{"id":23436,"date":"2022-02-16T13:14:20","date_gmt":"2022-02-16T05:14:20","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=23436"},"modified":"2025-11-05T18:28:16","modified_gmt":"2025-11-05T10:28:16","slug":"motorcycle-insurance-single-rider-vs-all-riders-coverage","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage","title":{"rendered":"Motorcycle Insurance: \u2018Single Rider\u2019 vs \u2018All Riders\u2019 Coverage"},"content":{"rendered":"\n<p>The Malaysian Institute of Road Safety Research (MIROS) revealed that 60% of deaths on the road in the span of 20 years involved motorcyclists. <\/p>\n\n\n\n<p>On average, 20% of 500,000 accidents involved motorcycle accidents annually.<\/p>\n\n\n\n<p>Motorcycle insurance&nbsp;is as essential to your protection on the road as the rest of your safety gear.&nbsp;In this article, we will explain more about motorcycle insurance.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d89cfa4777e\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d89cfa4777e\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\/#Why_do_you_need_motorcycle_insurance\" title=\"Why do you need motorcycle insurance?\">Why do you need motorcycle insurance?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\/#To_reduce_the_financial_burden\" title=\"To reduce the financial burden\">To reduce the financial burden<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\/#To_renew_road_tax\" title=\"To renew road tax\">To renew road tax<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\/#Who_is_eligible_to_ride_your_motorcycle\" title=\"Who is eligible to ride your motorcycle?\">Who is eligible to ride your motorcycle?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\/#%E2%80%98Single_Rider%E2%80%99_coverage\" title=\"\u2018Single Rider\u2019 coverage\">\u2018Single Rider\u2019 coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\/#%E2%80%98All_Riders%E2%80%99_coverage\" title=\"\u2018All Riders\u2019 coverage\">\u2018All Riders\u2019 coverage<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\/#How_much_should_you_insure_your_motorcycle\" title=\"How much should you insure your motorcycle?\">How much should you insure your motorcycle?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\/#No_Claim_Discount_NCD_for_motorcycle\" title=\"No Claim Discount (NCD) for motorcycle \">No Claim Discount (NCD) for motorcycle <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\/#Additional_coverages_for_motorcycle_insurance\" title=\"Additional coverages for motorcycle insurance\">Additional coverages for motorcycle insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\/#Get_adequate_motorcycle_insurance\" title=\"Get adequate motorcycle insurance\">Get adequate motorcycle insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2 id=\"why-do-you-need-motorcycle-insurance\"><span class=\"ez-toc-section\" id=\"Why_do_you_need_motorcycle_insurance\"><\/span>Why do you need motorcycle insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"to-reduce-financial-burden\"><span class=\"ez-toc-section\" id=\"To_reduce_the_financial_burden\"><\/span>To reduce the financial burden<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Motorcycle insurance provides similar coverage as <a href=\"https:\/\/bjak.my\/blog\/car-insurance-stolen-vehicle\/\">car insurance<\/a>. It protects you in the event of a third party&#8217;s death, bodily injury, and property damage. <\/p>\n\n\n\n<p>Your motorcycle insurance also covers loss or damage to your vehicle due to fire or theft, depending on your policy type. <\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/\">Motorcycle insurance<\/a> coverage will protect you financially should anything happen to your motorcycle. The insurer will cover the loss or damage subject to the policy coverage.<\/p>\n\n\n\n<h3 id=\"to-renew-road-tax\"><span class=\"ez-toc-section\" id=\"To_renew_road_tax\"><\/span>To renew road tax<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Other than that, motorcycle owners also require valid insurance to renew their road tax. You will not be able to activate your road tax without active insurance, thus, risking yourself with fines from the police.<\/p>\n\n\n\n<h2 id=\"who-is-eligible-to-ride-your-motorcycle\"><span class=\"ez-toc-section\" id=\"Who_is_eligible_to_ride_your_motorcycle\"><\/span>Who is eligible to ride your motorcycle?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Please note that you should only allow authorised riders to ride your motorcycle. Authorised riders are those covered by your insurance should anything happen, depending on your policy plan. <\/p>\n\n\n\n<p>There are two types of motorcycle insurance: &#8216;Single Rider&#8217; and &#8216;All Riders&#8217;.