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.

Like Tree2Likes

Reply
 
LinkBack Thread Tools Display Modes
  #16  
Old 26 May 2012
Gold Member
Veteran HUBBer
 
Join Date: Jul 2008
Location: SoOrange NJ USA
Posts: 297
Quote:
Originally Posted by Scootergal View Post
UK insurance for a foreigner is a minefield.
I (wrongly) thought that if I left the registration in a UK resident's name, that it would be easier to have me added as an additional rider.

I had one company who said they would do it then reneged at the last minute.
I had one company that said if I got a UK licence then they would cover me. But I am not entitled to a UK licence unless I surrender my Aussie licence and apply for residency.
I had 20 companies that said a flat NO as soon as I said I was from Australia.

I was given the number of a Broker - who cut through all the red tape and got me what I needed. He is a biker himself and took care of everything with one phone call and some emailed paperwork. Too easy!
I honestly disclosed to him all my plans and did not try to bypass the system - it probably cost me a bit more but it is well worth it to avoid the headaches.

The insurance also came with AA Breakdown Cover for the UK and I paid extra to get 90 days breakdown cover in the EU

With his permission - his contact details are:
St.John Canfield-Payne
CanfieldPayne Insurance Consultants Ltd
Tel: 01342 302422 Fax: 01342 301432
The Cravens, Ship Street, East Grinstead, RH19 4DX
jcpayne.canpayne@tamcentraluk.com
We always offer competitive premiums for all types of commercial, motor, household, travel and private medical insurances



Perhaps some other travellers/ foreigners will be able to navigate the minefield more successfully with St.John's help.
The broker contact info is very helpful.
It would be even more helpful if you (happen to) know, or could find
out, what is the UK underwriter for the policy that
the broker obtained.
Reply With Quote
  #17  
Old 26 May 2012
Registered Users
Veteran HUBBer
 
Join Date: May 2012
Location: On the road around Oz
Posts: 135
Quote:
Originally Posted by CourtFisher View Post
The broker contact info is very helpful.
It would be even more helpful if you (happen to) know, or could find
out, what is the UK underwriter for the policy that
the broker obtained.
Aviva. But when I had rung them directly (prior to finding StJohn) they only offered 30 days coverage in EU tops. It was StJohn who understood my circumstances, listened to my needs and negotiated the contract.
Reply With Quote
  #18  
Old 3 Sep 2012
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 3,337
Quote:
Originally Posted by Scootergal View Post

The insurance also came with AA Breakdown Cover for the UK and I paid extra to get 90 days breakdown cover in the EU
That seems to be a common insurance "scam" with the UK market; I can understand why it is done - basically loads of Brits take a couple of weeks holiday/vacation in mainland Europe once, or twice, per year.


Quote:
Originally Posted by Scootergal View Post
Aviva. But when I had rung them directly (prior to finding StJohn) they only offered 30 days coverage in EU tops. It was StJohn who understood my circumstances, listened to my needs and negotiated the contract.
Yep, I use ebike as a totally online broker (there is not even a phone number for getting quotes etc) because the policy covers me for 365 days per year riding in Europe.
When I first took out a policy with them it did not include this, but they offered another underwriter when renewal time came around and they wanted to get the annual payment from me - that is the time to insist that you get the exact policy you need (it is then that ebike have a phone number for negotiations ;-)
__________________
Dave
Reply With Quote
  #19  
Old 4 Oct 2012
Registered Users
HUBB regular
 
Join Date: Oct 2006
Location: scotland
Posts: 74
MCE Scam

We recently took a policy with MCE. We found out when the paperwork arrived that the recovery insurance was only for a 10 mile radius of our home. When we contacted them they said that this was our problem and we should have asked for more details when we were told the policy included breakdown cover, of course it would be no problem to upgrade for MORE money sir!
__________________
www.adventuresidecar.co.uk
Reply With Quote
  #20  
Old 5 Oct 2012
Registered Users
HUBB regular
 
Join Date: Jun 2010
Location: Bristol, UK
Posts: 36
I'm also with MCE. I would be tempted to call them the most dishonest bunch of thieves around, but since that description could be applied to any insurance company I won't bother.

A few months ago I changed from one 2001 Transalp to another 2001 Transalp. Exactly the same model and age. The new one had better security (alarm) and I valued it at less than the old one. At the same time I moved to a (significantly) safer postcode. MCE increased my premium. A lot. And they charged me a £40 admin fee. I gave them £40 to allow them to charge me more money.

Before that I was with Bikesure. When my bike was stolen I ended up paying £700 out of my own pocket for recovery and repairs because the hit I would have taken when making a claim would have been greater (£350 excess, loss of no claims, increased premiums and having to declare the claim on every quote for the next 5 years). £700 for being a victim of crime. Bloody marvellous. I understand that insurance companies exist to make a profit, just like any other company, and that no company can make a profit by giving out lots of money. But when someone offers to take on the risk of something bad happening I expect them to do just that, not weasel out as soon as they are called upon to provide the service they have promised.

