Go Back   Horizons Unlimited - The HUBB > Planning, Trip > Trip Paperwork
Travel Insurance Off Road Travel Insurance Off Road
Register FAQ Calendar Today's Posts
Trip Paperwork Covers all documentation, carnets, customs and country requirements, how to deal with insurance etc.
Photo by Andy Miller, UK, Taking a rest, Jokulsarlon, Iceland

I haven't been everywhere...
but it's on my list!


Photo by Andy Miller, UK,
Taking a rest,
Jokulsarlon, Iceland



Reply
 
LinkBack Thread Tools Display Modes
  #1  
Old 13 May 2016
Registered Users
HUBB regular
  
Join Date: Apr 2015
Posts: 32
Travel Insurance Off Road
I'm away from my country right now and need a new travel insurance policy. I don't care about the bike, if it goes, it goes. I just want to keep myself functioning.

I contacted World Nomads and was told that if I want to ride on any unsealed (dirt) roads then I will need to buy the additional off road package at a $1000 premium! I don't plan to be on trails or doing proper off roading, but not all roads in Asia are sealed tarmac.

Any recommendations of insurers for an Australian, purchasing overseas, that covers a mild amount of dirt roads that I'm likely to find in south East Asia and Southern Asia?

FYI: This is the response from World Nomads.
Quote:
Me: I will be riding a motorbike as my primary mode of transport. I would like to know the distinction between riding on-road and off-road. Does this mean public vs private roads, or sealed vs unsealed roads, or so on?
Many times I will be riding on an unsealed road which is not a trail and is clearly marked and legal to be on. How would this be classified?


WN: Riding on incomplete, unsealed and unmaintained roads, roads without markings, warning signs or speed limits and on unstable surfaces would be off-road motorcycle riding. If you’ll be riding on roads that fit this description you will need to add the additional motorcycle riding cover on your plan.
Reply With Quote
  #2  
Old 15 May 2016
bikerfromsark's Avatar
Gold Member
Veteran HUBBer
  
Join Date: Mar 2006
Posts: 211
Hi, you need to go back to world nomads... they are wrong to have said that.
I am insured by them, same situation as you. Around the world travel, some times using dirt roads.
'Off road riding' in their policy is dirt bike riding, riding on a government 'gazetted' maintained road is not off road.
Off roading is motorcross type riding.
If you are riding on a normal road.. like the great central in Australia for example which is a dirt road, but is on all maps and is maintained by the government that is covered.
Get their manager on the phone because I was very very emphatic that before I made my insurance booking with them that I could ride on dirt roads under their normal insurance and I was assured that I would be covered.

I hope this helps

George
Reply With Quote
  #3  
Old 16 May 2016
Registered Users
HUBB regular
  
Join Date: Apr 2015
Posts: 32
Thanks George.

I agree, there are plenty of roads which are not sealed but are still most certainly a road and being on the wouldn't be classified as off-road riding. I've called them and they are going to speak to their underwriters and let me know.

I'd be happy to pay for off roading if that's what I was doing, but it seems a little silly to pay just to be able to ride along a graded and maintained dirt road.

Will update.
Reply With Quote
  #4  
Old 17 May 2016
Registered Users
HUBB regular
  
Join Date: Apr 2015
Posts: 32
Uhh... George You should take a look at this particularly if you are on the road right now. Did you get your confirmation in writing from World Nomads?

Quote:
Hi Julian,

Further to your phone conversation with our Customer Service Consultant, I’d be happy to confirm the cover under our policy for motorbike riding.

Our policy provides cover for riding motorbikes both on road, off road and as a pillion passenger, the type of motorbike riding you’ll be doing will determine the level of Sports & Activities cover that you require under the policy.

The levels of cover that we offer are as follows:

Moped / scooter biking – Level 1 Sports & Activities cover
Motorbiking (pillion passenger with a licensed driver) – Level 1 Sports & Activities cover
Motorbiking (on road) – Level 1 Sports & Activities cover
Motorbiking (off road) – Level 3 Sports & Activities cover
You must always have the appropriate qualification, certification or license to participate in this sport, activity or experience.

I have received confirmation from our Underwriting Team that we would define off road motorbike as travelling off public roads, especially on unpaved roads, trails, beaches, or rough terrain. Please note that if a public road were to be unpaved, a trail or is rough terrain then this would be also be considered off road as it is the condition of the road that causes the consideration of risk.

I hope this information has been helpful and don’t hesitate to contact us if you have further questions.

Kind regards,


Sarah
Senior Consultant
So...anybody have any other recommendations?
Reply With Quote
Reply

Tags
insurance, off road

« Previous Thread | Next Thread »

Currently Active Users Viewing This Thread: 1 (0 Registered Users and/or Members and 1 guests)
 

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

Similar Threads
Thread Thread Starter Forum Replies Last Post
Complete Central America/Mexico/Colombia Border Crossing Information sellheim Central America and Mexico 30 7 Mar 2023 00:33
Tales from the Saddle klous-1 Ride Tales 88 4 Feb 2016 21:30
Australians Travel Insurance stevesgonewalkabout Staying Healthy on the Road 8 31 May 2015 18:48
World Nomad's Travel Insurance JSerpa Trip Paperwork 9 8 Jun 2014 01:55
Importance of the travel insurance Hemuli Staying Healthy on the Road 5 4 Jun 2013 13:49

 
 

Announcements

Thinking about traveling? Not sure about the whole thing? Watch the HU Achievable Dream Video Trailers and then get ALL the information you need to get inspired and learn how to travel anywhere in the world!

Have YOU ever wondered who has ridden around the world? We did too - and now here's the list of Circumnavigators!
Check it out now, and add your information if we didn't find you.

Next HU Eventscalendar

ALL Dates subject to change.

2025 Confirmed Events:

  • Virginia: April 24-27 2025
  • Queensland is back! May 2-4 2025
  • Germany Summer: May 29-June 1 2025
  • CanWest: July 10-13 2025
  • Switzerland: Date TBC
  • Ecuador: Date TBC
  • Romania: Date TBC
  • Austria: Sept. 11-15
  • California: September 18-21
  • France: September 19-21 2025
  • Germany Autumn: Oct 30-Nov 2 2025

Add yourself to the Updates List for each event!

Questions about an event? Ask here

See all event details

 
World's most listened to Adventure Motorbike Show!
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...

Adventurous Bikers – We've got all your Hygiene & Protection needs SORTED! Powdered Hair & Body Wash, Moisturising Cream Insect Repellent, and Moisturising Cream Sunscreen SPF50. ESSENTIAL | CONVENIENT | FUNCTIONAL.

2020 Edition of Chris Scott's Adventure Motorcycling Handbook.

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.

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!



Five books by Graham Field!

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!

Your ad could be here, on EVERY page of the HUBB, or the whole website, or as many as you like!

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.

Susan and Grant Johnson 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.



All times are GMT +1. The time now is 17:33.

Contact Us - Horizons Unlimited Motorcycle Travellers Website - Archive - Privacy Statement - Top