What does comprehensive motorcycle cover pay for, and what does it exclude?

Comprehensive cover pays for loss of or damage to your own motorcycle and its accessories, as well as your liability to others.¹ All insurers use the same unified wording as the base and add their own extras on top.²

What does it pay for?

The unified policy pays when your motorcycle is lost or damaged by:¹

• an accident, collision or overturn
• fire, explosion or lightning
• theft or robbery
• a deliberate act by someone else
• an incident while it is being transported

The insurer repairs the bike, pays cash if you both agree, or replaces it if it is a total loss.¹

What does it exclude?

Insurers’ own motorcycle wordings go further. GIG Gulf excludes racing, competitions, rallies and trials, and use as a courier, dispatch rider or fast food delivery rider.² It does cover a professionally run circuit school day for riders who already hold a licence, with an extra AED 500 excess.²

Does a modification or your age change the excess?

Yes. On top of the basic excess, an insurer may charge up to:¹

• 10% of the claim if the rider is under 25
• 15% of the claim for sports cars and modified vehicles
• 20% of the claim for a vehicle modified outside the factory

Only the highest of these applies, and none applies to a total loss.¹ The basic excess has a maximum set by the vehicle’s value, AED 350 per accident for a private vehicle worth up to AED 50,000.¹

Who pays for new parts?

If you ask for new original parts, you pay a share of the invoice that grows with the bike’s age: nothing in the first year, 5% in the second, rising to 30% from the sixth year.¹ Work out your share with the parts depreciation calculator.

If repairs would cost more than half the bike’s value, it is a total loss. The insurer pays the insured value less 20%, adjusted for the part of the policy year already used.¹

What does it cost?

The tariff sets a minimum of AED 800 up to 200 cc and AED 850 above, and a maximum of 5% of the bike’s value, for 13 months.³

More on excess and agency repair is on carinsurance.ae: excess and agency repair.

Ask your insurer for its motorcycle wording and read the exclusions before you buy.

The small print

• The insured perils are Chapter Two (1), the parts depreciation Chapter Two (3) and Schedule 1, total loss Chapter Two (5), the additional excess Chapter Three (7) to (9), and the exclusions Chapter Four of the unified loss and damage policy.¹
• Agency repair after the first three years is at the insurer’s discretion, for a premium within the tariff, under Chapter Two (9).¹
• The comprehensive premiums are Table 2 of Insurance Authority Board Decision No. 30 of 2016.³