World Nomads, but excludes Motorbikes !
 

Anyone else clicked on that easy to "get a quote box" for this Company that advertise on HUBB?

Or am I missing something.
The quote ... 11 months single trip cover, seemed high, but then we do ride motorcycles....
Read the small print ....

Motor biking (on road over 125cc) Special condition (b) and a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover

Motor biking / trail biking ( off-road 125cc or over) Special condition (b) and a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover


And just to re-confirm in Section 17 ...
Not Covered

Cover does not apply if you are:
...motorbike touring or where a motorbike is the main mode of transport;

So just apart from generating HUBB some revenue, just why do they advertise here ?

Apologies for the bitterness but do these companies realise just how much of our important planning time is wasted trawling thru their small print only to realise they don't cover what we do !

:nono:

It appears to be 'base' country related Russ. Not sure why though ???
As I'm from Australia, I selected that option.
There appears to be all the coverage I would want.
Seems to be different for the USA & Europe riders though ??

To answer you
 

Russ
Any advertisement on the hubb generates revenue for it.

All companies collect marketing information whether ot not they can sell you their product.
Do they know they waste our time? Who knows but chances are it would not matter to them as your info becomes part of lists which are bought and sold worldwide.

Whether or not anyone's application is accepted depends on their country of residency; if you are resident in the UK, forget World Nomads. They will tell you that their underwriters will reject cover where travel by means of a motorcycle is the main means of transport. This information was confirmed by WN today.
I hope this helps clarify things.

Yet LLoyds of London is stated as one of the underwriters for the Australian policy.

I gave world nomads a go, I kept getting generic reply's to questions asked and had to wait up to a week for the pleasure, finally told them to shove it! Piss poor!

I'm American and in the market for travel insurance, and had read good things about World Nomads. Their website unhelpfully does not address the question of whether American adventure riders are covered, so I called them.

Coverage specialist told me that yes, I would be covered regardless of whether I am traveling by motorcycle. However, I have to rule out World Nomads as they will not cover any incidents in Sudan, one of my destinations countries. World Nomads asks $300+ for a six month policy and ~$1000 for one year.

Also tried HCC Medical Insurance Coverage … they too do not cover Sudan, and seemed high priced at something between $600 and $750 for a six month policy.

I used STA Travel for two previous overland journeys and their pricing and coverage remains very good, from what little I know of the travel insurance business. They will sell me a 12-month policy called “Explorer Plus” for $289 with all the fundamentals including coverage in Sudan and covering travel by motorcycle. $100,000 medical coverage, $500,000 medevac and $0 deductible.

Incredibly, I could get a 6-month STA policy for just $33, total -- the twist being that it is non-renewable, and you cannot take out a new policy unless you are physically in your home country. So for trips longer than 6 months, you'd need to find figure a way to secure insurance around policy termination time. It also sacrifices some up-front trip cancellation coverage to the tune of a few hundreds bucks but I don't care about that, and has some lower payouts on certain items.

Any insights on STA Travel these days? Though I’ve used them twice before I’ve not had to file a claim. They seemed to be very popular a few years ago.

I've looked into HCC, Global Underwriters, and World Nomads. I'll have to look at STA. Seems very inexpensive compared to others. My initial thought was to go with GU as I spoke with them, got good response, and they offer renewable and changeable coverage to countries as you travel. They also offer insurance riders for higher risk countries and adventure sports coverage.

One note, the STA website pretty much sucks. I called them and a knowledgeable rep addressed my questions and supplied a PDF of the "Explorer Plus" coverage details. For some reason they have the standard coverage document on the site, but I could not find the Explorer Plus.

Read the small print and ask lots of questions
 

I know someone who got insurance with World Nomads, started out from Australia, got as far as Thailand with her own bike, had an accident and Nomads refused to pay out - she hadn't read the small print. Her father had to pay her hospital bill and her repatriation back to Israel. Her bike is still in Thailand three months later....

I find you have to tell each potential insurer exactly what you plan to do with your own bike plus the altitude you might reach plus the fact you may not have a return flight booked (!) plus all your health stuff - half the time they don't ask you the right questions.... From UK try Backpacker Travel Insurance UK, Cheap Holiday Insurance Cover | Navigator Travel or Backpacker, single trip & cheap travel insurance policies (via Overland Magazine).

Oh and don't wait till you are retired before going off on the long trip! Once you hit 60 and beyond, it gets progressively more difficult and more expensive to find insurance. At 66 I am now down to 90 days max at one time....

I presume STA also have different policies for different countries, I took out insurance with them in 2007 for a two part trip to Africa. I told them I would be using a "large" motorcycle as my primary form of transport and was told the highest level of cover would do but when I went to get a policy for the second part of my trip was told we do not cover for bikes over 125cc and I had never been covered. Apparently by saying large instead of 800cc motorcycle I was not specific enough.

That story sounds very familiar. Your friend, by chance, wasn't riding with a Aussie husband/wife team on two KTM's, was she? Just this past Mar/Apr?

????
 

I to read this, seems to be an issue, our biggest problem is we are on the road, and they will not cover anyone over 60. Any suggestion would be helpful.

