Horizons Unlimited - The HUBB - Travel Insurance Off Road

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Travel Insurance Off Road

I'm away from my country right now and need a new travel insurance policy. I don't care about the bike, if it goes, it goes. I just want to keep myself functioning.

I contacted World Nomads and was told that if I want to ride on any unsealed (dirt) roads then I will need to buy the additional off road package at a $1000 premium! I don't plan to be on trails or doing proper off roading, but not all roads in Asia are sealed tarmac.

Any recommendations of insurers for an Australian, purchasing overseas, that covers a mild amount of dirt roads that I'm likely to find in south East Asia and Southern Asia?

FYI: This is the response from World Nomads.

Quote:

Me: I will be riding a motorbike as my primary mode of transport. I would like to know the distinction between riding on-road and off-road. Does this mean public vs private roads, or sealed vs unsealed roads, or so on?
Many times I will be riding on an unsealed road which is not a trail and is clearly marked and legal to be on. How would this be classified?

WN: Riding on incomplete, unsealed and unmaintained roads, roads without markings, warning signs or speed limits and on unstable surfaces would be off-road motorcycle riding. If you’ll be riding on roads that fit this description you will need to add the additional motorcycle riding cover on your plan.

Hi, you need to go back to world nomads... they are wrong to have said that.
I am insured by them, same situation as you. Around the world travel, some times using dirt roads.
'Off road riding' in their policy is dirt bike riding, riding on a government 'gazetted' maintained road is not off road.
Off roading is motorcross type riding.
If you are riding on a normal road.. like the great central in Australia for example which is a dirt road, but is on all maps and is maintained by the government that is covered.
Get their manager on the phone because I was very very emphatic that before I made my insurance booking with them that I could ride on dirt roads under their normal insurance and I was assured that I would be covered.

I hope this helps

George

Thanks George.

I agree, there are plenty of roads which are not sealed but are still most certainly a road and being on the wouldn't be classified as off-road riding. I've called them and they are going to speak to their underwriters and let me know.

I'd be happy to pay for off roading if that's what I was doing, but it seems a little silly to pay just to be able to ride along a graded and maintained dirt road.

Will update.

Uhh... George You should take a look at this particularly if you are on the road right now. Did you get your confirmation in writing from World Nomads?

Quote:

Hi Julian,

Further to your phone conversation with our Customer Service Consultant, I’d be happy to confirm the cover under our policy for motorbike riding.

Our policy provides cover for riding motorbikes both on road, off road and as a pillion passenger, the type of motorbike riding you’ll be doing will determine the level of Sports & Activities cover that you require under the policy.

The levels of cover that we offer are as follows:

Moped / scooter biking – Level 1 Sports & Activities cover
Motorbiking (pillion passenger with a licensed driver) – Level 1 Sports & Activities cover
Motorbiking (on road) – Level 1 Sports & Activities cover
Motorbiking (off road) – Level 3 Sports & Activities cover
You must always have the appropriate qualification, certification or license to participate in this sport, activity or experience.

I have received confirmation from our Underwriting Team that we would define off road motorbike as travelling off public roads, especially on unpaved roads, trails, beaches, or rough terrain. Please note that if a public road were to be unpaved, a trail or is rough terrain then this would be also be considered off road as it is the condition of the road that causes the consideration of risk.

I hope this information has been helpful and don’t hesitate to contact us if you have further questions.

Kind regards,

Sarah
Senior Consultant

So...anybody have any other recommendations?