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Safety & Health on the Road
Medical InsuranceMany insurers consider motorcycling to be a hazardous activity, (I can't imagine why) and you must check the fine print of any online quote for exclusions to ensure you will have coverage. A favourite insurers trick is to say "yes we cover motorcycles" and when you check the fine print you discover the fine print: "up to 125cc". They aren't thinking long term big bike trips but riding around a Caribbean island on a scooter while on holidays. We try to list the various insurers who provide long-term cover (up to 2 years) which does not exclude motorcycling, and we try document what nationalities they cover, and the rates for various ages and areas so you can determine costs. If you find any information to add or contradict the listings below, please let us know! The following article is from BootsnAll.com. Travel Insurance: To Buy or Not to Buy?
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| MedjetAssist Medical Evacuation Insurance |
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By GJAdmin at 2008 Apr 11 - 18:55
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We are VERY pleased to annnounce that we have arranged with MedjetAssist a program especially for Horizons Unlimited people. |
| Knopf Tours |
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By GJAdmin at 2008 Apr 2 - 16:38
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Stefan Knopf at KnopfTours.com can arrange your green card insurance without you being in Germany. |
| World Nomads |
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By GJAdmin at 2008 Apr 2 - 15:14
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"World Nomads cover is specially designed for adventurous independent travellers.... We cover overseas medical expenses and evacuation in the event of emergencies, and offer luggage cover that can include laptops, digital cameras and iPods." Maria Robinson from London, Surrey, Britain said:"restrictions as following. None if you are a US/NZ/Oz/US citizen/resident. If not, they will cover trip including motorcycling, but only if your trip will go via Oz or NZ! They just confirmed this by phone. And yes they will ask prove (like plane ticket) that your trip will cover these countries. Basically I was told they make sure you go to Oz /Nz….." Bruce, UK, said: "when I queried the STA recently they stated that 'yes motorcycle touring was covered' but up to 125cc! Same goes for World Wide Nomads" |
| STA Travel |
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By GJAdmin at 2008 Apr 2 - 15:22
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"With STA Travel's Premier insurance you have the most extensive cover available." 22 Aug/08 - POST by Susan Johnson: STA's policy includes the following under Adventure Sports covered:
When queried about the difference between these two items on 22 Aug/08, and after checking with a supervisor, I was advised that 'Motorcycle Touring' means travelling with an organised tour company, BUT the restriction on 125cc still holds! This on a policy that covers Mountaineering, Heliskiing, Caving, Parapenting and about 100 other activities :-( We're leaving this entry here, as if you are going RTW on a 125cc bike or smaller and have the appropriate licence you should be okay to get coverage. Meanwhile, we will write to the company and tell them their policy is absurd! |
| PJ Hayman Travel Insurance |
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By Grant Johnson at 2011 Apr 7 - 02:33
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Travel Insurance From their site: |
| UK Travel Insurance gateway site |
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By GJAdmin at 2008 Apr 2 - 15:22
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"Here is a good link of the better known UK travel insurance offerings. Make sure you read the small print to make sure you're covered as a biker. It might also be a good idea to e-mail them if you have any questions on what is/what's not covered before you buy, to beef up you legal position if you do claim. Some of the people on the helpdesks told me bikes weren't covered, although it said so in the small print." Post by GS George on the HUBB, 19 April 2002 |
| 1 World Insurance |
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By GJAdmin at 2008 Apr 2 - 17:38
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This US site has coverage for US and non-US citizens - The International Citizen Series, which is annually renewable. For coverage which includes US and Canada, or if you want emergency medical evacuation, you must purchase 'Platinum' coverage, otherwise lower cost policies are available. There is no mention of exclusion for motorcycles. |
| Downunder Insurance |
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By GJAdmin at 2008 Apr 2 - 15:22
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"Comprehensive Travel Insurance for the Adventurous Traveller Downunder & World Wide". Offer a range of medical insurance policies for residents of Australia, NZ or UK Also claim to offer vehicle insurance for non-UK residents, but upon inquiry, they don't include motorcycles in their definition of vehicles. Boo! Hiss! We will be continuing to have discussions with them about this! Website is a work in progress, not all working, but they do have phone numbers listed for their call centres. |
| Campbell Irvine |
