Two-wheeler or bike insurance is mandatory in the UAE to protect riders in case of an accident. Similar to any other insurance, owners are required to pay a premium in bike insurance against the coverage provided. Aside from personal coverage, the insurance provider also offers coverage against third-party liabilities. However, to avail of these benefits, it is necessary to hold active and appropriate bike insurance.
For your convenience, here we have elaborated on motorcycle insurance in the UAE, its types and the benefits it offers.
Why Two-Wheeler Insurance in UAE Is Necessary
Similar to car insurance, having bike insurance or two-wheeler insurance is a legal obligation. Aside from legalities, here are some other reasons necessitating bike insurance in the UAE.
Financial Liberty
Having valid motorcycle insurance in the UAE offers financial convenience to the owner. In case of any accident or damage, the insurance company is liable to pay. This secures owners from major financial debt.
Accident Coverage
Personal accidents are covered by bike insurance, providing owners with financial support in case of an accident. Personal accident coverage can aid in paying rehabilitation fees, medical bills and compensation against the loss of income due to an accident.
Aside from insurance, it is also necessary to opt for safe driving habits to avoid accidents. Here are some common casues of motorcycle accidents and how to avoid them.
Third-Party Coverage
Third-party coverage offered by motorcycle insurance in the UAE exempts owners from legal hassle. The insurance covers all the damages caused to third parties involved in an accident.
Weather-Related Damage
Weather conditions in the Emirates can get harsh which could cause significant damage to vehicles, including two-wheelers. In the case of an insured vehicle, the insurance provider is responsible for paying for the damages caused due to the weather.
If your vehicle is already damaged by weather, here is what to do with a flooded vehicle.
Roadside Assistance
Many bike insurance companies offer roadside assistance to the owners as an added benefit. This service can be invaluable in case of a breakdown, providing services such as towing, jump-start, fuel delivery and flat tyre repair.
Types of Bike Insurance in the UAE
Now that you are aware of the benefits of motorcycle insurance in the UAE, let’s move towards its different types.
Third-Party Liability
Third-party liability insurance provides the basic coverage mandatory by the law. It covers vehicle damage and loss or injuries caused to other parties involved in an accident.
Comprehensive Insurance
As evident from the name, comprehensive insurance provides coverage against all the damages and injuries caused by an accident. Aside from that, damages caused due to weather, explosion and burglary are also covered, unless specifically excluded from the policy.
Fleet Insurance
In fleet insurance, a single policy covers multiple motorbikes without any additional premium or documentation. This type of insurance is ideal for owners managing courier or delivery services in the Emirate.
Additional Coverage Offered by Bike Insurance in the UAE
Alongside basic insurance types, owners can leverage insurance add-ons offered by the provider in return for a higher premium. Following are some insurance add-ons that owners can avail of.
- Breakdown Recovery: The breakdown add-on provides roadside assistance to the owners around the clock.
- Gap Cover: in the case of a totalled vehicle, the insurance provider is liable to payout to the owner.
- Civil Disorder Coverage: Damages caused due to riots or natural disasters are covered under the Civil Disorder add-on.
- Agency Repair: This allows owners to get their bikes repaired from an insurance provider-authorised workshop.
- Coverage for Fire, Theft and Personal Loss: The insurance provider will pay for personal and vehicular damages caused due to fire or theft.
Things to Consider When Buying Motorcycle Insurance in the UAE
Mentioned below are a few aspects to consider when buying motorcycle insurance in the UAE.
Evaluate Your Needs
The first step when buying motorcycle insurance in the UAE is to assess your needs and requirements. List down all the coverages required, for instance; accessories or gap coverage. Shop around for the insurance plan catering to your requirements.
Opt for a Reliable Insurance Provider
Always opt for a reliable and reputed insurance provider. Look for customer reviews, ratings and feedback prior to finalising the insurance provider. To avoid the hassle, here is a comprehensive list of insurance providers in the UAE that you can consider.
Compare Quotes
It is recommended to shop around and compare quotes from different insurance providers. Moreover, consider insurance companies offering exclusive discounts on the plans.
Be Mindful About Coverage
When opting for an insurance plan, always check the coverage offered by the provider. Usually, plans with lower premiums cut down necessary coverages. That said, carefully read the contract before signing and discuss subtle conditions and charges.
FAQs
How does motorcycle insurance in the UAE work?
Motorcycle insurance in the UAE works similar to that of car insurance. The owner pays a premium to the insurance provider and gets coverage against it.
What is not covered under bike insurance in the UAE?
The exclusion criteria vary from insurance provider to provider. However, driving under influence is not usually covered under any insurance.
What do I need to get bike insurance?
Your personal details along with the bike’s details are required to get insurance in the Emirates. Moreover, a valid motorcycle licence is also required.
This was all about motorcycle insurance in the UAE. Having a valid insurance plan, not only completes legal requirements but also provides peace of mind to the owners. This is why, whether you opt for new or used motorcycles for sale in the UAE, an insurance plan is a must.
Besides, if you are looking for a faster bike, here is the list of the fastest motorcycles in the world that you can opt for.
Stay tuned to dubizzle’s auto blog for more information on motorcycles.
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