One of the concerns motorcycle riders have when thinking of switching to electric motorcycles is whether they’ll be able to ride it in the rain. This is a valid concern, especially in Singapore, where there’s heavy downpours during the monsoon seasons. 

Logically, we know that electricity and water make a deadly combination. So, the main fear for riders is getting electrocuted if they ride their electric motorcycle when it’s raining. But does your electric motorbike become an electrical shock hazard when wet?

The answer is no. Your electric motorbike won’t become a lightning bolt in the rain. In fact, you can even charge your electric motorcycle in the rain, but, of course it’s advisable to protect your charger from moisture and wetness. 

With that said, there are certain precautions that you should keep in mind when riding your electric motorcycle in the rain. In this article, we’ll explain the basic rules to follow and tips to help protect your electric vehicle during a downpour.

Electric Motorcycles – Waterproof or Water-Resistant?

Firstly, you must understand that electric motorcycles are water resistant and not waterproof. Think of it like your mobile phone; you may be able to use it in the rain if it’s water-resistant but you certainly won’t keep it out in the rain for long because there is a chance water could seep into the electrical ports.

The same applies to your electric motorbike. Most electric motorcycles are designed to keep rain and water out of the electrics. So, there’s no need to worry about getting electrocuted when riding it in the rain. But, you definitely don’t want to submerge it in a puddle or leave it under the rain for long. 

Exposure to the rain will not cause your electric motorcycle to become an electric conductor but it can significantly affect the bike’s components. Remember, any vehicle with long-term exposure to water will have serious problems.

Riding Your Electric Motorcycle in the Rain

Getting electrocuted should not be a major concern when riding your electric motorcycle in the rain or on wet roads.

You don’t even have to worry about not being able to use the touchscreen. Most electric motorbike makers have equipped the bike with a resistive touchscreen that allows riders to operate it even while wearing gloves or when riding in the rain. 

Here’s a video of the Evoke to show you that you can use your electric motorcycle even while it’s raining.

Tips to help protect your electric motorcycle in the rain:

Source: Carsome

• Park it in a safe location. Preferably somewhere shaded and where it won’t be submerged in water. If you cannot find a shaded location, then you should protect it with a waterproof motorcycle cover.
• Charge it in a dry area. If you need a fast 30-minute charge at an outdoor charging station, check to make sure that the charger has an IP56 waterproof rating at the very least. Otherwise, we recommend that you head to a covered charging station for a quick charge while it’s raining.
• Always keep your electric motorcycle dry. If you’re caught in the rain while riding, don’t panic! You will not get electric shocked. But, it’s best to immediately wipe off your bike after riding in the rain to avoid any damage due to moisture.

Electric Motorcycles Won’t Shock You in the Rain

We don’t recommend that you take your electric motorbike out when it pours, even if you like riding in the rain. But, at least now you have the peace of mind knowing that you won’t be electrocuted if you’re caught in a thunderstorm.

However, if that happens, you should try to get to a safe, dry spot and wait out the rainstorm. While waiting, you can dry off your bike and get it charged at a covered charging station. 

Is this your main concern as a motorcycle rider? Are you worried about getting electrocuted while riding your electric motorcycle in the rain? Let us know in the comments below!

The post Electric Motorcycles | Can I Ride it in the Rain appeared first on Car, Motorcycle & Travel Insurance Blog | DirectAsia Insurance Singapore.

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When was the last time you performed a full maintenance check on your motorcycle? As a motorcycle rider, it’s pertinent to know how to check the important components of your motorbike before you hit the road. Not only will it keep your bike in tip top condition for years to come – even if it is in storage – a motorcycle in good condition is also safer for you.

So, make sure you run through our updated checklist of tips on how to maintain and do safety checks on your two-wheeler for a smooth ride. But, while our handy care tips will help you keep your bike healthy and safe, remember that it also needs regular check-ups and servicing by a professional mechanic.

7 Motorcycle Maintenance and Safety Checks Every Rider Must Know

1. Tyres & Axle Shaft

Source: autoevolution

Starting from the bottom up, the first thing you should check on are your motorcycle’s tyres. Riding on any kind of road conditions with bad motorbike tyres can prove to be fatal if you do not take the necessary precautions.  

You should check for signs of: 

• Aging such as faded spots due to the sun. 
• Wear and tear like smooth patches where you don’t see the tyre pattern, worn out tyre strips, dryness and cracking. These signs should be obvious to you just at first glance.
• Uneven tyre pressure. Push down onto the tyre. If it feels soft and squishy, that means the tyre pressure is too low. If the tyre feels rock hard, meaning you are unable to push down on it at all, then it is overinflated.

Also ensure your axle shaft is secured and tight. The axle shaft is the rod that rotates the wheels and supports the weight of your vehicle — as shown in the image above — if it’s broken, it’s a major repair. When you’ve bent or broken an axle shaft, one of the first signs you’ll notice is a slight wobble when riding. If you feel there’s an issue with your motorcycle’s axel, shaft or even if it’s just unbalanced tyres, take your vehicle to a trusted workshop for motorcycles immediately.

2. Brakes/Rotors

Source: MC GARAGE VIDEO

All vehicles have a braking system to slow down and come to a stop. The main component of the brakes on a motorcycle are the brake rotors. When you step on the brakes, your motorcycle’s brake pads compress against the brake rotors, creating immense friction to help stop your motorcycle.

Here’s what you should do:

• Check the rotor for any bending or deep grooving due to excessive heat
• Check pad depth on brake pads. It shouldn’t be too worn out
• Make sure your bike’s brake lever can be squeezed properly

3. Engine

Source: Motored Bikes

Next check the engine’s fluids as well as:

• Oil and filter
• Coolant level
• Air filter
• Spark plug 

You’ll know if your engine’s spark plug is worn out by checking its tip. If the tip is encrusted, blistered or oily as shown in the image above, it’s time to get it checked by a professional and replaced if needed.

4. Shocks/Swing arms

Source: The Triumph Forum

It’s important to ensure that your motorcycle’s shock or swing arm is not leaking. If there is a fluid leak, the residue from the oil will reduce the performance. If the oil in your shock leaks, it can disrupt your braking force. You should also make sure there are no broken springs on your shocks.

5. Drive Chain, Drive Train & Drive Shaft

Source: BikeAdvice

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Electric motorcycles are already here and just like the electric cars, it’s slowly gaining more traction around the world and in Singapore. And although top automakers have enhanced the aesthetics and performance of the electric motorcycle over the years, its mechanism has remained largely the same – basically, an electric motorcycle uses electricity as fuel. 

So, instead of the gas-burning engines of conventional motorcycles, the engine of an electric motorbike runs on electricity provided by rechargeable batteries. This switch in using electricity to power motorcycles is much cleaner and environmentally-friendly. It doesn’t require any burning, the parts of the engine don’t wear down easily, plus there’s no traces of noise and gas pollution.

But how exactly does the electric motorcycle work? First, we’ll discuss the main components of an electric motorcycle. Then, we’ll go through the mechanics of an electric motorcycle compared to gas-powered motorbikes.

What Are the Main Components of an Electric Motorcycle?

There are a couple of main components that make electric motorcycles what they are – namely the electric engine and rechargeable battery. These essential parts also determine the efficiency and power of an electric motorbike. Here’s how they work:

1. Electric Engine

Engines of electric motorcycles are usually less complex and smaller – some as small as an alternator. This little electric motor is typically housed at the front of the back wheel, mounted low on the chassis. The motor is attached securely to the rear wheel, held in place by a chain and sprocket.

Electric motorcycles use this electric engine to generate power, which is transformed into movement energy. 

2. Rechargeable Battery

The electric motorcycle relies on a rechargeable battery to work. In other words, an electric vehicle’s fuel comes from its batteries. Each electric motorbike uses a compact battery system, which could contain multiple battery cells. 

The efficiency of an electric motorcycle’s battery is in how fast it can charge, how far it can take you on one full charge and of course, how well it performs when you accelerate. With this in mind, automakers are introducing new technology that increases the battery capacity of electric motorcycles. In the process, they’ve also figured out a way to manage the heat that the battery pack on an electric motorcycle produces when it’s moving or charging.

There are different types of batteries that are commonly used in electric motorcycles, such as:

• Lithium
• Lithium Ion
• Lithium Phosphate
• Litihum Ion Phosphate
• Lead Acid
• Nickel Metal Hydride

All types of batteries are rechargeable and they last somewhere between 2 to 10 years, depending on the type and manufacturer.

How Does an Electric Motorcycle Work?

So, how does an electric motorcycle and its main components actually work? Well, there are 4 main things that make your electric motorcycle move:

1. Charging the Battery

The magic starts with the battery of your electric motorcycle. Charging it is similar to that of an electric car that uses an electric charging station or outlet installed near your housing area. It can take anywhere between 4 to 24 hours to reach full charge, depending on the type of battery your motorcycle has. For example, lithium batteries are fast-charging and can be fully recharged within 1 to 2 hours. Where else, a lead acid battery will take over 12 hours to charge to full capacity.

2. Starting the Engine

Once you charge the battery, you can start your electric motorcycle with just a turn of the key – very much like a conventional motorbike. What’s different is, instead of the pistons moving up and down in the cylinder block, driven by explosions of a fuel-air mixture that has been ignited by a spark, the electric motorcycle just transforms the power from the battery directly to the engine.

3. Power Generation 

To generate power to move, you have to ensure that electricity from the battery pack is delivered to the engine of your electric motorbike. In other words, your electric motorcycle will not move or accelerate if its battery is not charged. It’s pretty much like trying to ride a conventional motorbike with an empty fuel tank.

4. Acceleration

When you accelerate on your electric motorcycle with a twist of the throttle, the power going out from the battery into the electric engine will increase. Moving parts within the engine will transfer the power into the sprockets and the chain will start moving. Movement of the chain will activate rotation of the rear wheel and your motorcycle will start going forward.

And because of the simplified mechanics of an electric engine, it causes very low friction in the engine making acceleration of an electric motorcycle much faster and more powerful than that of a gas-powered motorcycle.

Benefits of Riding an Electric Motorcycle

We hope this article about the electric motorcycle and its mechanism gives you a basic understanding of this vehicle and how it works. The electric motorcycle is indeed a remarkable machine that will only gain more popularity in the future.

So, here are a few benefits worth noting if you’re considering switching to an electric motorcycle. Despite long charging sessions to keep the battery going, electric motorcycles contribute to cleaner air. Eliminating oil and gas fumes are much better for the environment, especially in smaller cities like Singapore.

Maintenance and repairs for an electric motorcycle is likely to be less expensive compared to a gas motorbike. Although the initial purchase may be more expensive than a gas bike, there shouldn’t be many repair issues with electric motorcycles.

Another perk of riding an electric motorcycle is that the engine is almost silent. Besides avoiding hearing damage yourself, other road users will also be spared from loud engine noises every time you accelerate.

Finally, electric motorcycles are equipped with advanced safety features. Some come with advanced collision warning system and an electronically adjustable seat to enhance riding comfort and help you avoid an accident.

Do you know how an electric motorcycle works? Share this article with a bike buddy that should know this or leave a comment below.

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As the owner of your motorcycle, do you know that you have the option of adding someone else as the main rider or additional riders under your motorcycle insurance policy?

Although the thought of someone else riding your motorcycle may make you break out in cold sweat, sometimes having an additional rider can be useful. Besides a lift to the station, or doing the supermarket run, it can also be useful to know that someone else can ride your motorbike – insured – in the event of an emergency. 

That said, it’s essential that you have the right insurance in place first, before you hand over your motorcycle keys. Every bike rider has different riding habits that poses its own risks, so motorcycle insurance companies are specific about who they cover.  

To make it clear, the section below explains the various rider categories in your motorcycle insurance policy, who can be named under your motorcycle insurance policy vs. riders that will not be covered, and what happens to your No Claims Discount (NCD) if you add a named driver to your insurance policy.

Types of rider categories in your motorcycle insurance policy

1. Policyholder (aka Vehicle Owner)

This refers to the registered owner of the vehicle. Basically, only the registered owner of the motorcycle can sign off on the insurance policy document as the main or primary policyholder.

2. Main Rider 

This is the person that uses the motorcycle most frequently. Take note that the main rider must be aged 21 to 65 years old, with at least 2 years of riding experience.

3. Named Riders 

These are riders that you specifically list as part of your motorcycle insurance policy. They have to be aged 21 to 65 years old, with at least 2 years’ riding experience as well.

4. Authorised Riders 

These are family or friends that are not named within your motorcycle insurance policy, but you allow to use your motorcycle.

Who can be named under your motorcycle insurance policy?

If you have listed another person as a named driver under your policy, that rider will enjoy the same coverage as you. You could also choose to add on the ‘Any Rider’ optional benefit that ensures all authorised riders are also covered with the same coverage when riding your motorbike.

However, all authorised – or – unnamed riders must meet the following criteria, to be covered under your motorcycle insurance policy. The authorised rider must:

• have a valid Singaporean motorcycle license, with a minimum of 2 years driving experience in the country.
• have no at-fault claims (meaning accident-free) for 3 consecutive years prior to the start of the policy.
• not be under suspension or disqualification from driving in the last 5 years.
• not use the insured motorcycle for rental or delivery purposes, even if the delivery usage is declared and selected within the motorcycle insurance policy.
• ride the motorcycle only with the permission of the policyholder.
• be at a minimum age of 25 or 30 years old, and a maximum age of 65, depending on which ‘Any Rider’ optional benefit is selected.

