Originally Posted by Ben.Sinton
Reasonably fairly quite stupid at these things, what sort of travel insurance would I need for the myself, I have registration and bike insurance for the year in Australia though not sure how good that is once I leave kangaroo land.
For yourself, a travel insurance, that covers you also, when you ride a motorcycle with the cubic capacity, that your bike has, covers your medical costs without an upper limit, and also covers, if your condition requires a med-evac flight to another country for better treatment. And must naturally be valid for all countries, that you plan to go to (some crisis areas could be a problem). But be sure to check all these carefully from the terms, before you buy. And then there´s also all valuable items, that you´ll carry with you, those should be covered by your travel insurance. Compared to the possible costs of a major medical emergency, that is a minor worry, unless you happen to have something really expensive with you, like professional TV equipment. But anyway it´s something worth checking.
For your bike, your current insurance is usually only valid for the continent, where you live in. And it does get more complicated, once you go outside Oz, Europe, US, Canada and a few other “western” countries. Usually you can only get a basic 3rd party traffic insurance, that, depending on the country, is either required by law, or not. You buy it at the borders, or first town inside the country. Probably no-one can tell you, if such insurance would actually work in reality, unless you have an accident. Even in the best case, compensation limits are probably very low. And it does not cover you or your own vehicle in any way. And most locals won´t have insurance, so it would be almost impossible to get any compensation from them, no matter what happened. Sorting out a major traffic accident with the local police and judiciary, when you don´t speak the same language, and it´s obvious you have more money than the locals – good luck with that! So rule # 1 is: don´t have an accident, and especially don´t have one, where other persons, or their vehicles
or animals get hurt, you´ll be in a lot of trouble.
Don´t mean to scare you with what I said above, most travellers have a great trip, and get home without any such problems. But it is good to think about these things, and accept the risk, before you go.
edit. there are a few companies, that might be able to offer you a sort of more ´universal´ traffic insurance, but don´t expect that to be valid everywhere (or to be cheap). For example: