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7 Jun 2020
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Registered Users
Veteran HUBBer
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Join Date: Aug 2010
Location: Middle England, UK
Posts: 457
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Best insurance?
Like many, I’m sure, I had planned to travel in Europe this Summer (I’m in the UK) - these plans are now on hold. The BBC has told travellers of all types to contact their insurance companies in the first instance to see what they can do regarding potential refunds. I contacted my insurance company (I’ll not mention which one purposely, as I don’t want to derail my question) to ask them about potential recourse, they weren’t even slightly interested; flatly refused to even discuss anything (and I was only putting out feelers of possibility, not even asking for anything specifically!). I appreciate the fact they’re a business and all associated conversations.
My question (sorry for the preamble) is are there ANY insurance companies that would take into account the UK foreign office statements regarding recourse to things like the travel bans in place at the moment? Perhaps none of them do this? Which ones do you rate? My current one doesn’t take theee things into account - I’ll read the small print more carefully in the future!
Thanks in advance for your suggestions.
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7 Jun 2020
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Registered Users
Veteran HUBBer
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Join Date: Apr 2005
Location: Oxford UK
Posts: 2,116
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We're talking about travel insurance, not vehicle insurance - is that right? If it is here's my recent experience. I bought travel insurance for a USA bike trip back in early March (ie before lockdown). The trip itself was due to happen in early April and fell foul of the lockdown so I couldn't travel. I contacted the insurance company - Holiday Extras - to ask them what's happening to the policy as I'm not allowed to travel and the flight has been cancelled (the most important bit).
It took some doing as their staff were all working from home so not answering phone calls and, for a while, not responding to emails. When they came back to me (10 days ago) they said as I hadn't claimed for anything, and wasn't going to claim, I could choose between 50% of the premium back or defer the policy into the future. When I chose the latter (we still want to do the trip, but who knows when) they said there will be a £50 'admin' surcharge ... Better than nothing but not much as the flight was refunded completely and I'm sure they have as much 'admin' to do as the insurance companies.
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7 Jun 2020
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Registered Users
Veteran HUBBer
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Join Date: Aug 2010
Location: Middle England, UK
Posts: 457
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Yes, travel not vehicle insurance. My point to my insurer was that I was being told I could not travel, not me deciding to not go (for whatever reason).
I might ask mine again about deferment- they just shut me down and didn’t offer me anything. Perhaps I need to ask specifically.
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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...
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.
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