Riders that will not be covered under your motorcycle insurance policy

However, most insurers strictly exclude some riders from your insurance policy. Insurance companies typically will not cover you if:

• Your application to renew your policy in the last 3 years has been declined.
• Your policy has been terminated in the last 3 years.
• Your license has been suspended or cancelled in the last 5 years.
• Your motorcycle is registered under your company (i.e. business use).
• You use your motorcycle for commercial purposes, hire or reward.
• You use your motorcycle to perform delivery of services, whether on a full time or part time basis, unless you declare such usage truthfully and select the right cover.

What happens to your No Claims Discount (NCD) if you add a named rider to your insurance policy?

Adding a named driver to your motorcycle insurance policy won’t change the way your no claims discount is accumulated. However, it does mean your discount is likely to be affected if the other rider has an accident and makes a claim, as it will still be made on your policy.

Should you consider listing named riders and authorised riders under your policy?

The named rider coverage can be a helpful feature, but the benefits need to outweigh the costs and risks. If someone else will be riding your motorcycle frequently or for a long duration, like going on a road trip, it may be wise to add them as named riders to your policy. But, be careful who you add to your coverage, because adding a high-risk rider can potentially increase your rates significantly.

If you’re ok letting your bike buddies ride your motorbike frequently, adding on ‘Any Rider’ may be a better choice. However, do take note of the riders that will not be covered under your policy if they do not meet the criteria as stated within your insurance policy.

Before finalising your insurance decision, it’s always best to compare motorcycle insurance quotes online for the best options. If you’re undecided on which provider to use, consider speaking to a qualified insurance professional.

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Road accidents in Singapore have been on the rise. Statistics by the Singapore Police Force (SPF) revealed that accidents with injuries or deaths took a huge upward jump between June and September 2021 alone.

A recent news release of the mid-year traffic situation further broke down the statistics:

• The number of people involved in road traffic accidents rose 17.0% from 2020 to 2021.
• There were 3,577 injuries and 58 deaths reported.
• Almost 1 in 2 of all road accidents leading to death were motorcyclists and pillion riders.
• Jaywalking was the biggest cause of accidents involving the elderly.
• Car and other vehicular accidents are expected to increase with the resumption of more activities.

These statistics show that more can be done to raise awareness of road safety in Singapore. Some of the initiatives introduced by the Traffic Police (TP) include reaching out to senior citizens and engaging road users online.

What Can You Do To Avoid Road Accidents

Road accidents happen for a myriad of reasons, but there are a few that contribute greatly to the numbers above. In Singapore, the top three causes that could have seen a twist in outcomes with a little more road etiquette are  drink driving, beating the red light and speeding. These are traffic offences that could have been avoided as long as the rules were followed. We dig into the details below:

1. Skip The Drinks

Drink driving is a worldwide problem, and is therefore banned in most countries. While the incidence of drink driving has decreased over the years, it is still a major driver of road accidents in Singapore. About 1,507 made the numbers in 2020 alone.

Should the stars misalign, and you get caught, what’s waiting for you is a hefty fine of $10,000, a one-year jail sentence or both, even as a first-time offender. Plus, you won’t be able to drive for the next two years, let alone an insurance claim pay-out.                

So, if you are driving, skip the drinks. It is normal to feel the urge to have a tipple or two if you are at a party. Your loved ones will not be shy to offer a glass too. Politely explain your reasons and the dangers of driving under the influence — you do not want the day to end on a horrible note, after all!

2. Play by the ‘Traffic’ Book

It can be tempting to speed across the junction when the light turns amber, but this can bag drivers a composition fine of at least $300 and 12 demerit points. Again, why risk it? This has also led to many car accident deaths per year worldwide.

Although red-light running violations in Singapore decreased by 0.8%, from 24,147 in 2020 to 23,952 in 2021, it is still clear that traffic rules are chucked at one corner.          

When motorists speed past traffic lights as a convenient excuse to protect their tyres from sudden brakes, it’s more apparent that plenty aren’t taking the law seriously. What does it take to simply slow down when you approach a junction? Well, you get a smooth brake, avoid a fine and actually save a life.

3. Go Slow On The Accelerator

Speeding violations, in contrast to red light offences, increased by 25.3% from 340 in 2020 to 426 in 2021. The adrenaline in a fast-moving car is definitely appealing to many but there are many implications. Hard stopping when a vehicle crosses lanes can lead to serious road accidents involving other motorists around you. It is equally devastating when you are unable to brake in time near a traffic junction, and thus injuring passengers.

To avoid a penalty and serious traffic accidents, motor drivers should always adhere to the prescribed speed limit unless otherwise stated. Generally, most roads have a default speed limit of 50 km/h, excluding special zones like School Zones or expressways. Just remember, gradually hit the brakes when nearing a junction.

Mitigate Your Risk

With the looming dangers of driving and traffic accidents, having comprehensive motor insurance can protect you and your passengers in times of problems. Good drivers may also be entitled to receive rewards for safe driving.

Besides the fact that driving a motor vehicle is not allowed in Singapore if you don’t own a valid insurance, it lets you claim for financial damages or losses arising from accidents. Considering car insurance plans and policies for motorcycles can keep you financially guarded.

It is also wise to understand more about the insurance claim procedure. Knowing what to do can save you time, trouble, or unnecessary expenses. Be in the know of your document coverage documents carefully to avoid erroneous claims.

Source: SPF

Source: The World Bank

Car accidents can happen at any time. While Singapore’s road traffic fatality rate has been steadily declining through the years, from 3.76 in 2011 to 1.96 in 2021 — lower than the global rate of 18.18, we shouldn’t let our guard down. More importantly, with the increase from 2020’s rate of 1.46, it is apparent that more needs to be done to ensure road safety in Singapore.

We may have lesser cars on the road as people work from home, but a life is a life, and that’s precious wherever you are. On the road, safety starts with you.

Let’s buckle up and drive responsibly.

The post How To Reduce Risk Of Road Accidents In Singapore appeared first on Car, Motorcycle & Travel Insurance Blog | DirectAsia Insurance Singapore.

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As Singapore is set to phase out internal combustion engine vehicles by 2040, electric motorcycle numbers are slowly rising again. Electric motorcycles give out zero tailpipe emissions and are noiseless. So, if you’re a motorbike enthusiast and an eager environmentalist – always worrying about the carbon footprint you’re leaving on this planet – an electric motorcycle is something to consider. 

In other words, electrically rechargeable motorcycles have the potential to reduce air and noise pollution. And nowadays, prominent bike makers like Harley-Davidson and Honda are also manufacturing electric bikes due to demand in urban mobility post-COVID.

Not sure if it’s worth buying an electric motorcycle? To help you decide, we’ve put together 6 important advantages and facts you should know before riding an electric motorbike.

Singaporean brand Scorpio Electric’s first electric motorcycle – X1

1. The Silence

Electric motorbikes work on electricity. And because they don’t need combustion engines, they are free from noise caused by engine vibrations. This also means no transmission noises, no roar from the exhaust, nothing!  So, riding them would be a different experience compared to fuel bikes – it’s almost as if you’ll be in stealth mode.

2. Instant Torque

If performance is what you’re after, conventional fuel motorbikes can’t compete against electric motorcycles. Electric motorbikes can accelerate from 0-60mph in a couple of seconds. They maintain more consistent power and acceleration throughout the entire ride too.

Of course, such fast acceleration could put you and other road users at risk of an accident, affecting your motorcycle insurance. That’s why electric motorcycles are also equipped with great brake-power and a regenerative braking system. This advanced braking technology greatly reduces the wear of brake pads and rotors by taking the energy used in the process of slowing down to recharge the motorcycle’s batteries.

3. Added Safety Features

Electric motorcycles are more technologically advanced than fuel bikes. Besides a more interactive dash, the electric motorbike implements advanced features to enhance the rider’s safety.

Some electric motorcycles come with an advanced collision warning system. The system uses radar, cameras, and non-visual sensors to track the speed, direction, and velocity of moving objects, 360 degrees around the motorcycle. This is so that the rider is aware of the surroundings and can react in time to avoid an accident.

On top of that, several bike brands have produced their own mobile apps to increase riders’ levels of connectivity. Through these mobile apps, riders will receive safety alerts and suggestions on how to avoid them. You’ll also be able to track your electric motorcycle via GPS tracking on your mobile device if your motorcycle gets stolen.

4. Easy to Operate

Electric motorbikes have no gears, meaning riders don’t have to worry about shifting gears at the traffic lights or crowded streets. And without the need to shift gears, electric motorcycles are as easy to ride as a scooter – just twist the throttle and off you go!

But, bear in mind that electric motorcycles are heavier – though it doesn’t matter – so pay attention to traffic because before you know it, you'll be travelling much faster than you feel.

5. No Maintenance

Electric motorbikes are manufactured to be simple and fuss-free. No engine oil, spark plugs, air filters, timing belts, clutch, or gearbox – just an electric motor and a battery. There will be no more checking of the clutch fluid and oiling the chain.

So, unlike your fuel motorbike, you won’t have to get all messy. The only maintenance you’ll need to carry out is on the tyres, brake pads and hydraulic fluid, which will all last longer due to the regenerative braking system.

6. No More Petrol

Electric motorcycles run on stored batteries. You can charge them overnight as they take around 6 to 8 hours to charge from flat to full. Yes, we know not everyone may have the luxury of overnight charging, but the good news is charging facilities and infrastructure are constantly being improved to ensure electric motorcycle owners have the option of charging their bikes on the go. Added charging stations would also avoid long queues, as the number of electric vehicles increases on Singapore roads. To date, there are 2,942 EVs in Singapore.

Currently there are only a few charging points across Singapore island due to the low numbers of electric motorcycles on the road. However, the LTA, together with industry players and technical experts, hopes to introduce high-powered chargers for fast charging and swappable batteries for ease of charging your electric motorcycle at home.

Save Money and the Environment with an Electric Motorcycle

Yes, currently electric motorcycles are expensive to buy compared to fuel bikes and battery costs are high. However, in the long-run, you will make more savings. A full charge of your electric motorcycle would cost much less than a full tank of petrol. 

Moreover, the Singapore government has aligned the road tax structure for electric motorbikes to that of regular fuel bikes, so you won’t be paying anything extra. And because electric motorcycles are easy to maintain, you will also save money on servicing, maintenance and repairs.

And if you’re worried about getting electrocuted while riding in the rain, don’t be! Electric motorcycles are designed to keep water out of the electrics. With that said, it’s important to know that electric motorbikes are water-resistant and not water-proof. So, you certainly should not keep your electric motorcycle submerged in water. Not because it will cause electric shock but because it can significantly affect the bike’s components. Remember, any vehicle with long-term exposure to water will have serious problems.

Motorcycle insurance is also another area where you can consider for electric bikes. You can customise your policy by choosing your cover type and optional benefits according to your needs. Plus, in Singapore, you get up to 20% discount in premium under No Claim Discount (NCD20) after 3 consecutive years of safe riding, without any claims.

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As with most inventions, the birth of the motorcycle evolved gradually – from steam-powered safety bikes, to gas-powered engines and ultimately to the four-stroke engine of a Harley we see roaring across expressways today. One fun fact about motorcycles to highlight, is that they have been around since the 1800s!

In the 19th century, early versions of the motorcycle were introduced by numerous inventors, across Europe. Although it’s not possible to identify a singular model or product as the “original” prototype, there were many notable developments that we can attribute to the birth of the modern day motorcycle.

It’s been over 150 years now, and the motorcycle is still a preferred choice of transportation – despite high COE costs and safety concerns – for some Singapore city dwellers. So, let’s take a look into how it all came to be. It may surprise you!

Steam-Powered Bicycles

The Copeland steam bicycle

1881: Lucius Copeland from Arizona created something similar. But he made the steam boiler smaller, and it could ride at 12 mph, which was a great achievement during that time.

Rover Safety bicycle

1885: The “safety bicycle” known as the Rover Safety bicycle was invented by John Kemp Starley. It began gaining popularity for its similar sized wheels, ease of mounting, and reliable braking. It offered more stability besides direct front steering, which improved control.

The First Gas-Engine Bike

The Harley Davidson Motorcycle

What About Motorcycle Insurance?

Only when automobiles became widely used after World War I, did the need for motorcycle insurance arise. This is because people realised that expenses caused by an accident could be very costly – whether medical and injury-related or due to property damage.

Over time, the types of motorcycle insurance and coverage have also evolved to suit each rider.

All you have to do is key in some important information online – like your motorcycle brand, model and first year of registration – for a quick quote.

A simple rule to follow when searching for the right motorcycle insurance coverage, is to calculate the premium and compare quotes with various insurers. Remember to submit the same information in order to accurately compare quotes, coverage, and pricing.

Did you know about the origins of motorcycles? Do you own a Harley? Share your thoughts in the comments section below.

The post The Evolution of Motorcycles | A Tale of Time appeared first on Car, Motorcycle & Travel Insurance Blog | DirectAsia Insurance Singapore.

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When were motorcycles first made? What’s the longest journey ever taken on a motorbike? And which Hollywood star owns a motorcycle manufacturing company? Whether you’re a novice motorcycle rider or a pro that’s been riding for many years, we guarantee that some of these motorcycle facts will surprise you!

From historical info to record-breaking trivia about motorcycles, we’ve listed 10 interesting motorcycle facts to share at your next riders club gathering. We bet there are a few that will stump even the best of motorcycle historians out there. So, let’s go through the list to find out what they are!

1. Motorcycles have been around since the 1800s! 

Yes, motorcycles have been around for over 100 years. The first internal combustion, petroleum-fueled motorcycle was the Daimler Reitwagen designed in 1885. It was built by two German inventors; Gottlieb Daimler and Wilhelm Maybach.

2. The term “motorcycle” was first used in 1894

Did you know that the motorcycle was first referred to as a ‘Petrol Bicycle’? It was only in 1894 when a German company called Hildebrand & Wolfmuller became the first to commercially manufacture the two-wheeler. The company referred to the vehicle as ‘motorrad’ (in German), which directly translates to motorcycle.

