Travel insurance for Brits
 

Apologies for coming back to this, I know the subject has been extensively discussed but I did a search and couldn't find the info I needed.

I need to find an insurer who will cover medical costs (depending on how covid works out etc) with some fairly specific parameters:

• UK/Irish citizen, aged over 65
• Motorcycle over 125 as main means of travel
• 6 months duration trip
• Europe and Asia

That rules out WorldNomads (125 max for Brits), any TIF group companies (Voyager, Navigator, Boots, Post Office) as they have the worst record for denied claims I've ever seen. Ripcord from what I can see specialise in medevac but not local treatment.

Somebody did provide a link a while ago that seemed OK but I foolishly lost it. So, what ya got?

Try Marks and Spencers


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Seems like M&S insurance is currently unavailable.

Even removing Covid from the equation, a couple of years ago I couldn't find one that would accept all of the conditions listed, and I spent days looking. In the end I went with one with an up to 125cc limit because I was going on my 125 but otherwise there would be nothing. Some of the companies list the activities they'll cover and some of the lists are bizarre. One wouldn't accept hill walking over 2000m. Our flat in France is at just under 2000m but the local supermarket is uphill and just over that height. So by their criteria they wouldn't cover me going to buy a baguette for breakfast.

We've done our longer trips on the back of my wife's Nat West insurance policy that comes with her account, but of course that only works if she's going as well. If you do find anything be sure to let us know as I for one will be interested.

Shame, I think then maybe they closed to new entrants but we still have it as we renewed an existing policy and it covers everything including Covid, didn’t check the over 75 years thing though [emoji1].

There’s a thread on it on UKGSer, maybe worth a look there


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No idea whether AssistCard operate in the British Isles however I have no problem getting cover. I'm excluded from World Nomads by age : (

Call Navigator insurance.

U.K. firm. Motorcycle travel experts.

Not sure if things have changed (they tend to change rapidly in the insurance world) but Navigator were one of the companies I tried when I was planning a 6 week trip to West Africa three years ago. There were four areas that proved to be difficult -

Age over 65,
Time over 31 days
Bike over 125cc
Countries in West Africa

Seems strange now but nobody mentioned Covid :rofl:

In general I could get three out of the four with most companies but I didn't find a single one that would do all four. I can't remember which one Navigator fell down on but as my next trip is going to have similar requirements if they are able to cover me I'll be getting in touch.

Navigator is underwritten by TIF Group, check out their online reviews. I'd use them if I really had to and there was no other option, but I'm trying to find the name of the insurers I was recommended before (searched, can't find it, sorry) who were able to offer the extent of cover I need, particularly with respect to age and duration of travel.

Before anyone says "just go", I don't mind paying for instance but I'm not willing to be liable for potentially huge medical costs, I don't have that sort of money.

How about these guys https://www.holidaysafe.co.uk/niche/...vel-insurance/

They're one of the ones I tried before but it would seem like things have changed. I went through their quote process and it didn't kick me out so I'll bookmark them for the future. That, it would seem, is one at least. :thumbup1:

They appear to cut off at 3 months.

Also, it's another TIF Brand.

I think that there may be some scope with this organisation:

https://www.bigcattravelinsurance.com/?msclkid=39fff3d5f55c135089a993e3a089c904

The policy wording is here?

https://bigcattravelinsurance.com/wp-content/uploads/2020/11/Policy_Wording_IPID_Premier.pdf

There is a general exclusion for motorcycles “unless you are wearing a crash helmet and, if riding on a motorcycle or quad bike over 125cc, that you have paid the appropriate extra premium”. The implication being that for an additional premium larger bikes can be ridden.

They cover people up to 69 years old at the time the premium is paid and the policies last for up to two years. It also looks like you can renew on the road.

I could, of course, be completely wrong.

Des

You already know that World Nomads insurance are worse than useless for Brits as seen in this tragic case study:

https://www.horizonsunlimited.com/hu...eds-help-94894

This post is just for completeness, for people who may not be aware.

What I have never understood is why World Nomads penalise British citizens. Does anyone know the logic for it?

His policy only covered for riding up to 125cc and World Nomads refused to pay for better hospital care.

"Peck required urgent treatment at a better-equipped hospital, which doctors say would have seriously improved his chances of surviving, however none of his three insurance policy providers would foot the bill.

His family are now considering legal action against World Nomads, which had sold him an adventure policy claiming to cover motorcycles.

However, hidden in the small print was a clause stating that Peck was only covered for motorcycles up to 125cc, of which his bike exceeded."

https://www.visordown.com/news/gener...n-horror-smash