As you push boundaries in your cycling life, we are here to keep you safe.

Ever thought about #RideSafe? How you can do it? And why you should consider it? Please see our FAQs below to better understand ePROTECT personal mobility, the insurance for cyclists.

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Q: Should we really be concerned about safe cycling?

A: From 2014 to 2015, The Straits Times reported an increase in deaths (17 as compared to 15) and injuries (increase of 17%; 590 as compared to 503) among cyclists and/or pillion riders (Source). With this rise in cycling accidents, safety and protection has never been more important.
We believe the future is bright for safe cycling with education to #RideSafe, not just among cyclists, but also among motorists, better adoption of protection measures and enhancement of cycling infrastructure.

Q: What is this insurance for cyclists?

A: Etiqa Insurance’s ePROTECT personal mobility helps you #RideSafe with the following benefits:
Benefits Sum Insured (S$)
Section A
1. Accidental Death $150,000
2. Permanent Disablement due to Accident $150,000
a. Permanent Total Paralysis or complete insanity or injuries resulting in being permanently bedridden $150,000
b. Permanent Total Loss of sight of both eyes or use of both hands or both feet or combination of these $150,000
c. Permanent Total Loss of speech $150,000
d. Permanent Total Loss of hearing in both ears $150,000
e. Permanent Total Loss of sight of one eye or use of one limb $75,000
f. Permanent Total Loss of hearing in one ear $30,000
g. Permanent Total Loss of use of a shoulder, elbow, hip, knee, ankle or wrist $22,500
h. Permanent Total Loss of use or loss by amputation of:
i. One thumb $22,500
ii. One forefinger $15,000
iii. Any other finger or one big toe $7,500
iv. Any other toe $3,000
3. Medical Expense Reimbursement

(For any one accident) (Deductible of $200 applies, except for treatment by Traditional Chinese Medical Practitioner which is subject to a sub-limit of $100 per visit and $1,000 per accident)

Section B
1. Personal Liability
  1. Accidental death or Bodily Injury to third party
  2. Loss or damage to property
  3. Legal costs and expenses of litigation recovered against you
  4. Costs and expenses of legal defence incurred by you

Q: In what situations may I need Personal Liability cover?

A: Personal liability cover may often be overlooked. It is important in accidents/crashes when you may have caused accidental death or bodily injury to third parties, especially when you are riding at fast speed, crowded places or on challenging terrains.
Loss or damage to property may occur in situations such as crashes for example into another bicycle or a car. Do note that the above situations are non-exhaustive.

Q: Does it cover beyond cycling?

A: Yes, ePROTECT personal mobility insurance covers a range of mobility devices which include bicycle, scooter, rollerblade, roller-skate, skateboard and wheelchair. These mobility devices need to be human powered / non-motorised and is designed to be used by one person and has one or more wheels that operate on a single axis.

Q: Does it cover cycling on motorised bicycle?

A: No, it does not cover motorised bicycle or any other motorised mobility devices.

Q: Does it cover cycling competitions?

A: No, it does not cover competitions or any other activities which the rider may earn income or remuneration from cycling.

Q: If I cycle on my job, can I get protected with this insurance?

A: No, it does not cover when the individual cycles as part of his job.

Q: Does it cover my cycling expeditions overseas?

A: No, it only covers cycling in Singapore.

Q: How does this insurance fit into my cycling needs?

A: We have made it flexible to suit your needs. We call this utility-based insurance. Going to ride intensively for a month? Simply get a 1-month insurance plan. You can now choose from 1, 3, 6 or 12-month insurance plans to suit your cycling adventures and needs.

Q: Who can get this cycling insurance?

A: Anyone between the ages of 8 and 65 years old. Renewal between the ages of 66 to 70 years old is done on a case-by-case basis.

Q: Is there a free-look period?

A: There is a 14-day free look period which is only applicable for the 12-month plan.

Q: Why is Etiqa Insurance involved with #TOGO1050?

A: We are proud to come on board as the official insurer for #TOGO1050 to enable safe riding for cyclists. Through this partnership, we hope to drive awareness for safety on the road and the importance of protection.

Q: Who is Etiqa Insurance?

A: Etiqa Insurance is a licensed life and general insurance company which has been in Singapore for more than 50 years. Part of the Maybank Group, our stable of personal insurance products ranges from life, savings and retirement plans to general insurance products such as home, maid, travel and car plans. Rated “A-” by Fitch for our financial strength and stable outlook, we believe in our brand promise of humanising insurance and placing people over policies. For more information, please go to our corporate website.
Have any questions? Ask us by using the “Chat with us” button on the right (available from 830am – 530pm on working days). Otherwise, please email our friendly Customer Care Consultants at

Exclusive for Togoparts, enjoy 5% off a 1-year plan. Valid till 31st Dec 2016.

Coupon Code:


Claim Offer