Colonel Lawrence astride a Brough Superior SS100 motorcycle

3. Helmet use for motorcycle riders was mandated after Colonel T.E. Lawrence died in a motorcycle accident

The story goes that Colonel Lawrence – immortalised as Lawrence of Arabia – was riding his motorcycle, a Brough Superior SS100, near his home, when he almost hit two boys on bicycles. He maneuvered to avoid them, but unfortunately got thrown off his bike. He succumbed to serious head injuries a few days later. 

Realising that his death could have been avoided, one of Britain’s very first neurosurgeons, Hugh Cairns, started researching the importance of crash helmets. His work was published in Britain’s Medical Journal, titled: “Head Injuries in Motorcyclists – The Importance of the Crash Helmet”. It was through his research and findings that the use of motorcycle helmets have become a requirement by law globally.

1904 Harley Davidson

4. The first-ever Harley Davidson motorcycle only went 40km/h

Invented by William S. Harley, Arthur Davidson, the first “real” Harley-Davidson motorcycle was completed in 1904. At that time, the duo immediately took part in a motorcycle race with their prototype model, finishing in fourth place. 

Although not as fast as it can go now, another interesting fact is that the very first Harley Davidson had a single-cylinder engine that actually used a tomato can as its carburetor.

‘Smalltoe’ – world’s smallest motorcycle

5. The smallest functional motorcycle in the world is called ‘Smalltoe’

Tom Wiberg, from Sweden, built ‘Smalltoe’ – the world’s smallest motorcycle – standing 2.55 inches tall and weighing a mere 2.4 pounds. The Guinness World Records certified Wiberg as a record holder in 2003 for making the smallest functional motorcycle in the world.

Smalltoe has an engine that can produce an output of 0.3 horsepower with a speed of 1.24 mph. The record was set when Wiberg rode his motorcycle as far as  32.8 feet, proving that it is a rideable motorcycle.

6. The longest journey ever made with the use of a motorcycle took over 10 years to complete

Emilio Scotto is an Argentine adventurer, photojournalist, and writer. As of 2009, he holds the Guinness record for the world’s longest motorcycle ride, spanning 10 years, 232 countries and a total distance of 457,000 miles (735,000 km). He rode on the “Black Princess” a 1980 Honda GoldWing GL1100 motorcycle.

This was considered a single journey because he didn’t return to his country of departure until the end, which was 10 years later.

7. The record for the longest-ever backwards motorcycle ride was almost 5 hours

Doing it a little differently in India, Havildar Pradeep set the world record for the longest ride backwards on a motorcycle. Yes, on 10 November 2020, Havildar actually rode 204.4 km in 4 hours 47 minutes, facing the other way as his motorcycle roared forwards.

Of course, we have to mention that riding a motorcycle without holding the handlebars is very dangerous. It is an action that we’d never recommend as riding safety should always be your top priority.

Neiman Marcus Limited Edition Fighter

8. The world’s most expensive motorcycle costs $11 million!

Most of us would think of brands like Harley Davidson, Ducati or BMW when thinking of luxury motorcycles. But do you know the world’s most expensive bike was manufactured by a company that designs high-end fashion?

Yes, the Neiman Marcus Limited edition Fighter, holds the title for most expensive motorcycle ever sold. Believe it or not, it was auctioned for a whopping $11 million in 2012!

9. The most popular motorcycle companies also manufactures other kinds of products

Did you know that most of the popular motorcycle manufacturers we know, produce so much more than just motorcycles? For example:

• Kawasaki also manufactures space rockets, ships, trains, personal water crafts, jet engines, electronics, helicopters, equipment tractors, and even missiles.
• Suzuki presently makes wheelchairs, cars, and marine engines.
• Yamaha started as a piano manufacturer. It still makes musical instruments today, besides other products like golf carts, car engines, industrial robots, boats, electronics, and wheelchairs.

Keanu Reeves and Gard Hollinger with a motorcycles they designed together

10. Keanu Reeves has his own motorcycle manufacturing company

Lastly, do you know which Hollywood celeb designs and makes his own motorcycles?

The Matrix star, Keanu Reeves, was a motorcycle enthusiast before he rode them in movies. After surviving a motorcycle accident in the ‘80s, mixed with his deep passion for motorcycles, he founded his own motorcycle company; Arch Motorcycle Company in 2011.

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In the world of scooters, the fashionable brand that often dominates is Vespa. This iconic scooter was invented in 1946 and produced by the Piaggio company. No doubt, the Vespa (which means Wasp in Italian) is a small vehicle with a big impact on scooter design and popular culture.

What’s there not to like about a Vespa? This simple scooter is easy to maintain, stylish, and cheap to run. City dwellers usually opt for a Vespa or scooter since it’s typically easier to maneuver. They usually also have a smaller, 10-inch wheelbase that uses an electric charging system to power ignition, lights, and other components. So, if you’re driving short, sporadic distances across roadways with low speed limits, this is ideal.

How Did the Vespa Become So Popular?

A symbol of Italian style, this famous motorised two-wheeler became the embodiment of just that – effortless elegance. The main appeal that catapulted its popularity is its unisex design, allowing it to be driven by finely dressed men as well as women in fashionable skirts.

Of course, Hollywood also contributed to the Vespa craze, as seen in William Wyler’s 1953 romantic comedy, Roman Holiday. The movie featured Audrey Hepburn and Gregory Peck buzzing through the Eternal City on a Vespa! This resulted in soaring sales of over 1,00,000 units that year.

Besides assuming the role of a fashion icon, it also represents milestones in terms of industrial design and culture as it changed the lifestyles of billions of people post-war.

Cultural Impact

Basically the Vespa symbolises hope. After the turmoil of World War II, it influenced the youth culture and consumerism throughout Italy and then the rest of the world. 

Due to its low price and very popular appeal, it became a prime object of desire for young, working adults. Apart from its symbolism of ‘modernity’, it also enabled young people to travel to social events in other villages and cities easily. This was a crucial factor because with the Vespa, the youth of Italy could finally express themselves individualistically. 

Besides influencing the youth culture, the Vespa proved essential in uplifting the status of women in society during the 1960’s. Prior to the Vespa, a woman riding a motorbike was unheard of in Italy. But, due to its universal appeal, and strategic product placement within Hollywood films, it became a symbol of feminism and change. 

Design Impact

Vespa MP5 Paperino
(Credit Source: Wikimedia Commons)

It all began right after the war, with the aim of building a light-weight two-wheeler to appeal to the masses. And so, the very first Vespa was conceptualised. Called the ‘Paperino,’ this model showcased a monocoque shell (as shown in the image above) to enclose the direct drive engine.

Vespa 98

However, Piaggio was not too happy with the initial concept and asked aeronautical engineer Corradino D’Ascanio to come up with an alternative design that would help people move around the city with ease and comfort. As a helicopter inventor, who did not like the heaviness of bigger scooters, D’Ascanio finally envisioned the iconic Vespa 98.

The original design also featured a step-through entry and a comfortable upright riding position. This was a plus for women who could ride it even with a skirt or dress on. On top of that, the encasing kept grease from the engine off chic Italian clothes.

Over the years, other models were introduced, but the iconic form of the original Vespa 98 is what is globally recognised today. And, this icon is as much about technology as it is design. Firstly, it’s innovative four-stroke electronic injection engine makes this scooter the perfect choice for city riding. It also prides itself with maximum road safety, with its 220mm double disc brake, two-channel ABS braking system and large 12-inch wheels.

Of course, to further safeguard you and your Vespa, a good motorcycle insurance policy is important. It is one of the types of two-wheeler insured by DirectAsia.

Vespa: A True Story of Innovation

The Vespa is not just a scooter; it is ‘the’ scooter. Men and women all around the world were attracted to its design, smooth ride, and ease of use. It also allowed them to zip through the city quickly – turning luxury into necessity.

Becoming a symbol of Italy and the modern lifestyle, it showcases freedom and mobility, with a promise of adventure to its riders. For Italy, it is also a symbol of regeneration. Basically, it was an innovative solution to a big problem – providing reliable personal transportation at a low cost. 

Up to date, the Vespa has been exhibited in the Guggenheim in New York, in Bilbao, at the Louvre, and it’s been entered in the collection at the Modern Museum of Art (MOMA) in New York – forever showcasing this little vehicle as an icon of its era.

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As a motorcycle rider, chances are you would have heard many myths and misconceptions about motorcycle riding. Even veteran riders are prone to believing some falsehoods regarding the safety of riding as it passes down the bike chain. So, how can you separate fact from fiction?

We’ve put together a list of the 5 common motorcycle riding myths that have been busted by reports, statistics and real-life observation. Some of these may shock you, and some might be new to you. Regardless of what you may have heard or not, the time has come to separate motorcycle facts from myths!

1. Bigger Motorcycle Pipes, Better Performance

This is probably one of the most roaring myths that bikers believe. On the surface, it may make sense. The rationale is that the bigger your bike’s exhaust pipes are, the higher the performance of the engine.

But, the evidence against this myth is loud and clear. Bigger motorcycle exhaust pipes largely exist because they look cool and have little to do with motorcycle riding performance. Most conventional bike pipes are also specifically built to gain maximum performance, by balancing power with noise and gas emissions.

What you should be aware of is that the National Environment Agency (NEA) of Singapore has recently tightened the rules on vehicle noise and emission standards to curb sound and air pollution. According to the revised guidelines, motorcycle noises will have to fall within 77 decibels – equivalent to the noise level of a normal conversation.

So, think twice before you fit your motorcycle with a big pipe. If your bike is already fitted with one, then you can attach a muffler to it, to lower the noise emission. Installing a proper air filter is also a better way to increase engine power and efficiency.

2. Helmets can hinder Vision and Airflow

Most riders understand the importance of wearing a good motorcycle helmet but there are a few who argue that it’s more harmful to wear one than to ride without it. 

There are a few reasons that uphold this tragic myth. Amongst them are:

• The higher probability that you can fracture your neck in an accident because of the increased weight of the helmet.
• Helmets block the motorcycle rider’s ability to see or hear potential danger.
• It restricts airflow to the rider, which restricts breathing and causes increased fatigue.

Clearly these fables came about as a way to avoid wearing a motorcycle helmet altogether. But statistics and intensive safety checks prove that wearing a helmet actually does the opposite: the visor provides protection from wind and debris, allowing the rider to see better. It also cuts down wind noise so the rider can hear better. 

On top of that, wearing a helmet reduces the likelihood of serious neck and head trauma sustained, if the rider gets into a serious accident.

3. Conventional Brakes are better than Anti-Lock Brakes

There is still a fraction of riders that prefer the conventional motorcycle braking system compared to the new anti-lock braking system (ABS) that has been around since the 1960s. Basically, the ABS system works to prevent a motorcycle’s wheels from locking during braking.

An experienced rider may say that they are skillful enough to never lock their wheels while on their motorbikes. For new riders, the common reason to opt for a non-ABS bike is the fact that they may not properly learn how to brake in the first place. 

With that said, the ABS system can no doubt increase the safety of riders by avoiding accidental locking of the wheel when braking, besides enabling the rider to brake quicker and faster at a short distance. So, if you think that you would be able to react faster than this proven technology designed specifically for emergency braking, perhaps it’s time to remove your heavily-tinted visors.

4. Riding Gear Is Hot and Uncomfortable

Riding a motorcycle in a hot and humid country like Singapore can be challenging. What more with the added weight of bike riding gear that many deem to be hot and uncomfortable. 

The thing is, these days there are ample riding gear options available that are made of materials suited for our climate – rain or shine. Good riding gear should actually provide sufficient ventilation and protection when riding. It definitely pays to invest in a good riding suit, gloves and boots for the added security.

5. Other Road Users Don’t Care About Motorcyclists

This one is also an untrue myth that has lingered on amongst motorcyclists. Although statistics show that motorcycles meet with more accidents than other motor vehicles, it’s not like other road users are out to get you! 

Most of the hits or near-misses come because bigger motor vehicle owners don’t see the motorcyclist, perhaps because they are in their blindspots, or there isn’t a distance kept between the two vehicles. Of course, other contributing factors on the part of the motorcycle riders could be things like speeding, violation of traffic rules and weather-related problems.

Basically, when it comes to road safety, nothing beats skill and safe road-sharing habits. To ensure that other road users can see you, turn on your headlights or wear brightly colored safety gear. Always use your bike signals when turning and avoid weaving through fast moving traffic or squeezing through small pockets of space.

Motorcycle Myths Busted!

Have you heard of these motorcycle myths? Do you believe them to be true? Let us know in the comments section below!

The bottomline is, motorcycle riding requires skill and proper safety measures. You can also practice safe riding by utilising technology, such as the on-board unit (OBU).

To add on to your safety, don’t forget to equip yourself with the best motorcycle insurance in Singapore. Direct Asia offers three main cover types of motorbike insurance to give you total peace of mind when navigating through Singapore roads. Get a quick quote online or call us at 6665 5555 for more information. Don’t get baffled by these busted myths!

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Although quarantine restrictions are slowly easing, it may be a few more weeks before you can take your motorcycle out for a long cross-country ride. Or perhaps you have a classic bike collection that requires extra care. Depending on your plans, correctly protecting and storing your motorcycle can be a challenge.

Failure to properly store your motorcycle can have financially crippling implications. Therefore, prior thorough preparations to store your motorcycle is required. If it’s a classic bike, you should definitely go the extra mile to ensure it’s protected.

We’ve gone through some steps you should follow to maintain your motorbike when not in use before. Here are some added tips to ensure that your bike does not degrade due to environmental factors like humidity and oxidation. 

