Pay Less with Budget Direct Insurance
No agent commission
Pay less when you buy direct. No middleman or agency fees means you make a big saving.
Tailor-made cover
Save by restricting your policy to you and one other person you allow to ride your bike. Pay only for the cover you need.
24/7 claims
You can lodge a claim over the phone or online at any time of the day or night, 365 days a year.
Compare Our Motorcycle Insurance Policies
Compare the benefits, features, claim limits and optional extras of our different levels of motorcycle insurance
| Recommended | |||
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What We Cover |
Comprehensive Highest level of cover for greatest peace of mind. Covers your liability for damage or injury/death caused to others and their property. Covers loss of or damage to your motorcycle by fire, natural disasters, vandals, theft or accident. |
Third Party Fire and Theft An “in-between” plan. In addition to the Third Party Only cover, covers loss of or damage to your motorcycle by fire or theft. |
Third Party Only Basic plan for budget-conscious bikers. Covers your liability for damage or injury/death caused to others and their property. Does not cover any loss of or damage to your motorcycle. |
|---|---|---|---|
| Bodily injury or death to other people in a motorcycle accident | Unlimited Cover | Unlimited Cover | Unlimited Cover |
| Damage to other people’s property in a motorcycle accident | S$500,000 | S$500,000 | S$500,000 |
| Legal costs & expenses following a motorcycle accident | S$3,000 | S$3,000 | S$3,000 |
| Towing after an accident | Included (up to S$300 for overseas tow and S$100 for local tow) |
Included: up to S$300 for overseas tow and S$100 for local tow (only for fire to or theft of your motorcycle) |
Not included |
| Loss or damage to your motorcycle by fire or theft | Included | Included | Not included |
| Damage to your motorcycle by vandalism | Included (up to market value of your motorcycle) |
Not included | Not included |
| Damage to your motorcycle by fallen trees, flood, storms or any other natural disaster | Included (up to market value of your motorcycle) |
Not included | Not included |
| Damage to your motorcycle if someone crashes into you | Included (up to market value of your motorcycle) |
Not included | Not included |
| Damage to your motorcycle if you accidentally crash your motorcycle into something else | Included (up to market value of your motorcycle) |
Not included | Not included |
Show More |
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What We Cover |
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 |
How to Switch
Switching to Budget Direct Insurance from another insurer is as easy as 1-2.3
1
Select
Get a motorcycle insurance quote from Budget Direct Insurance. Weigh up the costs and benefits of switching from your current insurer.
2
Save
Save up to 20% buying motorcycle insurance direct.
3
Contact
Once you’re covered by us, contact your previous insurer to cancel your other policy.
Want more protection?
For an additional premium, you can customise your motorcycle insurance by adding one or more of these optional benefits to your policy:
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.
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 for the amount of cover you want.
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. You will be covered up to S$100 for tows in Singapore and up to S$300 for tows outside Singapore.
Rider Plans and Vehicle Usage
Customise your policy to best suit you and how your vehicle is used.
Named Rider Plan
Build your cover for you and one other person you allow to use your motorcycle.
Vehicle Usage
Tell us how you use your motorbike so we can provide you with the right level of cover. You pay only for what you need. For instance, do you use your motorbike getting to and from work? Or outside office hours?
Great Customer Feedback
See what our customers say!
Very competitive rates on same product.
Daniel B
Great price. Good level of cover. Got exactly what I needed and at the best price I could find
Patrick
Easy and fast, smooth and everything done in a second
Yizheng
Value for money. Worth it totally.
Chern Yong
The cheapest policy I can get in town so far.
Chris Chua Yung Seang
Motorcycle Insurance FAQs
What types of cover can I choose from?
We have three types of policies you can choose from for your motorcycle.
Third Party Only is the most basic plan and covers your legal responsibility for damage to other people’s property or bodily injury or death to other people caused by an accident involving your motorcycle. It doesn’t cover damage to your own motorcycle.
Third Party Fire and Theft covers the same as Third Party Only plus loss or damage to your motorcycle if it is stolen or catches fire.
Comprehensive covers the same as Third Party Fire and Theft plus any damage to your motorcycle up to its market value.
How much do you insure my motorcycle for?
Under the Comprehensive and Third Party Fire and Theft plans, we insure your motorcycle up to its market value at the time of loss or damage.
Who would Budget Direct Insurance not insure?
We won’t insure riders who have had their licence suspended or revoked in the last 3 years. And we won’t insure those who have been rejected or declined by an insurer in the last 3 years. We also don’t cover riders who have a DUI charge (riding while under the influence of alcohol or drugs).
My motorcycle is over 10 years old, are you able to cover me?
Yes, we can certainly cover your motorcycle which is more than 10 years old, no problem. It is our aim to make the cost of your motorcycle ownership as affordable as possible. Budget Direct Insurance offers motorcycle insurance premiums from as low as $150^. We also provide a wide range of optional covers.
I would like to start work for a food delivery company such as Deliveroo, foodpanda or GrabFood using my own motorbike. Does my motorbike insurance with Budget Direct Insurance cover me?
We do not allow use of your motorcycle for carrying of passengers or delivery of goods in connection with any trade or business, for example, for despatch or courier purposes including but not limited/ restricted to Deliveroo, foodpanda or GrabFood whether paid or not.
Last Updated: 8 March 2021