Some options...
 

Its all just a huge nightmare ... all I want is someone to rescue me if Im hurt and pay for treatment... simple enough, No.

I have trawled through the Global Rescue and Ripcord small print, and while they imply a field rescue will happen, the small print seems to give them many other options. Most critically, they dont pay for the actual medical costs, so unless I chose to come back to the UK for NHS treatment, while you would be taken to a hospital, your medial attention is not covered.
And if I have got that wrong I apologise, but then if the small print was easier to understand, well, u know where Im going.

So just to document where I am so far, based on a 55 yo UK resident, riding to Thailand and then staying there 6 months (so 10 months away in total), I'm getting ~

Ripcord or Global Rescue - around £400 - extrication only, but they claim from anywhere in the world. Mixed reviews but I think they will. The downside is no curtailment and it means back to the care of the NHS.

Of the more "normal" travel policies that do cover large motorbikes, I seem to have a choice of ~

AA - £242 but for only 6 months max
Holidaysafe - sliding scale from £129 for 3 months to £523 for the full year.
Direct Travel - sliding scale from £134 for 3 months to £524 for 10 months
Harrison Beaumont - 3 months for £196
24/7 Gap - backpacker policy for 1 year @ £164

The latter is by far the cheapest, but the worry always is ... will they organise things when u need help, rather than just a refund when u get back home. I have been there - there is a big difference !

The search continues !

A top tip, I have also used the Post Office before and was told I was covered and may use them again after checking that they still cover for motorcycle travelling.

Post Office
 

Just checked the Post Office ... Yes, still cover motorcycles up to 1500cc.
However, the cheapest Super Economy premium is £292 for a 12 month Backpacker policy.
So, all other things being equal, Gap 24/7 is still the cheapest.

I got stung big time by the post office, I came back to UK for a short visit, after being out of the country for 2.5 yrs. I rang them, and asked, if I bought a 3 month policy for example, and I decide to stay abroad for another couple of months, could I extend whilst away?

They said yes, and the policy documents confirmed this. When I did decide to stay on in new zealand, I rang up to extend, and was told that I couldn't extend without returning to the UK and buying a new policy. This was because they had changed underwriters and the new underwriters did not allow this. GRRRR!!! So no coverage now. Post office did not contact me to say the policy had changed, and even when purchasing the policy, it took several phone calls to get the docs emailed through, and their online portal never really worked properly.

No, it is not simple.
It relates to the "moral hazard" of all such insurance.

One aspect is that insurance should cover only what is not likely to occur, thereby the underwriters will make a handsome profit and the share/stock holders will be content.

Another aspect is that once individuals are contracted into insurance cover which makes them "comfortable" in their own minds then those same individuals are inclined to take greater risks; thus by providing a particular form of insurance the industry itself has increased its' exposure to making a loss. Their statistical basis for deciding on an appropriate premium will be based on the general population whereas we want to be insured against our own follies while undertaking hazardous activity; so why would anyone take on a very high risk of losing money?

Naturally, this is a first world approach and way of thinking that would not occur to many others on this planet.

From your description, the policy did not change, it expired at the end of the period.
Nor would it change as an extant contract between you and the underwriter providing the cover, via the PO acting as the broker.

I rang up to extend before it expired.

Sent from my SM-G900F using Tapatalk

At which point they informed you that they had changed their underwriter; that happens frequently with the middle men/brokers.
It's just business practice.

To obtain the "same policy" you would need to establish who is still brokering for your original underwriter; someone will be unless that insurance company went out of business completely.

Some brokers handle a number of underwriters, perhaps depending on their scale of business.

In any case, I can't see how the PO "stung you big time".

Broker choices
 

Anyone tried these folks for a quote?

Motorcycle Travel Insurance from Holidaysafe

Or these?
Travel Insurance Online : low cost, comprehensive travel insurance for all

Perseverance pays !
 

Well, after basically checking loads of insurance companies, and going down the "backpacker insurance" route, I found a 12 month policy, (WW excl USA & Canada) that includes motorcycles of any capacity....

Alpha 250 Longstay GC Policy - £143 for a full year.

Maybe the benefits aren't the best out there, but they got good reviews on Trustpilot, will pay up to £10 million in medical, and repatriate me if deemed necessary.
:clap:

Just to update re the Post Office (UK): I just checked with them as I need insurance for an upcoming trip; while they still cover bikes up to 1100 or so cc, they do not cover unpaved roads (I asked about this specifically). So, I checked with Navigator Insurance. They have no limit on cc and ALL official roads are covered. Their definition of a road was one on which a normal car could travel, paved or otherwise. Hell of a lot cheaper than the Post Office as well.

Waterlilly
 

it's not 60, it's 70, and after that they assess you on a case by case basis.

World Nomads
 

i just did a claim with them for non motorcycle related medical emergency in US when travelling for a couple of months (I am Australia) and they paid out quickly and with minimal pain ...

Much better than an experience I had with Cover More in Oz a few years back ...

It is a caveat emptor moment.