Which is Better: Indoor or Outdoor storage?

Storing your motorbike indoors is the best option as it’ll not only help to protect it from the elements, but it’ll also prevent your motorcycle from being stolen. However, if you have space constraints or if your motorcycle collection is large, then invest in a good and long-lasting motorcycle cover to protect it outdoors. 

Storing your motorcycle outside exposes it to the rain and sunlight, which can cause rust and corrosion. So it’s particularly important to shield the engine and battery from exposure to heat and moisture.

How to Protect Your Motorbike in Short-term Storage?

1. Lift the Wheels

Firstly, it’s advisable to lift your wheels off the ground to avoid flat spots from the constant pressure of the bike. If your bike has a center stand to prop it up, use it. But even better would be to get motorcycle stands or a portable hydraulic lift to keep both wheels off the ground.  This way, you don’t have to rotate the wheels while in storage.

2. Charge the Battery 

Your motorcycle’s battery can go flat if you leave the bike unused for months or even weeks. Every time a battery loses its charge completely, it causes permanent battery damage and can prevent the battery from charging fully when needed.

If your motorbike hasn’t already got one, fit a battery charging plug-in point so that you can easily keep the battery topped up. This simple step can extend the life of your motorcycle’s battery and will ensure it’s ready to go when you’re ready to hit the road again. Of course, if you don’t want to invest in motorcycle battery chargers, you can simply charge the battery manually every couple of weeks.

3. Top up the Tank with Fresh Fuel

Unless you’re getting your motorbike “museum-ready” to store it for years on end, you’ll have better luck protecting its fuel tank with clean fuel. An empty tank is vulnerable to corrosion and dried out seals, while a tank full of fresh fuel can help prevent rust from forming within the tank.

4. Add a Fuel Stabiliser

After you’ve topped up your motorcycle’s fuel tank, you should add a fuel stabiliser and run your engine for a few minutes to allow the stabiliser to mix throughout the engine and fuel system. This step is important to ensure that moisture does not mix with the fuel, while preserving it from evaporating. 

Your motorcycle’s fuel can start to spoil within two weeks in storage due to several factors that can affect the quality and, therefore, the usability of the gasoline. If your gasoline has been stagnant for a prolonged period of time, and it is ethanol-based, there’s a chance it will begin to spoil.

This is due to the ethanol itself. The alcohol-based fuel attracts moisture. Whether water particles come from within the tank, condensation, or the outside atmosphere, it can be extremely damaging to your motorbike’s engine.

5. Check Your Motorcycle Insurance 

Besides physically preparing your motorbike for short-term storage, it is also important that you check your motorcycle insurance. Check its renewal date and ensure that it does not lapse while in storage. It is not advisable to cancel your motorcycle insurance or allow it to expire although not in use, because you still want it covered in case of theft or fire depending on the cover type you opt for.

If you end up parking your bike on the street during this period, then there are a number of extra precautions you can take to ensure your bike is as secure as possible:

• Using the strongest, most secure lock you can afford
• Install an alarm system on your motorcycle
• Park your bike in a well-lit area 

Bringing Your Motorbike Out of Storage

Motorcycle storage preparation is important no matter if you’re storing your bike for a short period of time or long-term. When you finally pull the cover off and your bike emerges from storage, check it from end to end for any leaks, damage from rust or even pests. 

Follow these motorcycle storage tips, and save on maintenance costs. Plus, it’ll ensure that your bike is ready to hit the road immediately when the time comes. The only issue might be whether your biking muscles will be quite as ready for the first swing of the leg after being out of the saddle for so long.

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Riding a motorbike has its perks. From navigating through traffic with ease to boosting your social circle via your local bike community, there’s a lot to be gained from owning a motorcycle. But did you know that riding a motorbike can also boost your mental health and overall well-being? 

In 2018, a study called the ‘Motorcycle Study’ sponsored by Harley-Davidson® and conducted by UCLA’s Semel Institute for Neuroscience and Human Behavior proved this. Observed over several weeks, the experiment measured brain activity, heart rate, and a panel of hormones in three conditions: riding a motorbike, driving a car and in rest mode as a comparison.

The study noted that motorbike riders had higher focus, attention, heart rate, and levels of adrenaline, and lower cortisol—a stress hormone—while riding a motorcycle compared to driving a car. 

So, what does this mean? Basically, the study confirmed that riding a motorcycle benefits the body and also the mind. Some benefits are direct while others may be indirect outcomes of them. But did you know that riding a motorcycle can have some amazingly positive results for the rider?                                                                                                  

Here are 4 ways riding a motorcycle can improve your overall well-being:

1. It Can Help Beat Stress

Do you love riding your motorbike? Why? Is it because you feel peaceful while on your bike or do you prefer adventure riding and crave the thrill with every twist of the throttle? 

Either way, research shows that riding a motorcycle releases adrenaline, which in turn produces endorphins such as dopamine. Known as the ‘happy hormone,’ dopamine can make you feel good naturally. So, it’s no wonder that when you’re riding, the fresh air and sense of freedom can affect your mood and take away stress. 

The Motorcycle Study also scientifically proves that a 20-minute motorcycle ride can increase the heart rate up to 11% while boosting adrenaline up to 27%. To put it into perspective, these readings are similar to what you would see after doing some light exercise. On top of that, riding a motorcycle also decreases the levels of the stress hormone— cortisol— up to 28%.

2. Provides a Positive Outlet to Gain Clarity

Apart from day to day tasks, we all look for ways in which we can unwind. For some riders, hitting the road on their two-wheeler is a great way to clear the mind. 

When riding, your mind is fully engaged on the task, putting you in an active meditative state. This state of mindfulness you experience while riding is pivotal in aiding positive thinking and a clear mind. So, besides ironing out stress, riding can also help you gain clarity. 

3. Increases Sensory Focus

Riding a motorcycle also increases alertness. In the same Motorcycle Study, it was deducted that motorcycle riding enhances the rider’s senses more than driving a car.

Another study conducted by Dr Ryuta Kawashima, a Japanese neuroscientist and self-confessed motorcycle enthusiast, looked at the relationship between motorcycle riding and the human mind. The 2009 study found that riders aged 40-50 had improved levels of cognitive function after riding their bikes to work daily for just two months.

This could be due to the fact that motorcycle riders know that they have to be extra careful on the road. As it’s no surprise that most accidents involving motorcycles are fatal for the bike rider. 

Being a safe and responsible motorcycle rider does not just mean knowing all the road rules and ensuring you are covered by motorcycle insurance. You should also be alert and mindful of other drivers on the road.

4. Improves Core Strength

On average, a motorcyclist can burn up to 600 calories per hour depending on the terrain and body type. This is because your body works hard to maintain its balance, and keep you steady on your motorbike as you manoeuvre through various landscapes.

Because of this as well, riding a motorbike can also improve your core muscles over the long term.

To Ride or Not To Ride?

Riding a motorcycle is obviously different than driving a car. It requires your entire focus and you’ll have to keep alert to avoid accidents. But with no passenger beside you, it should be easier to concentrate on riding and the road ahead.

Science and research has also proven that riding a motorcycle can be a great form of therapy. It can help lift your spirits and gain clarity when needed. 

So, owning a motorbike can actually be good for your well-being after all!

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As a motorcycle rider, you would know that there is risk every time you get on your bike. Whether you’re involved in a crash with another vehicle (at fault or not) or your motorbike accidentally skids in the rain and crashes, motorcycle riders are exposed to danger more than any other vehicle on the road. 

Although you may actively try to avoid such mishaps, accidents are just that – an unfortunate incident that happens unexpectedly. No matter how careful you are, the fact remains that motorcycle riders are vulnerable to serious injuries when on the road. 

When a motorcycle accident happens, what makes the difference between life and death for the rider is how you, as a witness, react to the situation. If you’re the one involved in an accident, hopefully, there are other riders or road users that can help you through some of these important steps. But, if one of your biking buddies is the victim or if you happen to witness a motorbike crash, then follow these 5 steps and help save a life!

Step #1: Secure The Victim 

First things first – safety! If the crash happens on a busy expressway, find a way to warn, slow down or redirect oncoming traffic and get to the victim. Check if the rider is conscious and secure. Do not move the victim unless he/she is in a life threatening situation. Your main aim is to ensure that both you and the victim are out of danger’s way from other vehicles and road debris. 

Once the victim is safe, quickly check the crashed motorcycle as well, to ensure that the engine is switched off and no fluid is leaking onto the road. If possible, move it to a safer spot on the road shoulder. 

Step #2: Assess The Situation 

Next, assess the situation of the victim and the crash site, so you can report it accurately to the medical team and the victim’s motorcycle insurance company as the main witness. Check for injuries, but do not remove the rider’s helmet. You should also avoid moving the victim, in case there are serious injuries sustained, like broken bones or internal bleeding. 

However, you can open the rider’s helmet visor for airflow, so that the rider can breathe better. You can ask other bystanders to help you cordon off the area where the victim is lying, so there’s enough open space and comfort too. 

It always pays to be prepared with a simple first aid kit to help clean and tend to simple wounds. However, if there’s excessive bleeding, put pressure on the area to stop the blood flow till professional help arrives.

Step #3: Keep the Victim Calm

Then, talk to the victim in a calm tone and explain what had just happened. The victim is most likely to still be in shock and confused about the situation. Gently assure the rider that help is on its way and ask for the victim’s name, address, and emergency contact number, so you can help inform the paramedics for more timely coordination.

Step #4: Call for Professional Help 

After you are sure that the victim is comfortable and alert, call the medical experts and report the incident to the local police. You should ask someone to help you make the call if you can’t do it yourself. Be ready to report the location of the victim, and also, give your name to the operator for reference. 

Make sure you don’t turn off your phone in case the emergency team needs further information on your whereabouts and the present condition of the victim.

Step #5: Document the Scene of the Accident 

Once the victim is calm, ask for assistance from other witnesses to take photos of the accident site for documentation purposes. This will help the victim with their motorcycle insurance claim and No Claims Discount (NCD) if eligible.

Besides recording information of the scene, getting the contact information of other witnesses will also be very helpful to the victim when submitting their motorcycle insurance claim. Not everyone may want to be a witness but ask around if anyone is willing to wait for the authorities to give their official statements.

Be A Thoughtful Rider and Help Save A Life

Road safety rules should be practised at all times to avoid accidents and serious injuries. However, if you find yourself in a situation where you can be of help to a fellow rider, you should have some basic knowledge of what to do. 

Of course, there are also things you should NOT do:

• Do not move the injured victim if they complain of spinal or neck pain. Remember, the less movement, the better. You should only move the victim if you need to remove them from immediate danger.

• Do not act frantically. Though you may be in a slight state of shock yourself, stay calm when helping the victim. If you start yelling, the injured rider would also start to panic and this could worsen the situation.

• Do not assume others know what to do. If someone is screaming, firmly and politely ask them to move away from the victim. If someone is ready to help you but doesn’t know what to do, assign them something from the list above. You could say something along the lines of: “Hi, could you please direct traffic away from us?” or “Please call 995 and tell them where we are and that there’s someone injured due to a motorcycle accident” or “Hey, could you help move the people crowding around us back a little?”

Not many riders and motorists may be fully aware of what to do if they witness a motorcycle accident. This is why we have highlighted these 5 steps as a guide to help other motorcyclists in need.

Have you ever helped out at a scene of a motorcycle accident? What did you do? Share your story with us in the comments section below!

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All motorcyclists should understand the importance of wearing a good motorcycle helmet. Without the structural protection of a car, a motorcycle helmet acts like an armour for riders, against serious head injuries, in the event of an accident. 

Because of this, there are many factors to consider when buying a motorcycle helmet. Besides the material used, the fit and comfort of the helmet should be contemplated with full regard. It’s also worth noting that in Singapore, motorcycle riders caught wearing unapproved helmets could face severe penalties. The current law states that first-time offenders could be jailed for up to three months and/or fined up to S$500. If you’re caught a second time, you could be jailed for up to six months and/or fined up to S$1,000.

The safety requirements for a motorcyclists’ protective helmet is based on the Singapore Standard 9 : 2014, which is listed by the PSB (Singapore’s Productivity and Standards Board), now renamed SPRING (Standards, Productivity and Innovation Board) Singapore. 

Based on this, testing of motorcycle helmets involving various methods is conducted by a German testing, inspection and certification firm, known as TUV SUD. 

This organisation is responsible for testing the protective padding material, motorcycle shell structure integrity, helmet visor and the effectiveness of the retention system that keeps the helmet snug on the rider’s head. If approved, a sticker with a blue tick and the words “batch inspected” is affixed at the back of the helmet to certify that it’s compliant with the safety standards and approved for use in Singapore.

Read on to learn more about the use, design and performance of motorcycle helmets.

Important Facts You Should Know About the Design and Use of Motorcycle Helmets 

As mentioned, it’s common sense that your motorcycle helmet protects your head from hard impact. But do you understand the technical expertise behind the design of it? Here we’ve explained what happens to the head in the event of a motorcycle crash, and the components of a helmet that help reduce this effect.

1. Hit Zone

When a motorcycle is involved in a collision, the rider is often thrown off the bike. When this happens, it’s highly likely that the rider will land face first on the ground. In most cases, the main hit zone is the forehead and the chin. This can result in anything from a minor head injury, such as a concussion, to a cracked jaw or skull. 

To mitigate this, comfort padding is added to the inner layer of your motorcycle helmet and on the chin strap. On top of that, the helmet shell is made to distribute the impact of the crash over a greater surface area so that it is not concentrated on the skull. 

2. Impact Material

The most common impact material a helmet comes into contact with is the gravel road and flat pavement. In this instance, the shell and impact-absorbing layer of the helmet provides additional protection for the head against severe traumatic brain injury. It prevents direct contact between the skull and the impacting object by acting as a barrier between the head and the object.

