There are three types of bike insurance to choose from in the UAE:

• Third-Party Liability: The least expensive insurance option, third-party liability (TPL), is the minimum coverage available in the UAE. It ensures others are protected from you on the road but does not provide coverage for any damages you might have taken. If you’re a relatively responsible driver, it will make sense to get TPL insurance, but if you would like more protection, it would be best to opt for comprehensive coverage.

• Comprehensive Coverage: Comparatively more expensive than TPL, comprehensive coverage affords more protection. Not only does it provide coverage to third parties against you, but it also provides coverage for damage to your bike and person. Comprehensive coverage can be as economic or as expensive as you want it to be. If you choose a basic comprehensive coverage plan, it should be reasonable enough. When you start piling add-ons to your policy, it becomes expensive.

• Fleet Insurance: Owners of delivery services that use bikes make the most use of this insurance type. It provides bulk bike insurance for a fleet of bikes.