Travel insurance trail riding Portugal

[jasext]

Been reading through the threads on here, still cant find out exactly what I'm looking for.

I have rang Voyager as a few on here have mentioned it but they no longer offer repatriation for a motorcycle only the rider.

They also passed my details onto P J Hayman & Co with more forms to fill in asking more personal details before they will offer cover as they no longer do it direct.

Has anyone found travel insurance that offers repatriation for the bike and is it worth the extra cost ?

Thanks

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Moved to the insnorance section.

Richard

 

[Berin]

It’s usually the breakdown that repatriates the bike, if the driver taken ill.

At least mine does.


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[Wapping]

It’s usually the breakdown that repatriates the bike, if the driver taken ill.

At least mine does.

Who is your breakdown insurer with the personal illness extension to the policy and / or how did you obtain the insurance, will be the OP’s question(s), I guess.

 

[wessie]

You will need three products.

One for yourself, a travel insurance covering off road riding. I think Allclear have an activity pack you can add on to the base policy for this. Snowcard is another broker that covers riskier activities.

You will need a breakdown policy for the bike. This will repatriate the bike if it is unwell and cannot be repaired locally, but not if you bend it. You would need to get the bike from the trail to a public road as they aren't going to travel up a gravel track to find you.

Finally, you need your bike insurance. This is only likely to cover you on a recognised road subject to the local equivalent of the RTA. If you have an accident the policy covers repairs or repatriation if you have comprehensive cover.

I think you will struggle to find insurance that covers you off road for own damage or breakdown so you might need to bribe a local to chuck the bike onto the back of a donkey or 4x4 to get it to a road, then delete all of the satnav and phone data tracking your movements before calling the relevant insurer. UKGSer has an ambassador in the region who might assist with the donkey.

 

[Wapping]

Has anyone found travel insurance that offers repatriation for the bike and is it worth the extra cost ?

Repartition of the bike following what?

You falling ill and being unable to ride perfectly good bike home?

You injuring yourself somehow and somewhere, resulting in you being unable to ride the perfectly good bike home?

The bike breaking down, unable to be repaired locally or uneconomic to repair but you being fit and healthy?

You crashing the bike, rendering it unrideable but being uninjured yourself?

You crashing the bike and being injured, unable to ride the bike home?

Something else?


PS ‘Worth’ is a very loaded word, when it comes to insurance, especially on this forum.

 

[Berin]

Who is your breakdown insurer with the personal illness extension to the policy and / or how did you obtain the insurance, will be the OP’s question(s), I guess.

Separate cover. Personal illness cover is just that, pays my bills and repatriates me on the case of illness or accident.

Breakdown cover fixes the bike in case of accident or if it breaks down, and repatriates if it can’t be fixed, to the value of the bike, and also repatriates it if the driver is ill and can’t continue the journey.

Accident/illness is via my Amex card, I’ll check who breakdown is with.


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[wessie]

Breakdown cover fixes the bike in case of accident or if it breaks down, and repatriates if it can’t be fixed, to the value of the bike, and also repatriates it if the driver is ill and can’t continue the journey.

many breakdown policies will not cover accidents as this duplicates the cover in your bike insurance

 

[Wapping]

Separate cover. Personal illness cover is just that, pays my bills and repatriates me on the case of illness or accident.

Breakdown cover fixes the bike in case of accident or if it breaks down, and repatriates if it can’t be fixed, to the value of the bike, and also repatriates it if the driver is ill and can’t continue the journey.

Accident/illness is via my Amex card, I’ll check who breakdown is with.


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Thanks.

This is the one that the fellow might well need the details of….

Breakdown cover fixes the bike in case of accident or if it breaks down, and repatriates if it can’t be fixed, to the value of the bike, and also repatriates it if the driver is ill and can’t continue the journey.

 

[Wapping]

many breakdown policies will not cover accidents as this duplicates the cover in your bike insurance

That was precisely the case when I buckled the front wheel of my Pan European motorcycle in the south west of France, several years ago. The recovery people (I had breakdown cover and was myself uninjured, thankfully) coordinated with my motorcycle insurer over the bike’s recovery back to the UK and the continuation of my holiday in what was eventually two hire cars, one in France (surrendered in Calais) and another at Dover, which I handed back in London. The bike took about three to four weeks to arrive back in the UK, at Honda, Chiswick who made the repair (new front wheel) along with making good some additional damage which had occurred in transit, plus some that was there from several years before which they just did without me asking them to.

The very odd thing was that the claim never appeared on my motor insurance loss record. I have no idea why, nor did I enquire too hard. There again, Devitt and their branded BMW Motorrad insurance thing were notoriously chimplike.

 

[jasext]

Thanks for all the replies.
Basically I have European breakdown with auto aid, My insurance covers me to ride in Europe for 30 days so I just need basic travel insurance then ?

 

[Wapping]

You need insurance that works for YOU, not someone else. In other words, insurance that best matches the activities YOU know are undertaking, not what someone else on a forum thinks you might be doing or what that person thinks THEIR policy does or doesn’t do. Rest assured they probably won’t be around to help you out when your wheels have (quite literally) come off.

 

[redbullaholic]

So to clarify, just talking Travel Insurance now, not breakdown or mandatory vehicle insurance, what policies covers us for injury, hospital treatment etc if on an ACT /TET trail? been looking and the few that even come close have the limitations of: 'only cover guided tours' or 'roads that are recognised locally as regularly used byways and recognised on a map'

 

[Berin]

So to clarify, just talking Travel Insurance now, not breakdown or mandatory vehicle insurance, what policies covers us for injury, hospital treatment etc if on an ACT /TET trail? been looking and the few that even come close have the limitations of: 'only cover guided tours' or 'roads that are recognised locally as regularly used byways and recognised on a map'

I work on the basis that if it’s not excluded, it’s included. Legally, ACT, TET etc are roads, to ride them you need a road legal bike, so unless
Injury that happens on unsurfaced roads are excluded then I assume it’s ok- usual caveats to make sure it doesn’t exclude riding motorbikes etc.

A friend broke an ankle, I think it was, on trails in Portugal and was picked up very quickly by a 4x4 ambulance!


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