Ensure Agency Pte Ltd

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Motorcycle insurance coverage made easy with a few clicks

Sompo Motorcycle Insurance covers your motorcycle against liabilities to other parties for death or bodily injuries, damages to other parties' properties, it can also cover the loss or damage of your motorcycle due to fire, theft or accident.

Features

Additional Rider<br>(Up to 4 Pax)
Additional Rider
(Up to 4 Pax)

You can now choose to name up to four riders in your motorcycle coverage, saving time and more money for you.

Repair Option
Repair Option

Pick your own workshop to perform the repair work or choose from our appointed motorcycle panel workshop.

Coverage For  Property Damage
Coverage For Property Damage

Insurance coverage for third-party property damages arising from an accident.

Competitive Rates
Competitive Rates

Choose the insurance coverage you require at competitive rates based on your riding needs.

Insurance Coverage

PLAN & COVERAGE COMPREHENSIVE THIRD PARTY, FIRE AND THEFT THIRD PARTY
Loss or damage to your vehicle from accidental causes
(up to market value at the time of loss or damage)
   
Loss or damage by fire or theft
(up to market value at the time of loss or damage)
 
Damage to third party property
(up to $5,000,000)
Death or injury to third party
(unlimited)
Towing Service
(up to $50)
   
Vehicle Repairs at Your Chosen Workshop    
Policy excess as shown on the Schedule or Certificate of
Insurance applies for each and every accident claim
 

 

FREQUENTLY ASKED QUESTIONS

No, motorcyle policy will only covers named rider(s) basis.

You can go to your prefer workshop to do repair work.

Max is 20% NCD for Motorcycle Insurance Policy.

We may repudiate liability for the accident in view of a breach in policy conditions.

Your NCD will drop to 0% if you involved accident and claims incurred.

If you have involved accident with below third party, you need to make police report

  • someone is injured
  • hit-and-run 
  • accident involve government vehicle/property
  • foreign vehicle, or 
  • pedestrian/cyclist 

 

You should make accident report within 24 hour at SOMPO Insurance reporting center

http://www.sompo.com.sg/docs/default-source/default-document-library/list-of-exceldrive-workshops-and-accident-reporting-centers.pdf

Things to bring is

  • NRIC

  • License

  • Certificate of Insurance

  • Police Report (if any)

  • Medical Report (if any)

  • Motorcycle (go to reporting center)

Your NCD will be further  penalised by one level on top of any NCD reduction resulting from the claim made under your motorcycle insurance policy.

Existing NCD After Penalty Reduction
20% 15%
15% 10%
10% 0%

 

Yes. You can withdraw the NCD while your policy is still in force, subject to no claims made under your motorcycle insurance policy. You need to top up the difference in premium due to the NCD withdrawal.

You must notify Insurer or contact Ensure immediately upon receiving such documents. Any delay on your part may make it more difficult to handle the claim.

As the facts of an accident will be different from case to case and we will need to evaluate each case on its own merits and handle the claims accordingly by the claims department.

You have to lodge a police report in Malaysia and have the vehicle towed back to Singapore for repair.

It may take a longer time to arrange for a tow service from Malaysia depending on the location of the accident. The nearest Malaysia towing services provider in the area will tow the vehicle to the Causeway and handover the vehicle to the Singapore towing services.

  • Comprehensive covers for legal liability to third party (both bodily injury and property damage) as well as damage to your own Motorcycle caused by accidental collision.
  • Third Party Fire and Theft covers for legal liability to third party (both bodily injury and property damage) as well as damage to your own Motorcycle as a result of fire or theft only.
  • Third Party covers for legal liability to third party (both bodily injury and property damage) only.

NCD is a way of rewarding you for being a safe driver.

Below is a table to shows how the NCD is determined by most insurer in the Singapore insurance industry.

Number of accident-free years

Percentage of NCD awarded to motorcycle

First year

0%

Second consecutive years

10%

Third consecutive years

15%

Four consecutive years

20%

All accidents must be reported to insurer within 24hrs or by the next working days with your motorcycle. Insurer reserve right to repudiate liability for the accident in view of a breach in policy condition. Furthermore, your NCD entitlement will be further reduced by one level on top of any NCD reduction resulting from the claim made under your motorcycle insurance policy.

Existing NCD

After penalty reduction

20%

15%

15%

10%

10%

0%

Yes, if you are at fault of the accident.

Pls refer to the table below:

Vehicle type

Current NCD

NCD after one claim

Motorcycle

20% and below

0%

You will need to report to police when you involves accident with

  • government vehicle or property
  • foreign vehicle
  • pedestrian or cyclist
  • injury to anyone
  • hit-and-run accident

You may walk in to any motorcycle workshop to repair or submit an Own Damage or Third party claim.

Yes, subject to additional premium will be charged and no claims made under your motorcycle insurance policy. You need to top up the difference in premium due to the NCD withdrawal.

Please provide a copy of transfer ownership letter from LTA to us so that we can assist you to cancel your policy. You may email to us at sompo@ens.com.sg

You must notify Insurer or contact us immediately upon receiving such documents, so that we can assist accordingly. As the facts of an accident will be different from case to case, we will need to evaluate each case on its own merits and handle the claims accordingly by the claims department.

 

You should lodge a police report in Malaysia and arrange towing to send the vehicle back to Singapore for repair if towing is required. It may take a longer time to arrange for a tow service from Malaysia depending on the location of the accident. The nearest Malaysian towing service provider in the area will tow the vehicle to the Johor Bahru Causeway and handover the vehicle to the Singapore towing service provider.

We will verify with your previous insurer and adjust the NCD accordingly.

If you declare a higher NCD, you will need to pay us the difference, and vice versa.

 

The driver involved in the accident must report personally, with a copy of driving license, NRIC and the certificate of insurance to Authorised Accident Reporting Centre. The vehicle have also be made present for photo-taking at the time of reporting.

You will email policy documents to you and no hardcopy will be mailed to you.

No refund shall be made where a claim has been made under the policy.

Motorcycle Insurance Policy Wording

View the full terms and conditions, click download now.

Get in touch

TEL:
TEL:

+65 6515 5988 
(Monday to Friday 9:00am to 5:30pm)
Saturday, Sunday and Public Holidays: Closed

ADDRESS:
ADDRESS:

38 Toh Guan Road East, #01-57, 
Enterprise Hub, Singapore 608581