This is why motorcycle helmets have a hard shell with a smooth exterior. But, although the shell is solid, it is designed to compress when it hits a hard surface. It also protects against penetration of sharp and high speed objects as well as knocks and abrasions from daily use. The dense inner layer on the other hand, cushions and absorbs the shock and inertia created, when the helmet stops and the head continues moving from the impact.

3. Retention System

This ensures the helmet stays on the head in a crash. It is meant to ensure that there is limited movement of your head within the helmet during impact, which is what helps protect your head from serious injury. The chin and neck straps are designed as part of this mechanism to keep the helmet on during an impact.

4. Helmet Design

In addition to meeting the described functions and conforming to safety standards, a helmet is designed to suit local weather conditions. The following are some of the considerations that go into motorcycle helmet designs:

• Materials used – Should not degrade over time due to exposure to weather, nor should it be toxic or cause allergic reactions. The materials used should also be sturdy and shock-absorbent. 

• Helmet Coverage – As shown in the image above, a “full-face” helmet offers the highest level of protection; “open face” being second. But, “half-cap” helmets do not meet the needed safety requirements. And keep in mind that a full-face helmet should not block your vision and your hearing should not be compromised.

Never Ride Without a Helmet!

As a responsible motorcyclist, you should always protect yourself while riding. You can be issued a penalty of $150 and 3 demerit points for failing to wear or not securely wearing a protective helmet. So, you should invest in a good motorcycle helmet that meets all the crucial requirements and safety standards. There are also smart helmets worth looking into to assist you when riding. 

However, it’s possible that accidents may still occur even if you take all the necessary precautions to avoid the fatal risk of skull damage and traumatic brain injury. If you are involved in a motorcycle accident resulting in serious injury – whether sustained by yourself or another road user – that’s when your motorcycle insurance is going to help. That’s why it is important to choose the right cover and protection to cater for unexpected incidents.

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The Certificate of Entitlement (COE) was introduced in Singapore in 1990, to curb road usage and limit vehicle ownership across the country in the midst of a booming population. Being a small island with limited land space, it’s an obvious solution to avoid congestion and maintain a safe road network. However, the rising costs of COEs, especially for motorcycles this year has severely affected motorbike dealerships and budding riders.

In this article, we discuss how the COE works, why the current costs for motorcycle COE is going up and what you can do as a biker about the soaring motorcycle COE costs. 

How does the COE work?

Basically, the COE system entitles vehicle owners to drive on Singapore roads for up to 10 years. A controlled number of COEs are released twice a month via the Vehicle Quota System (VQS), and the cost largely depends on market demand. 

Car and motorcycle owners can purchase a COE for their vehicle, once it’s released, by submitting their bid online. The COE prices are then determined by bidders in an open market, causing it to fluctuate as seen in the past few years. 

Why is Motorcycle COE rising in cost?

Motorcycle COE has been on a steady rise since the beginning of this year, recording about $8700 in May to a whopping $9689 during the first week of Sept. However, there has been a slight decrease in the last bid (22 Sep 2021) of about $600.

This hefty COE cost has certainly dampened many riders from purchasing a new bike. Compared to the cost of purchasing a motorcycle, the new COE prices are simply unjustifiable. For example, a Yamaha T150 Sniper with a machine price of about $5000, would cost more than S$13,000 with the current COE price. If you’re familiar with motorcycles, you would know that this is an unreasonably high cost for a lightweight bike. Not forgetting that this does not include road tax and motorcycle insurance. 

If you’re wondering why the COE prices have skyrocketed recently, then first you must understand the law of Supply and Demand. To put it simply, an item will tend to increase in price when the supply of it decreases, as it becomes a rare item to purchase. On the other end of the scale, the price of the good could also increase when the demand for that good increases.

On that note, the rise in cost has left some parties perplexed, in view of the high supply of certificates that were made available mid this year. So why exactly has the cost gone up so high?

One reason could be due to a drop in the COE quota over the past few months because of reckless overbidding. Seeing that the penalty for unused COEs is as low as $200, some bidders may resort to submitting multiple applications with little qualms about being forfeited. 

However, there may also be genuine demand for motorcycle COEs due to the growing demand of food delivery services. Because of Covid-19 restrictions, which don’t allow dine-in at restaurants, food delivery services like GrabFood and Foodpanda in Singapore have seen a spike in riders, which has inevitably affected the bidding of COE. 

There have been many speculations, but the fact remains that the cost of owning a motorcycle is ridiculously high as a result of exorbitant COE costs. 

What Can You Do as a Biker?

So, the ultimate question you’re probably contemplating is, what can you do about this? Whether you’ve decided to invest in a motorcycle for work or you’re thinking of getting a bike for the love of riding, we understand that this has probably put the brakes on your hopes of buying a new motorcycle.

One way to dodge the high COE prices is to opt for a cheaper second hand motorbike sold at dealerships. Some dealers may have also bought the COEs at a lower price and while it may be sold at a premium, there’s a better chance of avoiding the recent premiums that are higher.

Besides that, there are petitions being put forward, such as the ‘Appeal to Review and Increase Cat D (Motorcycle) COE Forfeit Penalty,’. You could also try writing in to the LTA or speak with your MP at Meet the People Sessions to voice out your concerns.

Bottomline

Although we know the COE system helps regulate the number of motorcycles on the road, it’s hard to ignore the reality that many rely on their motorcycles to make a living, as in the case of food delivery riders. It’s also an obvious fact that commuting by motorcycle rather than car can actually ease overall traffic congestion. 

Yes, we all want safer roads with smooth traffic, but there’s no harm in voicing your concerns, especially if it directly impacts your lifestyle and livelihood.

Are you a motorbike rider who’s been affected by the rising cost of COE? Share your thoughts with us, regarding this issue, in the comments section below!

The post High Motorcycle COE Prices | What Can You Do About It? appeared first on Car, Motorcycle & Travel Insurance Blog | DirectAsia Insurance Singapore.

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If you are a motorbike enthusiast and love the thrill of adventure, then you probably dream about hitting the dirt road in an exciting motorcycle riding trip! 

Adventure motorcycle riding is definitely a fun way to put your two-wheeler to the test while enjoying the great outdoors. But, there are important things to consider, like, what type of bike to use, what gear is necessary, weather conditions and most importantly safety. 

Of course, when it comes to safety, the first thing you should get is motorcycle insurance. Ensure you choose the right motorbike insurance cover type that will protect you when riding through challenging terrains. You should consider adding on Optional Benefits like Any Rider that will also cover your riding buddies, should they want to test out your motorbike too. Bear in mind that this only applies to riders that meet the criteria stipulated in your insurance policy.

Once you’ve got that sorted, you can move on to the other prep work for your adventure trip. We’ve made it easy for you, by highlighting all the details you need to know, to go on your first adventure biking road trip! 

What is Motorcycle Adventure Riding? 

Naturally, before we get into what you should do, let’s discuss what adventure motorcycle riding is all about. Duh! Going on an adventure on your motorbike, right? Well, yes, that’s the gist of it, but adventure motorcycle riding is more than just going on a joyride with the wind in your hair. 

Proper adventure riding involves riding through long highways, rough roads or dirt tracks to another location. You could be heading to a quiet off-road rest stop or even another country, usually as part of a convoy. Typically, adventure riders prefer to take the route less travelled to get to the end point, as that’s the whole thrill of the ride. 

In other words, be it dreadful weather, mechanical issues, or difficult terrain, adventure motorcycling is all about pushing your motorbike to its limits and having a blast while you’re at it. 

How to Prepare for Your Adventure Riding Trip?  

Here are the main things to think about, as pre-preparation for your exciting motorcycle adventure ride.

1. Terrain & Riding Style

Are you keen for a long touring adventure on uncharted highways or are you seeking a short day trip through more challenging terrain? Consider if the route is mostly dirt, gravel or mud roads. Then check on all other possible routes in case you decide to change course halfway through.

Thinking about where you want to ride to, the path you want to take to get there, and whether you’ll be riding alone or with a pillion rider, are crucial things to consider when deciding on all the other factors of your adventure riding trip. 

2. Type of Motorcycle

When it comes to off-road riding, the type of motorbike you choose plays a major role in your safety and overall adventure riding experience. Most sport bikes, cruisers, standard or touring motorbikes are not made for off-roading, unless you have modified it to be able to ride on dirt or gravel roads. 

However, if you’re planning to ride through more difficult routes, your best options are Dual-sport, Adventure or Enduro motorbikes that are made for adventure riding. Here’s a quick summary of these motorcycle types:

Dual-sport

This motorcycle is the most versatile for adventure riding beginners who have not ridden off-road before. It has a single-cylinder, making it much lighter and easier to handle when riding through sandy, dirt roads.

Adventure 

As the name suggests, these motorbikes are made for adventure. These bikes are comfortable for long distance riding with a pillion rider. However, it’s multi-cylinder engine makes it heavy and can be difficult to manage, especially if you are new to adventure riding and have no off-road riding skills.

Enduro

This motorbike is used for endurance races. It’s powerful and the lightest of the three that makes it the ideal option for real thrill-seekers that are keen on tackling very challenging and technical terrain. But the Enduro can cost a lot to maintain and is the most expensive option of the three.

3. Bike Accessories & Riding Gear

So, you’ve figured out where you want to ride to and got yourself a motorbike to suit your riding style. Now it’s time to think about the necessary accessories and riding gear for your adventure ride. 

There are plenty of motorcycle accessories you could get once you become an advanced adventure rider but to start, there are only 2 must-haves – a pair of handguards and a bash plate. These accessories are crucial to protect you, your bike and your engine, in case you fall off your bike and your motorcycle hits the ground. 

Besides that, you should set aside a budget for your riding gear. It’s a no-brainer that you should get a helmet, jacket, riding pants, a pair of gloves and boots that offer optimal protection, abrasion resistance as well as good breathability. Besides that, you should also invest in a sturdy impact suit and knee guards or braces for the added protection, if you want to seriously get into off-road riding. 

4. Join a Motorcycle Adventure Riding Group

Adventure bike riding is not a solo sport. Join a group like Adventure Riders Singapore, that’s made up of motorcycle enthusiasts like yourself. Get acquainted with other riders and check if there are any adventure riding trips coming up. 

Travelling with a group of adventure bikers, some of which may be very experienced in off-road biking, will give you a chance to learn some adventure riding tips and tricks. Plus, it’ll ensure you have help on hand in case you get injured or damage your bike. And of course, it’ll be much more fun!!

Hit the Dirt Road for Your First Adventure Ride!

Once you’ve covered your bases, it’s time to go on your first motorcycle adventure riding trip. Don’t forget to carry enough water to keep hydrated, and a first-aid kit just to be prepared.

It’s also worth bringing along a navigation device (or you can download an app on your mobile phone), a multi-tool kit and a mini air-compressor, in case you need it. 

Now, all that’s left to do is plan that trip and have a ride of your life!

The post Motorcycle Adventure Riding Singapore| Beginner’s Guide appeared first on Car, Motorcycle & Travel Insurance Blog | DirectAsia Insurance Singapore.

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To practice road safety in Singapore, you not only need to know the rules set out for you, but you need to be vigilant of all road users, whether it’s other cars, motorcycles, trucks, buses, bicycles or pedestrians.

While cars are protected with airbags, seatbelts, and the outer body of the vehicle, motorbike riders, cyclists and pedestrians are highly exposed, making them more susceptible to serious injuries and even fatality.

In 2020, motorcyclists and their pillion riders accounted for the highest number of fatalities in Singapore road accidents, followed by pedestrians and cyclists. The main causes of these accidents were cited as speeding, drunk driving, running the red light and jaywalking in the case of elderly pedestrians. In most of these cases, an accident could have been avoided if motorists practiced safe driving while on the road.

So, we’ve put together some safety rules – whether you drive a car or ride a motorbike – on how you can coexist with other vehicles and road users, and be prepared for all road situations.

Rule #1: Don’t tailgate

It is important to keep a safe distance between your vehicle and other vehicles or non-motorists on the road. If you drive a car in Singapore, a following-distance of at least one car length for every 16 km/h of your speed is advised, so that you can come to a stop within a safe distance of the car in front of you. Based on the illustration above, this would mean you need to be at least 3 car lengths away if you’re going at 48 km/h, 4 car lengths if you’re at 64 km/h, and so on. This rule also applies to motorcycle riders, if you’re caught riding behind another vehicle. 

Always keep a safe distance, so that you are not forced to brake abruptly. Bear in mind that other vehicles, especially heavy vehicles like trucks and lorries take time to come to a stop.

The other rule of thumb for all motorists, is to watch for the stop light of the vehicle in front and the traffic ahead to help you gauge a safe distance to keep to. And needless to say, you should keep away from the road shoulders and bicycle lanes to ensure there’s a safe distance between you and cyclists or pedestrians.

Rule #2: Check your blind spots

Whether it’s a bicycle, or pedestrian, non-motorists can go unnoticed. Ensure that you check your blind spots at all times, especially if you want to change lanes or make a turn.

You should also be aware that large commercial vehicles, with a higher elevation than an average car, have big blind spots on both sides. The driver would not be able to see you if you are directly behind. A good way to assess this is by remembering that, if you can’t see the driver’s face in the large vehicle’s side-view mirror, the driver probably can’t see you either. So, besides keeping at a safe distance, keep checking that you can see and be seen by other vehicles on the road.

Rule #3: Slow down and obey the speed limit

Speeding is seen as a severe traffic offense in Singapore. Exceeding the road speed limit by 1 to 40km/hr, will result in 4 to 8 demerit points and a composition fine ranging from $150 to $400, depending on how much you exceeded the speed limit by. If you go over 41 km/hr to more than 60km/hr, you will lose 12 to 24 demerit points and be liable for prosecution in court.

No matter how late you are for an appointment, or whatever emergency you’re facing, going over the speed limit is never a good thing since it can endanger your life and the lives of other road users. Always follow the stipulated speed limits and obey the “Reduce Speed Now” signs whenever you’re out on the road.

Rule #4: Stop at pedestrian crossings

When driving or riding through areas that are close to schools, shopping centres and parks, slow down and stop for pedestrians when you reach a zebra crossing. Remain patient especially with seniors and disabled people as they may need more time to cross the street, and remember that they have the right of way to safely get across the junction.

As a motorist, you must recognize your role in ensuring the safety and comfort of non-motorists on the road, such as cyclists and pedestrians.

Rule #5: Give way to non-motorists when turning

When turning left or right with your car or motorcycle, be aware that other vehicles or cyclists may appear from behind you, either to make the same turn as you or to overtake you and continue straight. So, it’s important that you’re mindful when turning, and turn only when there is a substantial gap between your vehicle and the other road user. Look out for pedestrians that may be crossing the road as you take the turn too. Let them pass before you make your way.

Keep checking your rear view and side view mirrors before you take a turn and avoid sudden swerves when turning. It pays to be extra cautious at such instances.

Rule #6: Never overtake unless you are confident

Do not overtake other motorists or non-motorists on the road unless you can do so without posing a risk to yourself or others. Be especially careful at night, and during heavy rains, as it can be more difficult to judge the distance and speed of other vehicles at such times.

In accordance with Singapore road rules, you are not allowed to overtake another vehicle when there’s a double white line at the centre of the road. You should also avoid overtaking when you are approaching a pedestrian crossing, a road junction, a street corner or a bend.

Another thing to note, is that when you are being overtaken, never try to increase your speed to prevent the other motorist from passing, especially if it’s a heavy commercial vehicle like a bus or truck. Slow down and give the other road user enough space to make a turn without causing any danger.

Bottom Line: Be Considerate of All Road Users

Driving without due care or reasonable consideration for other road users constitutes aggressive driving that can cause harm to other road users. As a motorist, you will either be guilty of or a victim of driver aggression that can lead to serious injuries or fatality. Don’t let this be you!

By following these six safety rules, you can ensure the safety of your family as well as other road users — whether they are motorists or not. You should also ensure that you have good car or motorbike insurance that covers third-party damage and injury, if you ever cause a road accident that involves another road user. DirectAsia’s car and motorcycle insurance offers 3 cover types; Third-Party Only (TPO), Third-Party Fire & Theft (TPFT) and Comprehensive, that all include third-party coverage. 
Good news is, if you keep to these road sharing rules and stay clear of accidents, you can also save more on your car insurance with DirectAsia’s NCD60! If you’ve held NCD50 for at least 5 consecutive years, you qualify for NCD60 and an extra 10% discount on your car insurance premium. If your motorcycle insurance is with us, you’ll be eligible for a NCD30 discount, as long as you’ve maintained your NCD20 for 2 or more consecutive years. So, let’s be considerate of one another and keep safe at all times!

The post Road Safety Singapore | Road Sharing Rules for Motorists appeared first on Car, Motorcycle & Travel Insurance Blog | DirectAsia Insurance Singapore.

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There’s nothing quite like being able to feel the wind in your hair on top of a motorcycle. Maybe you just got your motorbike license and you’re looking to buy your first bike? Or you want to get a two-wheeler for commuting to work, or perhaps you’re gearing up for an amazing motorcycle road trip soon – either way, finding the right bike can be a challenging task. 

You’ve probably been to a few dealerships to check out the latest models or scoured the internet looking for what’s available in Singapore. The amount of motorcycles available in the market is staggering, and even if you have a basic idea of what look you want, there are various types that are suited for different uses. To begin, you should know what are the important factors to consider when buying a motorbike.

The next question of course would be about your motorbike insurance. You’ll have to pick an insurer, check the cover types, and confirm your eligibility – that’s a lot to think about – but it’s definitely crucial to get your bike insured. So, if you don’t know where to begin, here’s a guide of the popular types of motorcycles available in Singapore that are covered by DirectAsia’s motorcycle insurance, no matter the make, model, or if it’s a class 2B, 2A or 2 bike. 

Cruiser

If you can picture a Harley-Davidson, you know what a cruiser is – long and low with a V-twin engine (i.e. it’s got two cylinders arranged in a V). Though they may be faster than almost any sports car, cruisers are not about outright performance. Instead, they’re designed to look cool while chugging lazily along. Most are Harleys, but plenty of other manufacturers have at least one in their range.  

Some options in Singapore: Harley Davidson Road King Special, Harley Davidson Forty-Eight, Honda VT1100 Shadow, Suzuki VZR1800 Boulevard Intruder, Keeway Cruiser 250

Other things to consider: The low seat on a cruiser means you’ll have to raise your hands to the handlebar, which could get tiring during long rides.

Scooter

Scooters haven’t changed much since the very first Vespa. If it’s got small wheels, a floorboard for your feet and an automatic gearbox, it’s a scooter. They’re a great mode of city transportation, with loads of storage under the saddle and no gears or clutch to worry about – you just twist and go. Several manufacturers sell bigger versions – maxi scooters – that can hit far higher speeds and handle motorway travel.

Some options in Singapore: Vespa GTS 150, Lambretta V200 Special, Yamaha Xmax 300, Honda CBF150, Piaggio X10 350, SYM GTS 200

Other things to consider: The scooter’s small wheels are made for incredibly quick steering. But this could also make the scooter very unstable at higher speeds. Plus, small wheels transmit bumps and jolts to the rider much more severely than larger ones.

Street Bike

Street motorcycles are motorcycles designed for being ridden on paved roads. They are made with metal to be sturdy and stable. Street bikes also have more rounded and smooth shaped tires, to ensure there is more grip with the road. The seats on street bikes are positioned further back to enable for a longer ride and a relaxing posture so you can relax at traffic lights.

Some options in Singapore: Yamaha MT-15 Xabre, KTM 1290 Super Duke R, Ducati Monster 821, Honda CB400 Super 4 Spec 2, BMW K1200R

Other things to consider: Street motorbikes have more traction from their tires, so, when taken off-road, the brakes will quickly lock up the tires since it is on a low traction-surface. In other words, this bike is not ideal for cruising on dirt roads or off the beaten path. 

Sports Bike

The sports genre of motorcycles is clearly meant for speed and agility with a more forward-leaning design to cleanly swerve along corners while riding. So they’re the perfect ride for smooth straight suburban roads or curvy racetrack ones. One of the largest differences with a sports type motorcycle, compared to other motorcycles, is its weight. They are generally one of the lighter motorcycles made from a lot of aluminum and lighter materials to increase the side-to-side maneuverability. The seat height is usually higher than other bikes to be able to lean the motorcycle farther down without scraping the foot pegs. 

Some options in Singapore: Honda CBR150R, Hyosung GT125R, Kawasaki EX300 Ninja, KTM RC390, BMW HP4 Race, Ducati 959 Panigale, Honda CBR1000R Fireblade,

Other things to consider: Shorter riders may be on their tiptoes with the taller seat height. And the downside could be the riding position, which puts lots of weight on your wrists and cramps your legs – not great for long journeys.

Sports Tourer

Sports tourers are lighter and considerably more comfortable than sports bikes. They’re a compromise, but a good one. These adventure bikes are marginally less capable around corners, yet can give the impression that you might be heading off on a daring global adventure. It’s ideal for quick trips with friends or a longer road trip you may have been thinking about. It will hold quite a bit of extra gear and will allow you to put on a lot of miles over a long weekend. The engine size is also a little larger, for extra power to cruise the highways across the country.

Some options in Singapore: Kawasaki ZG1400GTR Concours, Yamaha FJR1300, Honda CBF600, KTM 1290 Super Adventure, Ducati Multistrada 1200

Other things to consider: Although they have larger fuel tanks, sports touring motorcycles suffer from poor fuel efficiency. Touring motorcycles typically weigh more than street-style bikes. And this added weight requires greater fuel to keep it running. Another issue that you may face with a sports touring motorcycle is poor maneuverability. Unlike street or cruiser motorcycles, these bikes are designed more for riding on long, open roads, and not so much for maneuvering through the rush hour traffic.

Conclusion: Keep calm and twist that throttle

No matter what type of motorcycle rider you are (regardless if you’re a 2B, 2A or 2 motorcycle rider), or what type of motorbike you’re looking for, it’s important to check on the comfort design of the bike, seat height, traction of the tires, fuel economy, luggage options, overall style and most importantly the noise and air pollution that it may cause. 
The other crucial thing to consider are the main factors in buying the right motorbike insurance. Ask yourself; what are you planning to use your new motorbike for? Do you plan to ride it out of Singapore – be it to Malaysia or Thailand? This should help you decide what coverage and extra options you may need. Once you’ve made up your mind, you can get a quick motorcycle insurance quote from DirectAsia, or call 6665 5555 for assistance.

The post Direct Asia Motorcycle Insurance | Which Types of Motorbikes are Covered? appeared first on Car, Motorcycle & Travel Insurance Blog | DirectAsia Insurance Singapore.

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Riding your motorcycle in the rain seems fun but it’s probably not ideal to reach your destination all wet and soaked. The thing is, Singapore experiences rainfall every other day, due to its geographical location and maritime exposure, so there’s no escaping it. Therefore, it’s best to be prepared at all times and invest in the right rain gear, when dealing with wet and unfriendly weather during rides.

However, it’s important to note that not all rain gear is created equal, as there are numerous options on the market. The option you pick will determine the level of comfort, safety and protection you will get. To help you determine what gear is important and what you should look out for, we have compiled a list of the best motorcycle rain gear that you should have on hand every time you ride your motorbike. Read on for our top suggestions.

Benefits of Motorcycle Rain Gear

Before we run through the list of must-haves, here is why it’s vital to consider having the right motorcycle wet gear on hand, whenever you ride your bike:

Comfort

You should always think of your comfort when riding your motorbike. Imagine dressing up and heading out on your bike when it suddenly begins to rain as you get onto the highway. You may not have the chance to stop under a sheltered area immediately. The proper motorcycle wet gear should protect you even during a heavy downpour without getting you all wet, cold and uncomfortable.

Safety & Health

The right motorcycle rain gear will help you manage the wet surroundings better, such as the road and other vehicles on it, to avoid the risk of an accident. Wearing the right motorbike rain gear will also protect you from getting soaked to the bone and risking your health.

Visibility

During heavy rains and cloudy weather conditions, it can be difficult to see other motorists on the road. However, with the right kind of motorbike rain suit on, you will be easily seen by approaching motorists, which will also help prevent potential accidents.

Best Motorcycle Wet Gear You Should Have 

Rain Suit

1. Rain Suit

This is at the top of the list because a good rain suit should fully protect you from getting wet. Since you’d be wearing this over your existing riding gear, you’ll want to pick one that is made from 100% waterproof polyurethane poly-nylon fabric, which won’t easily stick to what you’re already wearing. Ensure it is completely waterproof, preferably with heat-sealed seams. A good waterproof motorcycle rain suit should have hook and loop fasteners to help seal the wrists and ankle openings as well as the collar, so that it’s secure, especially when riding along wet roads in the rain.

Don’t be fooled into thinking weatherproof gear will keep you dry. Waterproof and weatherproof are not the same; weatherproof gear will only protect you from light rain for a short period of time, but  a truly waterproof motorcycle rain suit should have a moisture IP rating of 6 and above to protect you when you’re riding during a heavy downpour.

A good rain suit should also have a poly-mesh lining to improve air circulation for your comfort. Besides that, an added protection would be reflective linings so that you’re easily spotted by other road users, especially on dark, rainy nights.

Another thing to consider is how easy it is to get into your rain suit. The last thing you want is to be caught out in the rain, scrambling to put it on. Typically rain suits have a main twin slider zip that runs from thigh to chest for easy donning.

Waterproof Riding Gloves

2. Waterproof Riding Gloves

Having a pair of waterproof gloves is always a good idea in the wet Singapore climate. Pick one that is not too thick but versatile enough to ensure you still have a good grip on your motorcycle’s handlebars. Waterproof gloves should come with thermal padding and can get a little warm in normal humid weather, so, you probably want to carry this as a spare to use only if it starts to rain. Ensure your waterproof riding gloves are adjustable with a wrist strap and secure when you put it on.

Visor Insert

3. Visor Insert

The problem with rainy weather in a humid climate like Singapore is, it makes the inside of your motorcycle helmet visor fog up easily. Adjusting your visor with a proper wet weather visor insert, prevents the inside of your visor from fogging up in wet or slightly cold weather and is definitely worth the investment! You will, however, need a helmet with a visor that has a pin for the insert to lock into. Once you lock it in, it should work its magic even in the most extreme wet weather riding situations.

Motorcycle Boots

4. Motorcycle Boots

This may not be your style, but wearing waterproof motorcycle boots is the perfect protection for your daily commute, whether it rains or not. Look for a pair that’s breathable and keeps its shape well so you can wear it for many years to come. The buckle should snugly fit around your ankles without being too tight and the soles should be thick enough to firmly plant your foot down on damp roads, when you stop at traffic lights, without sacrificing your comfort. Otherwise, opt for rainproof boot covers if you rather wear your favourite pair of vented hot-weather boots, when riding.

Stay Dry with The Right Motorcycle Wet Gear

It’s no secret that the best way to stay dry if you’re caught riding in the rain, is with the best motorcycle wet gear. Such gear has been specifically designed to withstand the weather and the rigors of riding in the rain. Keep these items handy in your motorcycle gear compartment or in a carry-on bag and bring it along with you every time you ride.

