Mark,

Thanks for the tip. I'll get the local insurance for sure.

Thomas

Hi- interesting question- and something similar I have too.

I am a Pakistan citizen and my wife and I are planning an overland travel in 2017 from Pakistan to UK

The vehicle is registered in Pakistan. My Pakistani insurance will only give me cover within the Country.

I require 3rd party COMPREHENSIVE international insurance/coverage (similar in lines to the European Green Card Insurance) which must also give third party cover for accidents, etc.- some policy covers mentioned below as an example-

1. Legal liability for death or injury to any other person (liability to third parties)
2. Legal liability for damage to other people's property (liability to third party assets)
3. Loss or damage of insured vehicle by fire, theft or vandalism
4. Damage to insured vehicle in the event of an accident
5. Accident recovery and repair service

Any companies who would cover my vehicle with full comprehensive vehicle/liability & 3rd party insurance ?

I saw the World Nomads and BUPA sites- they cover medical/health, etc - which is what I woudl take out anyway; but they do'nt cover the vehicle itself and damages/accidents with other vehicles.

Any advice will be greatly appreciated. Many thanks. Dinshaw

It would be nice to have it available. However the cost of it is believed to be too expensive - so that if it were made available no one would buy it. Say it was the cost of a new Rolls Royce for one years coverage (or if you have a Rolls Royce - 10 times its cost new) ... would you buy it?

They usually offer 2 different covers. Coverage for the USA is more expensive than anywhere else .. due to the high cost of medical procedures there.

The repair costs of a vehicle that is not imported into a country and has no dealers there ... would be extremely high! So coverage costs are also going to be high. I would like to see some provision for coverage for others property and personal damage ... those should be easily available from the local insurance people ... that I think could be affordable.
Theft is a problem ... but as the vehicle is unusual it will usually surface.
Repair costs ... most overlanders develop the skills to effect repairs .. at least to the stage of getting to somewhere with support, where repair cost would be more reasonable.

Many thanks

Appreciate your response.

Dinshaw

I doubt you will find one motor insurance policy which will cover you the whole way but believe insurance for Iran is available at the border, it certainly is at the Turkish border and they won't let you in without it and an all Europe green card is available for the rest of your trip. If you can get into Iran without a carnet you won't need one for the rest of the trip.

Dear Mark

Many thanks

Dinshaw

Usually what is 'offered' (or demanded) at the border is a minimum insurance .. usually third party personal .. sometimes third party property too. Comprehensive is seldom available.

Uhm firmly believe this kind of company doesn't exist, or should I say there is no company offering these kind of policies. Even if you buy wider third party insurance policy/comprehensive insurance or combo of both from some of the European providers that will cover third party side/full comp of the story in ex social block countries, it will not cover you in a case of theft, period.

There is very small need and inquiries for the full service, hence no offer from the insurance companies, because the price would be just too high.

Other is as always well explained by inmate mark manley.

BR
Dooby

Many thanks

Still interested in discovering if there is a Central American country that does not require minimum liability insurance for a foreign tourist's motorcycle/vehicle. Please, Tommytrojan - keep us advised if you find one.

All tourist auto/moto insurance policies have a clause stating that the insured vehicle must be "legal" indicating a valid TVIP for the country, a valid title and registration, plates etc. Not having any of these is cause for the insurance company not to pay liabilities or bail you out of jail. And, yes in the event of serious personal injury, death or substantial property damage the insurance companies do investigate - before paying liabilities, while you sit in a foreign jail.

I may be one of the very few posting here who has - while working for the IRC, actually visited foreigners in foreign jails because of vehicle accidents. It is not a pleasant experience!

Without valid insurance a foreign tourist could remain in jail for months, even years while waiting for a judge to decide fault. The local police, even federal police generally arrest everyone involved in a serious accident and let the insurance companies and a judge sort out fault. And, most people will more readily blame a foreigner than a neighbor.

Hiring a foreign attorney after an accident - without having valid insurance - is a nightmare.
Just as in every country it is very difficult to determine which attorney to trust . So, please do not risk riding a motorcycle in a foreign country without a valid TVIP, legal title, registration, plates, and valid insurance.

It has been my experience - that other than suggesting an "attorney," your embassy may not be of much assistance. The IRC is very under funded and understaffed but does try to keep tract of foreigners in foreign jails, a very difficult task as some arrests are never officially reported as required by international law.

xfiltrate

I am very often quite blown away how people travel through some countries without paying the policy. In my experience, if my mind is pressured by thinking if I'm travelling and being not covered that the shit will hit the fence for sure. I am calling for a problem and probably will get one.
Not here advocating for this or that, just implying that there are cheaper places to safe the money instead of not getting the minimum insurance coverage.

BR
Dooby

Thanks for the detailed info. That is important advise since until you need it you don't realize your are missing something. I'll keep you posted what I find on my way down there as far as insurance requirements are concerned. Also, even in the US, the legally required minimum is laughable. It might be advisable to get a more realistic coverage. According to my insurance agent an umbrella policy will give me world wide 'excess' coverage. I'll study the fine print and I hope that it will kick in where the 'official' liability ends. And I also hope I will never need to get to that point to actually need it.

Cheers,
Thomas

I am not sure what this would cover you for but in the UK the excess is what you call the deductable in the US and might have no use or value at all without further local cover.

Ecuadore does not require foreign vehicles to have separate liability insurance provided you enter under a valid TIP and it is current. This may require valid and current registration back in the home country though

__________________
Tony
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