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  #1  
Old 4 Jan 2002
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Motorcycle Insurance: For a Canadian bike in Europe

Hello All:

I plan to ship my ST1100 to Europe this summer (summer of 2002) for 8 to 12 weeks of travel through Central and Western Europe.

I did this last year, and purchased 'temporary' full coverage insurance (liability, theft, comprehensive) for the trip from Motorcycle Express (Michael Mandell) in New York, USA. This insurance coverage met all of my needs and covered every country from the UK to Israel, but it was very expensive - about US$ 600 for two months coverage.

This price was actually more than I pay for a full year of the same coverage of insurance in Canada, where I live. I have since spoken to friends in different European countries who have the same motorcycle and risk profile as I do (e.g. the same age, riding experience, etc.) and they also pay, annually, less than US$ 600 for full coverage.

Does anyone know of an insurance company in Europe that would be willing to provide full coverage insurance for a motorcycle that is registered in Canada, but operated in Europe? By full coverage, I mean not only liability, but theft and collision coverage.

I'm not unhappy with Motorcycle Express - for short term coverage, I'm sure it is more economical to purchase their 'temporary' coverage than it is to look around on one's own. But, if I could find a company in Europe that would be willing to write a policy for me for 3 months, I would be very happy. In fact, if I could find a company that would sell me a whole year's coverage at the same price as they charge a local rider, it would probably be less expensive than buying this temporary coverage here in North America.

All responses and suggestions would be appreciated.
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  #2  
Old 6 Feb 2002
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Check this recent post on a company offering vehicle insurance to non-UK residents, maybe of help.
http://www.horizonsunlimited.com/ubb...ML/000078.html

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  #3  
Old 6 Feb 2002
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If you send me your "spec's" I'll check out some local company's and let you know the prices.

Maarten
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  #4  
Old 17 Feb 2002
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Hi Maartin:

That would be very kind of you to check for me. Here is the basic information:

Bike: 2001 Honda ST1100 ABS (PanEuropean). Clear title, no liens. Plated in Ontario, Canada.

Rider: 47 year old male, 30 years motorcycle experience, no accidents or tickets in last 10 years. Canadian Driver's licence and IDP. Currently fully insured in Canada.

Insurance Needs: Full coverage (liability, fire, theft, collision, the whole works) for about 3 months, valid in all of Western & Central Europe, also Morocco, Tunisia and Libya. Coverage not needed for Bosnia & Herzegovnia or Jugoslavia (Serbia).

Best quote I have found so far for 'temporary' insurance is about US$ 800.- for three months, and this is with a deductable of 20% of the value of the bike. I am hoping I can do better.
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  #5  
Old 22 Feb 2002
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Bad news...

I tried several insurance company's, but not one can make an offer.
You need to have a dutch adress to be accepted.
I am sorry to dissapoint you.

Maarten
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  #6  
Old 22 Feb 2002
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Maartin:

Thanks very much for checking into that for me, that was very kind of you. Do you know if the insurance companies would be willing to insure the bike, with Canadian plates on it, if I did have a legitimate second address in Holland?

Michael

[This message has been edited by PanEuropean (edited 22 February 2002).]
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  #7  
Old 23 Feb 2002
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"http://www.downunderinsurance.co.uk will do a policy for tourists in the UK. They definitely fill a gap in the market because trying to get insurance without being resident for years and having a UK address is a nightmare here. Hope this helps. Mike"

I have checked out their site, but don't know what the cost would be. I sent them an e-mail with your details, I'll let you know what they come back with.

Susan




[This message has been edited by Susan (edited 22 February 2002).]
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  #8  
Old 23 Feb 2002
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Michael, I'll check for that first thing monday... but I have a bad feeling about it becourse a dutch residant is not alowed to drive a foreign registered vehicle... but.. as we say in holland: you never know how a cow catches a rabit.