Frankly, the only reason I have insurance is because I am legally obliged to. No other reason. It is a complete waste of money. I have reduced my policy to the bare minimum and will always search out the cheapest premium because I know insurance is just throwing my money away. I am convinced that if I ever do cause damage to another persons property through my own wrong doing my insurers will not pay for the repairs.
__________________
Don't go right
Reply With Quote
  #21  
Old 10 Oct 2012
Moderator, Contributing Member
Veteran HUBBer
 
Join Date: Sep 2005
Location: Lancashire England
Posts: 286
Morning Guys n Gals,

my experience with my own insurers has been the opposite to other posts here.

I've been covered through the Be Wiser brokers for the last 5 or so years.

They were quick to offer quotations on my imported bikes (Yamaha Serows), didn't have a problem with my annual mileage of 25,000 miles (OK they did charge extra for it) and have been prompt in emailing documents directly to me.

I've got protected NCB, an all sections X/S of £250 (without any other excess's) and breakdown cover included. I had to laugh when they said I'd got handbag and gadget cover of £200 (what sort of a bloke do they think I am?).

I've been involved in two claims with them, the first where I was hit whilst stationary at traffic lights (on red) and the repairs were quickly sorted out and they arranged the uninsured loss recovery. The second when I was hit by a white van driving t**t, who did a runner and left me out cold on the road. My bike was written off in this incident and they paid me a fair price, in good time.

OK the prices have gone up a bit over the last two years but I'm more than happy to use them.

Am I the odd one out here?

Regards

Reggie
Reply With Quote
  #22  
Old 19 Feb 2013
Registered Users
HUBB regular
 
Join Date: Jan 2013
Location: Angouleme, France
Posts: 42
Extended Euro insurance

oops error in posting

Last edited by Stray Dog; 19 Feb 2013 at 10:24. Reason: wrong place post
Reply With Quote
  #23  
Old 11 Mar 2013
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 3,337
Quote:
Originally Posted by The Cameraman View Post
Am I the odd one out here?
Possibly/probably!

There is a short thread here with yet another sad tale of utter incompetence by a broker (again, Carole Nash) who had to refer back to the actual insurance company to find out what is a basic condition of insurance (the whole business of minimum insurance cover within the EU).
http://www.horizonsunlimited.com/hub...nsurance-69292

Their service appears to have degenerated, ever since Carole Nash "sold out" as a specialist motorcycle insurer and switched to becoming just one of dozens of intermediaries for any form of motor insurance.
__________________
Dave
Reply With Quote
  #24  
Old 18 Jul 2013
Registered Users
New on the HUBB
 
Join Date: Dec 2012
Location: Southampton, UK.
Posts: 5
Sign of the times

Trying to help an Australian biker with a similar issue, and following this thread I contacted St. John ... helpful chap, but not very hopeful.
So then I called Aviva directly ... I guess its a sign of the times that you now get a selection of music you can choose from while they put u on hold.
Made me smile anyway ... suppose that's their idea of "continual improvements in customer service" .
Anyone remember the Man from the Pru, who came to your house...
yes, I know, we all pay less now ... allegedly
Russ
__________________
Reply With Quote
  #25  
Old 18 Jul 2013
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 3,337
[QUOTE=Walkabout;391333]
Yep, I use ebike as a totally online broker (there is not even a phone number for getting quotes etc) QUOTE]

I recently renewed my annual insurance with ebike; the quote cost rose a bit this year, but, considered overall, I decided to hang in there for another year - I may put in more effort next time around to get a wider range of quotes.

Quote:
Originally Posted by Russ McDermid View Post
Trying to help an Australian biker with a similar issue, and following this thread I contacted St. John ... helpful chap, but not very hopeful.
So then I called Aviva directly ... I guess its a sign of the times that you now get a selection of music you can choose from while they put u on hold.
Made me smile anyway ... suppose that's their idea of "continual improvements in customer service" .
Anyone remember the Man from the Pru, who came to your house...
yes, I know, we all pay less now ... allegedly
Russ
There are some recommendations in here which might provide some leads:-
Motorcycle Insurance - Best Reviews of 2012 & 2013 at Review Centre

IMO, where there is a small number of reviews only then it has to be taken as dubious, at best.

ps getting green card cover shouldn't be all that much of an issue; fully comprehensive cover is a different proposition all together.
__________________
Dave

Last edited by Walkabout; 18 Jul 2013 at 14:40. Reason: ps added
Reply With Quote
  #26  
Old 18 Jul 2013
mustaphapint's Avatar
Gold Member
Veteran HUBBer
 