We also recommend that you try to stop at a safe place to put on your rain gear – if it suddenly starts to pour while you’re riding – or ensure that you signal the other road users if you’re forced to stop by the shoulder of the highway. Comfort is key but safety is equally important. 
But, no matter how prepared you can be with the right motorcycle gear on, accidents can still happen due to poor weather conditions and wet roads. So it’s crucial to invest in good motorcycle insurance in the case of an unavoidable accident when it rains. DirectAsia provides three motorcycle insurance cover types to choose from, including a Comprehensive plan that covers your motorcycle if it gets damaged in a flood due to heavy rains. You can also add on Optional Benefits that includes 24-hour breakdown assistance in case your motorcycle gets impaired in the rain.

The post Riding a Motorcycle in Singapore | Best Gear for Wet Weather appeared first on Car, Motorcycle & Travel Insurance Blog | DirectAsia Insurance Singapore.

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Did you know that a connected vehicle technology system like a car or motorcycle On-Board Unit (OBU) has the potential to increase traffic safety, reduce traffic pollution, and ease traffic congestion? With OBU, the interaction of information among motorists, roads, and the environment is enhanced, which can significantly change your driving behaviour. 

If you think the OBU is merely a device to store a credit card, or a cash card with monetary value inside it, think again. To increase safety and encourage safer driving behavior, the Land Transport Authority (LTA) of Singapore has developed the next-generation OBU that can help you drive more intelligently.

In this article, we’ll explore the new OBU system together; finding out what it’s really capable of, how it works and ultimately how it can help you drive better. 

What is an On-Board Unit (OBU)?

If you drive a vehicle in Singapore, chances are you already have an In-Vehicle Unit (IU) installed in it. It’s the device seated on the right hand side of your dashboard, or fitted onto the front of your motorbike, that beeps when you enter an Electronic Parking System (EPS) carpark or cross the Electronic Road Pricing (ERP) gantry. The OBU is a newer device that will be replacing the IU.

Yes, the IU is a device primarily used to store your cash card. When you travel on roads with ERP gantries, you’ll often hear it beep when you cross the gantry, indicating that money has been deducted electronically via the device. 

There are two types of in-vehicle units:

1. The Old IU

Although there was no official name given for this IU, as it was the first IU deployed in Singapore, nowadays, it’s commonly referred to as the “old” IU. And it is currently still in use by some vehicles. This IU only accepts NETS CashCard to make payments. 

2. The New IU / Dual Mode IU

Introduced in 2009, the dual-mode IU is currently the one being used by most drivers on Singapore roads. It’s relatively smaller than the old IU, but its size ultimately depends on what kind of vehicle you drive, as there are different IU’s for each of the six vehicle classes. The new IU accepts NETS CashCard, NETS FlashPay, Credit Cards and CEPAS-compliant cards (EZ-Link, NETS, Transitlink).

CEPAS stands for Contactless e-Purse Application. It essentially makes your EZ-Link cards work like an e-wallet. The new IU shows both your cash card balance as well as the amount deducted, however the old IU only shows your cash card balance. You’ll have to ensure that your cash card has sufficient funds reloaded before inserting it into the IU, so that it can be automatically detected by the scanners to deduct the set amount when needed. If it’s low in value, you will hear your IU beeping intermittently as a reminder to top up.

Source: The Straits Times

What are the changes in the new OBU?

The new OBU – which comprises an antenna, a touchscreen display (mounted near the windscreen) and a processing unit (installed under the dashboard) for cars, or a single-piece unit for motorcycles – enables additional services to motorists to ease driving, as LTA will be able to disseminate traffic advisories through the unit. It also allows you to pay for parking, checkpoint tolls, and usage of off-peak cars electronically. The OBU has a designated slot for CEPAS, and you can opt for Giro or billing via credit or debit card.

With this new OBU, pricing will be charged according to the distance travelled on congested roads, instead of physical per-entry gantries. It’ll also potentially allow off-peak car owners to pay only for using their vehicles for short periods, rather than the whole day. These functions will use the global navigation satellite system with the new ERP system that will be activated in the middle of 2023 to replace the older system currently in place.

When will this new OBU system take effect?

The installation of the new OBU will commence in the second half of 2021 with an estimated 18-month switchover period. Good news is, the Singapore government has committed to bear the one-time replacement costs – from IU to OBU – for all Singapore-registered vehicles. You can read more about the OBU switchover guidelines on LTA’s official website.

Why is it necessary to change to the OBU system?

Land congestion is a prevailing problem in Singapore. The quota placed on Certificate of Entitlements (COEs) is insufficient as a deterrent to curb the increasing number of cars and motorcycles on roads, so, to prevent excessive road usage, the LTA has taken this as a measure to reduce congestion.

On top of that, the LTA has deemed that it is infeasible to continue the near-obsolete system due to hefty maintenance costs, assuring road users that the new OBU system will be easier to maintain. 

How can the new OBU help you drive intelligently?

Ultimately, the OBU can improve road traffic safety and enhance mobility through the exchange of real-time traffic information to road users, which includes; traffic conditions, parking information, estimated travel time as well as the ability to alert motorists of accidents and road works. Basically, it’s an all-in-one traffic information device that can help you plan and make more intelligent decisions as you drive.

Factors depending on on-going variables like, slippery roads due to heavy rain or slow traffic flow and road infrastructure (e.g., speed change due to road works), will allow you to make smarter choices on-the-go. Perhaps you may choose to avoid that right turn, slow down or avoid braking harshly if there’s an accident up ahead. The ultimate goal is to enable an intelligent driving behavior adjustment based on relevant road information.

Being able to sense and receive communication about road hazards around you, will also fundamentally reduce delay during traffic jams, contribute to greener transportation choices and possibly reduce vehicle emissions.

Paving the way for intelligent driving

It’s evident that the OBU is a helpful device to aid you in making knowledgeable decisions while driving or riding on Singapore roads. More precisely, it aims to provide you with feedback generated by intelligent software to enable you to modify your driving behaviour towards safer commutes. Adopting this new technology makes you a forerunner in paving the way for intelligent driving and preserving an overall better environment for future generations.
To add on to your safety, don’t forget to equip yourself with the best car or motorcycle insurance in Singapore. Direct Asia offers three main cover types for car insurance as well as motorbike insurance to give you total peace of mind when navigating through Singapore roads. Get a quick quote online or call us at 6665 5555 for more information. Let’s safely move forwards and onwards together!

The post Singapore Road Safety | Using Technology for Smart Driving appeared first on Car, Motorcycle & Travel Insurance Blog | DirectAsia Insurance Singapore.

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Do you own a car and a motorcycle? If yes, this question may have crossed your mind: Can my car insurance cover my motorcycle? It may seem plausible that there is a way to extend your car insurance policy to cover your motorcycle. After all, your car insurance covers someone else driving your car (if included in your policy), so why can’t it cover your motorcycle usage? 

Well, we don’t have to tell you how riding a motorcycle is different from driving a car, so insurance for both vehicles is very different too. Just because you have car insurance, don’t assume that it will cover you if you get into an accident when riding your motorcycle.

Below, we’ve highlighted why you need motorcycle insurance. And we get it — in the same way you want affordable car insurance, you probably also want to be assured that you get the right coverage for your motorcycle. So we’ll explore that too.

Does my car insurance cover my motorcycle?

The short answer is No. Your car insurance will not cover your motorcycle.

Here’s the deal: you need a separate policy for your motorcycle, one that lists it and any riders who might use it. This is of paramount importance, because according to Singapore road law, you cannot ride a motorbike without it. 

Simply put, if you cause an accident and you don’t have the proper coverage, you could be solely responsible for all damages. Speaking of coverage, let’s take a closer look at what you’ll want included in your motorcycle insurance policy.

Types of Motorcycle Insurance

What does motorcycle insurance cover? Since we know your car insurance won’t cover your motorcycle, it’s important to take a closer look at what options you have. It’s also important to note that statistics show that, in an accident between a car and motorcycle, the motorcycle rider is almost sure to take the brunt of the damage. 

In addition to purchasing a policy that includes liability, you’ll also want to consider one that includes coverage for medical expenses, repairs to your bike, and a No Claim Discount (NCD) on your policy (depending on your past claims history). However, do take note that NCD does not apply to new riders.

So, having established that you need a separate motorcycle insurance policy, here are some motorcycle insurance cover types to consider:

Third Party Only Coverage 

When it comes to what your motorcycle insurance covers, liability should be top of the list. In the same way that liability is an important consideration for cars, it’s also true for motorcycles.

Third Party Only (TPO) insurance comes in two forms: bodily injury and coverage for someone else’s damaged property. These coverages kick in to cover costs should you cause other road users to suffer injuries in an accident or if the other vehicle involved has physical damage. 

Your liability limits with motorcycle insurance may be a bit lower compared to your car insurance, as motorcycles do not often cause severe damage that cars can, but what if you hit a pedestrian or a cyclist? In this case, you’ll need minimum liability coverage in amounts similar to that of your car insurance in order to cover any injury or damages caused to the other party. 

If that’s the case, do you really need coverage beyond liability insurance? Although you may pay less monthly, it may not be your best option in the long run.

Third-party Fire & Theft Coverage 

If you’d like to extend your coverage beyond the basic coverage to include losses due to fire and theft, then the third party fire and theft (TPFT) coverage will be a better option for you. Besides covering third party liabilities, this cover type ensures that you’ll be covered if your motorcycle gets damaged by fire or gets stolen in Singapore.  

On top of that, if you choose the optional benefit —  ‘new for old’  — DirectAsia offers to replace your stolen vehicle with a brand new one of the same or similar make and model. Take note that this only applies if you lose your motorbike in Singapore or if it’s beyond repair within the insurable period of your TPFT coverage. 

Comprehensive Coverage 

A comprehensive insurance coverage is when you combine liability, fire and theft, as well as protection from crashes that you cause, or accidents due to unexpected events all in one policy.

This includes losses when your bike gets stolen, damaged by water, consumed in a fire, or if your motorcycle crashes into something besides a vehicle. It also covers damages caused by floods and other natural disasters.

Personal Accident Coverage 

Unfortunately, it is an all-too-real fact that many motorcycle riders have a higher risk of fatality and personal injury in an accident. Unless you have health insurance to pay all of your medical bills—and it may not—you’ll need added personal accident coverage to be sure you get the treatment you need after a motorcycle accident. At DirectAsia, you can add on this optional benefit as part of your coverage.

Roadside Assistance and Optional Benefits on Your Motorcycle Insurance 

Depending on which motorcycle insurance coverage you choose, you can opt for 24-hour breakdown assistance, towing and roadside service, any rider coverage, and replacement of personal property, which can be added to your motorcycle policy.

Another thing to consider is discounts that are offered for motorcycle insurance policies. Here’s how you can lower the cost of your motorcycle insurance policy.

How to Save on Motorcycle Insurance

Good news is, savings on your monthly insurance policy rates aren’t exclusive to conventional cars. DirectAsia also offers discounts and promotions on motorcycle insurance coverage.

Before we dig into ways to save on your motorcycle insurance, let’s look at some factors that can impact your premium.

Factors Impacting the Cost of Motorcycle Insurance:

• General demographic information, such as where you live and how old you are
• Your driving record, which includes past accidents
• Type of motorcycle you ride, which includes make, model and year of registration
• What you use your motorcycle for

It’s important to note that these factors will not only result in different rates but the extent of coverage as well, so it’s best to be truthful in answering all these questions.

Tips for Lowering Motorcycle Insurance Costs

Here are some key money-saving factors you may want to look into:

• NCD. If you have not claimed insurance for your motorcycle for a minimum of 1 year, you are entitled to a NCD discount. DirectAsia offers customers the opportunity to protect their NCD status through the purchase of NCD Protector Plus for a nominal fee. This way, even if you have one at fault claim – the NCD Protector Plus will allow your NCD to advance to the next level (up to a maximum of NCD30) the following year. Bear in mind that most insurers will only allow you to maintain your NCD status if you do not have any at-fault claims.

• Bundle Policies. Can you combine your car and motorcycle insurance into one policy? No, but if you have two bikes – there is an added discount available to you. This is a good way to save money, and the coverage is applicable to each vehicle.

• Organizations. If you’re part of a motorcycle club, it’s possible your insurance company may offer a special rate or a promo rate on your motorcycle insurance policy. We advise you to speak to an agent  to check if this is applicable to you.

And of course, you’ll also want to check if there are any other special promotions offered at the time of signing up. You can check the current promotions offered by DirectAsia on our official website to see where you can take advantage of more savings.

Seek the Right Coverage

We’ve answered the question of whether your car insurance will cover your motorcycle — it won’t. So now, it’s up to you to ensure you have the proper coverage for your motorcycle. Regardless of distance traveled or time of use, you must have at least liability insurance to be allowed to ride on Singapore roads.
You can get a direct quote for your motorcycle insurance on our official website by answering a few important questions like make, model, year of registration and the primary usage of the bike or call us at 6665 5555 if you have other questions.

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Getting your vehicle insured is certainly a must, especially if you own one in Singapore. The right car or motorcycle insurance can help protect you, your family members, your passengers and other drivers. If an accident happens, you want to know you have the right coverage to take care of any property or bodily injury costs that may arise. On top of that, car and motorcycle insurance is an important protection not just for your vehicle, but for your financial liability as well. If you get into an accident without insurance, you could potentially be stuck paying for thousands of dollars in damages and injuries.

However, you may be thinking of the worst that could happen – what if my insurance company shuts its doors for good? What happens to all the money I invested towards my car or motorcycle insurance coverage? This is a legitimate concern, especially in light of Covid-19 and the economy being so volatile, but don’t worry! We’re glad to inform you that you get double the protection with your insurance coverage under the Policy Owners’ Protection (PPF) Scheme. 

