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Photo by Bettina Hoebenreich, At the foot of the Bear Glaciers, eternal ice, British Columbia, Canada

Adventure is what you make it

Photo by Bettina Hoebenreich, at the foot of the Bear Glaciers, British Columbia, Canada.



Ripcord Rescue Travel Insurance.

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  #1  
Old 6 Jul 2015
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World Nomads, but excludes Motorbikes !

Anyone else clicked on that easy to "get a quote box" for this Company that advertise on HUBB?

Or am I missing something.
The quote ... 11 months single trip cover, seemed high, but then we do ride motorcycles....
Read the small print ....

Motor biking (on road over 125cc) Special condition (b) and a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover

Motor biking / trail biking ( off-road 125cc or over) Special condition (b) and a helmet must be worn. No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover


And just to re-confirm in Section 17 ...
Not Covered

Cover does not apply if you are:
...motorbike touring or where a motorbike is the main mode of transport;


So just apart from generating HUBB some revenue, just why do they advertise here ?

Apologies for the bitterness but do these companies realise just how much of our important planning time is wasted trawling thru their small print only to realise they don't cover what we do !

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  #2  
Old 6 Jul 2015
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It appears to be 'base' country related Russ. Not sure why though ???
As I'm from Australia, I selected that option.
There appears to be all the coverage I would want.
Seems to be different for the USA & Europe riders though ??
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  #3  
Old 8 Jul 2015
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To answer you

Russ
Any advertisement on the hubb generates revenue for it.

All companies collect marketing information whether ot not they can sell you their product.
Do they know they waste our time? Who knows but chances are it would not matter to them as your info becomes part of lists which are bought and sold worldwide.

Whether or not anyone's application is accepted depends on their country of residency; if you are resident in the UK, forget World Nomads. They will tell you that their underwriters will reject cover where travel by means of a motorcycle is the main means of transport. This information was confirmed by WN today.
I hope this helps clarify things.
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  #4  
Old 8 Jul 2015
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They will tell you that their underwriters will reject cover where travel by means of a motorcycle is the main means of transport
Yet LLoyds of London is stated as one of the underwriters for the Australian policy.
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  #5  
Old 10 Jul 2015
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I gave world nomads a go, I kept getting generic reply's to questions asked and had to wait up to a week for the pleasure, finally told them to shove it! Piss poor!
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  #6  
Old 11 Jul 2015
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I'm American and in the market for travel insurance, and had read good things about World Nomads. Their website unhelpfully does not address the question of whether American adventure riders are covered, so I called them.

Coverage specialist told me that yes, I would be covered regardless of whether I am traveling by motorcycle. However, I have to rule out World Nomads as they will not cover any incidents in Sudan, one of my destinations countries. World Nomads asks $300+ for a six month policy and ~$1000 for one year.

Also tried HCC Medical Insurance Coverage … they too do not cover Sudan, and seemed high priced at something between $600 and $750 for a six month policy.

I used STA Travel for two previous overland journeys and their pricing and coverage remains very good, from what little I know of the travel insurance business. They will sell me a 12-month policy called “Explorer Plus” for $289 with all the fundamentals including coverage in Sudan and covering travel by motorcycle. $100,000 medical coverage, $500,000 medevac and $0 deductible.

Incredibly, I could get a 6-month STA policy for just $33, total -- the twist being that it is non-renewable, and you cannot take out a new policy unless you are physically in your home country. So for trips longer than 6 months, you'd need to find figure a way to secure insurance around policy termination time. It also sacrifices some up-front trip cancellation coverage to the tune of a few hundreds bucks but I don't care about that, and has some lower payouts on certain items.

Any insights on STA Travel these days? Though I’ve used them twice before I’ve not had to file a claim. They seemed to be very popular a few years ago.
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  #7  
Old 12 Jul 2015
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Quote:
Originally Posted by Ride Far View Post
I'm American and in the market for travel insurance, and had read good things about World Nomads. Their website unhelpfully does not address the question of whether American adventure riders are covered, so I called them.

Coverage specialist told me that yes, I would be covered regardless of whether I am traveling by motorcycle. However, I have to rule out World Nomads as they will not cover any incidents in Sudan, one of my destinations countries. World Nomads asks $300+ for a six month policy and ~$1000 for one year.

Also tried HCC Medical Insurance Coverage … they too do not cover Sudan, and seemed high priced at something between $600 and $750 for a six month policy.

I used STA Travel for two previous overland journeys and their pricing and coverage remains very good, from what little I know of the travel insurance business. They will sell me a 12-month policy called “Explorer Plus” for $289 with all the fundamentals including coverage in Sudan and covering travel by motorcycle. $100,000 medical coverage, $500,000 medevac and $0 deductible.

Incredibly, I could get a 6-month STA policy for just $33, total -- the twist being that it is non-renewable, and you cannot take out a new policy unless you are physically in your home country. So for trips longer than 6 months, you'd need to find figure a way to secure insurance around policy termination time. It also sacrifices some up-front trip cancellation coverage to the tune of a few hundreds bucks but I don't care about that, and has some lower payouts on certain items.

Any insights on STA Travel these days? Though I’ve used them twice before I’ve not had to file a claim. They seemed to be very popular a few years ago.
I've looked into HCC, Global Underwriters, and World Nomads. I'll have to look at STA. Seems very inexpensive compared to others. My initial thought was to go with GU as I spoke with them, got good response, and they offer renewable and changeable coverage to countries as you travel. They also offer insurance riders for higher risk countries and adventure sports coverage.
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  #8  
Old 12 Jul 2015
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Originally Posted by mtncrawler View Post
I've looked into HCC, Global Underwriters, and World Nomads. I'll have to look at STA. Seems very inexpensive compared to others. My initial thought was to go with GU as I spoke with them, got good response, and they offer renewable and changeable coverage to countries as you travel. They also offer insurance riders for higher risk countries and adventure sports coverage.
One note, the STA website pretty much sucks. I called them and a knowledgeable rep addressed my questions and supplied a PDF of the "Explorer Plus" coverage details. For some reason they have the standard coverage document on the site, but I could not find the Explorer Plus.
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  #9  
Old 12 Jul 2015
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Read the small print and ask lots of questions

I know someone who got insurance with World Nomads, started out from Australia, got as far as Thailand with her own bike, had an accident and Nomads refused to pay out - she hadn't read the small print. Her father had to pay her hospital bill and her repatriation back to Israel. Her bike is still in Thailand three months later....

I find you have to tell each potential insurer exactly what you plan to do with your own bike plus the altitude you might reach plus the fact you may not have a return flight booked (!) plus all your health stuff - half the time they don't ask you the right questions.... From UK try Backpacker Travel Insurance UK, Cheap Holiday Insurance Cover | Navigator Travel or Backpacker, single trip & cheap travel insurance policies (via Overland Magazine).

Oh and don't wait till you are retired before going off on the long trip! Once you hit 60 and beyond, it gets progressively more difficult and more expensive to find insurance. At 66 I am now down to 90 days max at one time....
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  #10  
Old 12 Jul 2015
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Originally Posted by Ride Far View Post
One note, the STA website pretty much sucks. I called them and a knowledgeable rep addressed my questions and supplied a PDF of the "Explorer Plus" coverage details. For some reason they have the standard coverage document on the site, but I could not find the Explorer Plus.
I presume STA also have different policies for different countries, I took out insurance with them in 2007 for a two part trip to Africa. I told them I would be using a "large" motorcycle as my primary form of transport and was told the highest level of cover would do but when I went to get a policy for the second part of my trip was told we do not cover for bikes over 125cc and I had never been covered. Apparently by saying large instead of 800cc motorcycle I was not specific enough.
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  #11  
Old 13 Jul 2015
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Quote:
Originally Posted by Sheonagh View Post
I know someone who got insurance with World Nomads, started out from Australia, got as far as Thailand with her own bike, had an accident and Nomads refused to pay out - she hadn't read the small print. Her father had to pay her hospital bill and her repatriation back to Israel. Her bike is still in Thailand three months later....
That story sounds very familiar. Your friend, by chance, wasn't riding with a Aussie husband/wife team on two KTM's, was she? Just this past Mar/Apr?
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  #12  
Old 14 Jul 2015
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????

I to read this, seems to be an issue, our biggest problem is we are on the road, and they will not cover anyone over 60. Any suggestion would be helpful.
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  #13  
Old 15 Jul 2015
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Some options...

Its all just a huge nightmare ... all I want is someone to rescue me if Im hurt and pay for treatment... simple enough, No.

I have trawled through the Global Rescue and Ripcord small print, and while they imply a field rescue will happen, the small print seems to give them many other options. Most critically, they dont pay for the actual medical costs, so unless I chose to come back to the UK for NHS treatment, while you would be taken to a hospital, your medial attention is not covered.
And if I have got that wrong I apologise, but then if the small print was easier to understand, well, u know where Im going.

So just to document where I am so far, based on a 55 yo UK resident, riding to Thailand and then staying there 6 months (so 10 months away in total), I'm getting ~

Ripcord or Global Rescue - around £400 - extrication only, but they claim from anywhere in the world. Mixed reviews but I think they will. The downside is no curtailment and it means back to the care of the NHS.

Of the more "normal" travel policies that do cover large motorbikes, I seem to have a choice of ~

AA - £242 but for only 6 months max
Holidaysafe - sliding scale from £129 for 3 months to £523 for the full year.
Direct Travel - sliding scale from £134 for 3 months to £524 for 10 months
Harrison Beaumont - 3 months for £196
24/7 Gap - backpacker policy for 1 year @ £164

The latter is by far the cheapest, but the worry always is ... will they organise things when u need help, rather than just a refund when u get back home. I have been there - there is a big difference !

The search continues !
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  #14  
Old 16 Jul 2015
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Quote:
Originally Posted by ouroboros2015 View Post
Have you tried the post office? I used them a couple of years ago. When asked about using a 660 cc bike on the trip as my main for of transport, they said that as long as I used the roads "or what was considered a road in whichever country I was in" (which I took to mean any road marked on a map: tarmac, dirt or whatever), then I was covered.
A top tip, I have also used the Post Office before and was told I was covered and may use them again after checking that they still cover for motorcycle travelling.
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  #15  
Old 17 Jul 2015
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Post Office

Just checked the Post Office ... Yes, still cover motorcycles up to 1500cc.
However, the cheapest Super Economy premium is £292 for a 12 month Backpacker policy.
So, all other things being equal, Gap 24/7 is still the cheapest.
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