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Motorcycle travel insurance

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.

Patrick Ikhena
From the Travel team
3
minute read
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

On 6 August 2020, the Foreign and Commonwealth Office (FCO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

For more information, please see our coronavirus and travel insurance page.

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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