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21 Apr 2010
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Worldwide Motorcycle Travel Insurance
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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21 Apr 2010
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Quote:
Originally Posted by AndyWx
They cover any motorcycle regardless of the CC
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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.)
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21 Apr 2010
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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.
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21 Apr 2010
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Quote:
Originally Posted by pecha72
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?
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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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22 Apr 2010
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Join Date: Feb 2004
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Quote:
Originally Posted by AndyWx
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 |
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
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22 Apr 2010
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Quote:
Originally Posted by maja
Have a look at 1 stop travel insurance. Ride safe.
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Do they cover bikes more than 125cc? Have u used them?
Andy
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22 Apr 2010
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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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22 Apr 2010
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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
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23 Apr 2010
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Quote:
Originally Posted by Franconian
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
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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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10 May 2010
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I've just got insurance with Navigator Travel. They have two policies BOTH cover motorbike trips. YOU are covered but NOT the bike. I got 6 months including USA for £180.
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17 Jul 2013
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Navigator Travel
Hi Folks,
I have lurked on this site for a couple of years now but I have finally got my sh1t together and am off to Asia in November.
I really enjoyed the Donnington get together this year.
What an inspiring bunch you are.
I have just spoken to Richard at Navigator and he pointed me towards their "silver" policy for up to 18 months at a premium of £511
Is this a good deal? I'm a 54 year old male in good health.
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22 Aug 2013
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Quote:
Originally Posted by Dish
Hi Folks,
I have lurked on this site for a couple of years now but I have finally got my sh1t together and am off to Asia in November.
I really enjoyed the Donnington get together this year.
What an inspiring bunch you are.
I have just spoken to Richard at Navigator and he pointed me towards their "silver" policy for up to 18 months at a premium of £511
Is this a good deal? I'm a 54 year old male in good health.
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I've just read through their policy and it seems to exclude motorcycling, unless I've mis-read it.
Geoff
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23 Aug 2013
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Join Date: Sep 2011
Location: Bristol
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Quote:
Originally Posted by kentbiker
I've just read through their policy and it seems to exclude motorcycling, unless I've mis-read it.
Geoff
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The definitely cover motorcycling as we have just bought insurance for 18 months from them a few hours ago very reasonably priced too  the only downside is that to renew you need to go back to UK, but we will cross that bridge nearer the time during our travels.
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29 Aug 2013
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Quote:
Originally Posted by kentbiker
I've just read through their policy and it seems to exclude motorcycling, unless I've mis-read it.
Geoff
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Navigator insurance very much includes motorcycles.
You can opt for on-road or an off-road policy - with the definition of a road being a road that a normal car can drive along - not just 4WD.
I've had some great correspondence from Richard at Navigator who was very responsive to my questions. This includes being able to change one month to off-road if required.
Steve
Just leaving for Africa...
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22 Nov 2013
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Flying out of the UK on Tuesday Woohoo! Next stop Bankok for a week of R&R and beautiful warm weather. Then find a bike to jolly around Asia.
See you in Chiang Mai 
Glad that I haven't made a mistake with Navigator insurance
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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)
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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
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"This is the answer to all my questions." Haydn, Australia
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Lots more comments here!
Diaries of a compulsive traveller
by Graham Field
Book, eBook, Audiobook
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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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helps answer the question - Why Go? Inspirational stories by veteran travellers Greg Frazier (5 times RTW), Peter and Kay Forwood (193 countries), Tiffany Coates (Mongolia Mayhem) and Rene Cormier (University of Gravel Roads).
Get Ready! covers planning, paperwork, medical and many other topics! "Inspirational and Awesome!" See the trailer here!
What stuff do I need - riding gear, clothing, camping gear, first aid kit, tires, maps and GPS? What don't I need? How do I pack it all in? Lots of opinions from over 150 travellers!
break down language barriers, overcome culture shock, ship the bike and deal with breakdowns and emergencies."Just makes me want to pack up and go!" See the trailer here!
Grant demystifies the black art of Tire Changing and Repair to help you STAY on the road! "Very informative and practical." See the trailer here!
Ladies on the Loose! For the first time ever, a motorcycle travel DVD made for women, by women! These intrepid women share their tips to help you plan your own motorcycle adventure. They also answer the women-only questions, and entertain you with amazing tales from the road! Presented by Lois Pryce, veteran solo traveller through South America and Africa and author of 'Lois on the Loose', and 'Red Tape and White Knuckles.'
Cotton or synth sweat-wicking t-shirts with the cool Horizons Unlimited graphic on the front and a snappy slogan (changing every year) on the back.
Show your route on your panniers. Great conversation starter when you meet people on the road!
Motorcycle and travel books to inspire and inform you!
The definitive guide to planning your motorcycle adventure! This insanely ambitious 2-year project has produced an informative and entertaining 5-part, 18 hour video series. "The ultimate round the world rider's how-to!" MCN UK.
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