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MOTORCYCLING TRAVEL INSURANCE POLICIES UK
All our motorcycling travel insurance policies will cover you for on-road motorcycling, with no cc restrictions, as long as you hold a FULL licence to be riding a bike of that size in your home country, and wear a crash helmet (even if local law doesn’t insist on it). On-road motorcycling touring does not necessarily have to be a tarmac road, but the road must be what passes for the road locally.
Please note that these policies are NOT to insure your motorcycle and do NOT cover Third Party Liability (Personal Liability). These are Travel Insurance policies for bikers, to cover you whilst travelling by motorcycle abroad and on motorcycle holidays, for medical expenses etc.
They are only available to UK residents, though some Short Stay policies are also available to residents of certain other European countries. Whilst these policies cover Medical Expenses relating to motorcycling (ambulance, air ambulance, hospital costs, repatriation etc) most of these policies, including Navigator Standard, Enhanced, Prime & Supreme, do NOT cover additional compensation for accidental Death, Loss of Limb, Loss of Sight, Disablement, arising from a motorcycling-related accident.
All our other travel insurance policies can also incorporate motorcycle travel insurance, as detailed above.
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WHY DO YOU NEED MOTORCYCLE TRAVEL INSURANCE?
Motorcycle travel insurance is essential for anyone who plans on booking a motorcycle holiday or taking their motorbike touring abroad. This includes anyone who plans on touring on their motorcycle, taking biking road trips, off-road motorbiking, and participating in track days.
Ensuring that you have the right motorcycle travel insurance policy for you will mean that you remain protected no matter where you go for all motorbike-related activities you may be embarking on during your motorcycle holidays.
WHAT DOES TRAVEL INSURANCE FOR MOTORCYCLISTS COVER?
Depending on which motorcycle travel insurance policy you opt for, this will determine what you are and aren’t covered for during your motorcycle holidays. For example, some policies will cover both on-road and off-road motorcycle use in their travel insurance for motorcyclists, whereas some may only cover on-road.
It is worth noting that opting for additional off-road cover might incur additional costs.
You must complete the necessary research into the different available motorcycle travel insurance policies to ensure that you choose a policy that is most suited for you and the travel and activities that you will be engaging in during your motorcycle holidays.
WHEN IS ON-ROAD NOT ON-ROAD? (Navigator Standard, Enhanced, Prime & Supreme policies).
PLEASE NOTE – WE DO NOT ACCEPT THAT “EVENTS” SUCH AS MOTOGIRO DE ITALIA, STELLA ALPINA ETC, ARE ON ROAD, LEISURE MOTORCYCLE TOURING. WE CAN COVER THESE EVENTS, BUT ONLY ON MORE EXPENSIVE MOTORSPORT POLICIES, WHERE INDEPENDENT OFF-ROADING IS COVERED.
SIMILARLY, WE REGRET THAT INSURERS DO NOT REGARD NETWORKS SUCH AS TET (TRANS-EUROP TRAIL NETWORK) AS ON-ROAD MOTORCYCLING, AS THERE ARE NARROW SECTIONS WHERE YOU CANNOT GET A 4×4. UNFORTUNATELY, AS TET TOURING IS NOT GUIDED, TOUR OPERATOR ORGANIZED OFF-ROADING, WE CAN NO LONGER COVER IT UNLESS YOU ARE SURE THAT THE SECTIONS THAT YOU ARE RIDING ARE MARKED ON GENERAL MAPS AND ARE WIDE ENOUGH FOR OTHER TRAFFIC TYPES TO USE (WE WOULD THEN CLASS IT AS ON-ROAD RIDING).
IF YOU ARE NOT SURE ABOUT THE NATURE OF THE TET/ACT TRAILS THAT YOU WILL BE RIDING, THIS IS NOT A SUITABLE POLICY FOR YOUR TRIP.
We have recently lost our off-roading (Motorcycle Silver and Motorcycle Gold) policies, due to the underwriter pulling out.
We have motorcycle travel insurance policies with another underwriter, the Navigator Silver, Navigator Gold and Navigator Diamond, but these are principally for on-road motorcycling. True Off-Road motorcycling on personally guided organised tours can be covered, but only for a MAXIMUM of 7 days and at the Action Plus sport supplement, which doubles the cost. However, we have been talking to the underwriter and have agreed to relax rules relating to what constitutes on-road motorcycling. We now regard on-road motorcycling as :
1 – Riding legally on Highways and Byways that are available for motorised vehicles (i.e. green laning etc). They should be substantial enough for a 4WD to negotiate.
2 – They MUST be marked on a map as roads (not footpaths/bridleways, for example)
3 – They MUST be rights of way for motorised vehicles, i.e. NOT restricted byways for walkers, push bikes and horses, and NOT forest fire roads which are not open to unauthorised motorised vehicles.
4 – As a rule of thumb, if you don’t need a licence, motor vehicle tax and insurance to ride on it, we would regard it as off-roading and you would NOT be covered. Highways and byways with legal access for motorised vehicles would require these documents. Strangely, our insurers still require you to hold a FULL licence for the size of bike being used, even when off-road riding (don’t ask!). I suppose it’s the only way they have of knowing that you have some experience on a motorcycle…
5 – Unfortunately, Navigator Silver and Navigator Gold policies are not as generous as the old policies. These will NOT cover motorcycle touring trips of more than 31 consecutive days unless you pay the Action Plus sport supplement which increases this to 62 consecutive days. There is NO cover for the bike or your gear (helmets/leathers and boots etc) and NO cover for Motocross or competitive riding of any sort, and NO cover for Track Days, or true off-roading (other than 7 days guided organised tour at Action Plus supplement), Enduro etc.
Long term on road motorcycling and competitive motorsport can be covered on our new AIG Backpacker & Longstay policies – call 0161 973 6435 or email [email protected] for a quote.
6 – If there is any doubt about the nature of the riding that you may encounter on your trip, we strongly recommend that you pay the Action Plus sport supplement, which extends cover to true off-roading for a maximum of 7 days of the trip, though this travel insurance for motorcyclists is only for organised guided (by a human!) motorcycling tours.
If you buy one of these Single Trip policies online, it is important that you start the cover on the date that you leave the UK (or your home country) and end it on the date that you get home. If you just buy the motorcycle travel insurance policy for a few days in the middle of a trip when you are booked on a motorcycling tour, the policy will be completely INVALID. These are not top-up policies, they must cover the whole trip.
WHICH POLICY DO I NEED?
To minimise confusion, we have detailed the scope of our UK motorcycling cover for your motorcycle holidays on our policies below:
Navigator Silver, Gold & Diamond. ( Quote or buy online or by phone – 0161 973 6435)
Cover for On Road Motorcycle Touring is restricted to 31 consecutive days per trip, with the option to increase to 62 days at the Action Plus supplement. This applies to Annual Multi-Trip and Short Stay Single Trip versions of these policies. The Long Stay Single Trip version of the policy is restricted to 31 consecutive days, with no option to increase this limit.
Cover for Off-Road Motorcycling (as part of a personally guided organised motorcycling tour) is restricted to 7 consecutive days with the Action Plus supplement, at extra cost. Again, this only applies to Annual Multi-Trip or Short Stay Single Trip policies and is not available on the Long Stay Single Trip version for your motorcycle holidays (see definition of on-road/off-road above).
If you buy one of these Single Trip policies online, it is important that you start the cover on the date that you leave the UK (or your home country) and end it on the date that you get home from your motorcycle holidays. If you just buy the motorcycle travel insurance policy for a few days in the middle of a trip when you are booked on a motorcycling tour, the policy will be completely INVALID. These are not top-up policies, they must cover the whole trip.
Longstay & Backpacker ( Quote or buy by phone only – 0161 973 6435)
On Road motorcycling can be covered for trips of up to 18 months with NO cc restrictions. Limited off-road cover available with 250cc maximum. Motocross and other competitive riding can be covered at extra cost.
High-Risk Voyager. ( Quote or buy online or by phone – 0161 973 6435)
On Road Motorcycling is only covered for a maximum of 14 consecutive days per trip. This motorcycle travel insurance policy is primarily for people working overseas and is not really intended for touring holidays.
Travel Plus. ( Quote or buy by phone only – 0161 973 6435)
This policy is NOT suitable for motorcycling as there is now a limit of 250cc. On road motorcycling on made-up public roads is covered, though ONLY up to the 250cc limit. Full licence must be held
Adventures. ( Quote or buy by phone only – 0161 973 6435)
On Road Motorcycling is covered for 6 months maximum with this motorcycle travel insurance policy. This insurer does NOT use the above definition of “on-road”. They do not require roads to be tarmac, but they must be official public highways, passable to most traffic types.
FREQUENTLY ASKED QUESTIONS
Are there any cc restrictions on navigator policies.
There are no cc restrictions on any of our motorcycle travel insurance policies as long as you hold a full licence to ride a similar-sized bike in the UK (or EU on some policies).
Am I covered for Third Party/Personal Liability?
Motorcycle travel insurance excludes liability cover if the claim arises from using any motorised vehicle. This must be covered on the vehicle/motorcycle insurance.
Do Navigator policies cover me on a rented motorcycle?
Yes, Navigator policies will cover you on owned, rented or borrowed bikes, as long as you have an appropriate full licence and are street legal.
Can I ride off-road on Navigator policies?
Our motorcycle holiday insurance policies cover on-road at standard prices, though roads do not have to be tarmac. If they are official highways, marked as such on a map, or are byways legally open to motorised vehicles and marked as such on a map, this would be classed as on road. Proper Off-Road riding on a guided off-road motorcycling tour can be covered on our Navigator Silver, Gold and Diamond policies for a maximum of 7 days, by selecting the “Action Plus” option on the second page of the online application. This doubles the cost. Strangely, our insurers still require you to hold a FULL licence for the size of bike being used, even when off-road riding (don’t ask!). I suppose it’s the only way they have of knowing that you have some experience on a motorcycle…
Am I covered as a pillion passenger on a motorcycle?
Our travel insurance for motorcyclists will cover you as a pillion, as long as the rider holds a full licence for the bike.
If you have any queries or need assistance with quotes or booking your motorcycle travel insurance, please do not hesitate to call us on 0161 973 6435 or email [email protected]
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Making International Motorcycle Trips Easy
Motorcycle travel insurance: why you need it for your next adventure.
Motorcycle travel can be an exhilarating experience, but it also comes with its own set of risks. From unexpected accidents to lost luggage, there are many things that could go wrong on a motorcycle trip. That's where motorcycle travel insurance comes in.
Motorcycle travel insurance is designed to protect you and your bike while you're on the road. It can cover a wide range of situations, including medical expenses, trip cancellations, lost or stolen gear, and more. With the right coverage, you can travel with peace of mind, knowing that you're protected in case anything goes wrong.
However, not all motorcycle travel insurance policies are created equal. It's important to carefully review the coverage options and exclusions to ensure that you're getting the protection you need.
Why You Need Motorcycle Travel Insurance
Coverage benefits.
Traveling on a motorcycle can be an exciting and adventurous way to explore new places. However, it also comes with its own set of risks. Motorcycle travel insurance can provide coverage for a variety of benefits, including:
- Emergency medical expenses
- Cancellation or interruption of your trip
- Lost or stolen luggage and personal belongings
- Emergency evacuation and repatriation
- Accidental death and dismemberment
Having these benefits can give you peace of mind while traveling, knowing that you are protected in case of unexpected events.
Common Risks
Motorcycle travel can be riskier than other forms of travel. Some common risks that motorcycle travelers face include:
- Accidents and injuries
- Illness or medical emergencies
- Theft or loss of personal belongings
- Weather-related incidents
- Unforeseen trip cancellations or interruptions
Having motorcycle travel insurance can help mitigate these risks and provide protection in the event that something goes wrong during your trip.
Cost Comparison
The cost of motorcycle travel insurance can vary depending on a variety of factors, such as your age, destination, length of trip, and coverage options. However, it is important to compare the cost of insurance to the potential cost of not having it. For example, if you were to get injured or have to cancel your trip, the cost of medical expenses or lost deposits could far exceed the cost of insurance.
Comparing different insurance policies and providers can help you find the best coverage at a reasonable price. It is also important to read the fine print and understand exactly what is covered and what is not.
Types of Motorcycle Travel Insurance
Single trip insurance.
Single trip insurance is a great option for those who are planning on taking a one-time trip on their motorcycle. This type of insurance provides coverage for a specific trip, typically ranging from a few days to a few weeks. If you are planning a longer trip, you may want to consider annual insurance instead. Single trip insurance typically includes coverage for medical expenses, trip cancellation, and emergency assistance while on your trip.
Annual Insurance
Annual insurance is a good choice for those who plan to take multiple trips throughout the year. With annual insurance, you can take as many trips as you like within a 12-month period, with each trip typically lasting up to 90 days. This type of insurance provides coverage for medical expenses, trip cancellation, and emergency assistance, just like single trip insurance. It may also include coverage for personal belongings and rental vehicle excess.
