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Post By rogerroger
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21 Mar 2022
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Join Date: Feb 2018
Posts: 13
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Bike Insurance for US and Canada
I'm wanting to insure my bike for and up coming trip to Canada and Alaska.
I've heard mention of Fernet but they only seem to insure for travel in the US and you need a residential address.
The other option seems to be Motorcycle Express but there web site isn't working properly (broken links). I'm waiting for them to get back to me.
Are there any other options?
Also if I decide to just go for third party insurance which I assume is compulsory, how do I arrange it?
Thanks
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5 Apr 2022
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Join Date: Oct 2005
Location: Norwich,Ontario,Canada
Posts: 1,051
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Not many takers for answering this question'
There has been quite a regular mention of Progressive Insurance being a good source for insurance for foreign riders going to start a long motorcycle trip in the USA.
Perhaps give them a look over and see what you might get , here is a link to their website .
https://www.progressive.com/lp/motor...RoCHNwQAvD_BwE
Getting somebody to allow use of their location address should be as simple as a dealership you dealt with or a relative or new found friend .
Once you buy insurance in the USA or Canada it covers you in all states and provinces . The same is true if you buy vehicle insurance in Canada , but it usually is more expensive here .
The insurance bought in USA or Canada is NOT valid in Mexico and beyond , but Mexico insurance is easily found .
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6 Apr 2022
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Join Date: Mar 2019
Location: UK
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Quote:
Originally Posted by rogerroger
I'm wanting to insure my bike for and up coming trip to Canada and Alaska.
I've heard mention of Fernet but they only seem to insure for travel in the US and you need a residential address.
The other option seems to be Motorcycle Express but there web site isn't working properly (broken links). I'm waiting for them to get back to me.
Are there any other options?
Also if I decide to just go for third party insurance which I assume is compulsory, how do I arrange it?
Thanks
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I’m looking into this at the moment so will share any info I get, please do the same
Cheers
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8 Apr 2022
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Join Date: Aug 2003
Location: pambula, nsw, australia
Posts: 126
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Please do flipflop, pass on any info you glean. I too have been chasing up similar insurance. Progressive seem to be the go to company. It's easy enough to get an online quote. But I'm reluctant to press the "buy" button until I get more clarification, that what I think I am getting is in fact valid for a citizen other than one from either Canada or the USA. It seems I can't phone them from Australia, or at least I'm yet to find a ph number that I can use from here. Their chat facility is also inoperable. I've msg'd via FB and are awaiting a response. All very frustrating.
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8 Apr 2022
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Location: pambula, nsw, australia
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For those interested, i now have a quote from a broker in Chicago 12months $790. Pay in full, $198 discount. So amount payable $592.
Six instalment payments can be made. Initial payment $132, each subsequent payment $111. Seeing as we want 2 months the latter suits us.
As an aside, if you do an online quote via Progressive's own site. The cost for 12 months is a little over $100! But not having a local licence, the price is 5X more expensive.
Does anyone out there have a better quote/option than the above.
I might add the quote that i received is for liability only. Not fully comprehensive. Where as the online quote was fully comprehensive.
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11 Apr 2022
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Join Date: Oct 2005
Location: Norwich,Ontario,Canada
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Your country of citizenship has no bearing on getting insurance >What does matter is that you ought to have an Australian license valid for the type of vehicle you are using and it will be recognized as valid in the US. And that you have paid the insurance company its fee .
Now does that "installment" payment scheme apply as if to paying only for the time that you will be on vacation for the part of a year , or is it an "installment pay plan " for an entire year for those short of cash , predicated on paying a FULL year ?
I know that here in Ontario Canada I can NOT buy a discounted liability cover for only the 4 or 5 months with good riding weather , it is a full year .Period.
In either of your examples the price for the full year is in the game .
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19 Apr 2022
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We are well aware of the general requirements of obtaining insurance in Nth America. Having first toured there on a HD for one year back in 83/84. And several other times since.
But as most know, it has becoming increasingly difficult to get insurance. Two or three years ago it was damn near impossible for a short while.
Your point about instalment payments is noted and one we also gave some thought to.
The wife having worked her entire career in banks devised a crafty plan. We'll commit to instalment payments as pointed out. To do so you (we) need to supply credit card details, so an automatic direct debit can be made. Close to the expiry of the first 2 months and before the deduction of the 2nd payment. We fear our CC maybe lost. As such we'll have to report it to our bank and consequently the bank will have to cancel the card.  
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28 Apr 2022
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I went with Motorcycle Express.
