1. How can I buy ePROTECT motorcycle? 

You may purchase ePROTECT motorcycle via our website at www.tiq.com.sg. Click here to get a quotation today.

If you require assistance, you could also call us at +65 6887 8777 or walk-in to our Customer Care office at 23 Church Street, #01-01 Capital Square, Singapore 049481.

2. When do I need to buy insurance for my motorcycle? 

We recommend that you get yourself covered for ePROTECT motorcycle before you start riding the motorcycle or before your current insurance expires.

In Singapore, it is against the law to drive a motor vehicle on the road without a valid insurance policy. The minimum legal requirement for motor insurance is coverage for your legal liability if you cause bodily injury to another person or damage someone else’s property.

3. Who can buy ePROTECT motorcycle?​

You are eligible to purchase ePROTECT motorcycle if:

• You are the registered owner of the motorcycle.
• You use your motorcycle for personal purposes.
• You are between 18-65 years old.
• You have a valid riding license.
• You must not have any class of licence suspended or cancelled in the last 3 years.

4. Do you cover usage of motorcycle for delivery services (e.g. Grabfood)?

No, this policy only covers personal use. Motorcycles used for ride-hailing, courier, delivery, or other business purposes are not covered.

5. What are the payment modes available when I purchase online?

You may pay using a credit card or PayNow.

6. How will I receive my policy document?

You may retrieve your policy details and documents via the Etiqa+ SG app or by logging in to our Customer Portal at https://www.etiqa.com.sg/LoginPortal/#/

 Etiqa+ SG app:
 1. Under ‘Explore Our Services’ on the Home page, tap ‘Download Documents’
 2. Select the relevant policy number
 3. Tap ‘Policy Contracts, Endorsements and Renewal Schedule’ to view and download your policy documents

 Customer Portal:
 1. Login to your Customer Portal account
 2. Click ‘eDocuments’ from the menu on the left
 3. Select the relevant policy number
 4. Click ‘Policy Schedule’ to download and view your policy document

7. What happens to my policy if I sell my motorcycle?

If you sell your vehicle, you may inform us to cancel your policy. You can submit the request via our Etiqa+ SG mobile app or reach out to our Customer Care at +65 6887 8777 or email us at customer.service@etiqa.com.sg.

8. How will my refund be calculated if I cancel my ePROTECT motorcycle policy?

If you cancel your motorcycle insurance policy before its inception date, we will refund your premium in full, less an admin charge of $25 (before GST).

If you cancel your policy after the policy has incepted, we will refund 80% of the pro-rate premium for the unexpired period.

You will not be entitled to a cancellation refund if:

• your premium is less than $25 (before GST);
• any claim has been made or has arisen under this Policy.

1. What is covered under ePROTECT motorcycle?

ePROTECT motorcycle provides coverage suitable for all motorcycle owners.

Our Comprehensive Plan covers accidental damage to your vehicle, as well as loss or damage caused by fire or theft.  It also covers your legal liability, with unlimited coverage for injury to another person and up to $500,000 for damage to someone else’s property.

2. Do you cover everyone who uses my motorcycle?

No, we will only cover you and the named riders declared under your policy. You may name up to three named riders per policy, and your named rider(s) will enjoy the same coverage as you.

3. Can I include a Named rider in my motorcycle insurance policy?

Yes, you can include up to three named riders in your motorcycle insurance policy. We will only cover the riders declared in your motorcycle insurance policy. Any unnamed riders will not be covered.

Should you need to make changes to the named rider(s) declared, you may contact us via WhatsApp messaging or phone call at +65 6887 8777 or email us at customer.service@etiqa.com.sg for assistance.

4. Does your insurance cover me for riding in Malaysia and/or Thailand?

Yes, your policy covers you when you ride your motorcycle in Singapore, West Malaysia and Southern Thailand (within 80km of the border between Thailand and Malaysia.)

5. Do you cover the accessories on my motorcycle?

Yes, we will cover for accessories that were fitted as standard equipment by the manufacturer or distributor when your motorcycle was originally bought, provided they were on your motorcycle at the time of the accident, loss or theft. We may pay in cash the amount of the loss or damage or may repair, reinstate or replace the motorcycle or any part thereof or its accessories.

6. Do you cover any modifications done to my motorcycle?

Yes, modifications and/or accessories are covered if they are LTA-compliant.

1. What is the excess amount under my policy?

Policy excess starts from $300. Please refer to your Schedule or Certificate of Insurance for the exact amount. Do note that the excess applies for each and every accident claim.

2. What is the Excess applicable if my motorcycle is driven by someone who is not named under my policy?

We will only cover the riders declared in your motorcycle insurance policy. Any unnamed riders will not be covered.

3. How will my NCD be affected if I make a claim?

4. If I am not at fault for the accident but make an own damage claim, will my No Claim Discount (NCD) be affected?

If you are not at fault for the accident, your No Claim Discount (NCD) will generally not be affected if we are able to recover the claim amount from the at-fault party’s insurer. However, if recovery is unsuccessful or liability cannot be established, your NCD may be affected.

5. When will a vehicle claim be settled on “Total Loss” basis?

Your vehicle may be considered a Total Loss if it is deemed unsafe to repair. It may also be considered a Constructive Total Loss if the estimated repair costs exceed the difference between its market value and salvage value, making it uneconomical to repair. In such cases, we will settle your claim on a Total Loss basis.

6. To get back on the road quickly, can I go ahead and start repairs without having my bike inspected first?

Repairs to your vehicle exceeding $50 must not be carried out without our prior written authorisation. Otherwise, the Company will not be liable for the repair expenses incurred.

7. Do I need to inform Etiqa if I privately settle the accident with the other party?

Yes, you are required to report every accident at an Etiqa Approved Reporting Centre, even if you have agreed to a private settlement with the other party. This helps protect you against any third-party claims that may arise from the accident and enables us to assist in defending you should any legal action be taken.

8. Should I accept any assistance from unknown roadside towing services or workshops?

No, you should not accept any assistance from unknown roadside towing service. If you require towing assistance, call an Etiqa Approved Reporting Centre for a tow truck, or for further advice on the procedure for accident reporting.

9. What should I do if my motorcycle is stolen?

If your motorcycle has been stolen, lodge a police report immediately and submit a claim with the copy of the report to us.

If you motorcycle has been stolen overseas (within the geographical boundaries covered by the policy), lodge a report with the local police immediately and submit a claim with the copy of the report to us at motorclaims@etiqa.com.sg