Motorcycle travel insurance

Before riding a motorcycle on holiday, you’ll need to get the right insurance policy in place. Here are the key points if you’re planning to hire a bike, or take yours abroad.

Before riding a motorcycle on holiday, you’ll need to get the right insurance policy in place. Here are the key points if you’re planning to hire a bike, or take yours abroad.

Coronavirus (COVID-19) Update - From 4am on Monday 1st November, all countries will be removed from the UK red list. You still need to check the latest travel advice and entry requirements for each country you visit or transit through as they can change at short notice, check the Foreign, Commonwealth & Development Office (FCDO) for the latest information or find out more here.

Josh Daniels
From the Travel team
3
minute read
Do you know someone who could benefit from this article?
Posted 19 NOVEMBER 2019

Will my travel insurance cover me if I hire a motorcycle abroad?

The answer varies according to the policy. And in those cases where cover is provided, there might be requirements and restrictions. For example, cover might only be valid if you wear a helmet.

If you know you are going to hire a motorbike while you’re away, or if you think it’s a possibility, you should check your travel policy (or any policy you are considering buying) has the cover you need.

Remember that travel insurance provides cover for you and your personal belongings, so while you might be able to claim for injuries sustained while using the bike, you won’t be covered if the bike is stolen or damaged. Insurance for the bike should be included as part of any hire arrangement you enter into.

Whenever you ride a motorbike overseas, remember to follow the local rules of the road – if you don’t, you might invalidate your insurance.

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

What cover do I need if I’m taking my motorcycle to Europe?

You’ll need a minimum of third party cover when riding in EU and European Economic Area (EEA) countries. If you have a comprehensive policy in the UK you may automatically have the same level of cover abroad; or you may have to pay extra to get that level of protection.

There may be a limit on the number of days’ cover provided under a normal UK insurance policy – perhaps 30, but be sure to check. If you’re travelling for longer, you might consider a ‘touring’ policy, where cover could be available for up to 180 days.

Also, note that the rules around insuring a motorbike in Europe are subject to change depending on the impact of Brexit. For example, you may need to obtain a ‘green card’ from your insurance provider to demonstrate that you have cover in place.

Make sure you have enough cover for your motorcycle equipment, including specialist clothing, in case it's lost, stolen or damaged.

What else should I think about when it comes to motorcycling and insurance?

If your plans change while you’re away and it looks like you’ll need extra cover – for example, if you decide to stay away for longer – get in touch with your insurance provider and ask to amend your policy.

Compare travel insurance

Let us know what you need and we’ll compare travel insurance deals that ensure you get the right level of cover ahead of your trip. It can take a matter of minutes to get a quote and you could start saving.

Looking for a quote?

Get a new travel insurance quote in minutes and you could start saving

Get a quote
Compare travel insurance Get a quote