Maarten
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  #9  
Old 23 Feb 2002
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Micheal and Maarten
I had a freind from NZ ship his bike here to Holland 7 years ago for a trip round Europe. The shipping/clearence agents put him in touch with a company in Doordrecht for insurance which came to 200us for 3 months. Bit pricey, but worth it. However I havnt got a clue which company it was, but I can have a go to find out.
Andy
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  #10  
Old 23 Feb 2002
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Hi Andy:

I would be very grateful if you could check and see if this coverage is still available. I paid $600 US for 2 months coverage last summer (2001) so the price your friend paid is not very high by comparison.

Michael
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  #11  
Old 27 Feb 2002
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Michael, forget DownUnderInsurance, notwithstanding my earlier post. Here's the response to my e-mail:

Quote:
-----Original Message-----
From: Stuart Jones [mailto:stuart@duinsure.com]
Sent: 26-Feb-02 1:57 AM
To: Susan@HorizonsUnlimited.com
Subject: Insurance for a Canadian registered motorcycle in the UK


Hi Susan,

Thanks for your email. Unfortunately we do not have any cover available for Motorcycles not registered in the UK. If the Motorcycle was registered in the UK the maximum time period we could cover in Europe would be 3 months.
The cover we advertise for European touring is for Vans and Cars.

If you are having difficulty finding an insurer for the motorcycle, you might like to try the Association of British Insurers on 0207 600 3333. They are an information service for Insurers and may be able to suggest another option you can try.

Good luck.

Regards
Stu Jones
Insurance Consultant

Downunder Insurance
3 Spring Street
Paddington
London W2 3RA
phone 0207 402 9211
fax 0207 402 9272


-----Original Message-----
From: Susan Johnson [mailto:Susan@HorizonsUnlimited.com]
Sent: 22 February 2002 20:29
To: info@duinsure.com
Subject: Insurance for a Canadian registered motorcycle in the UK


Can you advise whether coverage is available and the price for motor insurance on a Canadian registered motorcycle for UK and European travel.

Here is the basic information:

Bike: 2001 Honda ST1100 ABS (PanEuropean). Clear title, no liens. Plated in Ontario, Canada.

Rider: 47 year old male, 30 years motorcycle experience, no accidents or tickets in last 10 years. Canadian Driver's licence and IDP. Currently fully insured in Canada.

Insurance Needs: Full coverage (liability, fire, theft, collision, the whole works) for about 3 months, valid in all of Western & Central Europe, also Morocco, Tunisia and Libya.

Coverage NOT needed for Bosnia & Herzegovnia or Yugoslavia (Serbia).

Please advise price and deductible.

Thanks
Susan
[This message has been edited by Susan (edited 26 February 2002).]
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  #12  
Old 27 Feb 2002
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Wasn't there a list of companies in Europe by Motorcycle? I don't have my copy with me, but if no one finds any other info I can post it. I do remember that he said it was the cheapest way to go and if you can avoid the American companies.
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  #13  
Old 27 Feb 2002
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Hi Edward:

Thanks for the suggestion - I will try to get the book and have a look. If anyone has the book, and can post the ISBN so I can order one more easily at my bookseller, I would appreciate that.
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  #14  
Old 28 Feb 2002
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Europe by Motorcycle is one of Greg Frazier's books. It's available from him directly through this link: http://www.horizonsunlimited.com/gregfrazier/europe.htm

BUT, I am sitting with my copy in front of me, and the only European agency Greg mentions is ADAC. He also lists three US agencies:

Sunrise Financial Concepts
800-478-7648
407-865-7995
Fax 407-865-7011

Berglund Insurance
800-537-2555
602-949-1034
Fax 602-994-0321

and Mike Mandell, who you've already been dealing with.

"I have purchased my insurance from two different companies and was paying approximately $220 for one month's liability insurance on a 1986 motorcycle from one company and $280 from another. Then I discovered I could walk into any ADAC office in Germany and buy the same coverage for $40.00. Needless to say I quit using the US agencies."

Has anyone checked whether ADAC will offer more than just liability insurance coverage?

Susan
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  #15  
Old 28 Feb 2002
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Susan:

Thanks for the book info. I think I will go to ADAC in Konstanz, Germany this afternoon and check with them about additional insurance coverage. They are only about a half an hour drive from where I am now.
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