Motorcycle travel insurance caters to individuals intending to ride a motorcycle while travelling overseas, whether they are using their own bike or renting one.
It covers both motorcyclists using their personal bikes or those renting abroad, including coverage for trail riding, off-road biking, events, and track days.
Here are some considerations:
1. Adding overseas riding cover to your motorcycle insurance: Ensure your motorcycle insurance provider offers the option to include coverage for riding abroad, but check the specifics regarding how, where, and when you can use your bike.
2. European breakdown cover: If you hold a European breakdown cover policy, it will pay for roadside assistance expenses if your motorcycle breaks down in Europe.
3. Travel insurance including vehicle hire: Your travel insurance policy should offer additional coverage for motorcycle rentals during your travels. Note that there may be limitations on the type of motorcycle you can rent.
Is Motorcycle Travel Insurance Necessary
Riding a motorcycle abroad involves more than just starting up and riding away; you must have at least third-party cover as mandated by law.
However, depending on where you’re going and the purpose of your trip, additional coverage may be necessary.
If your current motorcycle or travel insurance policies don’t offer comprehensive protection, a motorcycle travel insurance policy can offer an added layer of security for activities like touring, participating in track days, off-roading, or embarking on long road trips.
Does Travel Insurance Provide Coverage for Motorcycle Accidents
The coverage of motorcycle accidents under travel insurance can vary significantly across different policies. It’s crucial to examine the specifics, particularly if your policy involves motorcycle rental. Here are some factors to keep in mind:
1. Engine size limitations: Many travel insurance policies only provide coverage for motorcycles, mopeds, or scooters with engines under 125cc.
2. Helmet usage: Failing to wear a helmet may void your insurance coverage.
3. Compliance with local regulations: Failure to adhere to local road safety regulations can invalidate your insurance policy.
4. Motorcycle-related activities: Verify if your policy includes coverage for activities such as track days or off-roading.
5. Coverage for the motorcycle: Remember that travel insurance typically covers you, not the motorcycle itself. Separate insurance is necessary for the vehicle.
Motorcycle Insurance Coverage for Travelling Abroad
Your motorcycle insurance might incorporate a provision for riding overseas, but it’s crucial to understand the details:
– Riding locations: While policies commonly cover the EU and EEA, global coverage may necessitate specialized insurance.
– Duration of coverage abroad: There might be restrictions on the number of days covered.
– Required coverage type: At a minimum, third-party insurance is mandatory in the EU and EEA.
– Necessary documents: Carry insurance documents, your driver’s license, and breakdown cover information; however, a Green Card is not necessary for the EU and EEA.
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