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December 2018
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The hazards of driving are apparent enough as car accidents is one of the leading causes of death and disability around the world today. And if driving regular cars is dangerous enough, imagine the exponentially worst risks in driving motorcycles. And it follows too: if car insurance is a necessity in driving cars, motorcycle insurance is a more critical a necessity for bikers.
Motorcycle Insurance as Vehicle Insurance In Singapore, the basic nature of car and motorcycle are similar and follows the fundamental logic of any insurance premium and coverage. In fact, they are both considered vehicle insurance in Singapore as perhaps elsewhere in the world. As vehicle insurance both car and motorbike insurance in Singapore protects the bearer not against accidents but against the cost and liabilities that come from getting into an accident. Both car and motorcycle insurance in Singapore has two general types. A comprehensive car and motorcycle insurance is the more extensive type covering nearly all possible costs that can be result form physical damage to both car and passengers in the event of any accident. The coverage include repair and replacement of car unit, medical and health care costs of the passengers, death and disability benefits. In some cases, vehicle insurance for cars and motorcycles in Singapore. And there are even more comprehensive car and motorcycle insurance in Singapore that also covers costs of damage due to vandalism, fire, wind and other non-accident causes like theft including costs of damage due to natural events such as storm, cyclones, flood and other natural disasters, which is usually referred to as “acts of god coverage”. The other type is accident insurance for cars and motorbike is an accident insurance which is less extensive and covers only health care or treatments costs for injuries of occupants of the vehicle involved in an accident or limited death and disability benefits. In some cases, car and motorcycle insurance coverage in Singapore may cover legal costs against an erring driver and recently, uninsured motorist protection coverage which provide claims for injuries caused by uninsured, hit-and-run drivers or driver who has inadequate insurance, depending on the motorcycle quote. The Dangers Motorcycle and Details of Insurance Considering the more substantial dangers of riding a motorcycle compared to riding a car, the likelihood of getting into an accident is higher and so is the probability of serious injuries and death even in a minor mishap. As such, a comprehensive insurance is an obviously wiser choice for motorcycle users. Although getting a comprehensive insurance for car is often a dilemma due to its cost, this is not the case with Singapore motorcycle insurance since typical motorbike insurance costs less per month than the average car or other vehicle insurance. But even then, there are a few reminders in order to get the value-for-money motorcycle insurance in Singapore. But other than the cost, the details of a car and motorcycle insurance in Singapore are also similar. Like any vehicle insurance, motorcycle insurance in Singapore depends on a variety of factors like the type of bike you are driving which include model, brand, make and year. If using a vintage or classic bike, getting a comprehensive insurance may be more advisable due to the additional value of vintage bikes. However, when simply driving an old model, a basic third party coverage might be a more practical choice. When using a motorbike regularly or frequently, a biker can avail of high mileage promos that provide additional benefits as use mileage increases. But when using a motorbike sparingly, it is better to get motorcycle insurance with low-mileage provisions which are offered cheaper that regular insurance by many motorcycle insurance companies in Singapore.
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