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Motorcycle travel insurance: why you need it for your next adventure.

Motorcycle travel can be an exhilarating experience, but it also comes with its own set of risks. From unexpected accidents to lost luggage, there are many things that could go wrong on a motorcycle trip. That's where motorcycle travel insurance comes in.

Motorcycle travel insurance is designed to protect you and your bike while you're on the road. It can cover a wide range of situations, including medical expenses, trip cancellations, lost or stolen gear, and more. With the right coverage, you can travel with peace of mind, knowing that you're protected in case anything goes wrong.

However, not all motorcycle travel insurance policies are created equal. It's important to carefully review the coverage options and exclusions to ensure that you're getting the protection you need. 

Why You Need Motorcycle Travel Insurance

Coverage benefits.

Traveling on a motorcycle can be an exciting and adventurous way to explore new places. However, it also comes with its own set of risks. Motorcycle travel insurance can provide coverage for a variety of benefits, including:

• Emergency medical expenses
• Cancellation or interruption of your trip
• Lost or stolen luggage and personal belongings
• Emergency evacuation and repatriation
• Accidental death and dismemberment

Having these benefits can give you peace of mind while traveling, knowing that you are protected in case of unexpected events.

Common Risks

Motorcycle travel can be riskier than other forms of travel. Some common risks that motorcycle travelers face include:

• Accidents and injuries
• Illness or medical emergencies
• Theft or loss of personal belongings
• Weather-related incidents
• Unforeseen trip cancellations or interruptions

Having motorcycle travel insurance can help mitigate these risks and provide protection in the event that something goes wrong during your trip.

Cost Comparison

The cost of motorcycle travel insurance can vary depending on a variety of factors, such as your age, destination, length of trip, and coverage options. However, it is important to compare the cost of insurance to the potential cost of not having it. For example, if you were to get injured or have to cancel your trip, the cost of medical expenses or lost deposits could far exceed the cost of insurance.

Comparing different insurance policies and providers can help you find the best coverage at a reasonable price. It is also important to read the fine print and understand exactly what is covered and what is not.

Types of Motorcycle Travel Insurance

Single trip insurance.

Single trip insurance is a great option for those who are planning on taking a one-time trip on their motorcycle. This type of insurance provides coverage for a specific trip, typically ranging from a few days to a few weeks. If you are planning a longer trip, you may want to consider annual insurance instead. Single trip insurance typically includes coverage for medical expenses, trip cancellation, and emergency assistance while on your trip.

Annual Insurance

Annual insurance is a good choice for those who plan to take multiple trips throughout the year. With annual insurance, you can take as many trips as you like within a 12-month period, with each trip typically lasting up to 90 days. This type of insurance provides coverage for medical expenses, trip cancellation, and emergency assistance, just like single trip insurance. It may also include coverage for personal belongings and rental vehicle excess.

Group Insurance

If you are planning a group motorcycle trip, you may want to consider group insurance. This type of insurance provides coverage for a group of people traveling together, typically up to 10 people. Group insurance can be customized to fit the specific needs of your group, and may include coverage for medical expenses, trip cancellation, and emergency assistance. It may also include coverage for personal belongings and rental vehicle excess.

How to Choose the Right Motorcycle Travel Insurance

Coverage limitations.

When choosing motorcycle travel insurance, it's important to consider the coverage limitations. Make sure the policy covers the countries you plan to visit and the activities you plan to do, such as off-road riding or racing. Additionally, check the policy's medical coverage, including emergency medical evacuation and repatriation. Look for a policy that covers the full cost of medical treatment, including hospitalization, doctor visits, and medication.

Exclusions are situations or circumstances that the policy does not cover. It's important to carefully read the policy's exclusions section to understand what is not covered. Common exclusions for motorcycle travel insurance include pre-existing medical conditions, reckless behavior, and participating in illegal activities. Additionally, some policies may exclude coverage for certain types of motorcycles or riding in certain areas.

Policy Inclusions

Policy inclusions are the benefits and features that are included in the policy. Look for a policy that includes coverage for trip cancellation or interruption, lost or stolen luggage, and trip delay. Additionally, consider policies that offer roadside assistance, rental vehicle coverage, and personal liability coverage. Make sure to read the policy's terms and conditions carefully to fully understand what is included. When choosing the right motorcycle travel insurance, it's important to consider your individual needs and circumstances. Carefully review the policy's coverage limitations, exclusions, and inclusions to ensure that you have the right coverage for your trip.

How to Buy Motorcycle Travel Insurance

Online purchase.

One of the most convenient ways to buy motorcycle travel insurance is online. Many insurance providers offer online purchase options, which allow you to compare different policies and prices and select the one that suits your needs the best. We like to use InsureMyTrip , they provide a really convenient way to comparison shop. Enter your information once and compare several companies. 

To buy motorcycle travel insurance online, follow these simple steps:

• Visit the website of a reputable insurance provider - we like InsureMyTrip for the ease of comparing coverage
• Select the type of travel insurance you need (in this case, motorcycle travel insurance)
• Enter your travel dates and destination
• Choose the level of coverage you require
• Provide personal and travel details, such as your age, medical history, and trip itinerary
• Review the policy terms and conditions, and make sure you understand what is covered and what is not
• Make the payment using a secure online payment method, such as a credit card or PayPal
• Receive your policy documents via email or download them from the insurer's website

Through a Travel Agent

If you prefer to buy motorcycle travel insurance through a travel agent, you can do so by contacting a travel agency that specializes in adventure travel or motorcycle tours. These agents can help you find the right policy for your needs, and provide you with valuable advice on travel safety and health. To buy motorcycle travel insurance through a travel agent, follow these steps:

• Research travel agencies that specialize in motorcycle tours or adventure travel
• Contact the agency by phone or email, and explain your travel plans and insurance needs
• Ask the agent to provide you with different policy options and prices
• Compare the policies and select the one that provides the best coverage for your trip
• Provide the agent with your personal and travel details, and make the payment
• Receive your policy documents from the agent, either via email or in person

Through an Insurance Broke r

If you want to buy motorcycle travel insurance through an insurance broker, you can do so by contacting a licensed insurance broker in your area. These brokers can help you find the right policy for your needs, and provide you with expert advice on insurance options and requirements. To buy motorcycle travel insurance through an insurance broker, follow these steps:

• Research licensed insurance brokers in your area
• Contact the broker by phone or email, and explain your travel plans and insurance needs
• Ask the broker to provide you with different policy options and prices
• Provide the broker with your personal and travel details, and make the payment
• Receive your policy documents from the broker, either via email or in person

Don't Overlook Travel Insurance - It's better to have it and not need it!

You should not overlook travel insurance for your upcoming trip. We have partnered with InsureMyTrip , because they are the best option to compare plans and find the right coverage for you. They have thousands of travel insurance plans and a one-of-a-kind recommendation engine to help travelers find the right plan. Most importantly, they will be there for you before, during, and after your trip if you should need anything - especially help with a claim with the provider.

Get a Quote from InsureMyTrip

Get access to several providers to get a quote based on your specifics, compare providers, and purchase simply and efficiently. 

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Travel Insurance for Motorcycle Holidays

Get an instant insurance quote.

This specialist travel insurance has been designed to provide protection for motorcycle enthusiasts abroad on their own bike or hiring a bike whilst away on holiday. Many travel insurance policies have limitations on engine size or even exclude motorcycling; our Motorcycle Travel Insurance covers any size of bike and can cater for most two wheeled activities including cruising, track days and off road.

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This product is quoted and sold on an external website. Any discount code or special offers will not apply.

What does the cover include?

• Covers any number of trips each year, for up to 31 days
• Winter sports cover available, subject to additional premium
• Maximum age 65yrs
• Covers trips up to 12 months in duration
• Discounts available for pillions and families
• Maximum age 85yrs

Benefits of Travel Insurance for Motorcycle Holidays

• Flexible cover Cover any size of bike in Europe or Worldwide if riding your bike or hiring
• Includes specialist clothing and accessories Protects against theft or damage to leathers, helmets, gloves and boots. Also covers panniers and tank bags
• Cover for Events Cruising, off-roading, events or track days (see the activity list in the wording) cover are included for free!
• Cover for loss of use or returning to collect your bike in the event of a breakdown
• Single or Multi-trip options Single trips up to 366 days or annual policies available
• Choice of Cover Silver or Gold cover to meet your individual needs

• Worldwide Travel Insurance, a specialist in travel insurance and related products, has over 20yrs experience in offering high quality cover at great prices.
• All policies purchased online are emailed immediately - ideal for last-minute bookings.
• Cooling-off Period: You have 14 days following receipt of your documents during which you can obtain a full refund if you have not travelled and no claim has arisen.

Customers with Serious Medical Conditions

If you are resident in the UK, the Money & Pensions Service (MaPs) has developed a directory of specialist Travel Insurance providers to assist UK-based travellers with existing medical conditions to obtain travel insurance that is affordable. If, due to a serious medical condition, we are unable to offer cover and you are having difficulty finding suitable insurance, you can use the MaPs travel insurance Directory to find a Company that may be able to help. Go to www.moneyadviceservice.org.uk or call 0800 138 7777 (Mon to Fri 8am – 6pm).

A wide range of Insurance Policies to suit your individual needs

Our policies include:, your security with worldwide travel insurance:.

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• Motorcycle Travel Insurance Policies

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MOTORCYCLING TRAVEL INSURANCE POLICIES UK

All our motorcycling travel insurance policies will cover you for on-road motorcycling, with no cc restrictions, as long as you hold a FULL licence to be riding a bike of that size in your home country, and wear a crash helmet (even if local law doesn’t insist on it). On-road motorcycling touring does not necessarily have to be a tarmac road, but the road must be what passes for the road locally. 

Please note that these policies are NOT to insure your motorcycle and do NOT cover Third Party Liability (Personal Liability). These are Travel Insurance policies for bikers, to cover you whilst travelling by motorcycle abroad and on motorcycle holidays, for medical expenses etc.

They are only available to UK residents, though some Short Stay policies are also available to residents of certain other European countries. Whilst these policies cover Medical Expenses relating to motorcycling (ambulance, air ambulance, hospital costs, repatriation etc) most of these policies, including Navigator Silver, Pearl, Gold & Diamond, do NOT cover additional compensation for accidental Death, Loss of Limb, Loss of Sight, Disablement, arising from a motorcycling-related accident.

WHY DO YOU NEED MOTORCYCLE TRAVEL INSURANCE? 

Motorcycle travel insurance is essential for anyone who plans on booking a motorcycle holiday or taking their motorbike touring abroad. This includes anyone who plans on touring on their motorcycle, taking biking road trips, off-road motorbiking, and participating in track days.

Ensuring that you have the right motorcycle travel insurance policy for you will mean that you remain protected no matter where you go for all motorbike-related activities you may be embarking on during your motorcycle holidays. 

WHAT DOES TRAVEL INSURANCE FOR MOTORCYCLISTS COVER?

Depending on which motorcycle travel insurance policy you opt for, this will determine what you are and aren’t covered for during your motorcycle holidays. For example, some policies will cover both on-road and off-road motorcycle use in their travel insurance for motorcyclists, whereas some may only cover on-road.

It is worth noting that opting for additional off-road cover might incur additional costs. 

You must complete the necessary research into the different available motorcycle travel insurance policies to ensure that you choose a policy that is most suited for you and the travel and activities that you will be engaging in during your motorcycle holidays. 

WHEN IS ON-ROAD NOT ON-ROAD? (Navigator Silver, Gold & Diamond policies).

PLEASE NOTE – WE DO NOT ACCEPT THAT “EVENTS” SUCH AS MOTOGIRO DE ITALIA, STELLA ALPINA ETC, ARE ON ROAD, LEISURE MOTORCYCLE TOURING. WE CAN COVER THESE EVENTS, BUT ONLY ON MORE EXPENSIVE MOTORSPORT POLICIES, WHERE INDEPENDENT OFF-ROADING IS COVERED.

SIMILARLY, WE REGRET THAT INSURERS DO NOT REGARD NETWORKS SUCH AS TET (TRANS-EUROP TRAIL NETWORK) AS ON-ROAD MOTORCYCLING, AS THERE ARE NARROW SECTIONS WHERE YOU CANNOT GET A 4×4. UNFORTUNATELY, AS TET TOURING IS NOT GUIDED, TOUR OPERATOR ORGANIZED OFF-ROADING, WE CAN NO LONGER COVER IT UNLESS YOU ARE SURE THAT THE SECTIONS THAT YOU ARE RIDING ARE MARKED ON GENERAL MAPS AND ARE WIDE ENOUGH FOR OTHER TRAFFIC TYPES TO USE (WE WOULD THEN CLASS IT AS ON-ROAD RIDING).

IF YOU ARE NOT SURE ABOUT THE NATURE OF THE TET/ACT TRAILS THAT YOU WILL BE RIDING, THIS IS NOT A SUITABLE POLICY FOR YOUR TRIP.

We have recently lost our off-roading (Motorcycle Silver and Motorcycle Gold) policies, due to the underwriter pulling out.

We have motorcycle travel insurance policies with another underwriter, the Navigator Silver, Navigator Gold and Navigator Diamond, but these are principally for on-road motorcycling. True Off-Road motorcycling on personally guided organised tours can be covered, but only for a MAXIMUM of 7 days and at the Action Plus sport supplement, which doubles the cost. However, we have been talking to the underwriter and have agreed to relax rules relating to what constitutes on-road motorcycling. We now regard on-road motorcycling as :

1 – Riding legally on Highways and Byways that are available for motorised vehicles (i.e. green laning etc). They should be substantial enough for a 4WD to negotiate.

2 – They MUST be marked on a map as roads (not footpaths/bridleways, for example)

3 – They MUST be rights of way for motorised vehicles, i.e. NOT restricted byways for walkers, push bikes and horses, and NOT forest fire roads which are not open to unauthorised motorised vehicles.

4 – As a rule of thumb, if you don’t need a licence, motor vehicle tax and insurance to ride on it, we would regard it as off-roading and you would NOT be covered. Highways and byways with legal access for motorised vehicles would require these documents. Strangely, our insurers still require you to hold a FULL licence for the size of bike being used, even when off-road riding (don’t ask!). I suppose it’s the only way they have of knowing that you have some experience on a motorcycle…

5 – Unfortunately, Navigator Silver and Navigator Gold policies are not as generous as the old policies. These will NOT cover motorcycle touring trips of more than 31 consecutive days unless you pay the Action Plus sport supplement which increases this to 62 consecutive days. There is NO cover for the bike or your gear (helmets/leathers and boots etc) and NO cover for Motocross or competitive riding of any sort, and NO cover for Track Days, or true off-roading (other than 7 days guided organised tour at Action Plus supplement), Enduro etc. 

Long term on road motorcycling and competitive motorsport can be covered on our new AIG Backpacker & Longstay policies – call 0161 973 6435 or email [email protected] for a quote.

6 – If there is any doubt about the nature of the riding that you may encounter on your trip, we strongly recommend that you pay the Action Plus sport supplement, which extends cover to true off-roading for a maximum of 7 days of the trip, though this travel insurance for motorcyclists is only for organised guided (by a human!) motorcycling tours.

If you buy one of these Single Trip policies online, it is important that you start the cover on the date that you leave the UK (or your home country) and end it on the date that you get home. If you just buy the motorcycle travel insurance policy for a few days in the middle of a trip when you are booked on a motorcycling tour, the policy will be completely INVALID. These are not top-up policies, they must cover the whole trip.

WHICH POLICY DO I NEED?

To minimise confusion, we have detailed the scope of our UK motorcycling cover for your motorcycle holidays on our policies below:

Navigator Silver, Gold & Diamond. ( Quote or buy online or by phone – 0161 973 6435)

Cover for On Road Motorcycle Touring is restricted to 31 consecutive days per trip, with the option to increase to 62 days at the Action Plus supplement. This applies to Annual Multi-Trip and Short Stay Single Trip versions of these policies. The Long Stay Single Trip version of the policy is restricted to 31 consecutive days, with no option to increase this limit.

Cover for Off-Road Motorcycling (as part of a personally guided organised motorcycling tour) is restricted to 7 consecutive days with the Action Plus supplement, at extra cost. Again, this only applies to Annual Multi-Trip or Short Stay Single Trip policies and is not available on the Long Stay Single Trip version for your motorcycle holidays (see definition of on-road/off-road above).

If you buy one of these Single Trip policies online, it is important that you start the cover on the date that you leave the UK (or your home country) and end it on the date that you get home from your motorcycle holidays. If you just buy the motorcycle travel insurance policy for a few days in the middle of a trip when you are booked on a motorcycling tour, the policy will be completely INVALID. These are not top-up policies, they must cover the whole trip.

Longstay & Backpacker  ( Quote or buy by phone only – 0161 973 6435) 

On Road motorcycling can be covered for trips of up to 18 months with NO cc restrictions. Limited off-road cover available with 250cc maximum. Motocross and other competitive riding can be covered at extra cost.

High-Risk Voyager. ( Quote or buy online or by phone – 0161 973 6435)

On Road Motorcycling is only covered for a maximum of 14 consecutive days per trip. This motorcycle travel insurance policy is primarily for people working overseas and is not really intended for touring holidays.

Travel Plus. ( Quote or buy by phone only – 0161 973 6435)

This policy is NOT suitable for motorcycling as there is now a limit of 250cc.   On road motorcycling on made-up public roads is covered, though ONLY up to the 250cc limit. Full licence must be held

Adventures. ( Quote or buy by phone only – 0161 973 6435)

On Road Motorcycling is covered for 6 months maximum with this motorcycle travel insurance policy. This insurer does NOT use the above definition of “on-road”. They do not require roads to be tarmac, but they must be official public highways, passable to most traffic types.

FREQUENTLY ASKED QUESTIONS

Are there any cc restrictions on navigator policies.

