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.
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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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