1. Budget Direct Insurance
  2. Motorcycle Insurance
  3. Optional Covers

Optional Covers. Insurance as it should be

Make your insurance policy as unique as your motorcycle.

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motorcycle optional covers

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Optional Covers
Insurance as it should be.

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Customise your cover with these useful optional benefits

For a few dollars more you will get the added benefit of 24 Hours Roadside Assistance. If your motorcycle breaks down, gets a flat tyre, your alternator fails, you run out of petrol or you lose your keys, we’ll be there for you 24/7.

You can take out useful extra covers if you travel to Malaysia or Thailand. Our Optional Covers have something for every rider.

Here are the Optional Covers you can choose with our 3 policies.

Optional Cover(s) you can choose to add Comprehensive Third Party Fire and Theft Third Party Only
Personal Accident Available Available Available
Medical Expenses Available Available Available
No Claim Discount (NCD) Protector Available Available Available
Overseas Emergency Allowance Available Available Not available
24 Hours Roadside Assistance Available Available Not available
Transport Allowance Available Available
(for fire or theft claim only)
Not available
Modifications and Accessories Available Available
(for fire or theft claim only)
Not available
Singapore Only Available Not available Not available

This is a summary, please see the Motorcycle Insurance Product Disclosure Document for more details.

Personal Accident
If the rider is injured or killed in an accident involving your motorcycle, then we will pay up to S$50,000. Choose either S$20,000 or S$50,000 as the amount of cover you want.

Medical Expenses
If you or your pillion passenger need medical attention following an accident involving your motorcycle, then we will pay the medical expenses incurred up to S$2,500 per person. An excess of S$100 (Including Prevailing GST) will apply to a claim under this cover.

No Claim Discount (NCD) Protection
You can make one claim in a policy term without affecting your NCD. Applies only to those who have 20% NCD.

Overseas Emergency Allowance
Riding to Malaysia or Thailand? We will get you home in the event of an accident. If your motorcycle is immobilised for 6 hours or more following an accident, we will pay up to S$500 to cover towing expenses and S$200 per person, plus up to S$100 for emergency phone calls.

24 Hours Roadside Assistance
If you don't want to be stranded by a breakdown, flat tyre, flat battery or anything else, our 24 Hours Roadside Assistance will be there for you.

Transport Allowance
If your motorcycle is lost or damaged, our transport allowance benefit will pay out S$30 per day, up to a maximum of 10 days per accident (maximum of 20 days per policy term).

Modifications and Accessories
We may choose to repair, replace or pay cash for damaged or stolen parts of your motorcycle that are LTA compliant, declared to and accepted by us.

Singapore Only
Gives you a discount of 5% if you ride your motorcycle in Singapore only.

More ways you can benefit

Cut costs without cutting back on your insurance! Here are ways you can enjoy big savings.

Go Paperless
Your premium will be S$20 (Including Prevailing GST) cheaper if you opt to go paperless. All your documents will be sent via email and you can also retrieve them from the Policy Manager.

Opt for Singapore Only cover
Want cover just for Singapore? You will get a discount on your insurance premium. A smart way to cut down your costs. Available for comprehensive policies only.

Excess is the amount that you have to pay towards your claim. At Budget Direct Insurance our standard policy excess for motorcycles is S$500. You can choose to reduce or increase this amount depending on your claim experience and budget.

For motorcycle you can reduce your excess right down to zero. This will increase your premium but means you pay less excess if you have to make a claim. You can also increase your excess up to S$800 - which means you pay less premium.