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.

Josh Daniels
From the Travel team
3
minute read
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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.

CORONAVIRUS UPDATE 

A travel traffic light system has been introduced for international travel. From 19 July 2021, trips to green and amber listed countries are legally permitted if you live in England and Scotland. However, you’ll still need to fulfil any pre-departure requirements, such as testing. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant local authority.

If a country is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you’re aware of any specific requirements relating to entry and to check travellers from the UK are permitted. Countries can have their traffic light status changed at short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) advice for the latest information.

The FCDO currently advises against all but essential travel to red listed countries. Should you choose to travel against the FCDO rules, you will not be covered by any travel insurance policy you purchase. Some providers do offer cover for international travel if you’re travelling for essential purposes, however most do not. In all cases, should you have any queries please check the policy wording or contact your chosen provider before purchasing to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland.

Find out more here

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

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.

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