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18 Mar 2014
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The franglais-riders
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Join Date: Jul 2005
Location: UK
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Quote:
Originally Posted by stevedo
Has anyone had an update from Navigator/Richard? My wife and I embark on a multi-year trip on 18th June and I'm really struggling to find a policy that extends beyond 12 months and/or can be extended whilst you're actually away.
Cheers
Steve
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Yes see here: http://www.horizonsunlimited.com/hub...ood-news-75169
Navigator found a new underwritter.
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18 Mar 2014
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Registered Users
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Hi Maria,
thanks for the reply, I'd missed the new thread.
Great news 
Cheers
Steve
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29 Mar 2014
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Contributing Member
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Join Date: Feb 2004
Location: St Andrews
Posts: 662
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If you are on the road or antediluvian(ish) have a look at the Atlas travel insurance web site, I fall/fell into both categories and this lot sorted it. The person who communicated with me was:
Zane Beaty ZBeaty@hccmis.com
Ride safe.
__________________
Mike
---------
Mike is riding the twisty road in the sky
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15 Apr 2014
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Registered Users
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Already abroad, and over 125cc
Hi,
Apart from Navigator (who have refused to extend), anyone out there know of travel insurers who will insure once out on a trip? Need a further six months and riding a motorcycle over 125cc. UK Resident
Thanks
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15 Apr 2014
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Registered Users
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Join Date: Jun 2012
Location: Ireland & France
Posts: 142
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Quote:
Originally Posted by maja
If you are on the road or antediluvian(ish) have a look at the Atlas travel insurance web site, I fall/fell into both categories and this lot sorted it. The person who communicated with me was:
Zane Beaty ZBeaty@hccmis.com
Ride safe. |
Could you provide a link? I have found a company called Atlas Direct, but my internet browser (Firefox) seems to think the site is dodgy and won't let me get a quote.
ETA OK. I've got it. Atlas Direct are a completely different company. The Atlas Travel Insurance policy is offered by HCC Medical Insurance Services: http://www.hccmis.com/atlas-travel-insurance/.
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15 Apr 2014
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Gold Member
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Join Date: Aug 2008
Location: On the Road
Posts: 235
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Quote:
Originally Posted by jaybee
Hi,
Apart from Navigator (who have refused to extend), anyone out there know of travel insurers who will insure once out on a trip? Need a further six months and riding a motorcycle over 125cc. UK Resident
Thanks
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I can only suggest World Nomads, who will renew while you're out on the road. I'm not sure about starting a new policy tho'.
worldnomads.com. 01702 427219.
No good if you're over sixty, as I was disappointed to discover.
The other option is to find a company that insures ex-pats.
Geoff
Having just read throught the Atlas Travel website it looks like they may be what you're looking for as they will insure you after your trip has started.
Last edited by kentbiker; 16 Apr 2014 at 00:18.
Reason: More info
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8 May 2014
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Join Date: Jan 2010
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Like most I have been having problems re-newing my Ins. I have been on the road now for 3 years. For the first year I used 'Carol Nash' which I found out at the end of the year only covered me for 1 month. Glad I didn't claim!
For the last 2 years I have been with 'Navigator'. All very good but now they have lost their ability to re-new when out of the country. Richard emailed me ...
"Hi Brian,
This could be a problem. Where are you now? Are you in the UK or still overseas?
We have lost the facility to start policies for people who are already overseas, due to fraudulent claim activity and cannot extend your existing policy, as it has lapsed.
We also have a maximum duration of 18 months for one trip. We used to get round this, by issuing a second policy while passengers were overseas, therefore starting again. However, since we lost the facility to start cover after departure, this is no longer an option.
Regards - Richard"
This is unfortunate so I began searching. Lots of people suggested 'WorldNomads' so I emailed them. Vanessa Dunn emailed....
"Unfortunately, this policy does not extend to cover you if you are motor bike touring or your motor bike is the main mode of transport. It can't be added, even for an additional premium".
I do think this is different for people of different residency.
I tried 'true traveller' 'trailfinders' '1cover' and a few others. All with the same outcome. Can't start a policy out of the country or CC to big.
I think on this thread 'HCCMIS' was suggested. I sent Zane Beaty a butt load of questions and he assured me the policy covered all my concerns.
So that's who I have gone with. Just hope he is true to his word and I never have to test him.
Hope this sheds some light
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24 Oct 2015
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Registered Users
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Just starting to look into this for our own trip as we have been away now for over 16 months. Our current policy expires in December and I suspect will not be renewable. We're from the UK.
I've just taken a look at HCC medical and found the following exclusion in their policy
"6. Ownership, possession, control or use of any automobile, motorcycle, ATV, off-road vehicle, watercraft, aircraft, parachute, parasail, glider or any other motorized, gravity-induced, or self-propelled vehicle or craft of any kind."
For reference the quote can be found here http://www.hccmis.com/docs/at_doc_specimen.pdf under article 3 near the bottom of the document.
On that basis I'm not convinced that HCCMIS are the answer in the event of a claim 
Still struggling to find a policy that can be started once the trip commenced and also covers motorcycling as the main activity or purpose of the trip. Anyone have any other ideas?
