What Categories of Riders Are Insured?

As a motorcycle owner, did you know that you have the option to add someone else as your main rider or additional rider depending on your motorcycle insurance policy?

Thinking someone else is on your bike can make you sweat, but having one more passenger can help. Besides boarding the train station and jogging in the supermarket, it's helpful to know that someone else can ride your bike in an emergency.

However, it is important to obtain proper insurance before handing over the keys to the motorcycle. Every cyclist has different riding habits that come with their own risks, so motorcycle insurance companies are specific about who they cover.

For clarity, the following section explains the different classes of riders in your motor insurance policy, who can be named under your motor insurance policy and which are not covered, and what happens to your no-claims deduction (NCD) if you add one to your your motorcycle insurance Add named driver.

Types of personal classes in your motorcycle insurance

1. Policyholder (also known as vehicle owner)

This indicates the registered owner of the vehicle. As a general rule, only registered owners of motorcycles can sign policy schedules as primary or major policyholders.

2. Lead runner

He is the person who uses motorcycles most often. Lead drivers are 21 to 65 years old and require at least 2 years of driving experience.

3. called riders

These are the passengers you specifically listed as part of your motorcycle insurance policy. You must be between 21 and 65 years old and have at least two years of riding experience.

4. Authorized drivers

These are family members or friends who are not named on your motorcycle insurance policy, but who do let you drive your motorcycle.

Who can be named in your motorcycle insurance policy?

If you designate someone else as a designated driver under the policy, that driver will have the same coverage as you. You can also add the optional Any Rider perk. This ensures that all licensed riders have the same insurance coverage while riding the bike.

However, all licensed or anonymous riders must meet the following criteria to be covered by motorcycle insurance: Certified pilots must:

  1. He holds a valid motorcycle license from Singapore and has over 2 years driving experience in the country.
  2. 3 years prior to commencement of insurance there are no negligent claims (no accidents). 
  3. Has not been suspended or banned from driving in the past 5 years.
  4. Do not use the insured motorcycle for rental or delivery purposes, even if delivery use is described and selected in the motorcycle insurance policy.
  5. Motorcycling with the insurer's permission.
  6. Depending on which alternative "any driver" is chosen, the minimum age is 25 or 30 years and the maximum age is 65 years.

Riders not covered by your motorcycle insurance

However, most insurers strictly exclude certain drivers from your policy. Insurance companies usually won't cover you if:

  1. Insurance renewal requests for the last 3 years have been refused.
  2. Your policy has been revoked within the last 3 years.
  3. Your license has been suspended or terminated within the last 5 years.
  4. Your motorcycle is registered with the company (for example for professional use).
  5. Use your motorcycle for commercial, rental or premium purposes.
  6. We use your bike to serve you full-time and part-time. Unless you report such use in good faith and choose appropriate coverage.

What happens to my No Claims Discount (NCD) when I add a designated driver to my insurance policy?

Adding a named driver to your auto insurance doesn't change how you earn claims-free discounts. However, if another passenger has an accident and makes a claim, this is based on your policy and means the discount may be affected.

Should you consider listing nominated and licensed riders as part of your policy?

While obscuring the driver's name can be a useful feature, the benefits outweigh the cost and risk. For example, when another person rides a motorcycle frequently or for a long time. When driving a car, it is a good idea to add it as a named driver to your insurance policy. Be careful about who you add to your coverage, as adding high-risk drivers can potentially increase your rates significantly.

Adding "All Riders" may be a better option if you often have your biker friends ride their bikes. However, beware of drivers who are not covered by insurance if they do not follow the rules set out in the policy. It is always best to compare motorcycle insurance prices online to find the best option before finalizing your insurance decision. If you do not decide on a provider, consult a qualified insurance specialist.