Whether you’re touring on your own motorbike or want to hire one while you’re away, find out how to get the right cover for your adventures abroad with travel insurance designed for motorbike holidays.
It depends. Many standard travel insurance policies will cover you for riding bikes on your holiday, but they usually limit cover to bikes with an engine size up to 125cc. If you’re planning to ride a bike with a larger-sized engine, you may either need to pay an extra premium, or buy a specialist motorcycle travel insurance policy.
Standard policies probably won’t offer cover for more risky biking activities like racing, off-roading or track days, either. Again, you would probably need a specialist motorcycle travel insurance policy for this.
Other standard travel insurance policies may exclude any type of motorcycle riding, so be sure to check your policy carefully and never automatically assume you’re covered.
A specialist motorcycle travel insurance policy will cover you for all motorbike-related activities you embark on during your trip, whether on your own bike or a hired one.
A good policy should offer cover to ride any size engine, as long as you hold an appropriate current full licence for the size of bike you’ll be riding abroad.
It will usually include cover for:
And like standard travel insurance policies, it’ll include cover for:
Yes, there’ll usually be options to add extra cover for things like:
It depends on the policy. Some annual policies will provide cover for an unlimited number of trips per year, as long as each trip is no more than a certain duration - often 31 days.
A touring policy can often cover you for a getaway lasting up to 180 days, but you may be able to find one that lasts even longer.
Yes, most specialist motorbike insurance policies will cover you whether you’re riding your own bike or hiring one in your destination country. Check your individual policy to be sure.
And remember, you shouldn’t confuse motorcycle travel insurance with vehicle insurance.
Motorcycle travel insurance covers you (including things like your medical expenses in the event of an accident), and vehicle insurance will cover your bike.
You need to check your vehicle insurance policy to see if you’re covered to ride outside the UK. If you’re not, you should be able to purchase extra cover.
If you have comprehensive cover, some policies will allow you to ride in the European Union with the same level of cover, but you should check this with your insurer.
There may be a limit as to how many days your insurance will cover you to ride abroad - often 90 days.
And if you’re hiring a bike, you should check with the company you’re renting from that it has at least the legal minimum level of motor insurance for the country you’re in.
In general, you need the appropriate UK licence to ride the size of motorbike you’ll be using on holiday.
So if you have the A1 licence (which permits you to ride motorcycles up to 125cc) you can ride a bike with the same engine size abroad.
Depending on the policy, you might be subject to exclusion clauses, including: