Quote:
Originally Posted by pheasant56
...Slight Hijack but anyone recommend cheap travel insurance for motorcycle overland?
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I've been investigating this lately. The two companies I short-listed were:
- 1Stop - underwritten by Cigna Europe Insurance Company; and
- Holidaysafe - trading name of Infinity Insurance Solutions Ltd - underwritten by Union Reiseversicherung AG (Germany)
Both will cover m/c overlanding without c.c. restriction subject to holding an appropriate UK licence.
I have it on good authority that Cigna
'.. are generally fair and pretty good. [but can be a little slow at times]'
I notice that Alpha Travel Insurance's plan - suggested by trackdayrider (above) - is almost identical to Holidaysafe's offering in nearly every detail; both policies are just different 'white label' contracts as far I can tell. The slight exceptions between the two regarding 'motorcycling' definitions are:
Holidaysafe:
'Motorcycling with appropriate UK licence (excludes track days)'
Alpha:
'Motorcycling with appropriate UK licence'
Both will also include
'MotoCross' as an activity, providing you are prepared to pay an additional premium.
Incidentally,
1Stop's motorcycling definition is:
'Motorcycling on public roads (no racing) safety helmet to be worn and must possess a licence allowing You to ride an equivalent motorcycle in the UK'
I guess therefore, by definition, 1Stop excludes any off-roading activity whatsoever. In other words, you must stick to
'public roads'.
NOTE - the policy is silent regarding the particular make-up of 'roads' - therefore I assume it includes all surfaces - e.g. tar-sealed, gravel, even dirt - as long as you are travelling on a recognised 'public road' (.. and not racing.)
Finally, it's worth noting that 1Stop were prepared to
include cover for a minor health condition I have, whereas Holidaysafe insisted on
excluding it.
You cannot be too very careful with an insurer's policy wording!
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