What is the Policy Owners’ Protection Scheme (PPF)?

The Policy Owners’ Protection (PPF) Scheme was set up by an act of parliament to protect insurance policyholders – such as car or motorcycle insurance – in the event  the insurance company fails, as in the case of bankruptcy.

The PPF Scheme in Singapore is administered by the Singapore Deposit Insurance Corporation (SDIC). In turn, The SDIC board is accountable to the Monetary Authority of Singapore (MAS).

Do all insurers automatically fall under the PPF Scheme?

Only insurers registered by MAS are members of the Policy Owners’ Protection (PPF) Scheme. You should note that DirectAsia is a member of the scheme and comes under the list of Direct General Business within SDIC’s official website.

Is my DirectAsia insurance policy protected under the scheme?

Yes, your car and motorcycle insurance policies, as well as travel insurance policies with DirectAsia are all protected under the PPF scheme.

What do I need to do to be covered under the PPF Scheme? Do I need to pay more?

Coverage under the PPF scheme is automatic when you hold a car, motorcycle or even travel insurance with DirectAsia. There is no need to fill out any application form or pay an added premium. Levies are paid by the insurer. Just remember to keep your insurance policy and personal details such as name, ID number, mobile number and address updated at all times.

How will I be compensated by the Policy Owners’ Protection Scheme?

If your insurance company collapses and the Monetary Authority of Singapore (MAS) decides to activate the scheme’s funds, compensation will be made to the main policy owner, of the unutilized amount covered by the policy, up to 30 days after the company officially folds. 

Your insurance policy contract should clearly state your entitlement for a refund of the premium. In this case, the SDIC would refund policy owners the prorated premiums paid for the unutilized period of the insurance coverage. 

What is my entitlement under this scheme if my insurance company fails?

In the event your car or motorcycle insurer fails, your entitlement to compensation under this scheme is as follows:

• Under the Motor Vehicles (Third Party Risks and Compensation) Act, the full amount of any liability of the failed insurer, under the relevant legislation of the policy, is payable.
• For travel insurance, the full amount of liability of the failed insurer, under the terms of the general insured policy, is payable.

Caps or limits are applicable to compensation paid out for general insured policies – such as car and motorcycle insurance – in the following instances:

• $50,000 for own property damage of motor claims, under personal motor insurance policies. But rest assured, the limits are expected to fully cover more than 99 percent of claims, based on past years performance.

How can I be sure that the compensation is activated under the scheme?

You could ask your insurer directly or check your insurance policy contract. It is clearly stated within your DirectAsia car, motorcycle or travel insurance contract.

How am I paid compensation?

Arrangements will be made by the SDIC to pay out any compensation owing to policy owners by way of cheque, cash orders or other electronic payment methods.

Key Takeaway

So, if your main worry is what will happen if your insurance company fails, now you can be assured that you not only have coverage for your car, motorcycle and when you travel, but also protection for all your insurance policies itself. 

We also assure you that DirectAsia has been going strong since 2014 with over 100 years of experience in the industry. Wholly owned by global insurer Hiscox – world’s leading international specialist insurance groups listed on the London Stock Exchange – we aim to provide you with the best options and total peace of mind. 

So don’t worry about this happening to us, as we intend to forge ahead despite the Covid-19 pandemic, to keep you and your family safe and secure. As a member of the PPF scheme, DirectAsia provides you all the protection you need with absolute security. If you have other questions regarding the Policy Owners’ Protection (PPF) Scheme or would like to switch your insurance to DirectAsia, you can drop us a message or call us at 6665 5555.

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There’s nothing quite like being able to feel the wind in your hair on top of a motorcycle. Maybe you just got your motorbike license and you’re looking to buy your first bike? Or you want to get a two-wheeler for commuting to work, or perhaps you’re gearing up for an amazing motorcycle road trip soon – either way, finding the right bike can be a challenging task. 

You’ve probably been to a few dealerships to check out the latest models or scoured the internet looking for what’s available in Singapore. The amount of motorcycles available in the market is staggering, and even if you have a basic idea of what look you want, there are various types that are suited for different uses. To begin, you should know what are the important factors to consider when buying a motorbike.

The next question of course would be about your motorbike insurance. You’ll have to pick an insurer, check the cover types, and confirm your eligibility – that’s a lot to think about – but it’s definitely crucial to get your bike insured. So, if you don’t know where to begin, here’s a guide of the popular types of motorcycles available in Singapore that are covered by DirectAsia’s motorcycle insurance, no matter the make, model, or if it’s a class 2B, 2A or 2 bike. 

Cruiser

If you can picture a Harley-Davidson, you know what a cruiser is – long and low with a V-twin engine (i.e. it’s got two cylinders arranged in a V). Though they may be faster than almost any sports car, cruisers are not about outright performance. Instead, they’re designed to look cool while chugging lazily along. Most are Harleys, but plenty of other manufacturers have at least one in their range.  

Some options in Singapore: Harley Davidson Road King Special, Harley Davidson Forty-Eight, Honda VT1100 Shadow, Suzuki VZR1800 Boulevard Intruder, Keeway Cruiser 250

Other things to consider: The low seat on a cruiser means you’ll have to raise your hands to the handlebar, which could get tiring during long rides.

Scooter

Scooters haven’t changed much since the very first Vespa. If it’s got small wheels, a floorboard for your feet and an automatic gearbox, it’s a scooter. They’re a great mode of city transportation, with loads of storage under the saddle and no gears or clutch to worry about – you just twist and go. Several manufacturers sell bigger versions – maxi scooters – that can hit far higher speeds and handle motorway travel.

Some options in Singapore: Vespa GTS 150, Lambretta V200 Special, Yamaha Xmax 300, Honda CBF150, Piaggio X10 350, SYM GTS 200

Other things to consider: The scooter’s small wheels are made for incredibly quick steering. But this could also make the scooter very unstable at higher speeds. Plus, small wheels transmit bumps and jolts to the rider much more severely than larger ones.

Street Bike

Street motorcycles are motorcycles designed for being ridden on paved roads. They are made with metal to be sturdy and stable. Street bikes also have more rounded and smooth shaped tires, to ensure there is more grip with the road. The seats on street bikes are positioned further back to enable for a longer ride and a relaxing posture so you can relax at traffic lights.

Some options in Singapore: Yamaha MT-15 Xabre, KTM 1290 Super Duke R, Ducati Monster 821, Honda CB400 Super 4 Spec 2, BMW K1200R

Other things to consider: Street motorbikes have more traction from their tires, so, when taken off-road, the brakes will quickly lock up the tires since it is on a low traction-surface. In other words, this bike is not ideal for cruising on dirt roads or off the beaten path. 

Sports Bike

The sports genre of motorcycles is clearly meant for speed and agility with a more forward-leaning design to cleanly swerve along corners while riding. So they’re the perfect ride for smooth straight suburban roads or curvy racetrack ones. One of the largest differences with a sports type motorcycle, compared to other motorcycles, is its weight. They are generally one of the lighter motorcycles made from a lot of aluminum and lighter materials to increase the side-to-side maneuverability. The seat height is usually higher than other bikes to be able to lean the motorcycle farther down without scraping the foot pegs. 

Some options in Singapore: Honda CBR150R, Hyosung GT125R, Kawasaki EX300 Ninja, KTM RC390, BMW HP4 Race, Ducati 959 Panigale, Honda CBR1000R Fireblade,

Other things to consider: Shorter riders may be on their tiptoes with the taller seat height. And the downside could be the riding position, which puts lots of weight on your wrists and cramps your legs – not great for long journeys.

Sports Tourer

Sports tourers are lighter and considerably more comfortable than sports bikes. They’re a compromise, but a good one. These adventure bikes are marginally less capable around corners, yet can give the impression that you might be heading off on a daring global adventure. It’s ideal for quick trips with friends or a longer road trip you may have been thinking about. It will hold quite a bit of extra gear and will allow you to put on a lot of miles over a long weekend. The engine size is also a little larger, for extra power to cruise the highways across the country.

Some options in Singapore: Kawasaki ZG1400GTR Concours, Yamaha FJR1300, Honda CBF600, KTM 1290 Super Adventure, Ducati Multistrada 1200

Other things to consider: Although they have larger fuel tanks, sports touring motorcycles suffer from poor fuel efficiency. Touring motorcycles typically weigh more than street-style bikes. And this added weight requires greater fuel to keep it running. Another issue that you may face with a sports touring motorcycle is poor maneuverability. Unlike street or cruiser motorcycles, these bikes are designed more for riding on long, open roads, and not so much for maneuvering through the rush hour traffic.

Conclusion: Keep calm and twist that throttle

No matter what type of motorcycle rider you are (regardless if you’re a 2B, 2A or 2 motorcycle rider), or what type of motorbike you’re looking for, it’s important to check on the comfort design of the bike, seat height, traction of the tires, fuel economy, luggage options, overall style and most importantly the noise and air pollution that it may cause. 
The other crucial thing to consider are the main factors in buying the right motorbike insurance. Ask yourself; what are you planning to use your new motorbike for? Do you plan to ride it out of Singapore – be it to Malaysia or Thailand? This should help you decide what coverage and extra options you may need. Once you’ve made up your mind, you can get a quick motorcycle insurance quote from DirectAsia, or call 6665 5555 for assistance.

The post Direct Asia Motorcycle Insurance | Which types of motorbikes are covered? appeared first on Car, Motorcycle & Travel Insurance Blog | DirectAsia Insurance Singapore.

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We released an ultimate guide to motorcycle insurance in Singapore few months back – you may want to check that out. The guide explains the types of motorcycle insurance, explains motorcycle insurance excess, some quick tips on how to find the right insurance, factors that affect the insurance premium, insurance renewal and so on.

In this article, we will talk about how insurance providers calculate your insurance premium for your two-wheeler. Read on.

There are three main cover types for motorcycle insurance – Third Party Only (TPO), Third Party, Fire and Theft (TPFT), and the Comprehensive plan.

Basically, your motorbike insurance premium depends on the choice of insurance cover type of the rider, along with other criteria that we have listed below.

There is no clear-cut formula but most insurance companies have an online calculator you can use to calculate your insurance premium. It’s important to note, that different insurance companies consider different factors.

Let’s look at some of the factors that would affect the insurance premium of your motorbike.

5 Factors Insurance Companies Consider When Calculating Your Motorcycle Insurance Premium

Age

Your age is one of the principal factors insurance companies take into consideration to determine what your motorcycle insurance premium will be.

Riders in their 20s typically have to pay 75% higher than their older counterparts because accident statistics have shown that the ratio of younger riders (20 – 29 years old) involved in road accidents is much higher than riders in their 30s and 40s. Because of this, insurance companies increase their motorcycle insurance premiums to cushion the risks that are involved in insuring younger high-risk riders.

Riding Record

Insurance companies will check your past record as a rider to determine your motorcycle insurance premium. Have there been issues with speeding tickets or have you been in an accident before? If so, your motorbike insurance premium will likely be higher.

On the other hand, if you have a good NCD rating, it will be factored in when the insurer determines the amount of your motorcycle insurance premium.

The Type of Motorcycle

This goes without saying (but we will say it anyway); How expensive your motorcycle is will also likely determine how high your premiums will cost. 

Because high-spec motorcycles can cost the insurance company a lot more to repair or replace as compared to cheaper motorcycles on the market. The make and model of the motorcycle will therefore, impact your premium.

Remember the age factor we spoke about earlier? – How younger riders are likely to pay more; Taking that into consideration, we expect a rider that is 37 years old to pay less if he is using the same motorcycle as a 26-year-old.

But if the 37-year-old gets a more expensive motorcycle, say an exotic two-wheeler or a sports bike, he will likely pay a considerably higher amount for a comprehensive insurance cover. So, do keep this in mind when you decide to get your next bike.

Usage of the Bike

Is this a personal or commercial motorcycle? The bike’s usage information is considered before the insurer decides the amount of premium you should pay.

Commercial motorcycle premiums will be a lot higher because of the frequency of use. In fact, some insurers in Singapore do not even provide cover for two-wheelers that are used for commercial purposes.

Insurance companies also calculate how often a privately owned motorcycle is used. If you use your motorbike daily, the premium will be higher compared to a rider that may not take the bike out for a ride every day.

Motorbike Insurance Excess

You can lower your motorbike premium if you choose to shoulder some risks. We call this an excess fee.

This is the amount you will pay upfront, before the insurance company pays for a claim. Say, if you pay an excess of $1000, and the damage on your motorcycle costs $7000. The insurance company will bear the balance $6000 in repair costs.

The higher the excess you’re willing to pay, the lower your motorcycle premium will be.

How to Use an Online Motorcycle Insurance Premium Calculator?

All the factors mentioned above are taken into consideration when determining your motorbike insurance premium. But how can you actually calculate what your premium will be?

Direct Asia has an online calculator that can help you calculate how much your motorcycle insurance premium would be, based on the information you give.

Fill in the correct information about the make and model of your motorcycle, your no claim discount rating and other information required to get an accurate quote.

Final Thoughts

Taking all things into consideration, it is certainly advisable to get premium insurance under the Comprehensive plan or at least, the TPFT insurance cover. That way, you can be sure that you and your motorbike are well protected, if you ever meet with an accident while riding.  Also, bear in mind that getting an exotic motorcycle or superbike may not be the best option for you because of the premium it requires. You may want to pick a more affordable motorbike with a lower premium and maintenance fee, especially if you are a new rider.

The post Guide on How Motorcycle Insurance is Calculated | Factors to Consider appeared first on Car, Motorcycle & Travel Insurance Blog | DirectAsia Insurance Singapore.

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