There are no cc restrictions on any of our motorcycle travel insurance policies as long as you hold a full licence to ride a similar-sized bike in the UK (or EU on some policies).

Am I covered for Third Party/Personal Liability?

Motorcycle travel insurance excludes liability cover if the claim arises from using any motorised vehicle. This must be covered on the vehicle/motorcycle insurance.

Do Navigator policies cover me on a rented motorcycle?

Yes, Navigator policies will cover you on owned, rented or borrowed bikes, as long as you have an appropriate full licence and are street legal.

Can I ride off-road on Navigator policies?

Our motorcycle holiday insurance policies cover on-road at standard prices, though roads do not have to be tarmac. If they are official highways, marked as such on a map, or are byways legally open to motorised vehicles and marked as such on a map, this would be classed as on road. Proper Off-Road riding on a guided off-road motorcycling tour can be covered on our Navigator Silver, Gold and Diamond policies for a maximum of 7 days, by selecting the “Action Plus” option on the second page of the online application. This doubles the cost. Strangely, our insurers still require you to hold a FULL licence for the size of bike being used, even when off-road riding (don’t ask!). I suppose it’s the only way they have of knowing that you have some experience on a motorcycle…

Am I covered as a pillion passenger on a motorcycle?

Our travel insurance for motorcyclists will cover you as a pillion, as long as the rider holds a full licence for the bike.

If you have any queries or need assistance with quotes or booking your motorcycle travel insurance, please do not hesitate to call us on 0161 973 6435 or email [email protected]

All our other travel insurance policies can also incorporate motorcycle travel insurance, as detailed above.

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Motorcycle Travel Insurance: Why It’s Essential for Riders

Riders know the importance of being prepared. One essential aspect for road motorcycling travelers that should never be overlooked is securing comprehensive motorcycle travel insurance to protect against nonrefundable expenses. This motorcycle insurance coverage not only protects you but also your beloved bike, ensuring peace of mind throughout your journey. Make sure to get the proper insurance for your travel insurance plan or travel insurance package.

Motorcycle travel insurance is a must-have for motorcycling travelers looking to explore new horizons and book flights with World Nomads. Motorcycle insurance provides proper insurance and coverage for motorcyclists, offering financial protection in case of accidents, theft, or damage to your bike while traveling. It offers medical coverage through the travel health insurance plan in the event of any unforeseen injuries sustained during your trip. Make sure to get the proper insurance by choosing the right travel insurance package. With the right motorcycle coverage insurance policy in place, you can confidently hit the open road knowing that your health and well-being are well-protected by nib travel services. Trust us to provide the coverage you need for a worry-free journey.

Don’t leave home without motorcycle travel insurance – it’s an investment that can rescue you from potential financial burdens and provide invaluable support when you need it most in the world. So buckle up and embark on your next adventure with confidence, knowing that you have the necessary single-trip insurance, travel health insurance, and travel medical insurance coverage to protect yourself and your bike. Trust in Nib Travel services for all your travel insurance needs.

Coverage Options for Motorcycle Trips

Having the right insurance coverage is essential. It’s important to explore various travel medical insurance and travel health insurance coverage options tailored specifically for motorcycle trips to ensure you have adequate protection throughout your journey. Consider using nib travel services for added peace of mind and potential rescue assistance.

Medical Expenses Coverage

One of the key coverage options for motorcycle trips is medical expense coverage provided by health insurance. This coverage ensures that you are protected in case of any unforeseen accidents or injuries during your trip. It is always recommended to have adequate health insurance coverage, such as nib travel services, to ensure your safety and well-being while traveling. In case of an emergency, having the right health insurance can be a rescue and provide you with the necessary financial support for medical expenses. Accidents can happen at any time, and being prepared for unexpected injuries is crucial. This is especially true for motorcycle riders , who should make sure they have adequate motorcycle coverage and health insurance. Additionally, it’s important to consider travel medical insurance for those who frequently travel by motorcycle. In case of an accident or emergency, having these types of insurance can provide the necessary rescue and medical assistance needed. With nib travel services, you can rest assured that your health insurance will cover your medical expenses in case of an accident during your trip. Additionally, you can count on their rescue services for any emergencies.

Trip Cancellation Coverage

Another important aspect of motorcycle travel insurance is trip cancellation coverage . Sometimes, unforeseen circumstances may force you to cancel or cut short your trip. With nib travel services, you can have peace of mind knowing that you are covered with medical insurance. This could be due to personal reasons, adverse weather conditions, or any other unexpected event that may require medical insurance or the assistance of nib travel services. Having trip cancellation coverage from NIB Travel Services ensures that you are protected from losing non-refundable expenses such as flights and accommodations.

Accident and Theft Coverage

Accidents and theft are unfortunate events that can occur during a motorcycle trip. To safeguard yourself against these risks, it’s vital to have accident and theft coverage in place. This type of insurance provides financial protection in case of damage to your motorcycle due to an accident or if it gets stolen during your journey.

Additional Coverage Options

In addition to the above-mentioned coverage options, there are other aspects you should consider when selecting a motorcycle travel insurance plan:

• Emergency Assistance : Look for plans that offer 24/7 emergency assistance services. This can be extremely helpful if you find yourself in a difficult situation while on the road.
• Personal Liability : Personal liability coverage protects you financially if you cause damage or injury to someone else while riding your motorcycle.
• Gear and Equipment Coverage : If you carry valuable gear or equipment with you on your motorcycle trips, make sure your insurance policy covers them in case they get damaged or stolen.
• Legal Assistance : Some policies also provide legal assistance coverage, which can be beneficial if you encounter any legal issues during your trip.

It’s important to carefully review the coverage options and exclusions of different motorcycle travel insurance policies . Each option may have its own set of inclusions and exclusions, so make sure you understand what is covered and what is not before making a decision.

Remember, having comprehensive coverage for your motorcycle trip gives you peace of mind and protects you from unexpected financial burdens. So, don’t overlook the importance of motorcycle travel insurance when planning your next adventure on two wheels.

Benefits of International Motorcycle Touring with Travel Insurance

Embarking on an international motorcycle tour is an exhilarating experience that allows riders to explore new territories and soak in the beauty of different cultures. However, it’s important to remember that unexpected situations can arise, and having travel insurance specifically designed for motorcycle trips is essential. Let’s dive into why having motorcycle travel insurance is a must for riders venturing abroad.

Enjoy peace of mind while exploring new territories on your international motorcycle tour with travel insurance.

Travel insurance provides a safety net that allows you to ride with confidence and peace of mind. It acts as a financial safeguard against unforeseen circumstances such as accidents, theft, or medical emergencies. With the right coverage, you can focus on enjoying your journey without worrying about potential risks.

Get emergency assistance, language support, and medical evacuation services when riding abroad.

One of the key benefits of motorcycle travel insurance is access to emergency assistance services. When you’re in a foreign country where language barriers may exist, having support from your insurer can be invaluable. Whether you need help finding a local repair shop or require translation services during a medical emergency, your insurer will have resources in place to assist you promptly.

In addition to language support, many travel insurance policies also offer medical evacuation services. If you were to sustain a severe injury while riding abroad and needed specialized medical care not available locally, these services would cover the cost of transporting you back home or to the nearest suitable facility capable of providing adequate treatment.

Protect yourself from unexpected costs and emergencies that may arise during international motorcycle touring.

International motorcycle touring comes with its fair share of risks. Accidents happen even to experienced riders, and mechanical breakdowns can occur at any time. Without proper coverage in place, these incidents could result in significant financial burdens.

By investing in motorcycle travel insurance before setting off on your adventure, you protect yourself from unexpected costs associated with accidents or bike repairs. Insurance policies typically cover expenses such as medical bills, bike repairs, and even trip cancellations due to unforeseen circumstances.

Travel insurance can provide coverage for personal belongings that might be lost or stolen during your journey. This ensures that you won’t have to bear the financial burden of replacing valuable items while on the road.

To sum it up, motorcycle travel insurance is a crucial aspect of international motorcycle touring . It offers peace of mind, emergency assistance services, and protection against unexpected costs and emergencies. So before you rev up your engine and set off on your next adventure abroad, make sure you’re adequately covered with the right travel insurance policy designed specifically for motorcycle trips.

Choosing the Right Travel Insurance for Your Motorcycle Adventure

When planning a motorcycle adventure, it’s crucial to consider factors like trip duration, destination, and personal needs when selecting travel insurance. This ensures that you have proper coverage in case of any unforeseen circumstances. Here are some key points to keep in mind when choosing the right travel insurance for your motorcycle tour:

Trip Duration and Destination

Consider the length of your trip and the countries you plan to visit. Different travel insurance policies may have restrictions on the maximum duration of coverage or specific regions they cover. Ensure that the policy you choose aligns with the duration of your motorcycle tour and provides coverage for all the destinations you intend to explore.

Comprehensive Coverage at an Affordable Price

Compare different travel insurance policies to find one that offers comprehensive coverage at an affordable price. Look for plans that include benefits such as emergency medical expenses, trip cancellation/interruption, baggage loss/delay, and personal liability coverage. Assess the limits and exclusions of each policy to ensure they meet your specific requirements.

