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 Michael Jordan, enjoying a meal at sunset, Zangskar Valley, India

I haven't been everywhere...
but it's on my list!


Photo by Michael Jordan
enjoying a meal at sunset,
Zangskar Valley, India



Like Tree7Likes

Reply
 
LinkBack Thread Tools Display Modes
  #46  
Old 7 Sep 2015
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 4,343
Useful, helpful broker

Just a word for the UK based insurance broker shown below.
I have had excellent service from them over a number of years (for European breakdown cover), and you deal with humans by telephone - the latter are always polite and helpful and do not try to use "pressure sales" tactics.

Specialist Insurance from Graham Sykes|Buy Online

Their charges for mid-term alterations of policy details are reasonable (£10 last time I checked with them).
I have not had to make a claim at all via them, so I can't speak for that part.
__________________
Dave
Reply With Quote
  #47  
Old 26 Mar 2016
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 4,343
A growing practice?

Making a mid-term change of a policy (actually at the 9 month point) with one of the large UK brokers and doing this by telephone, it was stated that there was no refund due for the bit of the policy that would no longer be in force and that no charge would be made for this service.
(the broker terms and conditions say that they could charge up to £50 for such adjustments).
The confirmation email with the new policy attached (it being a multi-bike policy it remains in overall force) shows that there is a refund due and that the charge for making the change of policy is exactly the same amount, to the penny, including appropriate statement of the taxation that is involved.
Funny that.

I suspect that this is becoming a growing, standard practice; I will shop around for yet another broker at next renewal and I see that the website for ebike is back in business with a new "skin" as their "front of house".
It may be that ebike are now semi-automated with some business such as quotes done over the internet and other aspects covered by call centres.
__________________
Dave
Reply With Quote
  #48  
Old 27 Mar 2016
Registered Users
Veteran HUBBer
 
Join Date: May 2014
Location: E Yorkshireman...in the Chum Phae area, Thailand
Posts: 1,295
I have just cancelled my car insurance with Carole Nash due to selling it. (I have bike insurance with them also). £50 they charged me for the policy cancellation, bloody highway robbery, even Dick Turpin had the decency to wear a mask.
All I got back from them when I asked why are you charging me 50 quid to tap a few keys all I got back was its in the policy, Yes it is but still!
I have been with them for 15 years plus and now I will be looking for some else come September.
I understand and don't mind paying a fee but there is no need to kick the arse out of it

Wayne
Reply With Quote
  #49  
Old 27 Mar 2016
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 4,343
Quote:
Originally Posted by Lonerider View Post
I have just cancelled my car insurance with Carole Nash due to selling it. (I have bike insurance with them also).
Wayne
When CN was a specialist broker for motorcycle insurance alone they had a decent reputation; then they expanded into general motor insurance and it is hard to see what differentiates them nowadays.
Now, they have gone into the "hard sell" tactics that I mentioned in here last June and the hard-nosed approach to cancellation of policies or parts thereof.

I was expecting a charge of upto £50 but the way it was expressed over the phone implied that there was no charge and no refund due; the subsequent "invoice" via email said otherwise, with both activated and one balancing the other.

My wife used to have the CN "6 wheel" policy which, as the name suggests, covers a bike and car on the one policy - hence removing one element (just as I did recently with my multi-bike policy) does not negate the insurance completely.
__________________
Dave
Reply With Quote
  #50  
Old 27 Mar 2016
Registered Users
Veteran HUBBer
 
Join Date: May 2014
Location: E Yorkshireman...in the Chum Phae area, Thailand
Posts: 1,295
Quote:
Originally Posted by Walkabout View Post
When CN was a specialist broker for motorcycle insurance alone they had a decent reputation; then they expanded into general motor insurance and it is hard to see what differentiates them nowadays.
Now, they have gone into the "hard sell" tactics that I mentioned in here last June and the hard-nosed approach to cancellation of policies or parts thereof.

I was expecting a charge of upto £50 but the way it was expressed over the phone implied that there was no charge and no refund due; the subsequent "invoice" via email said otherwise, with both activated and one balancing the other.

My wife used to have the CN "6 wheel" policy which, as the name suggests, covers a bike and car on the one policy - hence removing one element (just as I did recently with my multi-bike policy) does not negate the insurance completely.
Its still a flaming rip off though, just to tap a few buttons on a computer and let the likes of DVLA know or so they told me, I asked them if someone was filling their Jag up and driving over to Swansea to tell DVLA. I don't think they appreciated the sarcasm

Wayne
Reply With Quote
  #51  
Old 27 Mar 2016
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 4,343
It appears to be increasingly a minefield of short-termism attitudes on the part of the big-name brokers.

