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Thread: THINKING OF TRAVELLING ABROAD WITHOUT INSURANCE?

  1. #17
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    Quote Originally Posted by redrick View Post
    That is interesting asBMW would not help Andy when he had his off in Spain

    Yes they recovered the bike but everything else was at his own expense as the BMW assist covers breakdown not accident. I can see their point as a mechanical failure that ruins your trip is their fault a fall or crash isn't
    It's question of what cover you have paid for - I think that there is breakdown cover and there is the emergency cover which provides cover for 'motoring emergencies' -

    https://www.motorrad-warranty.co.uk/EmergencyService

  2. #18
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    From a chance remark by Att concerning the waste of money on medical/travel insurance while overseas, we are now seeing comments on the benefits of it when incidents occur.
    I worked and rode in the Middle East for 15yrs with no accident from the Dead Sea to the straights of Hormuz. In my youth worked and rode in West Germany as a gastarbeiter.
    Maybe I ride too cautiously or gifted with luck (pls stay with me) but insurance not just covers incidents while riding but, whilst off it as well as mentioned by others.


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  3. #19
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    Pay 16K plus for a new bike
    Pay £1000 -£2000 for 1-2 weeks touring
    NOT PAY £40-£50 for travel insurance
    Never use it waste of money , use it once and 100 x plus what you paid
    Wonder of those who don't pay for travel insurance bother taking out house insurance , content insurance , life insurance ect
    if so why what is the difference

  4. #20
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    It's all about playing the odds..................

    Odds are - you won't have call to claim - but if you do.........

    For a simple medical evacuation from France/Germany/Spain etc - (not on a sched flight), you may need something of the order of £35,000 UP-FRONT. I don't expect any/many of us can produce that sort of money, while possibly incapacitated in a hospital bed.

    If the illness/injury aren't life-changing.............. the financial hit - could be.

    Al
    If I am ever on life support - Unplug me......
    Then plug me back in..........

    See if that works .....

  5. #21
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    I have just been looking at renewing my insurances
    I normally just do it on a pay per trip basis with Navigator but at £26 per single jaunt into Europe the Annual multi trip looks better value at £82 for gold policy

    FFS its £82 for a year and any number of trips peace of mind to take the risk is, IMO just Bonkers
    Just a Prospect at the moment

  6. #22
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    Quote Originally Posted by Blackal View Post
    It's all about playing the odds..................

    Odds are - you won't have call to claim - but if you do.........

    For a simple medical evacuation from France/Germany/Spain etc - (not on a sched flight), you may need something of the order of £35,000 UP-FRONT. I don't expect any/many of us can produce that sort of money, while possibly incapacitated in a hospital bed.

    If the illness/injury aren't life-changing.............. the financial hit - could be.

    Al

    And another thing, whilst you are incapacitated in bed, in a country where you perhaps cannot speak the language very well, it is very comforting to know that there is someone who will make arrangements on your behalf. One thing not to worry about and for me, that is well worth paying for

    Apart from those instances where insurance is compulsory, surely we all pay it for peace of mind in the main

  7. #23
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    Make your own choices. I insure things I couldn't afford to replace. So house insurance and public liability, but no contents, travel, gap, medical, tyres, bike gear etc.

    Self insurance is the way forward.

  8. #24
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    Quote Originally Posted by madmechanic View Post
    Pay 16K plus for a new bike
    Pay £1000 -£2000 for 1-2 weeks touring
    NOT PAY £40-£50 for travel insurance
    Never use it waste of money , use it once and 100 x plus what you paid
    Wonder of those who don't pay for travel insurance bother taking out house insurance , content insurance , life insurance ect
    if so why what is the difference
    Exactly..

  9. #25
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    Quote Originally Posted by stolzy View Post
    Make your own choices. I insure things I couldn't afford to replace. So house insurance and public liability, but no contents, travel, gap, medical, tyres, bike gear etc.

    Self insurance is the way forward.

    Well, of course people should "Make (their) own choices"

    But 'self insurance is the way forward' is only your choice.
    If I am ever on life support - Unplug me......
    Then plug me back in..........

    See if that works .....

  10. #26
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    One of the attractive things about ADAC Plus breakdown cover, is their WorldWide Medical repatriation service attached to it.

    This appears to be amongst the best available, they even have their own medical aircraft! I've read that the first back home from the infamous Thailand 'Tsunami in 2004', were those who had this cover. It comes with their Breakdown + cover and although I hope never to need it, I have it as a supplement to my normal annual travel cover policy, and EHIC Card.

    As has been said already, cost of bike and your all your gear - 10's of thousands; cost of accommodation, fuel and food etc - a couple of grand. So why would you not pay less than a hundred quid for a year's cover and hope that you'll never need it

    You pay your money and take the consequences

  11. #27
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    "My son Steven Andrew Didmon went for a simple Hernia operation at the Siloam Hospital in Bali on the 12th of July 2017.
    I always undergo surgery like that when on vacation.
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  12. #28
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    Quote Originally Posted by Neil W View Post
    My view is take out personal insurance just in case ,even when travelling within Europe and having basic E111 cover .

    If you chose not to and the worst happens then tough shit , I don't want to hear about your f*cking stupidity, if you lose your home to pay for medical bills or repatriation then it is your problem and not mine .

    I will have zero sympathy when your family appear on the local televison news programme with a sob story about how they cannot afford to get you (or your corpse home) and how they will not cope with paying the huge medical bills that have been generated .

    I will not be donating to a fund they set up ,it is all down to you .
    Lo and behold... On the tv news last night were a family who were on holiday in Turkey and the grandmother had had a heart attack.... she's now in a bad way in hospital and the family have a huge medical bill and no way of paying it let alone getting her back home...
    They thought they were covered as the grandmother had her EHIC and they thought Turkey was in the EU.
    No doubt they also thought the EHIC cover also included flights home with medical assistance...

    All for the sake of £20-£30

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  13. #29
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    You could always discharge yourself from the hospital you happen to be in; get your mate with his tyranny van, and an old mattress in the back , to come and pick you , your bike , and your kit up; a pocket full of drugs and booze for the journey home; and the jobs a gud un

  14. #30
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    Just back from a couple of weeks in Vietnam and Cambodia. Didn't do an organised tour, just booked things as we went along, so completely forgot about insurance, as there was no travel company reminding us. Daft, I know. Wifey crossing the street in Hanoi, looks right then left as she starts to cross the road. Wrong way to look, clearly - she was hit by a scooter and knocked flying, landing in a heap on the road. Thank god nothing was broken. She was unbelievably fine after it. However, it then dawned on us that we had no insurance. Could have been a disaster in so many ways. A good lesson to learn.

  15. #31
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    Along with these tales of brilliant insurance companies, I think it might help future travellers if they were named so we might benefit by picking the good recommended ones.

  16. #32
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    Quote Originally Posted by Rugged Path View Post
    It is a gamble we all take once in a while or some throughout life.
    Speak for you'self mate !

    i'd never travel without appropriate and well thought out insurance....
    Fucking idiots ( seems you are not the only one to be fair to you ! ) think they can play roulette with their finances and their lives ....

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