Specialized Motorcycle Travel Insurance Plans

Consider opting for specialized motorcycle travel insurance plans designed specifically for riders’ unique needs. These plans often offer additional benefits tailored to motorcycle enthusiasts , such as coverage for bike damage or theft, roadside assistance, and protection against accidents related to riding motorcycles.

Medical Coverage

Ensure that your travel insurance policy includes adequate medical coverage during your motorcycle adventure . Look for provisions like travel medical insurance or travel health insurance that cover emergency medical expenses, hospitalization, ambulance services, and repatriation if needed.

Luggage Protection

Protecting your belongings is essential while traveling on a motorcycle tour. Look for a travel insurance policy that provides coverage for lost or delayed luggage so that you can have peace of mind knowing that you’ll be compensated if anything happens to your belongings during your journey.

Compare Policies

Take the time to compare different travel insurance policies before making a decision. Look at the coverage, limits, deductibles, and premiums offered by each policy to find the one that best suits your needs and budget. Consider reading reviews or seeking recommendations from fellow riders who have previously purchased motorcycle travel insurance.

Additional Considerations

• Check if the policy covers pre-existing medical conditions if you have any.
• Assess the level of customer support provided by the insurance company.
• Look for policies that offer 24/7 emergency assistance services.
• Evaluate the claim process and ensure it is straightforward and hassle-free.

Remember, having proper travel insurance is essential for any motorcycle adventure. It provides financial protection and peace of mind so that you can focus on enjoying your journey without worrying about potential risks or emergencies.

Understanding Coverage: Injury, Equipment, and Rental Motorcycles

When embarking on a thrilling motorcycle adventure , it’s crucial to ensure that your travel insurance provides comprehensive coverage. From protecting yourself against injuries sustained in a motorcycle accident to safeguarding your valuable gear and equipment, having the right insurance coverage is essential for riders. Here’s what you need to know about injury coverage , equipment protection, and rental motorcycles when choosing your policy.

Ensure Your Travel Insurance Covers Injuries Sustained in a Motorcycle Accident While Traveling

One of the primary concerns for motorcycle riders is the risk of accidents and potential injuries while on the road. Therefore, it’s vital to select a travel insurance policy that specifically covers injuries sustained in a motorcycle accident. Medical coverage should include expenses related to hospitalization, surgeries, medications, and rehabilitation.

Key Points:

• Look for policies with comprehensive medical coverage that includes emergency medical transportation.
• Check if there are any exclusions or limitations regarding pre-existing medical conditions.
• Ensure that your policy covers both minor injuries and major accidents requiring extensive medical treatment.

Protect Your Valuable Gear and Equipment with Adequate Coverage

As a rider, you understand the significance of your gear and equipment. Whether it’s your helmet, riding jacket, or other accessories, these items are not only essential for safety but also represent a significant investment. Therefore, it’s crucial to choose a travel insurance policy that offers coverage for damaged or stolen personal belongings.

• Opt for policies that provide sufficient compensation for lost or damaged gear.
• Verify if there are any restrictions on specific items or maximum claim limits.
• Keep records of receipts or proof of purchase to facilitate the claims process.

Verify If Rental Motorcycles Are Covered Under Your Chosen Policy

Renting a motorcycle can be an excellent option when traveling to new destinations. However, before hopping onto that rented bike, it’s important to verify if your chosen travel insurance policy covers rental motorcycles. This coverage ensures that you are protected from any liability or damages that may arise while using a rented bike.

• Check the terms and conditions of your policy to confirm if rental motorcycles are included.
• Understand the liability coverage provided for accidents involving a rented motorcycle.
• Ensure that the policy covers both damage to the rental bike and third-party property damage or injuries.

By understanding the importance of injury coverage, equipment protection, and rental motorcycle inclusion in your travel insurance, you can ensure a worry-free and enjoyable motorcycle adventure. Remember to carefully review the terms and conditions of your chosen policy to ensure it aligns with your specific needs as a rider.

Proper Licensing for International Motorcycle Travel

Before embarking on an overseas motorcycle journey , it is crucial to familiarize yourself with international licensing requirements. Ensuring that you possess the necessary licenses to legally ride motorcycles in foreign countries will save you from potential legal troubles and make your travel experience smoother.

Researching specific licensing regulations based on each country you plan to visit during your international motorcycling adventure is essential. Different countries have varying rules and regulations and being aware of these requirements will help you avoid any unpleasant surprises along the way.

Here are some key points to consider regarding proper licensing for international motorcycle travel :

Familiarize Yourself with International Licensing Requirements

Take the time to understand the licensing requirements of the countries you plan to visit. Each country may have its own set of rules regarding motorcycle licenses , including age restrictions, permit validity periods, and specific documentation needed. By familiarizing yourself with these requirements beforehand, you can ensure that you meet all necessary criteria and avoid any issues during your trip.

Possess the Necessary Licenses

Ensure that you possess a valid motorcycle license from your home country before traveling internationally. Many nationalities allow their citizens to use their domestic licenses in other countries for a limited period. However, this may not be the case everywhere. Some countries require an International Driving Permit (IDP) in addition to your home country license.

Research Country-Specific Regulations

Researching country-specific regulations is crucial as each nation has its own unique set of rules. Some countries may require additional permits or certifications beyond an IDP or home country license. For example, certain regions may mandate riders to obtain a local driving license or complete a motorcycle safety course before hitting the road.

Consult Local Authorities or Embassies

If you are uncertain about the licensing requirements for a particular destination, reach out to local authorities or consult your embassy for accurate information. They will be able to provide you with the most up-to-date details regarding licensing regulations, ensuring that you have all the necessary documentation in place before your trip.

Be Prepared for Potential Language Barriers

Keep in mind that language barriers may pose challenges when dealing with local authorities or rental agencies abroad. It’s a good idea to carry translated copies of your licenses and permits, as well as important contact information, to facilitate communication and avoid any misunderstandings.

By adhering to proper licensing requirements for international motorcycle travel, you can ensure a safe and enjoyable journey. Familiarize yourself with the regulations of each country, possess the necessary licenses, and consult local authorities or embassies if needed. With these precautions in place, you can focus on exploring new horizons on your motorcycle adventure.

Staying Safe on the Road: Tips for Motorcycle Riders

Wear appropriate safety gear.

To minimize the risk of injuries while riding, motorcycle riders must wear appropriate safety gear. This includes helmets and protective clothing such as jackets, pants, gloves, and boots. Helmets provide essential head protection in case of accidents or falls, while protective clothing can help reduce the severity of injuries to other parts of the body. By investing in quality safety gear and wearing it consistently, riders can significantly enhance their safety on the road .

Follow Traffic Rules and Stay Alert

Following traffic rules is paramount. Riders should adhere to speed limits, stop at red lights and stop signs, use turn signals when changing lanes or making turns, and yield right-of-way when necessary. Maintaining a safe speed is crucial for both rider safety and the safety of other road users. It’s also important for riders to stay alert at all times by scanning their surroundings for potential hazards such as distracted drivers or pedestrians.

Regularly Inspect Your Motorcycle

Regular motorcycle inspections are vital for ensuring safe rides. Before each journey, riders should inspect their bikes thoroughly to identify any potential issues that could lead to breakdowns or accidents. This includes checking tire pressure and tread depth, testing brakes and lights, examining fluid levels (such as oil and coolant), and ensuring that all components are securely fastened. By performing these routine checks and addressing any maintenance needs promptly, riders can minimize the risk of unexpected mechanical failures on the road.

Perform Necessary Maintenance

In addition to regular inspections, motorcycle owners must perform necessary maintenance tasks as recommended by manufacturers. This may include oil changes, filter replacements, chain adjustments or lubrication, spark plug replacements, and brake pad inspections/replacements. Following a proper maintenance schedule helps ensure that motorcycles remain in optimal condition for safe operation. Neglecting maintenance can lead to decreased performance, increased risk of breakdowns, and potential safety hazards on the road.

Stay Prepared for Emergencies

Even with all the precautions in place, emergencies can still happen. Motorcycle riders should always be prepared for unexpected situations by carrying essential items such as a first aid kit, tool kit, spare parts (such as fuses or bulbs), and a mobile phone for emergency communication. It’s also advisable to have a basic understanding of motorcycle repair techniques in case minor repairs are needed on the road. Being prepared can help riders handle unforeseen circumstances efficiently and minimize disruptions to their journey.

Enjoying Peace of Mind with Motorcycle Travel Insurance

Motorcycle travel insurance is an essential investment for riders who want to enjoy their trips without the worry of unexpected expenses. By having adequate coverage, you can protect yourself financially from medical emergencies, trip cancellations, or lost belongings. Here’s why motorcycle travel insurance is a must-have for any rider.

Focus on the Experience, Not the Problems

When you’re out on the road motorcycling through breathtaking landscapes or exploring new destinations, the last thing you want is to be preoccupied with potential mishaps. With motorcycle travel insurance, you can have peace of mind knowing that if anything goes wrong, you’re covered. Whether it’s a minor accident or a major health issue, your insurance policy will take care of the expenses so that you can focus on enjoying your ride.

Protect Your Finances

Medical emergencies can happen at any time and in any part of the world. Without proper insurance coverage, these unforeseen events can quickly drain your bank account. Motorcycle travel insurance ensures that you are protected financially in case of accidents or injuries during your trip. It covers medical expenses, hospitalization costs, and emergency evacuation if needed. By investing in a good insurance policy, you won’t have to worry about hefty medical bills ruining your riding experience.

Trip Cancellations and Lost Belongings

Imagine this: You’ve planned an epic motorcycle journey across different countries for months. But just days before departure, something unexpected happens – maybe a family emergency or sudden illness – forcing you to cancel your trip. Without travel insurance, all those non-refundable bookings and reservations would go down the drain along with your dreams of adventure.

However, with motorcycle travel insurance in place, you’ll be reimbursed for prepaid expenses if your trip gets canceled due to unforeseen circumstances like illness or injury. If your luggage gets lost or stolen during transit or while staying at a hotel, your insurance policy will cover the cost of replacing those belongings. This means you can continue your journey without missing a beat.

Choosing the Right Insurance Provider

There are several reputable providers to choose from. Take the time to research different insurance companies and compare their policies, coverage limits, and prices. Look for providers that specialize in motorcycle travel insurance, as they understand the unique needs of riders. Reading reviews and checking customer complaints can also give you insights into the quality of service provided by different companies.

In conclusion, motorcycle travel insurance is an essential investment for riders embarking on adventurous journeys. The coverage options available provide peace of mind and financial protection against unforeseen circumstances. With the benefits of international motorcycle touring and the understanding of coverage for injuries, equipment, and rental motorcycles, riders can confidently explore new horizons.

Choosing the right travel insurance is crucial to ensure comprehensive protection throughout your motorcycle adventure. Proper licensing for international travel is also important to adhere to local regulations and avoid any legal complications. By following safety tips on the road and enjoying the peace of mind that comes with motorcycle travel insurance, riders can focus on their journey without worrying about potential mishaps.

To fully enjoy your motorcycle travels worry-free, consider investing in a reliable motorcycle travel insurance policy today. Protect yourself from unexpected accidents or emergencies that could otherwise derail your trip and incur significant expenses. Don’t let unforeseen events ruin your adventure – secure your peace of mind with comprehensive coverage tailored specifically for motorcycle enthusiasts.

What does motorcycle travel insurance cover?

Motorcycle travel insurance typically covers medical expenses in case of injury or accident while riding, theft or damage to your bike or equipment, trip cancellation or interruption due to unforeseen circumstances, emergency medical evacuation if needed, and liability coverage in case you cause damage or injury to others while riding.

Can I purchase motorcycle travel insurance if I have pre-existing medical conditions?

Yes, some insurers offer policies that cover pre-existing medical conditions; however, it’s essential to disclose all relevant information during the application process. Depending on the severity of your condition, there may be limitations or exclusions regarding coverage related to those specific conditions.

Is motorcycle travel insurance only valid for international trips?

No, depending on the policy you choose, motorcycle travel insurance can provide coverage both domestically and internationally. It’s important to review the terms and conditions of each policy carefully to understand the extent of coverage and any geographical limitations.

Can I get coverage for rental motorcycles?

Yes, many motorcycle travel insurance policies offer coverage for rental motorcycles. This can include both liability coverage and protection against theft, damage, or loss of the rented bike.

How much does motorcycle travel insurance typically cost?

The cost of motorcycle travel insurance varies depending on factors such as the duration of your trip, your age, the destination(s), and the level of coverage you choose. It’s advisable to obtain quotes from different insurers to compare prices and find a policy that suits your needs and budget.

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Cover for emergency medical and repatriation costs in the event of an accident on a motorcycle when touring overseas

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Touring Travel and Repatriation Insurance

There are few pleasures greater than touring overseas on a motorcycle, with your panniers bursting at the seams and a twisty mountain route programmed into the sat nav.

There's a hell of a lot of preparation to do before you set off for the chunnel or ferry terminal, however at the very top of your list should be motorcycle holiday insurance - touring travel and repatriation insurance that specifically caters for riding motorcycles over 125cc (a common exclusion on 'normal' travel insurance policies).

Not only should it be your top priority, it should be the first thing you purchase after booking your channel crossing tickets(or flights if you’re going further afield)... Why?

Because it doesn't just protect you from the costs of emergency medical and repatriation, it can also reimburse you for some of your costs if the trip gets cancelled, i.e. something unplanned happens before you set off that prevents you travelling. So remember the words of Martin Lewis from Money Saving Expert... "As soon as you book" (ASAB)!

Motorcycle Touring Insurance can cover you for:

• Up to £3,000 cancellation cover (specific reasons only)
• Up to £10,000,000 of Emergency Medical Costs (reduces to £250k for trackdays)
• Up to £100,000 of Emergency Repatriation Costs
• Up to £1,000 if the only qualified or competent rider is taken ill, or is unfit or unable to ride (or if you cannot use your motorcycle for more than 8 hours)
• A contribution towards damaged bike clothing your motorbike riding gear if it is lost, stolen or damaged in an accident

Buy Touring Travel Insurance online with instant cover BEFORE you set off

It's important to fully understand the cover you’re getting and go through the medical screening questions if you have pre-existing health conditions. If you don't declare your previous medical history, it could leave you in trouble with costs that aren’t covered if you get sick.

Quotes and Sales Line: Open 8:30am-6pm Monday-Friday, 8:30am-4pm Saturday

You can buy Touring Travel Insurance online 24 hours a day by clicking the button below. Motorcycle touring is covered as standard (even if you’re going off-road Charlie Boorman style), there are also options for trackdays and motocross if you plan on something more extreme.

Remember to complete the medical screening questions honestly and accurately to ensure your policy covers you for any pre-existing medical conditions.

More Information About Repatriation Insurance

We have more detailed information that can answer many of your in-depth questions (see the linked articles and FAQs below), however the following points should help answer the quick and easy questions...

Quick Reference Guide:

• Choose Gold Cover (£10m medical limit) or Silver Cover (£5m medical limit)
• Emergency repatriation is covered up to £100,000
• Other travel insurance benefits are included like cancellation cover (so buy this policy early) and things like lost luggage or passports
• You can buy Single Trip or Annual Multi Trip cover (the maximum age for Multi Trip is 66 whereas Single Trip is a maximum age of 75)
• Buy cover BEFORE you travel and for the whole duration of your motorcycle holiday
• You must have been a UK resident for at least 6-months (and still live in the UK) registered with a GP surgery
• You need to have a UK driving licence that covers you for the class of bike you are riding
• You need to wear an approved motorcycle helmet

For full information about this policy you can read the Insurance Product Information Documents (IPID) and full Trackday Repatriation Policy Documents .

Motorbike Touring Travel Insurance FAQs

Do BeMoto do travel insurance?

Yes, BeMoto offers travel insurance for bikers who want to tour in Europe, take part on overseas trackdays or off-road riding (whether that's Enduro, Motocross or cross-country adventure riding).

Most normal travel insurance policies exclude cover for riding large capacity motorbikes overseas, in other words they'll cover you for riding a 50cc moped or 125cc scooter but nothing more, so if you decide last minute to jump on a quad tour or hire a cruiser for the day you may not be covered for emergency medical and repatriation costs unless you buy specialist cover like ours.

BeMoto Travel and Repatriation Insurance (often known as "Repat") is also widely used for Euro trackdays and dirt bike holidays, including amateur racing events if you choose the additional options/packages on our policy - no cover is available for professional racing overseas.

Is it BeMoto who deal with the Travel Insurance and Repatriation claims?

No. BeMoto does not handle travel claims. The insurer has appointed CEGA Assistance to handle claims, including 24/7 emergency medical assistance and non-emergency claims. It is important to call CEGA Assistance on the number in the table above as soon as possible if any medical expenses are likely to exceed £500 or if you are admitted to hospital.

We can’t risk being a middleman delaying the process of getting you vital emergency treatment and we certainly don’t have specialist medical claims handlers, relationships with hospitals and medical experts or a team of foreign language speakers...

You, or someone in your party, should always call the CEGA 24 hour emergency assistance team on +44 (0) 1243 621 501 as soon as possible to get the insurer involved to ensure (a) you are taken to the most appropriate public/state medical facility and (b) it’s better if they agree treatment with the hospital in advance, where practical or possible, to avoid you committing to things they won’t agree to pay for.

For non-emergencies the CEGA general claims number is +44 (0) 345 258 7172 . Open Monday to Friday 8am to 6pm (closed at the weekends).

Clearly if you’re unconscious or in no fit state to make phone calls then that may mean calling them later, at the earliest possible opportunity. If you wind up in a private hospital through no fault of your own, the insurer reserves the right to move you to a public/state hospital at an appropriate time (being careful not to risk your recovery).

