What premium does the motor tariff allow for your motorcycle?
The tariff sets a minimum and maximum premium for a 13-month motorcycle policy. Insurers price inside that range.
What does the tariff say?
| Cover | Up to 200 cc | Above 200 cc |
|---|---|---|
| Third party | AED 550 to AED 1,150 | AED 600 to AED 1,150 |
| Comprehensive | AED 800 to 5% of value | AED 850 to 5% of value |
| Personal accident for the rider | AED 120 | AED 120 |
| Case | Reduction |
|---|---|
| No claim caused in the last year | 10% |
| No claim caused in the last two years | 15% |
| No claim caused in the last three years | 20% |
| Renewing with the same insurer | 10% |
| Five or more motorcycles with one owner | 30% |
| Medical worker, armed forces, police, civil defence, person of determination, over 60, accident-free record | 50% |
Example: comprehensive cover on a bike above 200 cc worth AED 40,000, renewing with three claim-free years. The minimum is AED 850 less 20%, AED 680. The maximum is 5% of AED 40,000, AED 2,000. Reductions are allowed, not required. Middle East Insurance Review reported in November 2023 that the Central Bank told insurers in a circular to stop giving the 50% discount. More is on motorcycle insurance.
Sources
- Insurance Authority Board of Directors' Decision No. (30) of 2016, Regulation for Motor Vehicle Insurance TariffsCentral Bank of the UAE Rulebook. Tables 1 and 2. Premiums are for a 13-month policy. Read 12 November 2026.
- UAE: Central bank's directive restores order to motor insurance pricingMiddle East Insurance Review. News report dated November 2023, citing Emirates Today. Reports a Central Bank circular telling insurers to stop giving the 50% discount. Read 12 November 2026.