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10 Oct 2006
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Registered Users
HUBB regular
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Join Date: Jan 2006
Location: Dillon, Colorado USA
Posts: 73
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TokyoCph-
Are you sure World Nomads no longer handles motorcycles??? Less than 2 weeks ago, I got an email from them stating that they were covered. Hmmmm.....
Must say that finding insurance that will unquestionably cover motorcycles seems to be a pain in the arse. I eventually went with Specialty Risk International. Not sure if these guys handle UK/EU residents though.
Rhino
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12 Oct 2006
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Registered Users
Veteran HUBBer
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Join Date: Sep 2006
Location: Cornwall, in the far southwest of England, UK
Posts: 597
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Just bought w/wide travel insurance
Based on the wise words and comments throughout the previous posts on this thread: I've just been in touch with InsureAndGo and sorted out my 5 months w/wide cover - inc. a motorcycle riding cover endorsement - for the great price of £162.67.
The M&S premium quote was extortionate at £300+
Navigator wanted £187.26 - with a whopping £650 excess per claim.
STA required approx £195 for unlimited 'premier' cover.
So, I'm all sorted for London ~~> Hong Kong (36 hr stopover) ~~> ALK and New Zealand for 4+ months ~~> San Francisco, CA (48 hr stopover) in April '07 ~~> homewards to London next Springtime.
Thanks fellas - there's been some very good information on travel insurance posted here. 
Cheers
Keith
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24 Feb 2007
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Registered Users
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Join Date: Oct 2005
Location: Greece
Posts: 109
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Quote:
Originally Posted by oflaherty
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So, isn't there the restriction for motorcycles bigger than 125 cc?
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19 Mar 2007
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Registered Users
Veteran HUBBer
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Join Date: Oct 2003
Location: Suffolk, England
Posts: 109
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Can we really get the cover we want?
Having been through all the info on HU and read the other messages on this thread, I still haven't been able to find an insurance company which will give the cover that most of us seem to need. I thought World Nomads looked good - motorcycle cover, age up to 65, renewable, cover available when trip already started, affordable - but on downloading the policy document, I saw that motorcycle cover was restricted to 125cc. I have asked about additional cover up to 600cc but so far have not had a reply! On checking the policy document for STA, again engine size restricted to 125cc. Other companies that were suggested on HU had age limits (I am 58). I have also checked out some US sites - premiums ranged from $2000 to $3500!!
So, are there really any insurance companies out there who will cover long trips, on larger capacity motorcycles and for older riders?
I would suggest caution at relying on information given on the phone - when you need to make a claim, only the wording on the policy document will count.
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27 Mar 2007
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The franglais-riders
Veteran HUBBer
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Join Date: Jul 2005
Location: UK
Posts: 1,190
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STA Travel/Navigator/InsureAndGo - for UK Residents
I've been phoning this morning around as we're off soon. (Asked 1 year for 2, older than 35).
It seems STA travel have changed underwriters and cover motorcycles up to 125cc only! 
I came down to 3:
Navigator still cover motorcycle touring (Gold or Diamond policy- I Added +25% as we're over 35!) It's possible to waive the Excess Charge by paying £15 pp. Total for 2 (removing Baggage and Money claim) is 295pp for 1 year worldwide.
Insure&Go quoted me £ 90.50pp for including motorcycle touring as permitted activity. Budget insurance for 2 (1 year ) £450 so total for 2 = £630.
Wordlwideinsure: £456 (no compensation in case of disability as a result of a motorbike accident, but medical costs covered)
Has anyone used and made a claim on one of these 3 above?
Cheers,
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27 Mar 2007
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Contributing Member
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Join Date: Sep 2003
Location: Whangarei, NZ
Posts: 2,214
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Funny, when I pretend on WN's site that I'm in the UK they still list motobikes as covered...
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29 Mar 2007
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Veteran HUBBer
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Join Date: Apr 2006
Posts: 2,373
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Navigator
will not insure you if you are over 50..... 
Who said ageism is a thing of the past?..... 
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29 Mar 2007
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Registered Users
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Join Date: Nov 2005
Posts: 1,187
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I`ve just got basic health insurance (think its WorldWide) for 8 months for about 120GBPs and covers motorcycle travel on bigger bikes. There is really no point in insuring belongings in my opinion as I haven`t brought anything I can`t afford to loose (except my bike that is!). The amount of excess they charge would cover most things anyway. Also read the small print as there seems to be a quite lot of strict proceedures to follow/numbers to call etc when your arm or leg is hanging off as to what medical services you can use.
Another thing to watch is depending on what the Foreign Office is saying, the insurance co might not pay out. I understand that Colombia and maybe even Equador are classed as no-go areas in their opinion and I´m led to believe that a claim made here might not even be granted.
We recently met an english guy here who`d had a 750GBPs laptop stolen out his room and because he`s in Colombia and the Foreign Office says don`t go there, he can`t make an insurance claim.
Maybe someone else can shed some more light on this issue though.
