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Motorcycle Insurance Coverage & Options FAQs

Our top cover and options frequently asked questions

Get all the answers you need on our motorcycle insurance coverage. We’ve put together our top motorcycle insurance questions related to the details of coverage and the options available to extend protection. Can't find what you need? Send us an email.

Am I covered for accessories and spare parts on my motorcycle?

If you choose our comprehensive motorcycle insurance we will cover you for accessories and spare parts if these were fitted as standard equipment by the maker or distributor at the time your motorcycle was originally bought and they were on your motorcycle at the time of the accident, loss or theft. We can decide whether to replace or repair these items or pay you the cost to do this.

Am I covered for the modifications on my motorcycle?

No, we will not pay you for your modifications since these will have been done by you or a previous owner after the motorcycle was first registered. We will only cover you for the original standard equipment by the maker or distributor and we can decide whether to replace or repair these items or pay you the cost to do this.

Do you cover everyone that uses my motorcycle?

This depends on whether you have declared any named rider or selected the Any Rider optional benefit. Your named rider will enjoy the same coverage as you.

If you have selected the Any Rider optional benefit, any authorised unnamed rider who meets the following criteria will be covered as well.

  • Has a valid Motorcycle license in Singapore for at least 2 years.
  • Accident-free (no at-fault claims) for 3 consecutive years prior to the inception of the policy.
  • Not under suspension or disqualification from driving in the last 5 years.
  • Not using the insured motorcycle for rental or delivery purpose even if Deliveries usage is declared and selected.
  • Rides the motorcycle with the permission of the policyholder.
  • The age of the authorised unnamed rider needs to be at a minimum age of 25 or 30, and a maximum age of 65, depending on which Any Rider optional benefit is selected.

What is an excess?

Excess refers to the amount that you are required to pay towards any claim. These amounts are cumulative and the total cumulative excess is payable by you.

Do I need to pay any excess for optional benefits?

Excess is not applicable for Personal Accident benefit and 24-Hour Breakdown Assistance.

However, you will have to pay an excess of S$107 (inclusive of GST) each time you claim under Medical Expenses benefit.

You will also have to pay the excess for Own Damage under New for Old optional benefit.

Does the age of the motorcycle affect how much I can insure?

Plan Vehicle age
Comprehensive Up to 10 years old
Third-party fire and theft Up to 30 years old
Third-party only Up to 30 years old


Is my policy still valid if I have carried out modifications to my motorcycle?

Yes, your policy remains valid even if you have had modifications done to your motorcycle, provided these modifications are LTA compliant and/or approved and have been declared to us. Please check if your modifications are LTA compliant.

My motorcycle is under finance, what type of insurance plan can I purchase?

We will be happy to provide you with a quote for any of our insurance plans. However, before you buy the policy, please check with your finance company. Some finance companies require certain levels of insurance cover for the motorcycle before they can continue with the finance.

What can I do to keep my premium low?

We make our policies in such a way that you pay only for what you need. Here are a number of ways you can cut costs on your premium.

  1. We have three different insurance plans for motorcycle policy. You can select the plan according to your needs.
  2. Opt to pay a higher excess. The higher the excess the lower the premium. (Note: This only applies to our Comprehensive plan).
  3. Certain motorcycle models are more expensive to insure than others. Keep this in mind when purchasing a new vehicle.
  4. Be sure to only pay for the optional extras you need, as any you add will increase your premium.

What if my motorcycle is damaged in an arson attack?

Call 995 for the fire brigade. Get details of the officer who attends to the fire and a copy of the fire report.; If your motorcycle is damaged in an arson attack, report it to the police so that they can investigate.

Get a copy of the police report and call us to lodge a claim on 6532 1818 in Singapore or +65 6991 3555 (Overseas/Emergency).

What if my motorcycle is stolen?

Report it immediately to the police so that they can investigate the matter and try to find the motorcycle. Get a copy of the police report and call us to lodge a claim on 6532 1818 in Singapore or +65 6991 3555 (Overseas/Emergency).

What if my motorcycle stalls or is damaged in a flood?

DO NOT try to start your motorcycle as the flood water may damage the engine.

What optional benefits does DirectAsia provide for their motorcycle insurance policies in Singapore?

NCD Protector Plus, Any Rider, Medical Expenses, Personal Accident, 24-Hour Breakdown Assistance and New for Old.

What is the New for Old optional benefit and will I receive a physical new motorcycle in the event of a total loss or theft?

With the New for Old optional benefit, Your motorcycle will be replaced with the same/similar make and model if it is stolen in Singapore or suffers a total loss in an accident during the policy period. This optional benefit is applicable to motorcycle aged 0-2 years old (from its first registration in Singapore) and not renewable once the motorcycle reaches 3 years old.

You will need to submit the claim for assessment before the new motorcycle purchase. Cash compensation or replacement will be subject to DirectAsia’s discretion and approval. DirectAsia will advise in writing on the method of settlement.

Who repairs my motorcycle?

You can use a repair workshop of your choice.

Why can’t I find my bike model on DirectAsia’s online list?

Your bike may be too new, high-performance or a luxury model that requires more information for us to provide a quote. Do give us a call at 6665 5555 to find out more.

My bike is still under manufacturer/dealer warranty. If I choose DirectAsia authorized workshop for repair, will it affect the warranty?

It should not affect the warranty as the Competition Commission of Singapore had announced on Dec 2017 that they had worked with major bike dealers to remove restrictions on bike owners from using independent workshops. Bike dealers can no longer use this to void warranties.

For complete information, see our Policy Documents & Wording