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Buying the Best Bike Insurance is as Simple as 1,2 and 3!
1. Complete a Form
Tell us about your bike and yourself so we can look for the best rates and insurance in the market.
2. Select the Best Policy
Easily compare & save the quote that works for you. We guarantee the same price as insurance companies with no hidden or extra costs.
3. Make Payment
We offer secure & instant online payment with credit or debit cards. You can also choose to pay over the phone, also 100% secure!
Types of Bike Insurance
We provide three types of bike insurance
Third Party Liability
This is the mandatory minimum level of cover required to ride your bike on public roads, stipulated as part of the new Unified Motor Insurance Policy in the UAE. It covers the costs of damage, loss or injury to the aggrieved party arising out of the use of your vehicle. Third party liability does not provide cover for damage or loss to your own vehicle.
Fleet Bike Insurance
Also known as Multi-Bike Insurance, this is especially beneficial for business owners managing courier and delivery services. This allows the motorcycle fleet to be insured under a single policy saving time, stress and money. This cover also provides flexibility to add or remove vehicles during the policy tenure at your convenience.
Comprehensive Bike Insurance provides 360-degree coverage and is the highest level of all-inclusive policy available to motorcycle owners. It underwrites the insured against injury or damage due to accidental collision, accrued legal third party liability, overturning, fire, external explosion, burglary, flood, terrorism and other malicious acts, unless specifically excluded. Comprehensive insurance even pays out in own-fault scenarios.
Why buy Bike Insurance from Souqalmal.com?
Why buy Bike Insurance from Souqalmal.com?
Souqalmal.com takes the guesswork out of choosing the right insurance policy for your specific needs. You get access to policies from top Bike Insurance providers in the region with latest insurance trends and updated coverage options at most competitive prices. Fill out a form with your details to instantly compare features and premium rates and choose the one that offers the best value for your money.
Have questions? Our experts with exceptional knowledge of the UAE market are here to guide you every step of the way. With our commitment to customer satisfaction and loyalty, you can rest easy knowing you’re in the right place.
Which UAE Bike Insurance companies do we work with?
UAE Bike Insurance Companies
Union Insurance Company was established in 1998 with an aim to provide comprehensive range of retail and commercial insurance products to clients in the UAE and Middle East. Their Bike Insurance policies range from basic to comprehensive and can be customized to cover your existing and evolving insurance needs.
Al Sagr National Insurance Company (ASNIC), Dubai, was founded in 1979 and has branches all over the UAE as well as large scale insurance interest in KSA and Jordan. In the Bike Insurance sector, Al Sagr offers third party liability coverage and comprehensive coverage against financial risk of loss, damage or legal liability.
Al Wathba National Insurance Company (AWNIC) PJSC was incorporated in Abu Dhabi in 1996 with the aim to efficiently underwrite all types of general insurance products and is backed by a panel of highly rated international reinsurers. Al Wathba Bike Insurance team offers third party as well as comprehensive motorcycle insurance plans with a host of additional extensions.
We answer some of the most commonly asked questions about Bike Insurance.
In accordance with the UAE Unified Motor Policy regulations, all motor vehicles require a minimum third party liability cover before they are allowed on public roads. Applicants can choose the extent of coverage required when buying the policy. For every biker, the correct level of quality Bike Insurance is key to riding with safety and confidence.
A typical Bike Insurance policy covers the costs associated with liability claims and legal fees, property damage, death or bodily injury to the rider or vehicle up to the limits of your policy. The insurance cover can also be customized to include multiple add-ons such as full replacement cost, uninsured motorist coverage and loss of personal items.
Bike Insurance premium is calculated based on the worth and type of bike insured. It also takes into account the age and riding experience of the biker, his nationality as well as claims history.
Sports and exotic bikes pose an escalated risk of accidents and theft. This makes them more expensive to insure than normal bikes. For this reason, they warrant higher rates of premium as well as deductibles.
The level of Bike Insurance cover you need depends on the style of bike you own and how you plan to use it. Motorcycles designed for speed and racing pose a greater risk of serious injuries and will require a higher level of medical and liability coverage. High value exotic bikes, on the other hand, need greater protection against theft and malicious acts. Opt for a policy crafted to best protect you and your financial well-being.
In case of an incident, our Bike Insurance partners aim to provide the highest levels of fair and quick support. You can refer to your policy manual for the process and documentation required to proceed with a claim or get in touch with a claims specialist through phone or email. The specialist assists you in filing the claim and obtaining a hassle-free repair approval.
Additional Covers That You Can Opt for with Your Bike Insurance
Many insurance companies allow you to choose from a range of additional features or add-ons, which eventually determine the final premium for your policy. We've gathered an extensive list of these policy add-ons.
Agency Repair Cover
This cover sanctions repairs to your damaged bike at the manufacturer’s authorized workshop in the event of an accident. This feature can, however, only be availed for two years from the date of first registration of your motorbike as new.
Fire and Theft Cover
This extension applies to loss or damage to your motorcycle due to accidental fires including lightning and explosion as well as theft or attempted theft.
Geographical Extension Cover
Bike Insurance policies issued in the UAE are typically valid within the national borders. This cover extends the territorial limits of your policy to include other geographical regions.
Cover Against Perils of Nature and Civil Disorder
This extension protects your vehicle against loss or damage due to convulsions of nature like earthquakes, volcanic eruptions, storms, floods, hurricanes, sandstorms as well as civil commotions, riots and strikes.
24-Hour Accident and Breakdown Recovery Cover
With this add-on, your policy can be extended to include 24-hour accident recovery, towing services, flat tyre replacement, vehicle jump start assistance in case of a dead battery and emergency fuel delivery.
Cover for Loss of Personal Items
This extension compensates for loss or damage of personal property stowed in the insured bike including helmet and protective gear due to an accident, theft or fire. A police report is necessary for such a claim to be entertained.
Your insurance company only pays out the insured value in case of a total loss. This value may sometimes be lower than your outstanding bank loan. This optional extra settles the gap amount.