Get ready to embrace the thrill of exploring foreign lands on a motorbike or scooter! However, before you rev up your engine and hit the road, it's crucial to prioritisze your safety and protection.
As a UK citizen venturing abroad and considering some two-wheeled escapades, having buying the right travel insurance is a must. From unforeseen accidents to medical emergencies, ensuring proper coverage for your motorbike or scooter motoring activities is an essential aspect of your trip planning.
There may be cover available under the policy if you want to ride on a motorbike or moped (scooter) while abroad, but be sure to choose the right adventure sports coverage depending on what type of bike you’ll ride and your level of activity. Let's explore the key details:
Choosing the right coverage
- When purchasing your travel insurance, it's essential to select the appropriate adventure sports coverage for your riding activities;
- Add 'motorbiking' (includes scooters) to your list of sports and activities when buying your travel insurance;
Adding motorbike and scooter activities to your policy
To get cover for riding a motorbike or scooter, list all the sports and activities you plan to try on your trip when purchasing your policy. Please note that changes cannot be made after your policy is issued.
Safety precautions and requirements
To be eligible for coverage while riding a motorbike or scooter, you must take the necessary safety precautions, including:
- Wearing a helmet.
- Obeying local road rules.
- Holding a valid motorbike license or a valid BT certificate (DL 196) in both the UK and the local country for the type of bike you'll be operating. Different cc machines may require different licenses and levels of coverage under the policy.
Cover for accidents and emergencies
In case of an accident resulting in injury, our travel insurance provides offers coverage for the following:
- Evacuation: If urgent and medically necessary (including helicopter evacuation when available), we arrange transportation to the nearest appropriate medical facility;
- Emergency medical expenses overseas: We cover necessary hospital treatment or treatment at a local medical facility;
- Repatriation: If you're injured and unable to continue your trip, we arrange transport back to your home country.
Medical transport and repatriation
Subject to our approval, the medical transport and repatriation benefits are payable from the date the sudden illness first manifested or the injury occurred. If an incident occurs, immediately contact our 24/7 Emergency Medical Assistance team and maintain contact until you no longer require treatment or assistance.
Payment for medical treatment
Payment for medical treatment depends on the circumstances and necessary treatment required. It may involve your upfront payment with later reimbursement or direct payment by us, depending on the situation.
Exclusions and limitations:
While our travel insurance provides extensive coverage, it's important to be aware of what's not covered. Take the time to read the policy wording, including the terms, conditions, limitations, and exclusions. Here are some key exclusions:
- Theft or damage to the motorbike or scooter, whether owned, borrowed, or rented,
- Personal liability while riding or operating the motorbike;
- Unattended belongings with the motorbike;
- Riding a motorbike at a professional level (paid or sponsored);
- Participating in international motor sports event.
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Before your trip, check the latest government advice for any travel alerts for your destination.