TM BikePro is a comprehensive motorcycle insurance plan that protects you against loss or damage to your motorcycle due to accidents, fire or theft. It also provides protection against your legal liability to third parties for bodily injury, death, and property damage. In addition to standard comprehensive motorcycle coverage, TM BikePro includes enhanced benefits such as Motor Personal Accident coverage, Daily Hospital Income, Medical Expenses reimbursement, Ambulance Fees reimbursement, Bereavement Allowance, Zero Excess for eligible motorcycles, and 24/7 roadside assistance services.

Yes. You may arrange for the renewal of your motorcycle insurance policy 2 months before the current policy expires to ensure continuous protection for your motorcycle.

TM BikePro and Comprehensive Motorcycle Insurance do not cover certain losses or circumstances, including:

• Loss or damage resulting from driving under the influence of alcohol or drugs;
• Use of the motorcycle for unlawful purposes, racing, pace-making, speed testing, or reliability trials;
• Consequential losses such as loss of use, depreciation, or reduction in market value;
• Mechanical, electrical or electronic breakdowns not caused by an insured event;
• Losses arising from war, nuclear risks, or similar excluded perils

Note: This list is non-exhaustive. Please refer to policy wording for the full list of exclusions.

Excess is the amount that you must bear for each approved claim before the insurer pays the balance of the claim amount. Under TM BikePro, the compulsory excess is waived for motorcycles with engine capacity of 250cc and below (subject to policy terms and conditions) through the Zero Excess Benefit, helping to reduce your out-of-pocket expenses when making a claim. Please refer to your Policy Schedule for details of any applicable excess.