What is your share of new parts after a claim?
Ask for new original parts and you pay a share of the invoice that grows with your bike’s age: nothing in year one, up to 30% from year six.
What does the schedule say?
| Year since first registration | Your share |
|---|---|
| First year | 0% |
| Second year | 5% |
| Third year | 10% |
| Fourth year | 15% |
| Fifth year | 20% |
| Sixth year and above | 30% |
Example: in the fourth year, on a parts invoice of AED 4,000, you pay 15%, AED 600, and the insurer pays AED 3,400. The share applies only if you ask for new original parts or cash. A total loss is settled at the insured value less 20%. More is on comprehensive motorcycle insurance.
Sources
- The Unified Motor Vehicle Insurance Policy Against Loss and DamageCentral Bank of the UAE Rulebook. Issued under Insurance Authority Board Decision No. 25 of 2016. Schedules 1 and 3. Read 12 November 2026.