I tend to be cautious about reviews on internet sites wherein there is no clarity about who has been writing such reviews.
When there are 100s of similar reports then perhaps they carry more weight?
Here is CN for instance:-
Carole Nash Motorcycle Insurance www.carolenash.com Reviews at Review Centre

The other big names in that review centre don't do much better.
However, the reviewers frequently display complete ignorance about how insurance works in practice, failing to distinguish between middle-men brokers and the actual insurance company providing the cover.
Aftere that, there are the cases wherein claims are made and then the specialist claims companies and their lawyers become involved.
__________________
Dave
Reply With Quote
  #52  
Old 27 Mar 2016
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 4,343
Quote:
Originally Posted by Walkabout View Post
From the reviews in that web link, I was reminded that the original C Nash sold off the business a while ago - that would explain how and why the business ethos has changed (I had heard of this some years ago and then forgotten about it).
On this basis alone, I will look for a specialist broker next time around.

There is also this reminder about an important "small print" aspect - the "2 year rule" applies to all motor policies I think:-
"took out what I thought was a dual bike policy for both my modern every day rider and my vintage classic bike; when it came to renewal the price was excessive so I decided to go elsewhere.
When I asked for my proof of no claims discount I was informed that my policy was in fact a vintage policy and as such did not accrue any NCD.
Fortunately I still have a record of my NCD record from my previous insurer and given that two years have not elapsed have been able to retain the discount with my new insurer.
The warning is that if you use a Carole Nash two bike policy which includes a classic bike then after two years you will loose all your NCD; you will not be warned about this but will ultimately loose a lot of money and become trapped by Carole Nash who will be free to bump up your premium at their will"
__________________
Dave
Reply With Quote
  #53  
Old 27 Mar 2016
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 4,343
Quote:
Originally Posted by chris View Post
I wrote this elsewhere about my experiences with Ebike insurance:
Trying to get a NCB letter was an adventure
By June 2015 their NCB system was working fine, just to be fair to ebike.

I got an email confirmation of NCB by return as soon as my policy expired (having requested it earlier by telephone call) and that was forwarded by me to CN who accepted it immediately.
I have wondered why these brokers can't do that bit between themselves if only because they appear to be in possession of any amount of data about us all on their computer databases.
__________________
Dave
Reply With Quote
  #54  
Old 9 Jun 2016
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 4,343
New insurance policy

http://www.msn.com/en-gb/money/news/...=mailsignoutmd
Blameless drivers, because there won't be a human at the wheel.
__________________
Dave
Reply With Quote
  #55  
Old 9 Feb 2017
Registered Users
Veteran HUBBer
 
Join Date: Feb 2002
Location: Wessex, UK
Posts: 2,136
Price comparison sites

I have recently had the renewal through from Bennetts for my Honda XR125 and due to an increase in premium for the first time I decided to try a comparison website. When I first entered my details I "accidently" misspelt my name but all other details were correct, the quote from Bennetts was 25% cheaper than my renewal for the same policy, after I corrected my name the Bennetts quote disappeared.
I phoned them and used the next cheapest to try and get a reduction down to their price but no go so I went to Swinton and got the same policy 25% cheaper, it pays to shop around.
Reply With Quote
  #56  
Old 9 Feb 2017
chris's Avatar
Registered Users
Veteran HUBBer
 
Join Date: Jun 2000
Location: GOC
Posts: 3,327
Quote:
Originally Posted by mark manley View Post
I have recently had the renewal through from Bennetts for my Honda XR125 and due to an increase in premium for the first time I decided to try a comparison website. When I first entered my details I "accidently" misspelt my name but all other details were correct, the quote from Bennetts was 25% cheaper than my renewal for the same policy, after I corrected my name the Bennetts quote disappeared.
I phoned them and used the next cheapest to try and get a reduction down to their price but no go so I went to Swinton and got the same policy 25% cheaper, it pays to shop around.
Indeed, it pays to shop around. And to avoid Bennetts. IMHO they're biggest bunch of not very nice people, bar none.
Reply With Quote
  #57  
Old 9 Feb 2017
Registered Users
New on the HUBB
 
Join Date: Mar 2012
Location: Norwich, UK
Posts: 18
Quote:
Originally Posted by Scootergal View Post
Aviva. But when I had rung them directly (prior to finding StJohn) they only offered 30 days coverage in EU tops. It was StJohn who understood my circumstances, listened to my needs and negotiated the contract.


