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....

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?

Global Rescue will do 365 days/year to age 85. Up to 75, it's $639/year. I'm just now renewing for my third consecutive year and spend 90% of the time in Asia.

Insurance companies sell different policies tailored to particular markets. They do this largely because they're legally bound to do so. For example, any insurance product sold to me is constrained by the laws of my country (USA) and state (Washington).

That means the policy I'm offered when I click on a World Nomads, Global Rescue, or any other ad is likely to be very different from the one you see. This in turn means that my specific experience is probably not relevant to anyone who doesn't live where I live. The value of posts like the one above which declare confidently what Global Rescue or any other company will provide, and for what price, is pretty minimal.

It's also true that most of the specific insurance brands described in this thread are not insurers at all, but rather agents who sell a variety of insurance products offered by various insurers. This follows from the point above--agents have to sell products which are locally approved, and they can't possibly secure local approvals in all the different markets around the world.

And it's certainly true that insurers and agents often believe themselves in the business of selling you their products, not providing you with services. They may know--or not--that they're not covering you and your overland bike, but in the end many of them are not terribly concerned with what happens to you on the road. Therefore: read the fine print carefully before signing a contract (and offering your credit card). Your agent is not your friend, and he/she is not necessarily on your side.

Lastly, for my purposes as a resident of Washington State in the USA, I've found the most appropriate, most complete, and cheapest travel and medieval insurance at DAN, which is a diving organization. You can google them and see what they offer wherever you live--I don't know whether they sell internationally, or how this might apply.

Hope that's helpful.

Mark

after a long research I want to share, maybe it helps to someone.

Forget UK and US citizens. They have a whole world of rules. They dont apply the rest of us.

Navigator: Forget it. Only for UK

World Nomads: accepted bikes. Bad part : they have and excess of 100 USD EVERY TIME YOU GET A DOCTOR.
https://helpdesk.worldnomads.com/cus...ike-or-scooter

IMG: Globe hooper single trip product. seems to be the right option.
Only one excess per policy
I can choose amount of excess
Europe policy cover the Stans
Adventure Sports policy covers travelling in motorcycle
Price seems ok
Renew overseas

I would like to hear is someone used it and their experience.

Thanks

I recently bought insurance from IMGlobal. Can't comment much about the company since i did not and hope not to make a claim.

I called them and they told me that they cover only riding motorcycle on paved road.

If you plan to buy your insurance from them, have a quote from Motorcycle Express: They have better plans than on the IMG website.

Patrick

Before I fork out big dollars to an insurer ...,

One thing I have always done beforehand is to find out exactly where their emergency hotline operators are located.

That may be some 3rd party call answering service in India who cannot contact the main office (on another continent) until the next day . Perhaps they also don't have the permission to make executive decisions , or the person who does is sick/ on holidays / day off / out to lunch etc,

..., or perhaps they only have one telephone line / or staff member working that night - where you are put on hold for ever as you try and call from overseas - which chews through all your cash before getting your call answered.



After finding out where the call centre is actually located .., I work out a time that corresponds to being "in the middle of the night" for that offices location - and I make a 'test' phone call to that office simulating an emergency just to see how promptly someone answers the phone, then see what authority they actually have.

These insurance companies all promise to provide prompt action , but from my little call tests over the years, I know that is not always true - far from it actually.

With an insurer .., I expect nothing less than a quick telephone answer - 24 hours around the clock 365 days a year - with full emergency response permission granted instantly for everything covered in the policy without any delays whatsoever.



I know for a fact , and have seen people die in third world where a hospital does not want to lift a finger to save a life - ie; before they can ensure 100% that the bill is going to get paid up front or without official confirmation from an insurer.

Any delay in conformation from an insurer for example can see you bleed out internally in the waiting room.

..., and always read your fine print (twice) , and if there is a 'what if' in the fine print that sounds like it could be a grey area , or is vaguely worded, then email the company (ie;dont call) and get the clarification in writing or consider yourself not covered. You can bet that grey area will not be interpreted in your favour when it comes to the crunch.
Insurance companies go to lots of effort to word their policies vaguely for that exact reason so they can interpret it how they see fit to avoid any payouts.

Never trust or rely on what a company representative tells you over the phone either regarding the 'what if's' to the questions you may ask .

Do not believe their verbal interpretation of the policy when it is not clearly defined in the fine print. Only trust confirmed written replies as this will be the only leg you have to stand on if things go pear shaped .