3Likes
-
3
Post By AnTyx
|
28 Sep 2022
|
Registered Users
New on the HUBB
|
|
Join Date: Sep 2022
Location: Scotland. Currently in Southern Turkey (15/12/22) en route to Cyprus
Posts: 2
|
|
Motorcycle luggage & equipment insurance
Hi there, very new to this website so just getting up to speed with it all. I'm leaving Scotland end of October 2022 to travel overland on my T7 towards India then onto Laos, Cambodia & Vietnam.
I'm looking for advice/guidance on where other travellers have obtained insurance for their luggage and equipment.
If you're able to help me that would greatly appreciated.
Thanks
Guy
|
29 Sep 2022
|
Contributing Member
Veteran HUBBer
|
|
Join Date: Jan 2016
Location: Tartu, Estonia
Posts: 1,105
|
|
The question is how/whether you obtain travel insurance for the entirety of the trip to begin with. If you have travel insurance that will cover a trip of this magnitude AND expressly allow riding a large motorcycle (a frequent small-print exclusion), then the contents of your panniers will be covered in the same way as the contents of your suitcase/backpack would be in a normal trip.
If you mean damage to the pannier itself - well, that's again a question of full vehicle insurance (not just third-party liability/traffic insurance). If you have it, then your panniers should be covered.
That said, you may find that between the cost of such an insurance policy, the deductibles, and the headaches of filing a claim and having it recognized, it may be much better for your mental health to only take along things that you would not be massively sad to lose, or have too much trouble replacing on the road. The panniers themselves are probably what, half a grand? You'll be taking as much again in nice-ish camping equipment, a cheap laptop or tablet, a medium-nice camera? In the grand scheme of the budget of such a trip, it's not worth losing sleep over, not at this stage in your planning.
|
14 Oct 2022
|
Registered Users
New on the HUBB
|
|
Join Date: Sep 2022
Location: Scotland. Currently in Southern Turkey (15/12/22) en route to Cyprus
Posts: 2
|
|
Hi there, really appreciate you replying.
It's more having panniers/belongings stolen. I'm covered from UK to Turkey but beyond that it'll be insurance purchased at borders which I'm guessing won't cover theft of belongings.
I'll have my full insurance through IMG but medical only and not equipment.
I'll just need to be super careful and/or take the hit if anything goes amiss.
Thanks again for your response.
Guy
|
14 Oct 2022
|
Gold Member
Veteran HUBBer
|
|
Join Date: Jan 2002
Location: Toronto, Canada
Posts: 2,134
|
|
Quote:
Originally Posted by Guys
... I'm covered from UK to Turkey but beyond that it'll be insurance purchased at borders which I'm guessing won't cover theft of belongings.
|
Correct - insurance that you purchase at the border as you enter countries only provides the minimum legally required liability insurance, nothing more. That is universal.
There is a very small possibility that you might be covered for theft of your belongings (not the vehicle or any vehicle parts) by your household insurance policy - take a close look at it, or call your insurance company and ask.
Michael
|
Currently Active Users Viewing This Thread: 1 (0 Registered Users and/or Members and 1 guests)
|
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
Next HU Events
ALL Dates subject to change.
2025 Confirmed Events:
- Virginia: April 24-27 2025
- Queensland is back! May 2-4 2025
- Germany Summer: May 29-June 1 2025
- CanWest: July 10-13 2025
- Switzerland: Date TBC
- Ecuador: Date TBC
- Romania: Date TBC
- Austria: Sept. 11-15
- California: September 18-21
- France: September 19-21 2025
- Germany Autumn: Oct 30-Nov 2 2025
Add yourself to the Updates List for each event!
Questions about an event? Ask here
See all event details
Check the RAW segments; Grant, your HU host is on every month!
Episodes below to listen to while you, err, pretend to do something or other...
2020 Edition of Chris Scott's Adventure Motorcycling Handbook.
"Ultimate global guide for red-blooded bikers planning overseas exploration. Covers choice & preparation of best bike, shipping overseas, baggage design, riding techniques, travel health, visas, documentation, safety and useful addresses." Recommended. (Grant)
Ripcord Rescue Travel Insurance™ combines into a single integrated program the best evacuation and rescue with the premier travel insurance coverages designed for adventurers.
Led by special operations veterans, Stanford Medicine affiliated physicians, paramedics and other travel experts, Ripcord is perfect for adventure seekers, climbers, skiers, sports enthusiasts, hunters, international travelers, humanitarian efforts, expeditions and more.
Ripcord travel protection is now available for ALL nationalities, and travel is covered on motorcycles of all sizes!
What others say about HU...
"This site is the BIBLE for international bike travelers." Greg, Australia
"Thank you! The web site, The travels, The insight, The inspiration, Everything, just thanks." Colin, UK
"My friend and I are planning a trip from Singapore to England... We found (the HU) site invaluable as an aid to planning and have based a lot of our purchases (bikes, riding gear, etc.) on what we have learned from this site." Phil, Australia
"I for one always had an adventurous spirit, but you and Susan lit the fire for my trip and I'll be forever grateful for what you two do to inspire others to just do it." Brent, USA
"Your website is a mecca of valuable information and the (video) series is informative, entertaining, and inspiring!" Jennifer, Canada
"Your worldwide organisation and events are the Go To places to for all serious touring and aspiring touring bikers." Trevor, South Africa
"This is the answer to all my questions." Haydn, Australia
"Keep going the excellent work you are doing for Horizons Unlimited - I love it!" Thomas, Germany
Lots more comments here!
Diaries of a compulsive traveller
by Graham Field
Book, eBook, Audiobook
"A compelling, honest, inspiring and entertaining writing style with a built-in feel-good factor" Get them NOW from the authors' website and Amazon.com, Amazon.ca, Amazon.co.uk.
Back Road Map Books and Backroad GPS Maps for all of Canada - a must have!
New to Horizons Unlimited?
New to motorcycle travelling? New to the HU site? Confused? Too many options? It's really very simple - just 4 easy steps!
Horizons Unlimited was founded in 1997 by Grant and Susan Johnson following their journey around the world on a BMW R80G/S.
Read more about Grant & Susan's story
Membership - help keep us going!
Horizons Unlimited is not a big multi-national company, just two people who love motorcycle travel and have grown what started as a hobby in 1997 into a full time job (usually 8-10 hours per day and 7 days a week) and a labour of love. To keep it going and a roof over our heads, we run events all over the world with the help of volunteers; we sell inspirational and informative DVDs; we have a few selected advertisers; and we make a small amount from memberships.
You don't have to be a Member to come to an HU meeting, access the website, or ask questions on the HUBB. What you get for your membership contribution is our sincere gratitude, good karma and knowing that you're helping to keep the motorcycle travel dream alive. Contributing Members and Gold Members do get additional features on the HUBB. Here's a list of all the Member benefits on the HUBB.
|
|
|