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Insurance

Pedal Cycle Insurance


Cover

  • Fire
  • Burglary, housebreaking, theft (excess of 10% of sum insured subject to minimum of AED 250/-)
  • Accidental Damage
  • Riot, Strike and Malicious Damage
  • Third party personal injury or Third party property damage for AED 50,000/- including legal / defense cost if any arising out of use of Cycle.
  • Personal Accident coverage up to AED 100,000/- covering Accidental Death and Permanent Total Disability
  • Including Transit of Cycle (within UAE only) by an appropriate motor vehicle whilst mounted and/or carried securely either inside or outside with specifically fitted / designed roof racks, boot or trunk-mounted racks, and hitch or towbar-mounted racks.
  • Cover including for accessories mounted on cycle like cycle computer, power meter, pedals etc. subject to declaration with values and premium rate to apply accordingly.
  • Including cover for Amateur Competitive Events

Territorial Limits

  • United Arab Emirates – Driven / Used only on designated areas, tracks and routes authorized by RTA.

Jurisdiction / Law

  • United Arab Emirates

Clauses / Conditions / Extensions

  • Settlement of claims on Market Value basis or Sum Insured whichever is less.
  • Market value can be determined by value of similar new cycle with 10% deprecation for each completed year or part thereof subject to maximum of 50%.
  • Minimum Age of entry 18 years & Maximum 65 years on the date of inception of the policy.
  • Warranted that the Pedal cycle should be kept locked and secured in all public places
  • Warranted that the Pedal cycles are used / driven only on designated areas, tracks and routes as per RTA regulations.

Exclusions

  • Theft of parts and accessories unless the cycle is stolen at the same time.
  • Consequential loss, depreciation, wear and tear.
  • Nuclear risk, War and War like operations
  • Any bodily injury resulting from or in consequence of under the influence of Alcohol, intoxicating drugs, attempted suicide or self-inflicting injury, pre-existing diseases and Illness occurring within 30 days of the commencement date
  • Loss or damage or bodily injury whilst participating in Professional Racing Championships / Events

Claim Procedure

  • All claims under the policy should be notified immediately to the Company.
  • In case of Theft of bicycle: Police report, purchase invoice, any other relevant document that may be demanded by the company.
  • In case of Death /Permanent disability relevant reports to establish the cause and nature of accident.

Deductible

  • 5% of the claim amount subject to minimum of AED 250/- each and every loss except for Amateur / Competitive Events increasing to a minimum of AED 500/- each and every loss.

Premium Rate / Slabs

  • Sum Insured Above AED 20,000/- and Up to AED 100,000/-
    3% of sum insured subject to minimum of AED 750/- + VAT

  • Sum Insured Above AED 10,000/- and Up to AED 20,000/-
    2.75% of sum insured subject to minimum of AED 500/- + VAT

  • Sum Insured Above AED 2,000/- and Up to AED 10,000/-
    2.5% of sum insured subject to minimum of AED 250/- + VAT

Subjectivity

  • NIL Claims Experience
  • VAT Clause

Schedule of Depreciation

   Age of Cycle – Up to 5 years
  • Less than 6 months – 0%
  • Less than one year – 10%
  • More than one year but not exceeding 2 years – 20%
  • More than 2 years but not exceeding 3 years – 30%
  • More than 3 years but not exceeding 4 years – 40%
  • More than 4 years but not exceeding 5 years – 50%

NB. The above schedule of depreciation will also apply for replacement of parts for partial losses.