NEVER provide your payment card details to a hospital or clinic.

What's the difference between a "Repat" policy and my GHIC card?

EEA member states are obliged to treat UK citizens showing a European Health Insurance Card (EHIC) or a Global Health Insurance Card (GHIC), however in some cases (for example hazardous sports injuries) EHIC/GHIC is sometimes rejected by the hospital – rightly or wrongly - or it may only cover part of the costs. That’s why travel and repatriation insurance is required for overseas trackdays and off-road riding, even at public hospitals the bills can quickly rack up.

Significantly neither does the EHIC or GHIC get you repatriated home (where medically necessary and safe to do so) or where necessary repatriate one other person who is required for medical reasons to stay with you.

Remember repatriation can be very costly, for example if you can't safely travel in a normal plane seat, or the airline won't accept the risk of travelling without medical supervision for the journey. BeMoto Emergency repatriation cover is on top of the medical limits (£100k limit alive, or £50k in a body bag).

In some cases insurers have paid for relatives to fly out, including accommodation, to support customers when stranded overseas whilst receiving treatment. Again an EHIC or GHIC card won't provide this kind of support when needed.

Find out more about the GHIC here (please note residents of the Isle of Man or the Channel Islands are not eligible): Travelling Outside the EEA (NHS page)

Note: Make sure you answer all medical questions honestly and accurately when buying any travel insurance policy. Pre-Existing conditions will always be excluded unless declared and accepted by the insurer (sometimes for additional premium). Ensure you buy the cover whilst still in the UK, before you leave, and it must cover the whole duration of your trip.

Does Repatriation Insurance cover private hospital treatment?

BeMoto Repatriation Insurance is a travel insurance policy (not private medical insurance). It's intended to cover emergency medical and repatriation costs, and much like with the NHS, you'd be expected to go to the local emergency department, if medically capable public facilities are available.

However, the insurers do understand that if you have an accident, e.g. whilst participating in a track or off-road event, you will be taken to the nearest appropriate medical facility, which could be public or private for initial treatment and assessment.

If you are admitted to a private facility, c all the Emergency Assistance Helpline as soon as possible and the insurers assistance team will advise what options are best for you.

Never give a private hospital your payment information, and don't agree to any costs without prior authorisation from the insurer. Once the insurer has agreed to treatment, they will deal with any requests for payment from any private facility, so you should resist any request from them to make payment.

What's the issue with private hospitals?

Travel insurance policies generally exclude medical treatment in private facilities (unless absolutely necessary and pre-authorised).

Just like in the UK, private hospitals may not be equipped to deal with accident and emergency admissions, or have the range of staff needed to provide such treatment, investigation and care.

As businesses, private hospitals also exist to make profit and are often unregulated with less frequent inspections compared to public/state facilities. This means that private hospitals have been known to over-treat, delay treatment or discharge, over-inflate costs and allegedly have been known to claim for treatment that never actually happened (ever wondered why you need multiple scans or had to stay longer than necessary?).

Be aware that some hospitals provide private ambulances or encourage taxi's to ensure you end up in their clinics, which if you're not careful can lead to you being trapped in their care with large bills to pay.

However, we appreciate that some countries, even within the EEA, do not offer the same high standard of care we are used to with the NHS, plus the language barrier can be daunting when you're on your own in a foreign hospital. Research the local facilities in advance and make sure you call the emergency assistance team at the very earliest opportunity.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Travel Insurance For Motorbike Holidays

Scooter, motorbike, moped, vespa – the choices are endless when choosing a two-wheeled ride for your overseas holiday. Riding any sized motorcycle can be a thrilling way to travel. These chariots of the people offer the ultimate feeling of freedom, independence and affordability.  The compact nature makes parking a breeze, allows flexibility in how long you stay and you can zoom off with very little fuss. You're not tied to a schedule of rushing from A to B, squeezing onto uncomfortable public transport or stressing about the holes in your pocket from paying for expensive cabs. You can make your own path and go at your own pace...with the added bonus of looking pretty cool.

But Will My Travel Insurance Cover Me While Riding A Motorbike Overseas?

In short, it depends upon your licence and the engine capacity of your ride.   Lucky for you, it's a road well travelled and one that we know well. We've done the miles to ensure that you're in the know when it comes to cover while exploring the world on two wheels. Whether you're planning to leisurely hire a scooter for a day here and there, or you're planning to saddle up on a fully kitted BMW GS for a ride on the wild side, there’s cover out there for you.

• Some insurers do not require you to have a motorcycle license if riding a low capacity engine and will cover you for a bike 50cc - 125cc.  
• Others have maximum engine size limits which you’re only insured to ride - irrespective of what your license says (keep reading to find out who-covers-what when it comes to muscle power)  
• And some cover you for whatever engine size you ride as long as you're licenced to do so in Australia.  

**Click on the plus icon to see more detail**

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.

Licensed To Thrill

If you're travelling to a foreign country make sure you get your International Drivers Permit (IDP) - preferably before you leave! This allows you to drive or ride the same class of vehicle you are permitted to ride in your home country. So, if you are NOT covered to ride a motorcycle or scooter in Australia, you are not permitted overseas. It's strange how we tend to throw caution to the wind when on holiday. With absolutely no training or experience riding a motorbike or scooter at home, many of us seem to think we'll master the skills on the spot in a foreign country.

You can apply for an IDP overseas, but make sure you're ticking the right boxes. You may be able to fool the traffic cop in Thailand that you have a motorcycle licence, by 'ticking-the-box' when you got your IDP, but it won't cut the mustard with your travel insurance company. If you DO have a valid motorcycle license, be thrilled! Your licence will be accepted in over 150 countries including Bali, Indonesia, Laos, and Thailand.

Venturing To Vietnam?

If you will be riding a motorcycle in Vietnam over 50cc, then you must obtain a temporary Vietnamese drivers license. To convert an Australian driving license into a temporary Vietnamese driver's license, you must hold a valid Vietnamese residence permit of at least three month's validity. Visit the website of the  Australian Embassy  for full details on how to apply for a Vietnamese drivers license.  Be aware that only IDPs under the 1968 Convention are accepted in Vietnam. The Australian Government signed the  1949 UN Convention  so if you hold an Australian issued IDP, you must obtain a temporary Vietnamese drivers license. Learn more about Vietnam motorbike licenses here . 

What's Not Covered?

Even with the cover offered, exclusions still apply. You are not covered:

• If you are racing and intentionally putting yourself at risk Any time you intentionally put yourself in danger such as using your bike for jumps, stunts and tricks and injure yourself (especially if you are not wearing a helmet at the time) you are unlikely to be covered.  
• For motorbike theft or damage Whether owned, borrowed or rented, most insurers do not cover the bike.  If it's your own bike, it should be covered under your own motorcycle insurance.  If it's a hire bike, the rental company is likely to have insurance built into your daily hire cost or charge you an additional premium to cover it.   
• For competitive or professional riding Competitive riding of any sort is generally not covered under standard travel insurance policies.  
• For motorbike rental excess cover Whether you're renting a Vespa in Italy, a motorbike in Vietnam, or a scooter in Bali, you are unlikely to be covered for the rental vehicle excess.  Although travel insurance often covers rental vehicle excess, this generally does not extend to two-wheeled modes of transport. If you hire an expensive bike and it gets damaged, unfortunately, your travel insurance will not cover the excess.  
• If you do not follow the rules of the road Always follow road signs including traffic lights, stop signs and give ways.  
• If you are under the influence You would not be covered if you were drunk driving and had an accident while you were under the influence of alcohol or drugs.  
• If you do not wear a helmet No travel insurance company is likely to cover you if you incur injuries when you were not wearing a helmet.  This will usually form part of the terms & conditions outlined in their policy wording. Also, despite many locals not taking notice, it is the law for motorcyclists to wear a helmet while riding in certain countries such as  Bali , Cambodia,  Thailand,   and Vietnam .

Finally, contact your travel insurance provider before you purchase travel insurance for your motorbike holiday if you're uncertain about the policy details.  Some insurers will automatically provide cover for riding a motorbike, whereas others will require you to add it to your policy and pay an additional premium to be covered.  When riding motorbikes or scooters overseas you are taking risks with both your health and your money so it pays to take a few minutes to make that short phone call to clarify any concerns.  Don't just settle for the first or the cheapest policy you find, do your research and  compare quotes  and cover levels for your next holiday.

Perhaps all that muscle power is too much for you. Taking out cycling travel insurance for your pushbike shouldn't give you whiplash either. Ride easy with our  cycling travel insurance essential guide. Quad biking & recreational all-terrain vehicles (ATV) are popular activities or modes of transport for certain holiday destinations.  For example, quad biking over sand dunes in Australia, touring rice fields in Bali, getting around a large resort or even as road transport on an island in Greece. If you're planning on getting in the saddle of an all-terrain vehicle, be sure to check your policy before purchasing as many insurers exclude quad bikes.  A few insurers will provide cover if you pay an additional premium for an adventure pack add-on.  