The lady I dealt with was super helpful. The Canadian insurance needed to be mailed to me but there wasn't time before I left so she mailed to my hotel in Vancouver and it arrived when I was there. I needed the Canadian insurance to temporarily import my bike into Canada
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30 Apr 2022
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Join Date: Oct 2021
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Insurances in USA and Canada
Hey,
I and my wife are currently on our rtw-trip and started two weeks ago in Canada.
As we are from Austria we also had to deal with the insruance topic.
Fernet is a possibility (also without an American adress) but the only offer an insurance valid in the USA and a minimum duration of 6 month.
We went with motorcycleexpress. Carrie from motorcycleexpress is very helpfull if you need assistance.
Regarding the links: they work if accessed them from the US. We used a VPN.
Then you can input all your data and get a quote. The insurance is issued by National General but handeld via motorcycleexpress.
You will get all your documents online.
I also got the informaiton that there is no need that you need to get the insurance mailed to you, you only need to have a printout with you.
Customs didn´t bother with our insurance at all.
In case you have any futher questions fell free to drop me a pm.
Andreas
www.ibahabs.com
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1 May 2022
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Location: Toronto, Canada
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I've used Motorcycle Express in the past for shipping my bike to and from Europe, and also for getting European insurance (my bike is Canadian-plated, so I have no problem with North American insurance). They are a pleasant company to deal with and I have no hesitation recommending them.
I do agree with what others have noted in responses above, it is a lot more cumbersome to get North American insurance for an overseas moto than it is to get European insurance for a North American moto.
Michael
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1 May 2022
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We got a quote from Motorcycle express and although I now can't recall the price exactly. I do know this. It was a lot more expensive, 5 or 6 times more expensive. Didn't even come close to progressive's quote. So their email was quickly binned.
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9 Jun 2022
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Rogerroger... glad to hear that went well.
I am currently working with M. Epxress now for the trip at then end of the month..
The clearing of your bike went well, or was there any issues?
thanks
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24 Jun 2022
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Hello,
I just arrived in Canada (at Montréal from Paris) dealing with Motorcycleexpress. All the processus went well. At the price they announce (1725€ in my case) you have to add :145€at the intermediate in Paris they are working with + 194CA$ in Montréal. Because you are not allowed to leave your personnal effect on the bike (they told me that two weeks before !), you must add the cost for your luggages on your personnal flight (130€in our case) + the price of the bags you put them in and that you will throw away when arrived. Be aware to arrive on working day as you have to go to customs to get you bike back.
The insurance they propose is 686US$ for 3 months. No other rate avalaible (for 3 months)!! It's an insurance by National General, exactely the same that propose fernet.com. Take your time to search one in front of your computer (it's painfull on a phone). If you find better quote let people know because it's frankly the trikiest thing to do.
See you on american's roads 
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24 Jun 2022
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I forgot to mention the obligation for you to get the arriveCAN procedure completed (about COVID) and the AVE (autorisation de voyage électronique) also (at least for french (EU ?...) citizens) otherwise YOU will not be autorized to enter Canada !
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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...
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)
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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!
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.
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.
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helps answer the question - Why Go? Inspirational stories by veteran travellers Greg Frazier (5 times RTW), Peter and Kay Forwood (193 countries), Tiffany Coates (Mongolia Mayhem) and Rene Cormier (University of Gravel Roads).
Get Ready! covers planning, paperwork, medical and many other topics! "Inspirational and Awesome!" See the trailer here!
What stuff do I need - riding gear, clothing, camping gear, first aid kit, tires, maps and GPS? What don't I need? How do I pack it all in? Lots of opinions from over 150 travellers!
break down language barriers, overcome culture shock, ship the bike and deal with breakdowns and emergencies."Just makes me want to pack up and go!" See the trailer here!
Grant demystifies the black art of Tire Changing and Repair to help you STAY on the road! "Very informative and practical." See the trailer here!
Ladies on the Loose! For the first time ever, a motorcycle travel DVD made for women, by women! These intrepid women share their tips to help you plan your own motorcycle adventure. They also answer the women-only questions, and entertain you with amazing tales from the road! Presented by Lois Pryce, veteran solo traveller through South America and Africa and author of 'Lois on the Loose', and 'Red Tape and White Knuckles.'
Cotton or synth sweat-wicking t-shirts with the cool Horizons Unlimited graphic on the front and a snappy slogan (changing every year) on the back.
Show your route on your panniers. Great conversation starter when you meet people on the road!
Motorcycle and travel books to inspire and inform you!
The definitive guide to planning your motorcycle adventure! This insanely ambitious 2-year project has produced an informative and entertaining 5-part, 18 hour video series. "The ultimate round the world rider's how-to!" MCN UK.
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