Do you need travel insurance on a motorcycle?

John Milbank, BikeSocial Consumer Editor
By John Milbank
BikingMilbank BikeSocial Consumer Editor, John owns a Yamaha MT-10 and Honda Grom. He's as happy tinkering in the workshop as he is on twisty backroads, and loves every bike ever built (except one). He's bought three CBR600s, a KTM 1050 Adventure, two Ducati Monsters, several winter hacks, three off-roaders, a supermoto pit bike, a Honda Vision 50 and built his own custom XSR700. 

 

 

If you ride a bike on the road (and that includes byways), legally you must have motorcycle insurance. But if you’re touring on a bike in the UK or beyond, have you also considered the need for travel insurance?

Most of us buy cover for our holidays to make sure we don’t lose out if there are things like delays, illness or lost baggage, but losing your passport, missing a ferry, or having an accident while touring on your motorbike could a real problem.

 

Is it worth it to get travel insurance?

It’s easy to question if it’s necessary to get travel insurance, and when touring on a motorcycle you’d be forgiven for thinking you have everything covered with your bike insurance. But just the same as a summer’s trip away with your family, delays, lost documents, illness and more can all ruin your trip, and potentially leave you out of pocket.

Getting travel insurance for a motorcycle adventure can be tricky due to the increased risk of expense due to medical costs, and you can be limited in what and where you can ride – check your cover carefully.

 

Travel Insurance Explained

 

What is the best travel insurance?

Any insurance policy you take out should suit your needs, so be sure to think about what you intend to do on your trips.

A basic travel insurance policy for any holiday should include cover for the following:

  • Medical expenses
  • Loss or theft of personal possessions
  • Lost or delayed luggage
  • Loss of your passport and other documents
  • Travel delays and disruptions
  • Having to cut your holiday short

If you’re taking a motorcycle, or you're renting one while you’re away, be sure that your insurer will cover you for any medical expenses, should you have an accident. You must also think about where you’re riding – some policies won’t cover you if you’re trail or enduro riding, or if you’re on a race track. And that includes the Nürburgring, which many insurers will exclude in the small print. Remember – this isn’t about your bike being covered, it’s about your medical expenses, should the worst happen.

 

Travel Insurance Explained

 

What is covered by your travel insurance?

Besides the most common points of good holiday travel insurance, a motorcycle-specific policy should include cover for your bike kit and your accessories. Check the level of cover included – if you’re wearing expensive riding gear, and want to be covered, do check with the broker.

Your clothing might in some cases be covered by your home insurance, but you’ll need to carefully check any limitations with your insurer.

If you’re buying a policy to give cover when riding a motorcycle, check how long you’re covered for; most policies will give you an upper limit of time for each trip, so make sure it’s long enough for your journey.

 

How much is travel insurance for a year?

While a single trip policy might be all you need, think carefully about how much it would cost to get a year of cover. If you’re planning a motorcycle tour to Scotland for instance, and a family holiday later in the year with the family to Disneyland (so the bike’s staying at home), some insurers might even be able to offer you a policy that covers you and your family for the entire year, whether you’re riding or not; check the prices as you could save some money this way.

BikeSocial’s parent company, Bennetts, has a motorcycle-specific travel insurance policy – find out if it suits your needs by clicking the link.

 

Travel Insurance Explained

 

Bennetts

Bennetts

Win a £500 Brittany Ferries voucher for any holiday or ferry crossing

Bennetts Travel Insurance is for both riders and non-riders and is designed to protect you on a wide variety of trips, from a relaxing weekend break with the family (just like any other travel cover), to a tour on Harleys across America, or your first time at the Nürburgring on your Fireblade.


What’s more, purchase a Bennetts Travel insurance policy before 30th November 2019 and you could be the lucky winner of a £500 Brittany Ferries Voucher which can be redeemed as full or part payment against any holiday or crossing.

Full details and terms and conditions for this competition can be viewed here.


Why not get your quote for your next holiday today?


Bennetts Travel Insurance policy holders must be aged between 18 to 70 for Essential Policies and aged between 18 to 75 for Premium and Ultimate Policies. Insurance is provided by Lloyd’s underwriters.

Find out more »

 

 

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