<\/p>\n\n\n\n<h3 id=\"single-rider-coverage\"><span class=\"ez-toc-section\" id=\"%E2%80%98Single_Rider%E2%80%99_coverage\"><\/span>\u2018Single Rider\u2019 coverage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This type of coverage only protects one rider named in the policy. Usually, it protects the motorcycle owner. The insurance will not cover any accidents while the motorcycle is used by someone other than the insured named rider.<\/p>\n\n\n\n<p>As a result, you cannot make an insurance claim. In addition, the insurance company will also not cover any third party&#8217;s claims.<\/p>\n\n\n\n<p>Therefore, if you purchase a &#8216;Single Rider&#8217; coverage, you are the only authorised rider of your motorcycle. If you allow another individual to ride it, you have to bear any loss or damage to your motorcycle should it run into an accident.<\/p>\n\n\n\n<h3 id=\"all-riders-coverage\"><span class=\"ez-toc-section\" id=\"%E2%80%98All_Riders%E2%80%99_coverage\"><\/span>\u2018All Riders\u2019 coverage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u201cAll Riders\u201d motorcycle policy allows the policyholder and any other persons authorised by the insured to ride the motorcycle.<\/p>\n\n\n\n<p>There is a 50% additional premium to the &#8216;All Riders&#8217; coverage, making it more expensive than the &#8216;Single Rider&#8217; coverage. <\/p>\n\n\n\n<p>\u2018All Riders\u2019 coverage is available for third party, third party, fire and theft, and <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/#Comprehensive_insurance\">comprehensive insurance<\/a>.<\/p>\n\n\n\n<h2 id=\"how-much-should-you-insure-your-motorcycle\"><span class=\"ez-toc-section\" id=\"How_much_should_you_insure_your_motorcycle\"><\/span>How much should you insure your motorcycle?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You should insure your motorcycle&nbsp;according to its current&nbsp;market value. <\/p>\n\n\n\n<p>The insurer could penalise you if your motorcycle is insured lower than the market value.<\/p>\n\n\n\n<p>Example:<\/p>\n\n\n\n<p>If the market value of your motorcycle is RM10,000, but you only insured it for RM8,000, then you could be penalised for under-insurance.<\/p>\n\n\n\n<p>Assuming that the assessed loss is RM4,000, instead of paying the full amount, you may have to bear a portion of the loss in proportion to the under-insurance as follows:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"24445\" data-permalink=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\/attachment\/photo1645495196\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196.jpeg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo1645495196\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196.jpeg?resize=1024%2C1024&#038;ssl=1\" alt=\"If your motorcycle sum insured is lower than the market value, you may have to bear a portion of the loss in proportion to the under-insurance\" class=\"wp-image-24445\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196.jpeg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><figcaption><em>*Note: The insurance company will pay RM3,200 while you will have to bear the remaining RM800<\/em><\/figcaption><\/figure>\n\n\n\n<p>However, the penalty is only imposed if the market value of your motorcycle exceeds the sum insured by 10%.<\/p>\n\n\n\n<h2 id=\"no-claim-discount-ncd-for-motorcycle\"><span class=\"ez-toc-section\" id=\"No_Claim_Discount_NCD_for_motorcycle\"><\/span>No Claim Discount (NCD) for motorcycle <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Motorcycle owners will receive an NCD from the insurance company if they do not make an insurance claim throughout the policy coverage.<\/p>\n\n\n\n<p>However, the NCD rate for a motorcycle is different from the NCD for a private car. The NCD rates for a motorcycle are as follows:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"24446\" data-permalink=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\/attachment\/photo1645495436\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495436.jpeg?fit=1080%2C727&amp;ssl=1\" data-orig-size=\"1080,727\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo1645495436\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495436.jpeg?fit=300%2C202&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495436.jpeg?fit=1080%2C727&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"727\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495436.jpeg?resize=1080%2C727&#038;ssl=1\" alt=\"No Claim Discount (NCD) for motorcycle insurance\" class=\"wp-image-24446\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495436.jpeg?w=1080&amp;ssl=1 1080w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495436.jpeg?resize=300%2C202&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495436.jpeg?resize=768%2C517&amp;ssl=1 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2 id=\"additional-coverages-for-motorcycle-insurance\"><span class=\"ez-toc-section\" id=\"Additional_coverages_for_motorcycle_insurance\"><\/span>Additional coverages for motorcycle insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You may purchase additional coverages to ensure your motorcycle receives adequate protection in your comprehensive plan.