Hi all!

I'm digging into travel insurance for our RTW trip at the moment so would like to share some of the info. I've checked with Cheap worldwide Travel Insurance. Holiday Travel Insurance and received a qoute.

They cover any motorcycle regardless of the CC (we're taking a wee strom 650cc). This is for overland motorcycle touring with the intention of staying on the road not going through sahara etc. - basicaly it means that you will not go where any motorised vehicles shouldn't go - we're not planning to. In addition to this the policy covers you for sporting activities and working. It also includes med evac so if it is required for you to be flown out of the country for medical assistance it is covered - overall you're covered for £5,000,000.

The policy will only cover you not what/who you damage - so if you crash into somebody only you will be covered and anything you've done to the person you crashed into you'll have to cover on your own. The policy is £37.50 per month per person. They do up to 18 months policy with an option of renewal. We'll be taking a 12months policy for £450 per person.

If there is a similar policy outthere giving the same thing for less please let us know! We're UK residents if it makes any difference.

Stay safe!
Andy

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This part I think I may be totally misunderstanding... can you please clarify, in what ways will your motorcycle be covered ( - will it be covered, if you crash it, or it gets stolen, or burns or sinks into the water)? Or this is in fact a travel insurance for yourself & your companion, which does not cover the bike (the bike´s value) in any way?

Having the med-evac option in your travel insurance is something you wish you´ll never ever need, but could save your life, if you do! (and it might also be a good idea to make a few copies of the proof of insurance, and keep them somewhere where they can easily be found in case things go bad and you´re unable to hand that information to anyone.)

I have the "backpacker / long-stay" insurance policy from Worldwide, which is underwritten by AXA. You are correct that there is no cc limit on bike travel, but it does not cover damage to the bike.

I had a crash in Angola a few weeks ago, which required medical repatriation to the UK for treatment. AXA arranged for the repatriation with a minimum of fuss and agreed to cover all my medical expenses incurred in Angola. It does not cover treatment in your home country however, so you will be reliant on the NHS or other private medical insurance when you return.

I can thoroughly recommend this policy, based on AXA's responsiveness to my claim.

Yes you're right it is a little misleading. I meant that they will cover you travelling on any cc bike. I remember that it was an issue with a lot of insuring companies - they usualy say "Yes we cover motorcycles" without adding that it's for up to 50cc only

To answer your question the policy is only for me and the missus not for the bike. I'm sure that a moto insurance would be extensively expensive. I think you just have to risk when it comes to the bike - what you shouldn't be risking is with your life so this policy sounds really good.

Matt thanks a lot for the info! It's always good to know that they do what they should when it comes to it!

thanks guys!
Andy

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Have a look at 1 stop travel insurance. Ride safe.

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Mike
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Mike is riding the twisty road in the sky

Do they cover bikes more than 125cc? Have u used them?

Andy

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Phoned up 1 Stop Travel Insurance - they only offer 12 months policy. You have to use public roads (whatever that means), wear a helmet and no racing After the policy expires you need to get back to uk to get it renewed - you need to be in uk - this would mean that at that point we'd have to get a different policy issued in the country we are in or something. Not interested.

Thanks for the info though!
Andy

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I went with 1stoptravelinsurance for £160 GBP / year worldwide coverage. It recently finished and as earlier said they only extend when you get back to the UK.
So I went with Navigatortravel.co.uk

It was possible to take out the insurance from overseas.

Cheers,
Frank

This sounds like a good deal. £160 is really not bad. The cover is quite substantial. I will give them a call later on today and see exactly what they offer.

Thanks!

Andy

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Hi all

I've discovered the following, so I thought an update might be useful.

The biggest payout for emergency medical expenses in insurance history was £1.8 million. So don't get seduced into paying more for a policy offering cover up to £5,000,000 which is common these days.

Navigator had a massive payout last year as a result of a motorcycle accident and so their underwriter has changed their Silver and Gold policies to limit the use of motorcycles on a trip to no more than 14 days! Not so useful then! If you check out their complete wording for these policies you will find it noted in the small print on page 9 under 'Leisure.' So be careful.

The good news is that Navigator has introduced two new policies which they have called Navigator Standard and Navigator Plus, which have a different underwriter. These do accept long-distance motorcycle travel and have only the standard restrictions - you must have a full licence, wear a lid and stay on road (You can get off road insurance for an extra premium but only on bikes up to 250cc). Pillion riders must also hold a full UK licence. These policies don't appear to come up on their website if you ask for an online quote. You can check them out, though, by going to the bottom of their home page, clicking on the 'policy wordings' link and then again on the 'Navigator Standard' and 'Navigator Plus' links.

1Stop Travel Insurance now only cover motorcycles up to 125cc.

For an 'older' motorcyclist like me, I couldn't find anything much under £500 for nine months (that was Navigator again) - most were a lot dearer. We seem to scare them off for some reason. Too damned irresponsible.

Happy travels.

Choice is exceptionally limited, especially for longer trips.

I'm finding that for a month in morocco, then 3-6 months in South America that it's much cheaper buying to separate single trip policies.

For a someone who's fit and healthy and in their late/twenties early thirties, some of the quotes are rediculous. A few were in the region of £500+ Navigators most basic one was cheapest at around £170, but if a pillion can't claim then it's useless.

The search continues.

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My blog about touring and adv riding

Got excited - checked Navigator... I'm 55, just want 11 months single trip to Asia, and it quoted £547 for a basic policy.

As its really only the medical evacuation that's important to me, Global Rescue look tempting at just over £400 for a year.

They advertise on HUBB - anyone had good/bad experience with them ?

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Have you tried Trailfinders?

They seem pretty straight to me, and I'm in the process of making a claim, so maybe I'm speaking too soon.

Motorcycling is excluded on their standard policy, but they will add large capacity bikes for an extra premium. We took originally took out a 5-month policy to cover worldwide travel excluding the USA, and it cost us £770 for the two of us (ages 52 and 62).

I am reading this with interest. I too am sorting insurance for next year and have a thread to update on the general section.

I approached Worldwide but was instructed to place my search in the international residents section even though I am a UK resident. I have been out of the country travelling for most of a year and this may be why. I then got a huge premium, so disregarded them. If I use the Uk resident section I get the same price as the OP for a year. However looking at the policy wording for single trip the Policy feature table shows; Maximum period per trip if aged under 69, 94 days. This seems strange when cover is requested for a year.

So I think I will phone them again on Monday and ask some more questions. This whole insurance issue is a minefield.

Tried InsureandGo? Different underwriter and have policy that covers existing conditions if that is necessary. The more conditions covered the higher the premium.


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