Go Back   Horizons Unlimited - The HUBB > Planning, Trip > Trip Paperwork
travel Insurance Public Liability and vehicle insurance travel Insurance Public Liability and vehicle insurance
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



Like Tree2Likes
  • 1 Post By Tourider
  • 1 Post By farqhuar

Reply
 
LinkBack Thread Tools Display Modes
  #1  
Old 17 Jan 2014
Registered Users
HUBB regular
  
Join Date: Jan 2014
Posts: 41
travel Insurance Public Liability and vehicle insurance
Just reading through my PDS for my travel insurance and it says I have $4m in public liabilty insurance for personal or property damage for third parties.

So since i presume most other travellers have travel insurance, why are people getting other third party coverage at the borders. Is it because this doesnt count in the eyes of the countrys officials?

Just wondering if I could rely on this instead. Maybe for the less developed countries though as $4m isnt that much. I feel that i have overlooked something really simple about why this is not possible.
Reply With Quote
  #2  
Old 17 Jan 2014
Registered Users
HUBB regular
  
Join Date: Jan 2014
Posts: 41
Sorry pds is product disclosure statement which tells you all the rules of the policy
Reply With Quote
  #3  
Old 17 Jan 2014
Registered Users
Veteran HUBBer
  
Join Date: Jun 2008
Location: Walsall, UK
Posts: 251
You're confusing travel insurance with vehicle insurance, your travel insurance will not cover you to ride/drive a vehicle legally.
Reply With Quote
  #4  
Old 18 Jan 2014
Registered Users
HUBB regular
  
Join Date: Jan 2014
Posts: 41
My policy says

"

15 PERSONAL LIABILITY
You have this cover if you chose Plan A, B, C, D, E, F, G, H or I.
15.1 WE WILL PAY:
We will cover your legal liability for payment of compensation in respect of:
• death or bodily Injury, and/or
• physical loss of, or damage to, property,
occurring during your Journey which is caused by an accident or a series of accidents attributable to one source or originating cause.
We will also pay your Reasonable legal expenses for settling or defending the claim made against you.
"

To me that sounds like it would cover a motor vehicle accident as well.

Maybe there is some other exclusion but I cant find it. Maybe ill call them to ask.
Reply With Quote
  #5  
Old 18 Jan 2014
Registered Users
Veteran HUBBer
  
Join Date: Jun 2008
Location: Walsall, UK
Posts: 251
"Call them to ask" is your own best advice. Your travel insurance would not pay out because it would not pay out for something caused by an illegal activity on your part. Riding/driving a vehicle without motor insurance is illegal in most countries, therefore they would not entertain a claim.
Reply With Quote
  #6  
Old 19 Jan 2014
Registered Users
HUBB regular
  
Join Date: Jan 2014
Posts: 41
Quote:
Originally Posted by Tourider View Post
"Call them to ask" is your own best advice. Your travel insurance would not pay out because it would not pay out for something caused by an illegal activity on your part. Riding/driving a vehicle without motor insurance is illegal in most countries, therefore they would not entertain a claim.
Hmm good point.

But for the countries where it isnt compulsary they couldnt do that and I would be covered here without buying further insurance.

Ill have to ring them monday.
Reply With Quote
  #7  
Old 19 Jan 2014
farqhuar's Avatar
Registered Users
Veteran HUBBer
  
Join Date: Mar 2008
Location: Oztralia
Posts: 646
Quote:
Originally Posted by vertical_c View Post
Hmm good point.

But for the countries where it isnt compulsary they couldnt do that and I would be covered here without buying further insurance.

Ill have to ring them monday.
I think you've answered your own question - the only time when you have to buy insurance at the border is when it IS compulsory.

As I have also said in the past, and many have disagreed, I believe the real risk when riding in 3rd world countries is to your life and limb, not to your hip pocket.

If you are prepared to risk significant injury to yourself, then a measly couple of thousand dollar payout to someone/thing you injure or damage, is insignificant in the overall scheme of things.
__________________
Garry from Oz - powered by Burgman
Reply With Quote
  #8  
Old 19 Jan 2014
Registered Users
HUBB regular
  
Join Date: Jan 2014
Posts: 41
Ah cool.

Yeah good point about risk. I was going to pay for insurance even if not needed but I am risking a lot more money in future earnings on this trip than anything ill be sued for in a minor collision.

Wont bother unless compulsary now.
Reply With Quote
  #9  
Old 19 Jan 2014
Registered Users
Veteran HUBBer
  
Join Date: Jun 2008
Location: Walsall, UK
Posts: 251
Quote:
Originally Posted by vertical_c View Post
Ah cool.

Yeah good point about risk. I was going to pay for insurance even if not needed but I am risking a lot more money in future earnings on this trip than anything ill be sued for in a minor collision.

Wont bother unless compulsary now.
I think I would counter with the phrase "Shit Happens."
Reply With Quote
Reply

« 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
Buying and registering a motorcycle in Chile timyarb Trip Paperwork 16 2 Jan 2018 19:55
Travel Insurance policy includes 3rd party liability baz870 Trip Paperwork 4 9 Sep 2013 21:47
travel insurance - motorbikes ygue6072 Trip Paperwork 2 26 Sep 2012 13:07
Vehicle contents shipping insurance frenchian Trip Transport 0 6 Mar 2012 01:37
Information wanted from experienced bikers in South America joentje100 South America 35 1 Jan 2010 04:00

 
 

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. 11-14
  • 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 03:10.

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