Go Back   Horizons Unlimited - The HUBB > Planning, Trip > Trip Paperwork
Trip Paperwork Covers all documentation, carnets, customs and country requirements, how to deal with insurance etc.
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.

Like Tree1Likes
  • 1 Post By Sun Chaser

LinkBack Thread Tools Display Modes
Old 30 Nov 2018
Registered Users
New on the HUBB
Join Date: Nov 2016
Posts: 3
Insure bike itself for theft and damages, Central and South America

Hello! With just days left on my trip i came to the realization that i want to insure the motorcycle itself in case of theft/damages. This has proved harder than expected. I know i'll buy liability insurance at the borders in each country. But not all will include theft and damages to my bike.
I'm trying to insure the bike as a personal effect/property, even going as far as seeing if i can insure it as a watch (it does have a watch on it after all )
Anyone having any luck with this? Any ideas?
Travelers who has been in Central America, did you have any theft/damage insurance on your bike?
It's a US/California registered bike (V-Strom 650 2018).
My travel insurance covers all medical and other things, but not a motor vehicle.
Reply With Quote
Old 30 Nov 2018
Super Moderator
Veteran HUBBer
Join Date: Jul 2007
Location: Bellingham, WA, USA
Posts: 3,893
I've never talked to anyone who's had comprehensive insurance in Latin America. From time to time someone comes on here and asks, just as you're doing, but i don't remember anyone coming back afterwards and saying yes, they had it--much less that they collected on it following theft or damage.

if you succeed in purchasing such insurance, come back and let everyone know. If you actually collect on your policy at some point, post here and you'll be famous.

As for personal experience, I've never had, nor looked for, comprehensive insurance outside the US and Canada--this includes riding in ~60 countries on various continents. So far I've probably saved enough money to buy several VStroms....but I haven't had to, because nothing applicable ever happens.

Hope that's helpful.

Reply With Quote
Old 30 Nov 2018
HU Sponsor
Veteran HUBBer
Join Date: Sep 1999
Location: Yellowtail, Montana USA
Posts: 291

Self Insurance is 99% likely where you'll find coverage.

After six rides around the world, three of which included South America and one Central America, and numerous Mexico journeys, the one lesson I've learned and write about in my book MOTORCYCLE TOURING: EVERYTHING YOU NEED TO KNOW (not pimping a sale here) is never take a motorcycle into a third world country (and I'd add today anywhere outside the USA) that you can't afford to lose to fire, theft, confiscation, damage....

I've never found a common insurance company to insure my motorcycles for what you are hunting. That said, with big $s you might be able to do custom coverage, but at an expense closer to the value of the motorcycle.

Trying to cover it as "personal effect/property" will simply give an insurer a reason to not pay when/if you file a claim. There a plenty of those stories on HU, the "not pay" tales...so not a recommended way to try and slip it between the lines of the application....you'll pay for coverage, maybe sleep better, but it's a Fool's Sleep - I've been there, slept well, but foolishly spent $'s for the sleep. Swill would have been cheaper.

I'm also a very small owner of a mega insurance company where I see other owners and management smile when annual management bonus checks and owner dividends are paid out. They frown when claims are paid....that's the ugly truth of the underbelly of the insurance industry.

I'm just the messenger here, so "Please don't shoot me!"

"Dr.G" Chief of the World Adventure Affairs Desk, CITY BIKE Magazine, researching adventurous affairs
Sole Sensual Survivor: www.greataroundtheworldmotorcycleadventurerally.co m
Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 Registered Users and/or Members and 1 guests)
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

Similar Threads
Thread Thread Starter Forum Replies Last Post
Information wanted from experienced bikers in South America joentje100 SOUTH AMERICA 35 1 Jan 2010 04:00



Thinking about traveling? Not sure about the whole thing? Watch the HU Achievable Dream Video Trailers and then get ALL the information you need to get inspired and learn how to travel anywhere in the world!

Have YOU ever wondered who has ridden around the world? We did too - and now here's the list of Circumnavigators!
Check it out now
, and add your information if we didn't find you.

Next HU Eventscalendar

HU Event and other updates on the HUBB Forum "Traveller's Advisories" thread.
ALL Dates subject to change.


Add yourself to the Updates List for each event!

Questions about an event? Ask here

HUBBUK: info

See all event details

World's most listened to Adventure Motorbike Show!
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.

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)

Ripcord Rescue Travel Insurance.

Ripcord Rescue Travel Insuranceā„¢ combines into a single integrated program the best evacuation and rescue with the premier travel insurance coverages designed for adventurers.

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!

Five books by Graham Field!

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.

Susan and Grant Johnson 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.

All times are GMT +1. The time now is 07:22.