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"24447\" data-permalink=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\/attachment\/photo1645495196-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196-1.jpeg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"photo1645495196 (1)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196-1.jpeg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196-1.jpeg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196-1.jpeg?resize=1024%2C1024&#038;ssl=1\" alt=\"Additional coverages for motorcycle insurance\" class=\"wp-image-24447\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196-1.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196-1.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196-1.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196-1.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645495196-1.jpeg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<ul><li>Special perils (natural disasters)<\/li><\/ul>\n\n\n\n<p>It covers damage or loss to the motorcycle due to natural disasters such as floods and landslides.<\/p>\n\n\n\n<ul><li>Riots and civil commotions<\/li><\/ul>\n\n\n\n<p>This add-on coverage covers motorcycle damage due to riots, strikes, or civil commotions.<\/p>\n\n\n\n<ul><li>Additional accessories<\/li><\/ul>\n\n\n\n<p>This additional coverage protects your additional accessories against thefts or damages. You can make an insurance claim in the event of damaged or stolen accessories.<\/p>\n\n\n\n<ul><li>Legal liability<\/li><\/ul>\n\n\n\n<p>It covers the policyholder against liability of the passenger in the event of an accident.<\/p>\n\n\n\n<ul><li>Personal accident<\/li><\/ul>\n\n\n\n<p>This coverage provides compensation in the event of injuries, disability, or death caused by an accident. <\/p>\n\n\n\n<p>This additional coverage costs between RM10 to RM20 for a total coverage of RM5,000.<\/p>\n\n\n\n<p>Given the high involvement&nbsp;of&nbsp;motorcycle riders&nbsp;in&nbsp;crashes, motorcyclists are advised to purchase this additional coverage.<\/p>\n\n\n\n<h2 id=\"get-adequate-motorcycle-insurance\"><span class=\"ez-toc-section\" id=\"Get_adequate_motorcycle_insurance\"><\/span>Get adequate motorcycle insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As motorcycle riders&nbsp;are&nbsp;more&nbsp;prone to&nbsp;accidents, we advise you to purchase sufficient coverage like &#8216;All Riders&#8217; coverage if you ride a motorcycle. You may also add other additional coverages to your policy for enhanced protection. <\/p>\n\n\n\n<p>Get motorcycle insurance at Bjak instantly, entirely online. Get <a href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">free motorcycle insurance quotes<\/a> and renew your insurance in just 5 minutes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn about motorcycle insurance, including &#8216;Single Rider&#8217; and &#8216;All Riders&#8217; coverage and additional coverages you can add to your policy.<\/p>\n","protected":false},"author":7,"featured_media":9669,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[1898],"tags":[59,952],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Motorcycle Insurance: \u2018Single Rider\u2019 vs \u2018All Riders\u2019 Coverage | BJAK<\/title>\n<meta name=\"description\" content=\"Learn about motorcycle insurance, including &#039;Single Rider&#039; and &#039;All Riders&#039; coverage and additional coverages you can add to your policy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Motorcycle Insurance: \u2018Single Rider\u2019 vs \u2018All Riders\u2019 Coverage | BJAK\" \/>\n<meta property=\"og:description\" content=\"Learn about motorcycle insurance, including &#039;Single Rider&#039; and &#039;All Riders&#039; coverage and additional coverages you can add to your policy.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/motorcycle-insurance\/motorcycle-insurance-single-rider-vs-all-riders-coverage\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-16T05:14:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-05T10:28:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211105_BjakBlog_Athirah_A499-01-01.jpg?fit=1600%2C900&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nurul\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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