I'm not sure that I should admit this, but I worked for Aviva in a previous life (pre-pension). Aviva's direct insurance - the stuff you get from online or call centre - is the vanilla flavour: a few bells and whistles to differentiate it, and targeted at a specific audience. And that audience may change according to where the company see they can make profit (the main reason a company remains viable). They also, deep in the bowels (analogies awaited) of the offices is a small team of people who underwrite "Schemes" insurance, aiming at niche markets and sold through intermediaries. The likelihood is that your friendly broker is privy to such schemes, and has access to proper insurance underwriters (I worked there for 22years and I don't recall meeting one!).

The point of this waffle is that you need to find a broker who can provide a personal service and has access to those shy little underwriters. It won't be cheap...
Reply With Quote
  #58  
Old 30 Oct 2017
Registered Users
New on the HUBB
 
Join Date: Feb 2015
Posts: 10
medical insurace for bikers

Hi all, just a quick note of my experiences today as a UK subject/ EU citizen looking for medical insurance on a Africa trip.

Navigator Travel and PJ Hayman, motorcycle rider specific health insurance, underwriter of both is 'Global Voyager'.

Global voyager quoted me £573 for silver level, 5 months cover. But will not honor a claim made from a country with a UK Foreign Office travel advisory. Eg Mauritania not covered. Tho policy remains valid in countries either side.

'Holiday Safe' appears to cover motorcycle riding specifically. 'Direct travel insurance' doesn't appear to exclude it. As with voyager, neither will cover countries with UKFO advisory.

Tourinsure.de, offer 3rd party motorcycle insurance throughout Africa !
quoted me £500 for five months......underwriter AXA. Also offers medical travel insurance only to German nationals depending on german government advice. German Nationals can currently claim medical expense in Mauritania...

AXA offer a short term international health plan (3 month min), does cover motorcycling and surfing, throughout Africa, including Mauritania. Quoted me £400 per quarter with an excess. However The handbook states, with specific regard to medical evacuation and repatriation, that if "the emergency occurs when you are on a leisure trip to a destination to which the UK Foreign and Commonwealth Office either advises against all travel, or advises against all travel on holiday or non-essential business" it is excluded. So whether or not medical care is covered in-country remains to be seen !


Tangiers Group offers higher risk insurance, underwriters 'Osprey' based in Malta offer 'Battleface' policy. Doesn't exclude motorcycling. Excludes countries the insured individuals' 'home nations government has issued a notice to evacuate' . To Quote their representative;

"............ In this regard, kindly note that Battleface only excludes emergency medical expenses coverage in the eventuality of an evacuation which is specifically requested by one’s Country of Residence, whereby an Insured Person refuses to depart within 48 hours, after “home country has issued an evacuation order”.
That said, coverage is still operative when the FCO issues a negative travel advise, since this is one of the main purposes of Battleface policy.
.............."

Tokyomarine hcc group - Medical Insurance Services group, underwriter Patriot, a US company. Offer a policy which does not exclude motorcycle travel. And like osprey will offer cover in countries with a government travel advisory, up to an evacuation. The cover is only for accidentally incurred medical problems and not for the results of terrorism/political violence the gov advisory references. quotes $500 for 6months with some variables to play with.

Last edited by richy-rich; 31 Oct 2017 at 21:33.
Reply With Quote
  #59  
Old 17 Jul 2018
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 4,343
A quick update

The thread has been around for a while now.


A quick update.
"Bikesure" charges for changing details of a policy were £44 last year - that's for each and every change that you might want to make to a policy.


"EBike" are back in business online - I have had quotes from them via their website and it appears to be working fine.


There is another UK broker on the block = "BeMoto".
Maybe worth a look (no charges for change of details to an existing policy).
However, if it becomes too big/popular, thereby soaking up the business of the call centre-based brokers, it will be bought out (just as happened with Carole Nash) and morph into yet another part of a call centre empire.
__________________
Dave
Reply With Quote
  #60  
Old 29 Jul 2018
Registered Users
HUBB regular
 
Join Date: Sep 2016
Posts: 48
Cheapest VIN insurance

Anyone know the cheapest company to use when insuring a bike against the VIN number? I don't need the insurance to be for long (only long enough to register the bike in the UK). I have passed the MSVA and will have an MOT by that point but any quotes for VIN insurance have been mad high!

Thanks
Reply With Quote
Reply

Tags
agents, brokers, insurance


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


 
 

Announcements

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.

2024:

2025:

  • Queensland is back! May 2-4 2025!

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 Insurance™ 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 10:23.