Group Insurance
If you are planning a group motorcycle trip, you may want to consider group insurance. This type of insurance provides coverage for a group of people traveling together, typically up to 10 people. Group insurance can be customized to fit the specific needs of your group, and may include coverage for medical expenses, trip cancellation, and emergency assistance. It may also include coverage for personal belongings and rental vehicle excess.
How to Choose the Right Motorcycle Travel Insurance
Coverage limitations.
When choosing motorcycle travel insurance, it's important to consider the coverage limitations. Make sure the policy covers the countries you plan to visit and the activities you plan to do, such as off-road riding or racing. Additionally, check the policy's medical coverage, including emergency medical evacuation and repatriation. Look for a policy that covers the full cost of medical treatment, including hospitalization, doctor visits, and medication.
Exclusions are situations or circumstances that the policy does not cover. It's important to carefully read the policy's exclusions section to understand what is not covered. Common exclusions for motorcycle travel insurance include pre-existing medical conditions, reckless behavior, and participating in illegal activities. Additionally, some policies may exclude coverage for certain types of motorcycles or riding in certain areas.
Policy Inclusions
Policy inclusions are the benefits and features that are included in the policy. Look for a policy that includes coverage for trip cancellation or interruption, lost or stolen luggage, and trip delay. Additionally, consider policies that offer roadside assistance, rental vehicle coverage, and personal liability coverage. Make sure to read the policy's terms and conditions carefully to fully understand what is included. When choosing the right motorcycle travel insurance, it's important to consider your individual needs and circumstances. Carefully review the policy's coverage limitations, exclusions, and inclusions to ensure that you have the right coverage for your trip.
How to Buy Motorcycle Travel Insurance
Online purchase.
One of the most convenient ways to buy motorcycle travel insurance is online. Many insurance providers offer online purchase options, which allow you to compare different policies and prices and select the one that suits your needs the best. We like to use InsureMyTrip , they provide a really convenient way to comparison shop. Enter your information once and compare several companies.
To buy motorcycle travel insurance online, follow these simple steps:
- Visit the website of a reputable insurance provider - we like InsureMyTrip for the ease of comparing coverage
- Select the type of travel insurance you need (in this case, motorcycle travel insurance)
- Enter your travel dates and destination
- Choose the level of coverage you require
- Provide personal and travel details, such as your age, medical history, and trip itinerary
- Review the policy terms and conditions, and make sure you understand what is covered and what is not
- Make the payment using a secure online payment method, such as a credit card or PayPal
- Receive your policy documents via email or download them from the insurer's website
Through a Travel Agent
If you prefer to buy motorcycle travel insurance through a travel agent, you can do so by contacting a travel agency that specializes in adventure travel or motorcycle tours. These agents can help you find the right policy for your needs, and provide you with valuable advice on travel safety and health. To buy motorcycle travel insurance through a travel agent, follow these steps:
- Research travel agencies that specialize in motorcycle tours or adventure travel
- Contact the agency by phone or email, and explain your travel plans and insurance needs
- Ask the agent to provide you with different policy options and prices
- Compare the policies and select the one that provides the best coverage for your trip
- Provide the agent with your personal and travel details, and make the payment
- Receive your policy documents from the agent, either via email or in person
Through an Insurance Broke r
If you want to buy motorcycle travel insurance through an insurance broker, you can do so by contacting a licensed insurance broker in your area. These brokers can help you find the right policy for your needs, and provide you with expert advice on insurance options and requirements. To buy motorcycle travel insurance through an insurance broker, follow these steps:
- Research licensed insurance brokers in your area
- Contact the broker by phone or email, and explain your travel plans and insurance needs
- Ask the broker to provide you with different policy options and prices
- Provide the broker with your personal and travel details, and make the payment
- Receive your policy documents from the broker, either via email or in person
Don't Overlook Travel Insurance - It's better to have it and not need it!
You should not overlook travel insurance for your upcoming trip. We have partnered with InsureMyTrip , because they are the best option to compare plans and find the right coverage for you. They have thousands of travel insurance plans and a one-of-a-kind recommendation engine to help travelers find the right plan. Most importantly, they will be there for you before, during, and after your trip if you should need anything - especially help with a claim with the provider.
