Go Back   Horizons Unlimited - The HUBB > Ride Tales, Trip Reports and Stories > 4 Wheels Travel Reports
4 Wheels Travel Reports Post your overland travel reports for a weekend trip or around the world. Please make the first words of the title WHERE the trip is. Please do NOT just post a link to your site. For a link, see Get a Link.
Photo by Stephan Hahnel, Kradwanderer, in Northern Argentina

I haven't been everywhere...
but it's on my list!


Photo by Stephan Hahnel,
www.krad-wanderer.de,
in Northern Argentina



Like Tree2Likes
  • 1 Post By JMo (& piglet)
  • 1 Post By AnTyx

Reply
 
LinkBack Thread Tools Display Modes
  #1  
Old 7 Aug 2024
Registered Users
New on the HUBB
 
Join Date: Aug 2024
Posts: 2
Dull insurance.....

Hi Everyone, I'm Mouse, A newbie from Bury St Edmunds, Suffolk , UK.
Hoping someone will feel my pain and be able to help!!.
So, I've prepped up my Defender for a northern Scandinavian trip next year..
I've tried to use quality gear where I can, and as a result the thing is worth more than retail value of the base vehicle..You probably know where this is going.
I CANNOT find anyone to insure me on an agreed value without imposing a mileage restriction, Best I've had is 8000 miles, Which wont cover my annual mileage.
I'm sure someone on here has had to navigate this before.
ANY suggestions greatly appreciated!!
Regards all, Mouse
Reply With Quote
  #2  
Old 8 Aug 2024
Registered Users
Veteran HUBBer
 
Join Date: Sep 2006
Location: California
Posts: 880
I'm presuming you've tried Adrian Flux insurance (who specialise in rare/imported/modified and other 'hard' to insure vehicles) - if not, at least give them a call and see if they can offer you a policy with a less restrictive mileage allowance.

fwiw. though, I think with any modified overland vehicle or bike, you're kind of having to accept a degree of risk if you're embarking on a RTW style trip... As long as you're covered/protected from a third party claim (and primarily if you injure another party who requires serious medical treatment and/or death), then your 'worldy goods' are very much secondary.

You can probably insure individual [expensive] personal items - typically electronics and AV stuff - separately to mitigate some of any theft loss, but the vehicle itself, plus your camping/recovery equipment is just something you're going to have to accept, and endeavour to limit the chance of theft or damage.

If it's any consolation, generally speaking Scandinavians are not thieving scallys - so unless you actually damage your vehicle/equipment yourself, there ought to be little need to actually make an insurance claim on your own policy... I'd not worry too much about it and just focus on enjoying your trip.

Jx
Reply With Quote
  #3  
Old 9 Aug 2024
Contributing Member
Veteran HUBBer
 
Join Date: Jan 2016
Location: Tartu, Estonia
Posts: 1,101
I was going to say - in Scandinavia specifically, the probability of your stuff being stolen multiplied by the value of the stuff may turn out to be cheaper than a specialist insurance premium (in the UK in particular) - and luggage might be covered by regular travel insurance...

It's the same as the recent question on here about roadside breakdown coverage for a long cross-Europe trip: worth having if it's cheap, but at some point you have to consider that calling a towtruck and paying out of pocket is not THAT expensive, and amortized over the ten years in which you will need to do it once, it's cheaper than the premium!
Reply With Quote
  #4  
Old 9 Aug 2024
Registered Users
New on the HUBB
 
Join Date: Aug 2024
Posts: 2
Thanks all.
Yes, That does make sense, Adrian Flux were the 8000 mile restriction company.
Unfortunately the Land Rover, other than my mcycle, is my daily over here, so im just getting nervous, What with being a no security Defender an' all
Mouse.
Reply With Quote
  #5  
Old 1 Week Ago
Registered Users
New on the HUBB
 
Join Date: Jun 2018
Posts: 3
Quote:
Originally Posted by mouse.gs View Post
Thanks all.

Yes, That does make sense, Adrian Flux were the 8000 mile restriction company.

Unfortunately the Land Rover, other than my mcycle, is my daily over here, so im just getting nervous, What with being a no security Defender an' all

Mouse.
If 8000 miles would cover your trip, you could start a new annual policy before your trip, come back, cancel your policy and start a new one.

