Bike travel insurance

[malcopopolo]

Just took out annual travel insurance with Admiral. Riding motorcycles greater than 125cc under the hazardous activities is not listed.

I rang them as I had to declare a medical issue.

Discussed riding my bike in Europe and thay agreed to list it as an addition to my policy. It specifically states riding bikes over 125cc in Europe.

Additional premium cost an extra 9 pounds 20.
The whole policy cost £50 including medical history declarations although none serious.

Age 58.

Worth a quote..

 

[Pip5ter]

That’s a good price, who was it with?


Sent from my iPhone using Tapatalk

 

[Wapping]

That’s a good price, who was it with?

In the opening line of the opening post.

 

[littleade]

Unless things have changed the 125cc limit normally only applies to bikes you hire while you're in the EU, if you ride your bike from the UK abroad it's classed as your primary mode of transport so you're covered, but as ever the devil is always in the small print so may differ depending on your insurer.

 

[Wapping]

Unless things have changed….

Everyone should just read and understand their policy for themselves, rather than relying on what others think the polices might have said or “My mate says….” Or “But I think I heard or maybe read……”.

 

[OnHellas]

Everyone should just read and understand their policy for themselves, rather than relying on what others think the polices might have said or “My mate says….” Or “But I think I heard or maybe read”.

Yeah, but with a GHIC card……

 

[bigtwin]

Unless things have changed the 125cc limit normally only applies to bikes you hire while you're in the EU, if you ride your bike from the UK abroad it's classed as your primary mode of transport so you're covered,

And that very requirment rules out the riding of our own bikes if we transport them from the UK on a trailer or in the back of a van. The intent of the requirement is exactly as you say (ie to exclude nutters on a cheap package holiday going out and hiring a decent capacity bike) but, unfortunately, it’s a bloody nuisance when it excludes you riding your own bike.

The irony is that the risk is higher (more miles) if you ride from home than it is if you haul it out of the back of your van and do a couple of hundred miles.

 

[Wapping]

And that very requirment rules out the riding of our own bikes if we transport them from the UK on a trailer or in the back of a van. The intent of the requirement is exactly as you say (ie to exclude nutters on a cheap package holiday going out and hiring a decent capacity bike) but, unfortunately, it’s a bloody nuisance when it excludes you riding your own bike.

The irony is that the risk is higher (more miles) if you ride from home than it is if you haul it out of the back of your van and do a couple of hundred miles.

Contact your insurer (as I did) and point out the simple fault in the limitation ie. that it is safer to fly or drive to a location and then ride a motorcycle, than it is to ride the motorcycle there and back. They should, as they did for me, agree that I was correct.

Leaving that aside, in the event of a claim, the limitation would have to be proved to be reasonable. But that is a very different matter. Start with the phone call.

 

[stever1]

Just took out annual travel insurance with Admiral. Riding motorcycles greater than 125cc under the hazardous activities is not listed.

I rang them as I had to declare a medical issue.

Discussed riding my bike in Europe and thay agreed to list it as an addition to my policy. It specifically states riding bikes over 125cc in Europe.

Additional premium cost an extra 9 pounds 20.
The whole policy cost £50 including medical history declarations although none serious.

Age 58.

Worth a quote..

That’s cheap for an annual policy. Where does it cover ?

 

[glenn2926]

Contact your insurer (as I did) and point out the simple fault in the limitation ie. that it is safer to fly or drive to a location and then ride a motorcycle, than it is to ride the motorcycle there and back. They should, as they did for me, agree that I was correct.

Leaving that aside, in the event of a claim, the limitation would have to be proved to be reasonable. But that is a very different matter. Start with the phone call.

They may well agree that it is correct. That doesn’t mean they will change anything. Why would they? Insurance companies exist to make money not to be helpful.

====

Edited.

The unrelated question about trailers has been moved to the Motor section.

Richard

 

[Wapping]

They may well agree that it is correct. That doesn’t mean they will change anything. Why would they?

I didn’t ask the insurer to change anything. I simply took a contemporaneous and very clear - above all, honest - note of the conversation I had with the insurer, the person’s name, the subject matter, time and date. That, for me at least, was good enough. Others may differ and / or see a million reasons to do (or not to do) otherwise….. or believe (with no evidence at all, beyond “My mate says…”) that insurers never pay.

 

[Wapping]

That’s cheap for an annual policy. Where does it cover ?

Admiral Travel Insurance

Admiral offers a wealth of insurance products including Car Insurance, Home Insurance, Travel Insurance, Pet Insurance and Van Insurance

www.admiral.com

That will, as with many things, depend on the policy the fellow bought.

 

[malcopopolo]

Admiral Travel Insurance

Admiral offers a wealth of insurance products including Car Insurance, Home Insurance, Travel Insurance, Pet Insurance and Van Insurance

www.admiral.com

That will, as with many things, depend on the policy the fellow bought.

Policy covers Europe.

 

[Belco100]

Unless things have changed the 125cc limit normally only applies to bikes you hire while you're in the EU, if you ride your bike from the UK abroad it's classed as your primary mode of transport so you're covered, but as ever the devil is always in the small print so may differ depending on your insurer.

I have World Wide Travel Insurance included with one of my NatWest accounts that covers me and my wife. That includes travel on a motorbike if that is your form of transport (and you have a licence) but only up to 125cc if you hire a bike once you get there or do any kind of recreational fun (including quads ).