Last edited by MikeS; 29 Mar 2007 at 19:33.
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30 Mar 2007
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Veteran HUBBer
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Join Date: Apr 2006
Posts: 2,373
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Quote:
Originally Posted by MikeS
I
We recently met an english guy here who`d had a 750GBPs laptop stolen out his room and because he`s in Colombia and the Foreign Office says don`t go there, he can`t make an insurance claim.
Maybe someone else can shed some more light on this issue though.
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It's the latest 'game' of underwriters to avoid paying out any compensation if you come unstuck..... if the FCO advises against travel to that town/part/city/country etc etc and you have an incident...you're not covered....... It has been stated that it is the insured's responsibility to keep checking the FCO website daily for any changes....like that's all people do when travelling.... -
So one minute you feel confident having purchased your insurance then a 'situation' arises and ...you're no longer insured.......  Russian Roulette anyone? better odds methinks!
MikeS is right IMHO. Look at this document....8 pages of explanations/exclusions/terms etc etc etc
http://www.globelink.uk.com/wording.pdf
And if you get past that and all is well...then there's always the FCO.....
Last edited by Bertrand; 30 Mar 2007 at 19:36.
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9 Apr 2007
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Contributing Member
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Join Date: Feb 2004
Location: St Andrews
Posts: 662
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world nomads, a warning.
hi people, from my hospital bed in xalapa, vera cruz, mexico a heads up. world nomads have just refused to pay any medical costs after a moto vs car in which i came off 3rd best, car - mini bruise, bike - few bruises, me, # fractured femur, dislocated shoulder and chronic indigestion from hospital food and lack of  , their reason, my moto is too big, i.e. above 125cc. when i purchased this policy in aug-sep last year to continue with one bought the previous aug-sep they again said that size was only related to bike damage claims and not medical ones, it would appear that not only lawyers have the tongues of vipers. mexico is not that expensive compared with other places, i reckon this little incident is going to cost me between 7 - 10 thousand pounds, but if it had been 3 weeks later when i had planned to be in the usa, it would have meant selling the house so be warned, "all that glistens is not gold". if anyone is passing through over the next 3 weeks or so, smuggle me in a chilled one, cold turkey is no fun. ride safe.
__________________
Mike
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Mike is riding the twisty road in the sky
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17 Jul 2007
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Contributing Member
Veteran HUBBer
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Join Date: Feb 2005
Location: Travelling in Australia
Posts: 175
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Aaarg!
I too am having to delve into murky insurance waters to try to fish out a policy that covers me for what I want to get up to.
I am leaving the UK for Oz for 2 years+ and need to get cover for at least the first year.
Problems encountered so far are similar to those experienced by other posters in this thread - restrictions on motorcycle size (under 125cc); restrictions on length of policy (longstay and backpacker cover extends to a max of 18months from what I have managed to find); dodgily worded policy documents:
An exclusion in Direct Insurance policy (and I saw it in another one this evening, but can't remember which one it was... but look out for it):
'Anything arising from owning or using any aircraft, mechanical or motorised vehicles'
I did call to find out exactly what that meant, and Claire and her Duty Manager were unable to say - neither of them knew.
I have had insurance with Insure & Go before, but the motorcycle extension only covered a period of up to 30 days - that said however, I never had to give them the dates for those 30 days. Hmmm. Anywho, they aren't applicable for my current needs.
World Nomad ticks all the right boxes and appears to have been put together by people who have travelled and understand what we are faced with, but their policy document has this interesting General Exclusion:
'You are not covered for anything caused directly or indirectly by the following, unless you have contacted us and we have confirmed in writing that you will be covered.
1. ...
...
19. motorbike touring or where a motorbike is the main mode of transport'
(highlights in the policy, not my own)
An email has been sent to request the inclusion of large bike riding/touring cover.
*sigh*
Since the UK and Australia have a reciprocal health agreement, I can make use of the Medicare system (Oz national health). The only thing being that that has some exclusions (why am I not surprised).
So, what I really need, is cover that will include the bits that Medicare excludes
Simple really. My head hurts.
__________________
If you don't have bugs in your teeth, you haven't been grinning enough!
Last edited by Shells; 18 Jul 2007 at 00:00.
Reason: Spelling mistook
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18 Jul 2007
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Contributing Member
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Join Date: Sep 2003
Location: Whangarei, NZ
Posts: 2,214
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Hi Maja,
Sorry to hear about your mishap and I wish you a speedy recovery.
Now you got me seriously worried, as I have just extended my WM policy for another year. But then, I'm an NZ resident and that may make all the diference. Must check that out, though.
All the best,
Peter.
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18 Jul 2007
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Registered Users
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Join Date: Dec 2005
Location: Kandahar Afghanistan
Posts: 160
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Hi Maja
Get well soon. Sorry to hear about you.
Peter I just tried to get insurance from WN and they wouldnt cover any country on the FCO list that cancils out Iran,Pakistan,India, so that rules out the countrys that we wanted insurance for LOL
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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...
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Can we really get the cover we want?
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