Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Direct Asia Motorcycle Insurance Review

Compare three types of cover and find a deal that works for you.

Whether you’re looking for comprehensive protection or a more basic level of cover, DirectAsia Motorcycle Insurance offers a range of policies and add-ons to give you peace of mind on the road.

Let’s take a look at the types of motorcycle insurance offered by Direct Asia, along with some typical exclusions to be aware of.

Compare Direct Asia motorcycle insurance plans

1 - 3 of 3
Name Product Accidental Damage Roadside Assistance New Car Replacement Choice of Repairer Guarantee on Repairs
Direct Asia Comprehensive Motorcycle Insurance
Yes
Optional
Optional
Yes
N/A
Receive $30 worth of Shell fuel (900 Shell Escape points) when you insure your motorcycle. T&Cs apply. Ends 31 July 2022.
Direct Asia Third Party Fire and Theft Motorcycle Insurance
Yes
Optional
No
Optional
N/A
Receive $30 worth of Shell fuel (900 Shell Escape points) when you insure your motorcycle. T&Cs apply. Ends 31 July 2022.
Direct Asia Third Party Only Motorcycle Insurance
Yes
Optional
Optional
N/A
Receive $30 worth of Shell fuel (900 Shell Escape points) when you insure your motorcycle. T&Cs apply. Ends 31 July 2022.
loading

Compare up to 4 providers

Finder does not provide the products and services listed on its website (including insurance policies) to users. We do not assume any risk or undertake any liability under any insurance policies that we may provide information on.

There is no insurance agency relationship created between Finder and the user. We do not negotiate, service or effect insurance contracts on your behalf or on behalf of the insurer or insurance broker. We do not act as your agent.

Quick verdict

Good for
  • Choice of preferred workshop available
  • Customisable coverage
  • Qualify up to 30% for NCD
Not so great for
  • Most benefits require payable add-ons

What are the policies available?

There are 3 levels of cover under the DirectAsia Motorcycle Insurance policy, each with varying protection:

  • Comprehensive cover (COMP). Offers the highest level of protection and covers all accidental causes including vandalism and natural disaster, up to the market value for your motorcycle and its accessories. All features from the TPFT and TPO policies are also included.
  • Third-party, fire and theft cover (TPFT). This type of policy covers you if your motorcycle gets stolen or gets damaged in a fire. Plus, it gives you cover in case you cause damage to other people and their property.
  • Third-party only (TPO). Basic coverage that only protects against damages caused to others and their property.

DirectAsia Motorcycle Insurance levels of cover

DirectAsia Motorcycle Insurance offers 3 levels of cover: COMP, TPFT, TPO

  • Third-party injury or death cover
  • Up to $500,000 for damage to third party property
  • Legal expenses arising from an accident
  • Motorcycle theft
  • Damage to your motorcycle caused by an accident
  • All accidental causes including vandalism and natural disasters (e.g. fire and flood)
  • Crash damages resulting from a non-vehicle collision
  • Non-crash damages to your motorcycle
  • Damage by fire, flood or natural disasters
  • Third-party injury or death cover
  • Up to $500,000 for damage to third party property
  • Legal expenses arising from an accident
  • Motorcycle theft
  • Third-party injury or death cover
  • Up to $500,000 for damage to third party property
  • Legal expenses arising from an accident

What add-ons are available with Direct Asia?

There are multiple add-ons with Direct Asia that can give you more protection on the road. These include:

  • Coverage for authorised unnamed rider
  • 24-hour breakdown assistance
  • Medical cover for rider and their passengers – up to $2,500 per person
  • Personal accident cover for riders
  • New for old motorcycle replacement (available for Comprehensive cover only)
  • No claims discount protection plus

While you’re comparing motorcycle insurance quotes, it’s worth keeping in mind that you’ll typically have to pay extra for your premium if you add such benefits to your policy. These costs will vary between providers.

What won’t be covered?

DirectAsia Motorcycle Insurance policy comes with a list of general exclusions, such as:

  • Damage or loss to your motorcycle caused by an unlicensed driver, or someone whom the insurer has declined to cover
  • Riding under the influence of drugs/alcohol
  • Damage or loss arising from the deliberate, intentional, malicious or criminal act by your, another rider or someone acting with your consent
  • Damage or loss to a motorcycle with unapproved modifications
  • Damage or loss that occurs after an accident, theft or breakdown unless you have taken reasonable steps to protect your motorcycle
  • Deterioration, wear, tear, rust and erosion
  • Mechanical, structural, electronic or electrical breakdown
  • Tire damage resulting from road damage, punctures and bursts
  • Loss of use of your motorcycle
  • Damage or loss caused by riot, terrorism, or war
  • Damage or loss caused by radioactive agents, weapons or material
  • Lawful seizure of your motorcycle
  • Fraudulent, false or exaggerated claims

We encourage you to read Direct Asia’s full policy terms to see a comprehensive list of exclusions for each type of motorcycle insurance you compare.

Eligibility criteria for DirectAsia Motorcycle Insurance

DirectAsia Motorcycle Insurance is available for the main rider (policyholder) and one additional named rider who must be:

  • Between 21 and 24 years old
    • Held a valid motorcycle license for at least 2 years; and/or
    • Not have more than 1 accident in the last 3 years
  • Between 25 and 65 years old
    • Held a valid motorcycle license for at least 2 years

If the “Any rider” add-on benefit is included in your policy, the unnamed rider will need to meet the following criteria:

  • Held a valid motorcycle license for at least 2 years;
  • Not had an accident in the last 3 years;
  • Not have had his/her license suspended or disqualified in the last 5 years;
  • Not be using the motorcycle to transport or deliver goods and/or food for payment (applies even if Deliveries usage is declared)

How to contract Direct Asia

Should you need any assistance in your claim, you may contact Direct Asia through the following options:

  • Hotline (General enquiries): +65 6665 5555 (operational from 9 am – 7 pm, Mondays to Friday)
  • Hotline (Claims): +65 6532 1818 (operational from 9 am – 5 pm, Mondays to Friday); or +65 6603 3699 (when calling from overseas or for an emergency)
  • Email: customerservice@directasia.com

When seeking assistance, be sure to have the policyholder’s name and ID/FIN or policy number on hand.

Making a claim

To make a claim, you must report all accidents in Singapore or overseas to Direct Asia within 24 hours. For serious accidents, damage caused by malice, or third-party involvement, make sure to make a police report. Otherwise, simply proceed to any of Direct Asia’s authorised workshops for accident reporting.

Here are some supporting documents that are typically required for the claim process:

  • Medical and specialist reports
  • Bills and invoices of expenses incurred
  • Photo and/or video evidence of the accident
  • Private settlement form (if applicable)
  • Personal details of those involved in the accident (e.g. vehicle license plate number, names, ID, address, contact, insurance details etc)

Frequently asked questions

More guides on Finder

Ask Finder

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy Policy and Terms.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site