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By GJAdmin at 2008 Apr 2 - 15:22
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"Campbell Irvine are Registered Insurance Brokers who have been established for more than 30 years. We are an entirely independent company, who pride ourselves on quality, professional and above all, a personal service." Maria Robinson from London, Surrey, Britain said:"cover motorcycling as activity for an extra 50% of the quoted price. No restrictions on bikes." Update Mar 2011 from Oliver Bassi, Scotland: ...Seems only motorcycles up to 125cc whilst wearing a helmet are included, couldn't find an option to add bigger bike cover unfortunately. Same seems true for Campbell Irvine though bespoke cover seems possible but not through the website. |
| Navigator Travel Insurance |
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By GJAdmin at 2008 Apr 2 - 17:31
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Coverage restricted to EEC residents, and geared for under-35 (though us ancients can get coverage). Premium for 12 months with no geographical limits is £296.00. Add 20% for ages 36-55. Add 40% for ages 56-64. "Motorcycling is covered under all sections except for Personal Accident and Personal Liability, medical expenses will be covered under the Medical Expenses section". From Cynthia Milton: Navigator insurance only covers to age 50 for travellers. Maria Robinson from London, Surrey, Britain said: "Gold and diamonds policies include motorcycling. Add 25% to the quoted price for >35yr old. Riders must wear helmet at any time and must hold licence- I was quoted £280 (I'm >35!) for 10months worldwide excl. US/CAD and excluding luggage/passport/cash insurance (that gives you a 15% discount)." |
| Trailfinders |
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By GJAdmin at 2008 Apr 2 - 15:22
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"Trailfinders Tailormade Travel Insurance, developed over some 35 years and effected by AXA Insurance UK Plc, has been specifically designed to cater for all types of traveller on all types of holidays." Maria Robinson from London, Surrey, Britain said: "cover motorcycling with no restriction, only add 50% to the quoted premium from their website to include motorcycling- Example £509pp for 10months worldwide exc. CAD/US" |
| Worldwide Travel Insurance |
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By GJAdmin at 2008 Apr 2 - 17:31
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This is a British site, but it provides insurance for all nationals and coverage up to 24 months." Maria Robinson from London, Surrey, Britain said: "Cover motorcycling. Restriction: no compensation payment in case of disability as a result of a bike accident but will cover medical costs resulting from an accident on the bike.
Bruce, UK, April 2007 said : "Best choice by far has been 'worldwideinsure', they have covered my wife and myself for 4 months in the USA... £248 :-)"
Susan Johnson from London said (22 Aug/08): "Confirming Maria's comment, motorcycle travel is covered, with the following restrictions: Personal Liability is not covered in the event of a bike accident, as it is expected to be covered by your bike insurance policy. And the Personal Accident cash payment will not be payable in the event of a bike accident. However, medical and emergency expenses are fully covered even in a bike accident. We just renewed our Annual Multi-Trip policy - max 62 days per trip, Elite (no excess), Worldwide cover is quoted as £246 for a couple. We declined Baggage or Money cover and got a 10% discount for renewal, so total cost £188. For info, we are in the 50-64 year category (sigh...), but they will cover up to 69 years." |
| H-C Travel Insurance |
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By Grant Johnson at 2010 Feb 12 - 11:50
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Travel Insurance |
| MultiNational Underwriters |
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By GJAdmin at 2008 Apr 2 - 16:38
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They have no motorcycle restrictions for ordinary travellers. Evacuation is included in their coverage. Recommended by David McMillan from San Francisco, CA, USA. |
| Hickok & Boardman Insurance |
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By GJAdmin at 2008 Apr 2 - 17:38
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"Hickok & Boardman Insurance is the oldest and one of the largest retail insurance agencies in Vermont." Offers commercial insurance and personal insurance. Maria Robinson from London, Surrey, Britain said: "Quote: Nearly £500 for 6 months worldwide excl. US/CAD (max cover seems to be 6 months. Not sure it can be extended)" |
| Club Direct |
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By GJAdmin at 2008 Apr 2 - 15:22
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"Club Direct's Discovery travel insurance covers you for long trips abroad, anywhere in the world. Trips of 31 days to a year or more, choice of two levels of cover, worldwide, Europe or Australia/New Zealand, flexible cover tailored precisely to your needs, includes work abroad and sports & activities, ability to extend period of cover whilst abroad, premium refunded for early return, multi-lingual medical assistance provided 24 hours a day, variable policy excess and section limits, 14 day no-quibble premium refund guarantee."
