Motorcycle Insurance

Overview

If you have just purchased a motorcycle, or have owned one for a while, there is truly no feeling quite like being on your bike with the open road in front of you. That’s why we go the extra mile to help you find the coverage that’s right for you to help you protect it

What is Motorcycle Insurance?

Motorcycle insurance provides financial protection in the event of a motorcycle accident, loss, theft or damage. Motorcycle insurance includes liability coverage in case you are responsible for another person’s injuries or property damage. It works in a similar way to how car insurance works.

However, why is it so important to have?

For the simple reason that motorcycles are much more dangerous to operate than cars, since:

  • They are small and difficult for other motorists to see especially at night.
  • They’re very fast and maneuverable, which makes them even harder to see.
  • They operate on two wheels; a moment of inattention can result in an accident.
  • They are not fitted with protective devices, like seat belts or air bags.

Essentially, there are two levels of cover:

  • Comprehensive – (Third Party Liability and Loss & Damage)
  • Third Party Liability
What do they mean?
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What does Motorcycle Comprehensive Insurance typically cover?

Fire and Theft

Covers you if your bike has been stolen, involved in a fire, or if damage has occurred as a consequence of attempted theft.

Agency Repairs

Repairs of your motorcycle can be done at the manufacturer’s authorized agency during the first year of its registration.

Personal Accident Cover for Driver

Provides financial compensation if the driver dies or sustains a physical injury in the event of an accident.

Third Party Property Damage

Insures you against damage caused to someone else’s property while operating your motorcycle.

24 Hours Accident and Breakdown Recovery

Offers accident/breakdown recovery services including Towing Service, Battery Boost, Emergency Fuel Delivery, Flat Tyre Service.

Ambulance Cost

Coverage for cost of ambulance service incurred, following a traffic accident to the Insured Motorcycle

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  • We answer any question you may have & compare multiple insurance quotes within minutes.
  • We highlight any areas of your insurance quote where you might have too much or too little coverage, so we are sure that you are provided with the best insurance for your motorcycle.
  • We compare Insurance plans from multiple insurance providers to find you the ideal coverage for your needs and help save on your insurance premiums.
  • If you need help our insurance advisors can offer assistance by phone or email.
  • Even after you buy your motorcycle insurance, we help you with claims and make any policy changes you may require.

You will have to provide some basic information about yourself as well as your motorcycle, to enable us to provide you with accurate insurance quotes.

  • Motorcycle Details: You are required to provide your motorcycle’s make, model, year of manufacture, year of first registration, place of registration (Emirate), specification and value.
  • Personal Details: You are required to provide your name, date of birth, contact details, nationality, UAE Driving Experience, and number of years you have driven without claiming on your insurance.

When buying a new motorcycle insurance policy, you will be asked to submit:

  • Passport copy with Visa page / Emirates ID
  • Copy of the Registration Card (Both sides)
  • Copy of Valid UAE Driving License (Both sides)
  • No Claims Certificate, where applicable
  • Valid Trade License (For Company-owned Motorcycles)

Frequently Asked Questions (FAQs)

Quickly find out if we’ve already addressed your query.

The cover is compulsory as per the UAE law and it’s features are: 1. Death or bodily injury to any Third Party/Person. 2. Damages to Third Party property arising out of the use of your Motorcycle More importantly, this Policy does not cover any damage or loss to your Motorcycle.

A number of factors are used to calculate your insurance premium. Some of these are:

  • Value of your motorcycle
    The type of cover you chose
  • Your motorcycle’s year, make and model
  • Any No-claims discount you’re entitled to
  • The age of driver, as well as their driving and claims history
  • Optional benefits selected by you
    Location
As per laws set by the Traffic Department, a 13-month insurance period is required to cover the one-month registration grace period.

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Edge Insurance Brokers is an independent insurance brokerage created to be one with a difference that will afford clients with added value in return for their confidence and long-term allegiance. Our expertise in every facet of risk and across different industries help our clients foresee, quantify, and better comprehend the range of risks they may face.

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Head Office
Office no. 704, 7th Floor, Al Naeem Tower II, Al Jezaa St., Al Nakheel, Ras Al Khaimah

 Sun to Thurs (8am-5pm)

+971 7 244 4458

info@edgeinsbrokers.com

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