Dubai has many motorcycle enthusiasts and just line cars, motorcycle insurance in Dubai is mandatory. This is to ensure legal and financial protection to the insured in the event of an accident or damage. In this article, we will highlight the importance of motorcycle insurance in Dubai, its types and many popular add-ons that can offer enhanced protection to your beloved vehicle.
Types of Motorcycle Insurance in Dubai
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Third-Party Motorbike Insurance: This basic insurance covers the costs of damage, injury, or loss to a third party affected by an accident caused by you. It does not cover damages to the insured motorcycle itself. This insurance is mandatory for riding motorcycles on roads in Dubai.
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Comprehensive Motorbike Insurance: This insurance offers broader coverage than mandatory insurance, including coverage for damage to your own motorcycle resulting from an accident, in addition to third-party coverage. Coverage can be extended to include rider and passenger injuries, theft of the motorcycle, and natural disasters.
Popular Add-ons for Motorcycle Insurance in Dubai
Insurance companies offer various add-ons that you can add to your motorcycle insurance policy with the payment of some extra premium. The costs may vary depending on the insurance company you’ve opted for and policy terms. Some of the most important additional coverages include:
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Protective Gear Coverage: Coverage for your helmet and protective clothing against damage in the event of an accident.
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Breakdown Recovery: This is an important cover to include for availing roadside assistance.
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Medical Expenses Coverage: Specific medical expenses to treat bodily injuries in the event of an accident.
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Safe Riding Course Coverage: Coverage for damage to your motorcycle during participation in an accredited motorcycle safety course.
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Agency Repairs: Repairing the motorcycle after a traffic accident at an authorized agency for up to four years (depending on the insurance company).
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Accessories: Coverage for additional equipment such as bags, tank bags, GPS systems, radios, and similar items.
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Theft, Fire and Personal Loss: This add-on extends the coverage to incidents like theft, fire and personal loss like death and injury.
Factors Affecting Motorcycle Insurance Costs in Dubai
Several factors influence the cost of motorcycle insurance, such as:
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Type of Insurance: Comprehensive motorcycle insurance typically costs more than third-party insurance.
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Type and Model of Motorcycle: Insurance prices vary based on the type of motorcycle (scooter, sports bike, touring bike), as well as the year of manufacture and engine size.
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Rider's Age: Insurance costs are generally higher for riders under 25 years old.
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Previous Accident Record: Having a history of accidents may affect the cost of insurance.
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Additional Coverages: Additional coverages added to the insurance policy come with extra fees. Therefore, carefully determine your coverage needs and choose the insurance that provides the appropriate protection.