Update Mar 2011 from Oliver Bassi, Scotland: ...Seems only motorcycles up to 125cc whilst wearing a helmet are included, couldn't find an option to add bigger bike cover unfortunately. |
| The Travel Insurance Agency |
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By GJAdmin at 2008 Apr 2 - 15:22
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"Specialize solely in travel insurance...budget traveller...already travelling" etc. UK based (NO USA citizens) but all others ok. Explorer policy - "Specially for the budget traveller covering yourself for the necessities", maximum age 40, is £181.50 for 12 months worldwide coverage. Motorcycling coverage restricted to under 500cc. |
| Assurantiekantoor Alessie |
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By GJAdmin at 2008 Apr 2 - 17:38
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Assurantiekantoor Alessie is specialized in temporary insurance for automobiles, campers and motorcycles. Whether you are planning a world trip, traveling for pleasure, business, or staying in a foreign country as temporary resident or student, Assurantiekantoor Alessie has the right insurance for you. |
| Auslandstreff |
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By GJAdmin at 2008 Apr 2 - 15:14
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"If you are looking for a long term (or unlimited) full private health insurance (not only a travel insurance) with worldwide coverage you can try www.auslandstreff.de (insurance broker with good service !) The site is in German and the different types of insurance cover are mainly for Germans/Austrian/Swiss citizens." Post by Nannup, a new member on the HUBB, 24 March 2002
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| P J Hayman & Company |
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By GJAdmin at 2009 Nov 10 - 04:59
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"I have a policy in UK with P J Hayman who are specialist insurers. Good cover especially as I am over 65 and ride a 750cc bike, and at reasonable cost." Ted Scott, UK |
- Make purchases at reputable outlets. Count your change carefully before leaving the cashier or the seller. Recount your change if the seller has recounted it a second time because of a problem to make sure you have not been tricked during the recounting. Check to make sure that the article you believe you have purchased is the one that is packed for you.
- Do not believe that you are getting a bargain. When you believe this, watch out; chances are good that you are being set up. Thieves understand and utilize human emotions such as greed and lust. Situations in which these emotions are most commonly played upon include dealings with vendors of so-called antiquities and in currency exchanges.
- Do not place convenience over your personal security. Street vendors are certainly convenient, but dealing with them necessitates that you subject yourself to the scrutiny of bystanders who will make note of the location of your passport, money and other valuables. In many instances, shortly after making a purchase, the customer falls victim to street thieves.
- Do not invite people you do not know well into your living quarters. Do not open the door to your quarters to unknown individuals. Do not tell strangers where you are staying or your travel plans.
- If you feel you are being followed, apply to the police for help. If you are in trouble, yell pozhar (fire) to attract attention for aid.
- Be constantly aware and on the alert.
- Do not purchase drinks from already-opened bottles, i.e. in bars. Never drink alcoholic beverages without having a trusted friend along who has agreed to remain sober. Even slight intoxication is noted by professional thieves.
- Dress down and do not flash cash or jewelry.
- Avoid crowds.
- When out on the town, leave hard-to-replace, nonessential items such as passports, credit cards, driver's licenses and family pictures with the hotel security office. Disperse your money throughout your garments. Remember the amounts in each location and when making purchases retrieve only the amount of money needed for the purchase. Never display large sums of money.
- Never patronize unmarked taxis or enter any taxi carrying unfamiliar passengers. Agree upon the price and destination prior to entering the vehicle.
- Do not leave any items inside the vehicle when it is parked. Do not park in dark and isolated places.
- When a victim of a crime, be it a violent act or general trickery, do not let your vanity or apathy prevent you from immediately making a report to the police and your embassy or consulate. Others will benefit. In addition, stolen items are routinely retrieved.
U.S. State Department Advisories
Advisories of risks to travelers, including crime, terrorism, road conditions, airline safety & medical, as well as USA consular info. for most countries. You can also subscribe to receive automatic updates by e-mail, but be warned, it is impossible to unsubscribe, so you may wish to give them a Hotmail address!
Canadian Department of Foreign Affairs and International Trade
Canadian Department of Foreign Affairs and International Trade - Advisories, travel info etc.
"The FCO's country-specific Travel Advice notices aim to ensure that British travellers are well prepared before their departure".
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Your comments
"Best web site I've ever seen for traveling, on or off a bike, keep it up, thank you." |
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Books & DVD's
Check out the Books pages, where we have listed some of the best motorcycle travel books and videos, BMW books, general m/c books, and travel guides. There's also links to: Remember if you go to Amazon from HU, we get a small percentage of every purchase. Thanks! Grant and Susan |
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Editors note: |