Join Date: Oct 2005
Location: Hampshire, UK
Posts: 398
On the whole I can only say good things about ebike. Being able to insure 4 bikes with up to 4 riders on one policy has saved us a lot of money over the last few years. One problem we had about 3 years ago was when my daughter insured her bike. She had passed her test on her 18th birthday and when filling in the details to re-insure her 125 not long before her 22nd birthday claimed she'd had a full bike licence for 3 full years. On receiving a copy of her licence ebike complained she'd lied on her application as technically she'd only had a full licence for 1 year because she'd had a restricted licence for the first 2 years and they charged an extra £30 for "admin" costs to correct the discrepancy. We had no choice other than to pay or they were going to cancel the insurance. I offset this against the money we'd saved between my wife and I over the previous years by insuring both our Harleys on one policy instead of 2 with our previous insurers and decided it wasn't worth getting too upset about it. We did have to make a claim on my policy once and I can't fault the way ebike handled it. I didn't even lose my no-claims.
I have nothing but contempt for Bennetts though, again because of my daughter's insurance. Bennetts offered her the best quote for her 2nd year of riding just before she went to university in Edinburgh so we took it. A few months later she started at Edinburgh uni and took the bike with her. I rang up on her behalf to tell them she had relocated and at first they refused to talk to me as I wasn't the policy holder but eventually told me that there was a £40 admin fee to notify them of the change of location and that they would need to be told whenever she brought the bike home for summer, xmas and easter nad back again to uni and would charge £40 for each change, which would more than triple the annual premium cost. Naturally they refused to accept me giving instructions to cancel the policy and my daughter had to spend over £10 in mobile phone charges to do it herself. We've been with ebike ever since, who don't charge for small admin changes like this.
After my experience with Bennetts and their obnoxious attitude to my phone calls will never ever consider using them again regardless of how much money I might save.
Reply With Quote
  #27  
Old 19 Jul 2013
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 3,337
Quote:
Originally Posted by mustaphapint View Post
On the whole I can only say good things about ebike.
On the whole I have done much the same, and I have insured bikes with them for quite a few years for the same reasons.

It has to be recognised though that the brokers are little more than call centres nowadays; for instance, when a claim is implemented your case is passed on, immediately, to another intermediary - a claim specialist company contracted to the insurance broker/underwriter to carry out the negotiations (many years ago, I learnt this hard lesson via a claim based on car insurance with Directline - I did most of the "legwork" myself!).
__________________
Dave
Reply With Quote
  #28  
Old 19 Jul 2013
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 3,337
More experience with a UK insurance product

There is an account of UK based insurance experience in this thread which may be of value to some folks:-
http://www.horizonsunlimited.com/hub...p-needed-71169
__________________
Dave
Reply With Quote
  #29  
Old 8 Feb 2014
Registered Users
HUBB regular
 
Join Date: Jan 2012
Location: Holywood
Posts: 34
e-bike

Hi,
Need some help on long term fully comp cover for touring Europe.
I think e-bike has change an underwriter, and they now offered me 365 days full cover per year, but each trip can only last a max of one month, after which I have to return to the UK, of fall back to the EU legal minimum!

Anyone know a company that will offer long stay cover?
Kinda wary of some EU based ones which may or may not be worth the paper they are printed on; sceptical old me!
What ever happened to EU harmonisation!

Trawled the internet, but no luck.
Reply With Quote
  #30  
Old 30 Mar 2014
Registered Users
New on the HUBB
 
Join Date: Mar 2014
Location: somewhere with the bike
Posts: 5
Great Info .

thanks alot
tschuss
Reply With Quote
Reply

Tags
agents, brokers, insurance


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


 
 
 

NEW! HU 2015 Motorcycle Adventure Travel Calendar is now available! Get your copy now for some terrific travel inspiration!

HUGE, 11.5 x 16.5 inches, beautifully printed in Germany on top quality stock! Photos are the winning images from over 600 entries in the 9th Annual HU Photo Contest!

Horizons Unlimited 2015 Motorcycle Adventure Travel Calendar.

"The calendar is magnificent!"

"I just wanted to say how much I'm loving the new, larger calendar!"

We share the profit with the winning photographers. YOU could be in the HU Calendar too - enter here!


HU DVD Autumn Special!

Take 40% off Road Heroes Part 1 until October 31 only!

Road Heroes features tales of adventure, joy and sheer terror by veteran travellers Peter and Kay Forwood (193 countries two-up on a Harley); Dr. Greg Frazier (5 times RTW); Tiffany Coates (RTW solo female); and Rene Cormier (University of Gravel Roads).

The first in an exciting new series, Road Heroes features tales of adventure, joy and sheer terror by veteran travellers."Inspiring and hilarious!"

"I loved watching this DVD!"

"Lots of amazing stories and even more amazing photographs, it's great fun and very inspirational."

"Wonderful entertainment!"

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



Scottoiler automatic chain oilers. The most important accessory for your next motorcycle adventure!


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

amazon

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 09:24.