Cheers
Steve
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7 Apr 2016
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Registered Users
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Well I too have run into an insurance problem
I am insured with World Nomads Australia, They will cover me for motorcycle touring, however they will not cover personal liability if I injure someone or damage their property. I am mainly concerned about Europe, how can I get third party in Europe? My bike is French registered and apparently green cards are only issued to non-EU registered bikes. European insurance companies don't seem to want to insure me as I am not a resident.
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17 Apr 2016
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Hi Wanted,
I am Australian with a Irish registered bike. last year I tried to renew my insurance from an Irish Insurer, but every available obstacle was placed in my way. Ended up obtaining insurance from a Croatia supplier. Have not got the supplier details on me in OZ but Martin from www.motofeirme.com. would probably inform you. The document took some time to arrive at an English address, but a copy is sent by email, which I copied and carried with me.
Regards Ben.
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18 Apr 2016
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R.I.P. - 2020
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Location: Cotes d'Armor, France.
Posts: 377
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Quote:
Originally Posted by Wanted
Well I too have run into an insurance problem
I am insured with World Nomads Australia, They will cover me for motorcycle touring, however they will not cover personal liability if I injure someone or damage their property. I am mainly concerned about Europe, how can I get third party in Europe? My bike is French registered and apparently green cards are only issued to non-EU registered bikes. European insurance companies don't seem to want to insure me as I am not a resident.
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If you have a French registered bike, it MUST be registered in your name to be legal and before you can get it insured by a European based Insurer. In France you must have a residential address ( permanent or holiday home) before you can register it here. In fact strictly speaking a bike must be registered to you, before you can get any Insurance, unless you have written permission from the owner, and even then the registered owner pays the insurance and you become named rider/dual owner. Under European Law a European registered bike not registered in your name, still belongs to the previous registered keeper. You would be well advised to re register the bike in your own country into your name and then use someone like TourInsure for your European cover.
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25 Apr 2016
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Contributing Member
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Location: Tartu, Estonia
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Quote:
Originally Posted by Wanted
My bike is French registered and apparently green cards are only issued to non-EU registered bikes.
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That's not quite correct; green cards can be obtained for non-EU bikes separately. For EU-registered bikes, they are a free and intrinsic supplement to your mandatory insurance. Most of the time traveling inside the EU you can get away with not having the Green Card on paper, and you have to request it separately from the insurer if you want the paper version.
Quote:
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Under European Law a European registered bike not registered in your name, still belongs to the previous registered keeper.
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Can you point me to a source on that? Here in Estonia, I'm pretty sure ownership and registration are entirely separate things. Ownership passes at the point when the sales contract is signed and the money handed over. Registration is between the new owner and the government. You can show up at the licensing authority office with a sales contract and the vehicle registration document, and register it in your name; or the old owner can confirm online that they sold it to X person, that person can confirm they bought it and pay the fee, and registration is complete.
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3 May 2016
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Registered Users
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Join Date: Jul 2015
Posts: 15
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insurance
Just sharing some advice
26 year male, 3 month south america trip
1/naviagator- approx 240 quid
2/Carol nash- 240 quid
3/Marks and spencer- 140 (wouldn't have thought to try them except saw on this forum!)
Now first 2 were geared at bikers. However marks and sparks will cover you for any vechicle abroad that you have full licence for at home if you have insurance for this.
call them up and they were very helpful, told them touring on motorbike for 3 months and they were happy with this. no engine restrictions - so if anyone is looking to tour their triumph rocket this is the place!
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18 Sep 2016
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Join Date: May 2010
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Thanks and a quick reminder
Many thanks for your excellent post. I would also like to remind people that they should all check the Foreign Office (or their countries advice) to see if warnings are given for the areas people intend to travel. Insurance companies will NOT COVER YOU for areas that are deemed unsafe.
It's well worth asking your insurer if this applies to areas that are safe at the time of purchasing insurance but later become dangerous.
Remember those insurance fu$%ers will do anything not to pay!!!
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18 Sep 2016
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Registered Users
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Join Date: Nov 2006
Location: On the road, Homeward bound :-(
Posts: 127
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Quote:
Originally Posted by DR11
Just sharing some advice
26 year male, 3 month south america trip
1/naviagator- approx 240 quid
2/Carol nash- 240 quid
3/Marks and spencer- 140 (wouldn't have thought to try them except saw on this forum!)
Now first 2 were geared at bikers. However marks and sparks will cover you for any vechicle abroad that you have full licence for at home if you have insurance for this.
call them up and they were very helpful, told them touring on motorbike for 3 months and they were happy with this. no engine restrictions - so if anyone is looking to tour their triumph rocket this is the place!
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Which Motorcycle Insurance company gave you cover for a UK registered bike being used in Sth America? I couldn't find one that exceeded the limits of the EU, though that was back in 2009, and I doubt very much they will pay out if you have an accident even if you have local insurance, Hire vehicles probably the exception.
Just noticed this is an old post!!!!
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helps answer the question - Why Go? Inspirational stories by veteran travellers Greg Frazier (5 times RTW), Peter and Kay Forwood (193 countries), Tiffany Coates (Mongolia Mayhem) and Rene Cormier (University of Gravel Roads).
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