Sent from my Pixel 6 Pro using Tapatalk
Reply With Quote
Reply


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
Balkans Insurance: Price and Duration for Insurance Purchased at Borders in Balkans kileyshields Europe 4 3 Oct 2023 21:04
Balkans Insurance - Here's the story, with details & sample documents PanEuropean Trip Paperwork 30 8 Jul 2023 06:19
Complete Central America/Mexico/Colombia Border Crossing Information sellheim Central America and Mexico 30 6 Mar 2023 23:33
Have I got this right? Young1 Central America and Mexico 12 17 Dec 2022 20:54
Border crossings and bribes West Africa Oneroadoneworld.com Trip Paperwork 0 17 Nov 2017 18:08

 
 

Announcements

Thinking about traveling? Not sure about the whole thing? Watch the HU Achievable Dream Video Trailers and then get ALL the information you need to get inspired and learn how to travel anywhere in the world!

Have YOU ever wondered who has ridden around the world? We did too - and now here's the list of Circumnavigators!
Check it out now
, and add your information if we didn't find you.

Next HU Eventscalendar

ALL Dates subject to change.

2024:

  • California: April 18-21
  • Virginia: April 25-28
  • Germany Summer: May 9-12
  • Québec: May 17-19
  • Bulgaria Mini: July 5-7
  • CanWest: July 11-14
  • Switzerland: August 15-18
  • Ecuador: August 23-25
  • Romania: August 30-Sept 1
  • Austria: September 12-15
  • France: September 20-22
  • Germany Autumn: Oct 31-Nov 3

2025:

  • Queensland is back! May 2-4 2025!
  • CanWest: July 10-13 2025
  • France: September 19-21 2025

Add yourself to the Updates List for each event!

Questions about an event? Ask here

HUBBUK: info

See all event details

 
World's most listened to Adventure Motorbike Show!
Check the RAW segments; Grant, your HU host is on every month!
Episodes below to listen to while you, err, pretend to do something or other...

Adventurous Bikers – We've got all your Hygiene & Protection needs SORTED! Powdered Hair & Body Wash, Moisturising Cream Insect Repellent, and Moisturising Cream Sunscreen SPF50. ESSENTIAL | CONVENIENT | FUNCTIONAL.

2020 Edition of Chris Scott's Adventure Motorcycling Handbook.

2020 Edition of Chris Scott's Adventure Motorcycling Handbook.

"Ultimate global guide for red-blooded bikers planning overseas exploration. Covers choice & preparation of best bike, shipping overseas, baggage design, riding techniques, travel health, visas, documentation, safety and useful addresses." Recommended. (Grant)



Ripcord Rescue Travel Insurance.

Ripcord Rescue Travel Insurance™ combines into a single integrated program the best evacuation and rescue with the premier travel insurance coverages designed for adventurers.

Led by special operations veterans, Stanford Medicine affiliated physicians, paramedics and other travel experts, Ripcord is perfect for adventure seekers, climbers, skiers, sports enthusiasts, hunters, international travelers, humanitarian efforts, expeditions and more.

Ripcord travel protection is now available for ALL nationalities, and travel is covered on motorcycles of all sizes!


 

What others say about HU...

"This site is the BIBLE for international bike travelers." Greg, Australia

"Thank you! The web site, The travels, The insight, The inspiration, Everything, just thanks." Colin, UK

"My friend and I are planning a trip from Singapore to England... We found (the HU) site invaluable as an aid to planning and have based a lot of our purchases (bikes, riding gear, etc.) on what we have learned from this site." Phil, Australia

"I for one always had an adventurous spirit, but you and Susan lit the fire for my trip and I'll be forever grateful for what you two do to inspire others to just do it." Brent, USA

"Your website is a mecca of valuable information and the (video) series is informative, entertaining, and inspiring!" Jennifer, Canada

"Your worldwide organisation and events are the Go To places to for all serious touring and aspiring touring bikers." Trevor, South Africa

"This is the answer to all my questions." Haydn, Australia

"Keep going the excellent work you are doing for Horizons Unlimited - I love it!" Thomas, Germany

Lots more comments here!



Five books by Graham Field!

Diaries of a compulsive traveller
by Graham Field
Book, eBook, Audiobook

"A compelling, honest, inspiring and entertaining writing style with a built-in feel-good factor" Get them NOW from the authors' website and Amazon.com, Amazon.ca, Amazon.co.uk.



Back Road Map Books and Backroad GPS Maps for all of Canada - a must have!

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 R80G/S.

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 all over the world with the help of volunteers; 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, or ask questions on the HUBB. 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.




All times are GMT +1. The time now is 18:01.