Go Back   Horizons Unlimited - The HUBB > Planning, Trip > Trip Paperwork

Trip Paperwork Covers all documentation, carnets, customs and country requirements, how to deal with insurance etc.
Contact Overland Solutions for all your custom modifications and setup for overland travel.

LinkBack Thread Tools Display Modes
Old 2 May 2008
palace15's Avatar
Registered Users
Veteran HUBBer
Join Date: Feb 2005
Location: LONDONISTAN, England
Posts: 1,044
Read and ask questions!

I thought I’d just like to post a warning to anyone insured with ‘Carole Nash’ in the UK. Check the wording and ask questions when insuring/renewing with them, a couple of years back I noticed that cover did not include ‘commuting’ when I questioned this I was told I had not asked for that, but they could add it at NO extra cost, this year, BTW I am ‘fully comp’ upon renewing they went over the details of my bikes and one of them is down as ‘not covered for pillions’?. This cover was also added at NO extra cost! Then it was pointed out to me that the insurer (Norwich Union) in the event of a ‘total loss’ accident claim I would not be entitled to buy back the salvage, I pointed out that on 2 of my bikes this would be ok but not for my BMW or Diesel machines, the broker would not budge on this issue so I informed them that if ever this scenario arose I would pursue it through a solicitor, possibly theirs, as I have 50k of legal protection with the policy. Although I have enthused about the ‘Carole Nash’ European breakdown cover, to which 4 of my friends have been grateful for, I believe they either have ‘ill’ trained staff or have dubious ethics, at another renewal I found out that after I’d had a bike removed from my policy due to selling it they had also removed another, although they apologised and said ‘I would have covered’ in the event of a claim, I found that sentence was fine at renewal time but feel I’d have had a major problem had a claim been lodged.
'He who laughs last, was too slow to get the joke'
Never confuse the map with the journey.
Reply With Quote
Old 3 May 2008
Registered Users
Veteran HUBBer
Join Date: Mar 2007
Location: UK
Posts: 3,370
Just can't get the staff nowadays!

I believe a problem is that everyone and anyone is an insurance agent nowadays: a few years ago, you just walked into the local branch of Norwich Union, or one of the others, and did it yourself. Now you can't deal with an ins company direct.

Hence, I like eBike Insurance - Bike and Classic Bike Insurance from eBike Insurance because I have complete control over my own insurance, albeit that it is still through a broker, ebike.

The last time I changed my bike, I did the whole insurance thing myself online and I didn't charge myself for my time either: neither did ebike charge me.
This was at around 01.00 am - try getting a broker to do that for you.
Reply With Quote
Old 3 May 2008
Posts: n/a
Remember the good old days, when there was only a choice of two insurances to buy with NU, up to 350cc and unlimited cc

Now it is a mine field. You have to be on the ball as it is complicated. I have queried this pillion cover as I thought this was a requirement by law.

I can't see things being simplified, some time it appears that they just add these clauses just to get out of a claim,
Other thing to consider choosing a company,
Green cards.
Annual mileage resrictions
Time limits on continental cover & number of trips.
Accessories and modifications.

Still surprises me the number of riders who don't know the difference between a broker and insurance company.

Reply With Quote
Old 3 May 2008
Registered Users
Veteran HUBBer
Join Date: Apr 2005
Location: Oxford UK
Posts: 991
If you frequent any of the other bike forums (eg Visordown etc) you'll see loads of posts slagging off just about all the brokers so I'm not sure any of them are better than the others.

As a friend of mine knows Carole Nash pretty well I thought I'd try them first (even though she's now sold the business) for the five bikes I wanted to insure recently but they were hopelessly expensive with loads of restrictions that Footman James at a third of the price didn't have.
When the policy arrived I spent an hour going through the small print trying to work out what hidden catches were submerged in it. The pillion restriction is a new one on me though.

Four of the bikes are classic bikes and on one policy with FJ. Reading the reams of paper that they sent me it seems that they've used three different insurance companies to put together a kind of "pick and mix" policy and that different bikes may be insured with different companies (something that the sales guy told me on the phone might be the case). When they're doing something as complicated as this in real time on the phone I'm not surprised odd conditions creep in.
Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 Registered Users and/or Members and 1 guests)
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

Similar Threads
Thread Thread Starter Forum Replies Last Post
Can anyone read Arabic? Mombassa Travellers' questions that don't fit anywhere else 8 21 Feb 2006 17:15
Did y'all read...... 2goose Northern Asia 14 18 Jun 2005 03:30
UK citizens need to read this Steve Pickford Trip Paperwork 0 1 Mar 2005 15:45
And again : R80GS or R100GS ? (read on!) motorcycleboy BMW Tech 4 14 Feb 2005 19:58
where do I learn to read a map alan hopkins Navigation - Maps, Compass, GPS 11 29 Oct 2004 23:22


HU DVD Summer Special!

Now that summer is here, get On the Road! Take 30% off the Achievable Dream - On the Road! 2-DVD set until August 31 only. Get On the Road! Learn the tips to staying healthy, happy and secure on your motorcycle adventure!

Our veteran travellers share their tips (and great stories) for staying healthy, happy and secure on your motorcycle adventure.

"A fantastic, informative and inspirational DVD."

"It's brilliant - thank you very much!"

Check it out at the HU Store! Remember to use Coupon Code 'ONTHEROAD' on your order when you checkout.

Renedian Adventures

Renedian Adventures

What others say about HU...

"I just wanted to say thanks for doing this and sharing so much with the rest of us." Dave, USA

"Your website is a mecca of valuable information and the DVD series is informative, entertaining, and inspiring! The new look of the website is very impressive, updated and catchy. Thank you so very much!" Jennifer, Canada

"...Great site. Keep up the good work." Murray and Carmen, Australia

"We just finished a 7 month 22,000+ mile scouting trip from Alaska to the bottom of Chile and I can't tell you how many times we referred to your site for help. From how to adjust your valves, to where to stay in the back country of Peru. Horizons Unlimited was a key player in our success. Motorcycle enthusiasts from around the world are in debt to your services." Alaska Riders

contest pic

10th Annual HU Travellers Photo Contest is on now! This is an opportunity for YOU to show us your best photos and win prizes!

NEW! HU 2014 Adventure Travel T-shirts! are now available in several colors! Be the first kid on your block to have them! New lower prices on synths!

HU 2014 T-shirts now in!

Check out the new Gildan Performance cotton-feel t-shirt - 100% poly, feels like soft cotton!

What turns you on to motorcycle travel?

Global Rescue, WORLDwide evacuation services for EVERYONE

Global Rescue is the premier provider of medical, security and evacuation services worldwide and is the only company that will come to you, wherever you are, and evacuate you to your home hospital of choice. Additionally, Global Rescue places no restrictions on country of citizenship - all nationalities are eligible to sign-up!

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 R80 G/S motorcycle.

Susan and Grant Johnson 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 (22 this year!); 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, the HUBB or to receive the e-zine. 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.

Books & DVDs


All the best travel books and videos listed and often reviewed on HU's famous Books page. Check it out and get great travel books from all over the world.

Motorcycle Express for shipping and insurance!

Motorcycle Express

MC Air Shipping, (uncrated) USA / Canada / Europe and other areas. Be sure to say "Horizons Unlimited" to get your $25 discount on Shipping!
Insurance - see: For foreigners traveling in US and Canada and for Americans and Canadians traveling in other countries, then mail it to MC Express and get your HU $15 discount!

All times are GMT +1. The time now is 11:19.