We're on a
Platinum Policy.
See "Use of Motor Vehicles" on Page 12 -
"Use Of Motor Vehicles – Scooters, Mopeds and Motorcycles
This policy will automatically cover you on your trip for using hired motor vehicles of 125cc or less
but you must wear a crash helmet and, if you are the rider, you must hold a valid licence to drive
that vehicle type within your home area.
You will also be covered for vehicles above 125cc but only if you hold a valid licence to drive that
vehicle type within your home area,
it is your mode of transport from your home area and you are
wearing suitable protective clothing.
Cover under section F Personal Liability does not apply to the use of any motor vehicle."
I have underlined the key bit - it only covers you if you are on your own bike that you left home on. So I am not covered on a hired bike.
I probably will take out a single trip insurance: the bank account policy still covers all our other holidays. Question then is, do I tell NatWest that I forego cover for the US trip or keep them in the dark in case I claim for non-motorcycling reasons (e.g. it gives me cancellation cover from now to October that a single trip policy would not)?
Thanks for your help - do you bill by the hour?