Motorbike Travel Insurance FAQs

Does travel insurance cover riding scooters and motorbikes overseas.

Yes, most travel insurance policies will cover you to ride a motorbike or be a pillion passenger . However, each insurer has different conditions about engine classes and licence requirements - so check the summary table above and your policy documents to make sure that your policy works for you and your circumstances. Some insurers require you to pay an additional premium for scooter cover and others automatically include it. Be sure to wear a helmet.

Can I ride a scooter or motorbike in Bali without an Australian motorbike licence?

Generally speaking, to be covered for riding a motorbike, most insurers will require you to have either an  Australian motorbike licence, or a local motorbike licence - but check your insurer's policy documents, as some insurers require you to have both. If you only have a car licence, some insurers will cover you to ride scooters of 50cc or less.

Am I covered medically if I ride a motorcycle while overseas?

Many travel insurers automatically cover you to ride a motorcycle overseas, provided that you're wearing a helmet and have the correct licence and engine class according to their policy terms. Check out our table above to find motorcycle travel insurance that might work for you and your circumstances.

Will my travel insurance cover damage to my motorcycle overseas?

While most travel insurance policies will cover you while riding a motorcycle (provided that you meet their conditions), they generally don't cover any damage to a rental motorbike or a motorcycle that you own. So if that's something you're looking for cover for, check your policy terms before you buy.

I don't have a motorbike license - can I still ride a scooter or motorbike overseas?

Some travel insurers will allow you to ride a scooter of less than 50cc or so if you have an Australian car licence. Check the above table and your policy documents or call your insurer to ask about their scooter or motorbike coverage .

Am I covered for personal liability while riding a motorbike overseas?

Most travel insurance policies do not offer personal liability coverage while you're operating a vehicle.

Do I need to wear a helmet when riding a motorbike?

Yes, absolutely. Whether it's a cute Vespa or a classic Harley, virtually all travel insurance policies require you to be wearing a helmet to be covered. Just as it is in Australia, it is compulsory to wear a helmet while riding a motorbike in Cambodia, Thailand and Bali

Hayley Kennedy

Originally from the UK, Hayley took a gap ‘year’ in 2011… and it’s still going! She’s travelled all over the world, volunteering in a Ugandan orphanage, skydiving in Australia, shark diving in South Africa, and skiing in the Alps (and snapping in a ligament in the process!). Certified in Tier 2 General Insurance General Advice and working in travel insurance for over two years, Hayley is a thrillseeker and a storyteller who loves hearing about customers’ holiday plans and sharing her own tips and must-see spots to help get them inspired.

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Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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June 1, 2020

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How to Buy Travel Insurance for Motorbike Riders to Vietnam? A Guide

You can plan months – or even years – ahead before the due date for your Vietnam motorcycle tours , double-checking every item and document to ensure nothing is amiss. And yet, it takes just one road accident to crush the dream trip you have spent so much effort preparing for! 

That’s why learning how to buy travel insurance for motorbike riders to Vietnam is important. Keep scrolling to learn more critical tips from our team members.

How to buy Travel Insurance for Motorbike Riders to Vietnam? A Full Guide 

1. Types of Insurance

Remember that not every travel insurance plan has the same coverage. We used to go in with that assumption, only to discover at least five different kinds of insurance available for motorbikes on the marketplace.

Assessing all aspects you prioritize the most during a motorbike tour can help quite a lot in deciding which investment is right for you.

a. Medial Insurance

These services offer health insurance to ensure 100% of your safety even when far from home. 

From a certain perspective, such travel insurances are not that much different from a traditional health plan, except for one thing: they cannot be applied to routine medical treatment (ex: our team members had to pay for all of our routine health checkups). 

Plus, note that coverage limitations and certain condition exclusions are also present. 

Another important reminder: adventure sports or organized sporting competitions do not receive much support in these plans, either. 

A pity, since competitive sports are almost an integral part of our motorcycle tours. We had to keep an eye out for special travel policies back then. 

b. Trip Delay, Interruption, and Cancellation

Cancellation coverages reimburse you for nonrefundable, prepaid expenses if the trip has to be canceled for one of the following reasons (outlined clearly in the insurance’s policies), such as: 

• The operators of the motorbike tour go bankrupt 
• Your illness
• Illness/ death of your family member 
• Natural disasters

Meanwhile, trip interruption insurance cover all nonrefundable costs for the rest of your (unused) trips if they are cut in due to reasons specified in the policies. 

And delay coverages help handle expenses like meals and lodging in the face of unwanted trip delays (ex: the motorbike ride is called off because of bad weather).

Many policies have all these three covered. Some travel insurance providers offer special coverage layers at a higher cost – such as the “Canceled for any reasons” option that recovers a huge part of your trip regardless of why you backed out. 

Other travel insurance companies are even willing to help cover pre-existing/current conditions if the tour cancellation is due to medical reasons. 

Please note that all these insurances differ from cancellation waivers offered by tour operators and cruise lines. 

The latter is cheaper (40$ to 60$) with numerous restrictions: by illustration, our team could not receive any refund as the trip was canceled right before departure. Technically, waivers should never be considered insurance policies. 

c. Bagging/ Personal Belongings

Lost luggage insurance, just like their name suggests, reimburses for personal belongings and baggage that might be damaged, stolen, or lost during trips. 

While that is great, remember these benefits might overlap with some of your pre-existing insurances (in my case, it’s the homeowners/renters insurance). 

Hence, we suggest carefully reviewing your current insurance policies to assess their coverage levels. That way, you won’t have to pay a fortune for services you already own. 

d. Emergency Medical Help / Repatriation/ Evacuation

Another coverage that is greatly appreciated by some of our new team members, as it tackles medical expenses and emergency assistance in the light of injuries/ sudden sickness during the trip. 

One of our fellows fell seriously ill due to food poisoning and didn’t have to shoulder any fee for emergency assistance, medical evacuation (transportation to the closest hospital) and repatriation (taking him back to his country of residence). 

View more: The best Ha Giang motorbike tours 2023-2024

e. 24/7 Assistance

The insurer offers a 24/7 hotline that lets you call whenever extra help is needed (finding lost items, locating a lawyer or doctor, etc.)

However, the specific services differ across travel insurers. Some deliver concierge services and restaurant referrals, while others research trip information (ex: required vaccinations or COVID-19 treatment). 

There’s no way you can find a one-size-fits-all guideline in this regard; the best solution is to read their policies yourself. 

2. Factors That Decide The Total Insurance Cost

The total sum you have to pay will fluctuate depending on these critical aspects:

• The trip’s cost and length: The longer/ more expensive your tour is, the higher your insurance will cost. 
• Local healthcare costs: High healthcare costs at your destination may also drive the insurance price. (we went to the South of Vietnam a couple of times last year, and the fees for even the most basic medical services there shocked us to our core). 
• Medical conditions that you need coverage for: Diseases/conditions you and your team members already have will raise the insurance charges. 
• Breadth and amount of coverage: More risks covered by the policy mean higher charges. 
• Age: Older age equals higher prices
• Optional supplement : Extra fees are expected for premium options (ex: Canceled/Interrupted for any reasons). 

3. Recommended Motorcycle Insurance Providers for Your Vietnam Trips

We have had a handful of experiences with travel insurance for motorbike tours to Vietnam – and here are some of the best, most trustworthy names, in our opinion. Sure, the charges might be a bit more demanding than most other popular options, but their safety is undisputed: 

• Allianz Travel
• World Nomad

Tips to Avoid Accidents and Mishaps On Your Day Bike Trip

Insurance can settle all our worries before embarking on any adventure activity. That said, relying on them for undue sickness, vehicle collisions on mountain roads, etc., is the last thing we ever want. 

View more: Vietnam offroad motorbike tours 2023-2024

Remember these important tips for a safe, fun trip: 

• Service the bike before you go
• Plan your routes ahead to avoid crazy traffic and blind corners
• Sleep early the day before the tour
• Secure your belongings/ luggage tightly
• Comply with traffic rules; do not exceed the speed limit

Deciding on a travel insurance policy is a decision as headache-inducing as the motorbike trip itself. 

But no worries; keep in mind our tips on how to buy travel insurance for motorbike riders to Vietnam, and you are good to go. Reach out to us if you want more help!

What riders have said about Vietnam Motorcycle Tours on Tripadvisor !

Everything you need to know about motorcycle rental in Phuket

P huket is a popular tourist destination in Thailand, known for its stunning beaches, vibrant nightlife, and rich cultural heritage. Exploring the island's hidden gems on a motorcycle is an exciting and convenient way to experience everything Phuket has to offer. Whether you're a seasoned rider or a novice, motorcycle rental in Phuket is a popular choice among travelers looking for freedom and flexibility. You will also want to make sure that you use motorcycle accident lawyer in st louis, mo if you need any help.

With its wide range of rental options, Phuket offers motorcycles for every preference and budget. From sleek scooters to powerful sports bikes, you'll find the perfect two-wheeled companion for your adventures. Rental companies provide well-maintained motorcycles that are regularly serviced to ensure your safety and comfort. Additionally, they offer helmets, maps, and other accessories to make your ride more enjoyable.

Before hitting the road, it's important to familiarize yourself with the rules and regulations of motorcycle rental in Phuket. To rent a motorcycle, you'll need a valid international driving permit or a Thai driving license. It's crucial to wear a helmet at all times and obey the traffic laws. Keep in mind that Thai traffic can be chaotic, so riding defensively is essential for a safe and enjoyable trip.

Exploring Phuket on a motorcycle allows you to discover hidden beaches, visit local markets, and explore the island's lush jungles at your own pace. Feel the wind in your hair as you ride along the picturesque coastal roads, stopping whenever you please to take in the breathtaking ocean views. With a motorcycle, you can easily navigate through the island's busy streets and avoid the traffic jams that often occur during peak tourist season.

Whether you're embarking on a solo adventure or traveling with a group, bike rental Phuket offers the freedom to create your own itinerary and explore the island on your terms. So why wait? Rent a motorcycle in Phuket and embark on an unforgettable journey filled with adventure, freedom, and the thrill of the open road.

The Best Motorcycle Rental in Phuket: Your Ultimate Guide

If you're planning a trip to Phuket and want to explore the island in a convenient and exciting way, renting a motorcycle is the perfect choice. With so many rental options available, it can be overwhelming to choose the best one. That's why we've created this ultimate guide to help you find the best motorcycle rental in Phuket.

When looking for a motorcycle rental, there are a few key factors to consider. Firstly, you want to ensure that the rental company has a wide selection of motorcycles to choose from. Whether you're a beginner or an experienced rider, having options will allow you to find the perfect bike for your needs.

Next, it's important to consider the reputation of the rental company. You want to rent from a trusted and reliable provider that has a track record of excellent service. Look for reviews and recommendations from fellow travelers to get a better understanding of the company's reputation.

Price is also a crucial factor to consider when choosing a motorcycle rental. While you don't want to compromise on quality, you also don't want to break the bank. Look for a rental company that offers competitive pricing and transparent fees.

Additionally, safety should be a top priority when renting a motorcycle. Ensure that the rental company provides well-maintained bikes with regular servicing and reliable brakes. Don't forget to ask for a helmet and any other safety equipment that you may need.

Lastly, you want to choose a rental company that offers excellent customer service. Friendly staff who are knowledgeable about the area can provide you with valuable tips and recommendations for your trip. Look for a company that is responsive and attentive to your needs.

By considering these factors, you'll be able to find the best Phuket motorbike rental that meets all your requirements. So, get ready to hit the road and explore the stunning beaches and scenic roads of Phuket on your rented motorcycle!

Why Renting a Motorcycle is the Best Way to Explore Phuket

Phuket is a stunning island in Thailand, known for its beautiful beaches, vibrant nightlife, and rich cultural heritage. With so much to see and do, exploring the island is a must for any traveler. While there are various transportation options available, renting a motorcycle is by far the best way to truly experience all that Phuket has to offer.

Freedom to Explore

When you rent a motorcycle in Phuket, you have the freedom to explore the island at your own pace. You are not bound by the schedules and routes of public transportation or tour groups. You can easily navigate through the bustling streets and winding roads, stopping wherever and whenever you please. Whether it's discovering hidden beaches, visiting cultural sites, or simply taking in the breathtaking views, a motorcycle allows you the freedom to go wherever your heart desires.

Convenience and Flexibility

Renting a motorcycle in Phuket is incredibly convenient and flexible. There are numerous rental shops throughout the island, making it easy to find a bike that suits your needs. Additionally, motorcycles are compact and easy to park, allowing you to explore even the narrowest streets and crowded areas. With a motorcycle, you can easily plan your own itinerary, choosing which attractions to visit and how long to spend at each one. You have the flexibility to change your plans on a whim, without having to rely on public transportation schedules.

It's important to note that renting a motorcycle in Phuket comes with certain responsibilities. You must have a valid driver's license and experience driving a motorcycle. It's also crucial to familiarize yourself with local traffic laws and regulations to ensure your safety and the safety of others. Wearing proper safety gear, such as a helmet, is a must. By adhering to these guidelines, you can enjoy all the advantages of renting a motorcycle without any major inconveniences.

In conclusion, renting a motorcycle is the best way to explore Phuket. It offers the freedom to discover the island at your own pace, along with the convenience and flexibility to create your own itinerary. With a motorcycle, you can easily access remote areas and hidden gems that may be overlooked by other forms of transportation. Just be sure to follow the rules of the road and take necessary safety precautions. So, hop on a bike and get ready for an unforgettable adventure in Phuket!

What You Need to Know Before Renting a Motorcycle in Phuket

Renting a motorcycle can be a great way to explore Phuket and discover its hidden gems. However, before you hop on a bike and hit the road, there are a few important things you need to know:

1. License Requirements

In order to rent and drive a motorcycle in Phuket, you need to have a valid driving license. This can either be a Thai driving license or an international driving permit (IDP). It's important to note that an IDP is only valid if accompanied by your original driving license from your home country. Make sure to bring both documents with you when renting a motorcycle.

2. Safety Measures

Wearing a helmet is mandatory in Phuket, both for the driver and the passenger. Make sure to check that the rental agency provides helmets that fit properly and are in good condition. Additionally, it's important to always follow traffic rules and drive defensively, as roads in Phuket can be busy and chaotic.

3. Insurance Coverage

Before renting a motorcycle, it's crucial to understand the insurance coverage provided by the rental agency. Most rental companies offer basic insurance coverage, but it may not cover all types of accidents or damages. Consider purchasing additional insurance or travel insurance to ensure you have adequate coverage during your rental period.

Furthermore, carefully read and understand the rental agreement, including any terms and conditions related to damages, theft, or accidents. It's advisable to take pictures of the motorcycle before renting it to document any existing damages.

4. Rental Rates and Deposit

Compare rental rates from different agencies and choose one that suits your budget and needs. Keep in mind that rates may differ depending on the duration of the rental and the type of motorcycle. Additionally, be prepared to leave a deposit when renting a motorcycle. The deposit amount varies among rental agencies but is usually refunded upon returning the motorcycle in good condition.

5. Familiarize Yourself with the Motorcycle

Before setting off on your adventures, take the time to familiarize yourself with the rented motorcycle. Adjust the mirrors, test the brakes, and make sure you know how to operate all the controls. If you are not experienced in riding a motorcycle, it may be beneficial to take a short practice ride in a less crowded area to build your confidence.

Renting a motorcycle in Phuket can offer a thrilling and convenient way to explore the island. However, it's important to prioritize safety and be well-informed before heading out on the road. By understanding the license requirements, safety measures, insurance coverage, rental rates, and familiarizing yourself with the motorcycle, you can have a safe and enjoyable experience discovering all that Phuket has to offer.

The post Everything you need to know about motorcycle rental in Phuket appeared first on Sunny Sweet Days .

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The one question asked about insurance, obviously at this moment in time I haven't done my travel insurance so i said no. Part of me worries that by saying no, they may reject my application? Does anybody know?

Also, Our flight arrives fairly late (9:45pm) on the evening and we land at domodedovo, but have to get to the holiday inn suschevsky. Will it be easier to get a private hire, or will traffic still be a nightmare?

Hope you can help!

> Part of me worries that by saying no, they may reject my application? Does anybody know?

As far as I know (not an expert though) the insurance is not a requirement for UK visitors.

> Will it be easier to get a private hire

Easier than what?

> or will traffic still be a nightmare?

Ah sorry, should have been more specific, will a private hire be easier than the subway.

Well reading terms and conditions of the hotel through expedia.. "room reserved until midnight"

Thanks for help on the other question.

> will a private hire be easier than the subway

Of course it will - any place, any time, that's why it costs more. And in your case (5 people), not even that much more than 5 Aeroexpress tickets, even considering that you'll need a mini-van to carry 5 people.

If it's paid for then you're safe - you might want to write to them and tell them you might arrive late though.

insurance is not mandatory for UK passport holders

This topic has been closed to new posts due to inactivity.

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Rent a Car in Moscow and other Russian Cities

Driving in Russia is very cheap: the petrol costs only about 60 ¢ per liter (€2 per gallon), the infrastructure is relatively good, and there's almost no road toll charges, so it's a great way to explore the country, especially if you're two or more.

In order to rent a car in Russia you just need your driving license (the plastic card one), a credit card, and your passport — no extra paperwork is needed (you don't even need a translation).

The insurance excess and security deposits are usually limited to about €200, and the daily rent is about €20 for a standard car and €30 for an SUV. We've partnered with the two biggest car rental aggregators, so you can use the form below to find the best car rental deals for Moscow, St. Petersburg and other Russian cities from major local and international providers, such as Hertz, Europcar, Avis and others.

Option #1: RentalCars.Com

Option #2: cartrawler.

Use this aggregator if you're renting a car for a longer period — two weeks and more — or if you're renting a car in Siberia.

Option #3: Car Sharing

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