BTW I got home last year having not needed my insurance to discover the 125cc max clause had been there all the time and I have done 25,000kms un insured on a 1200cc BMW! There but for the Grace of God! :oops2:

Read the small print!

Peter :mchappy:

Read the fine print.
I have read of someone who was injured and assessed as requiring medical treatment. But the assessment was that air transport would be risky - treatment should be made locally. The insurance company assessed it as requiring repatriation - on a normal commercial flight .. the cost of that to them was far lass than the medical costs and one repatriated the medical liability for them ceased.

Who does the assessment of repatriation vs local medical treatment and who is liable for the costs?
And who assesses how the repatriation is to be done?

With luck you and I will never find out.

Global Rescue will do 365 days/year to age 85. Up to 75, it's $639/year. I'm just now renewing for my third consecutive year and spend 90% of the time in Asia.

Insurance companies sell different policies tailored to particular markets. They do this largely because they're legally bound to do so. For example, any insurance product sold to me is constrained by the laws of my country (USA) and state (Washington).

That means the policy I'm offered when I click on a World Nomads, Global Rescue, or any other ad is likely to be very different from the one you see. This in turn means that my specific experience is probably not relevant to anyone who doesn't live where I live. The value of posts like the one above which declare confidently what Global Rescue or any other company will provide, and for what price, is pretty minimal.

It's also true that most of the specific insurance brands described in this thread are not insurers at all, but rather agents who sell a variety of insurance products offered by various insurers. This follows from the point above--agents have to sell products which are locally approved, and they can't possibly secure local approvals in all the different markets around the world.

And it's certainly true that insurers and agents often believe themselves in the business of selling you their products, not providing you with services. They may know--or not--that they're not covering you and your overland bike, but in the end many of them are not terribly concerned with what happens to you on the road. Therefore: read the fine print carefully before signing a contract (and offering your credit card). Your agent is not your friend, and he/she is not necessarily on your side.

Lastly, for my purposes as a resident of Washington State in the USA, I've found the most appropriate, most complete, and cheapest travel and medieval insurance at DAN, which is a diving organization. You can google them and see what they offer wherever you live--I don't know whether they sell internationally, or how this might apply.

Hope that's helpful.

Mark

after a long research I want to share, maybe it helps to someone.

Forget UK and US citizens. They have a whole world of rules. They dont apply the rest of us.

Navigator: Forget it. Only for UK

World Nomads: accepted bikes. Bad part : they have and excess of 100 USD EVERY TIME YOU GET A DOCTOR.
https://helpdesk.worldnomads.com/cus...ike-or-scooter

IMG: Globe hooper single trip product. seems to be the right option.
Only one excess per policy
I can choose amount of excess
Europe policy cover the Stans
Adventure Sports policy covers travelling in motorcycle
Price seems ok
Renew overseas

I would like to hear is someone used it and their experience.

Thanks

I recently bought insurance from IMGlobal. Can't comment much about the company since i did not and hope not to make a claim.

I called them and they told me that they cover only riding motorcycle on paved road.

If you plan to buy your insurance from them, have a quote from Motorcycle Express: They have better plans than on the IMG website.

Patrick

Before I fork out big dollars to an insurer ...,

One thing I have always done beforehand is to find out exactly where their emergency hotline operators are located.

That may be some 3rd party call answering service in India who cannot contact the main office (on another continent) until the next day . Perhaps they also don't have the permission to make executive decisions , or the person who does is sick/ on holidays / day off / out to lunch etc,

..., or perhaps they only have one telephone line / or staff member working that night - where you are put on hold for ever as you try and call from overseas - which chews through all your cash before getting your call answered.



After finding out where the call centre is actually located .., I work out a time that corresponds to being "in the middle of the night" for that offices location - and I make a 'test' phone call to that office simulating an emergency just to see how promptly someone answers the phone, then see what authority they actually have.

These insurance companies all promise to provide prompt action , but from my little call tests over the years, I know that is not always true - far from it actually.

With an insurer .., I expect nothing less than a quick telephone answer - 24 hours around the clock 365 days a year - with full emergency response permission granted instantly for everything covered in the policy without any delays whatsoever.



I know for a fact , and have seen people die in third world where a hospital does not want to lift a finger to save a life - ie; before they can ensure 100% that the bill is going to get paid up front or without official confirmation from an insurer.

Any delay in conformation from an insurer for example can see you bleed out internally in the waiting room.

..., and always read your fine print (twice) , and if there is a 'what if' in the fine print that sounds like it could be a grey area , or is vaguely worded, then email the company (ie;dont call) and get the clarification in writing or consider yourself not covered. You can bet that grey area will not be interpreted in your favour when it comes to the crunch.
Insurance companies go to lots of effort to word their policies vaguely for that exact reason so they can interpret it how they see fit to avoid any payouts.

Never trust or rely on what a company representative tells you over the phone either regarding the 'what if's' to the questions you may ask .

Do not believe their verbal interpretation of the policy when it is not clearly defined in the fine print. Only trust confirmed written replies as this will be the only leg you have to stand on if things go pear shaped .