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Motorcycle Insurance For International Travel
If you’re desiring to roll some serious mileage on two wheels but the roadways leading to all the familiar haunts (Sturgis, Daytona, Laguna Seca, et al.) are seeming somewhat lackluster, the cure may be to ride outside your national comfort zone and travel abroad. A foreign escapade brings with it a litany of uncertainties, one being insurance and how to make sure you’re covered in the worst-case scenario, a long way from home in a place where English isn’t the ubiquitous language.
The easiest route for Americans is to simply pack up your bike and head north, eh. As similar as it may be, Canada is a foreign country, and for anyone wanting a trial run to familiarize oneself with passports, border crossings, metric road signs, currency exchange and the looming thrill of getting lost, Canada provides a relatively safe environment in which to experiment. And, to simplify the matter even further, most insurance policies cover you and your bike while in Canada. But don’t just assume, place a quick call to your insurance provider to first confirm you’re covered before riding out.
Although a part of the North American continent, traveling south to Mexico will provide a greater level of unfamiliarity than a Canadian experience. Not only are roadsigns metric, they’re written in Spanish and the deeper south you ride the less spoken English you’ll hear. You’ll certainly want to establish the terms of your insurance policy and examine purchasing additional coverage prior to crossing the border.
When traveling, also consider purchasing international medical insurance, which can provide coverage for emergency medical, evacuation and repatriation while traveling outside your home country. Emergency medical evacuations will get you out of a remote area and transported to a place where you can receive proper medical care, while repatriation coverage ensures your body will be properly transported home or to a nearby funeral home.
Travel medical insurance generally provides for:
- Reimbursement for unexpected medical and dental costs
- Help obtaining emergency medical transportation when you are injured
- Payment for emergency medical evacuation services, including medical care
- Emergency travel assistance to help you locate a local medical facility
- Accidental death and dismemberment to help take care of your family if you are seriously injured or killed while traveling
If you plan on taking an overseas trip, the expense of such an endeavor requires you to consider trip-cancellation insurance. Trip cancellation (and trip interruption) insurance provides reimbursement of prepaid nonrefundable costs in the case of a cancellation or interruption due to a covered reason. With trip cancellation insurance, an unexpected occurrence such as illness, a visa or passport delay, business conflict, etc., will not cause you to forfeit a large sum of money.
When traveling to a country with an unrideable ocean in between, a motorcyclist must consider whether to ship his own bike or rent a motorcycle upon arrival. Another consideration is touring solo or purchasing a spot in a tour group such as Edelweiss .
If you plan to ship your own bike, the same advice above applies: check with your insurance provider to understand your current coverage and whether or not you need to purchase special international insurance, travel medical insurance, and trip cancellation insurance. If you’re traveling with a tour group and using one of their motorcycles, insurance for the bike is usually provided by way of your deposit. Traveling with a tour company also helps lessen the pressure and anxiety of touring in a foreign country with different laws, languages, procedures, money – they may even have you riding on the wrong side of the road.
Lastly, consider purchasing either a temporary international plan for your cell phone or a prepaid, disposable phone when you arrive. It also never hurts to have a good motorcycle GPS. Safe travels!
A former Motorcycle.com staffer who has gone on to greener pastures, Tom Roderick still can't get the motorcycle bug out of his system. And honestly, we still miss having him around. Tom is now a regular freelance writer and tester for Motorcycle.com when his schedule allows, and his experience, riding ability, writing talent, and quick wit are still a joy to have – even if we don't get to experience it as much as we used to.
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Looking for motorcycle travel insurance that covers you worldwide? Find out what coverage is available for domestic & international motorcycle trips.
Motorcycle travel insurance is essential for anyone who plans on booking a motorcycle holiday or taking their motorbike touring abroad. This includes anyone who plans on touring on their motorcycle, taking biking road trips, off-road motorbiking, and participating in track days.
Find out how motorcycle travel insurance could give you extra protection if you’re on holiday and riding your motorbike abroad.
Protect yourself and your bike on your next motorcycle adventure with motorcycle travel insurance. From medical expenses to lost luggage, get the coverage you need for peace of mind. Compare policies and find the right one for you.
Compare travel insurance & motorcycle insurance for your motorcycle holiday and stay protected when riding a scooter, moped or motorbike abroad.
When traveling to a country with an unrideable ocean in between, a motorcyclist must consider whether to ship his own bike or rent a motorcycle upon arrival. Another consideration is touring solo or purchasing a spot in a tour group such as Edelweiss.