporting  you may proceed to our workshop to file a third party claim

How long would the insurance claim take?

Typically the insurance claim would take approximately 1 - 3 months depending on various situations.