VHI and motorcycles

[patzx12]

I was looking at the VHI multi trip travel insurance. It does not cover motorcycling.
This clause in buried in the Terms and Conditions.

I don't know the story is with our: HealthPlus Access if travelling within Ireland or the UK.

I suspect it does not cover Europe.
I made an enquiry and awaiting a call back.

Any knowledge base out there with Irish tossers? and info on your Multi trip policy.

 

[patzx12]

This from the VHI website Re: HEALTH PLUS PLAN (The old Plan B).

Emergency Treatment Abroad Form
(h) While Vhi Assist will provide the option of direct payment to medical providers treating customers abroad, the providers may not always accept
such arrangements and therefore we cannot guarantee direct payment.
(i) If direct payment is not accepted, the customer should submit their receipts on their return to Ireland to Vhi, together with a completed part
1 & 2 of the ‘Treatment Abroad Form’, which is available from any of our offices or at www.vhi.ie. The medical details will be submitted
directly to us through Vhi Assist.
(j) For cases not managed by Vhi Assist, we will require a fully completed ‘Treatment Abroad Form’ to be submitted in support of your claim for
emergency hospital treatment abroad. The medical information on this claim form must be completed in English.
Exclusions
(k) Vhi Assist services or any other benefit in respect of treatment abroad, will not be available for any of the following:
• Injuries caused during mountaineering (above 4000 metres), motor competitions or professional sports
• Injuries you receive while breaking the law
• Injuries caused by air travel unless you are a passenger on a licensed aircraft operated by an airline
• Routine Dental Treatment
• Routine maternity or pregnancy related conditions
• If the customer travels against medical advice
• If the customer travels abroad to get treatment
• Convalescence or Rehabilitation services.
Repatriation services under Vhi Assist will not be available for any of the following:
• Illnesses or accidents arising from drinking alcohol or taking drugs
• Deliberately injuring yourself
• Any nervous or psychiatric condition
• In the case of war, civil disturbance or terrorism, where we do not deem it safe to send our medical repatriation staff into the area where the
patient is staying. Vhi Assist does not take the place of travel insurance and we recommend that you buy travel insurance before you go
abroad. You may wish to consider MultiTrip from Vhi Healthcare.
Also, where a customer intends to travel abroad for longer than 180 days in any calendar year, we recommend that you buy separate insurance
cover for your trip. You may wish to consider Vhi International.
Please see www.vhi.ie or contact one of our offices for further details of our treatment abroad procedure.

 

[nud1e]

This from the VHI website Re: HEALTH PLUS PLAN (The old Plan B).

Emergency Treatment Abroad Form
(h) While Vhi Assist will provide the option of direct payment to medical providers treating customers abroad, the providers may not always accept
such arrangements and therefore we cannot guarantee direct payment.
(i) If direct payment is not accepted, the customer should submit their receipts on their return to Ireland to Vhi, together with a completed part
1 & 2 of the ‘Treatment Abroad Form’, which is available from any of our offices or at www.vhi.ie. The medical details will be submitted
directly to us through Vhi Assist.
(j) For cases not managed by Vhi Assist, we will require a fully completed ‘Treatment Abroad Form’ to be submitted in support of your claim for
emergency hospital treatment abroad. The medical information on this claim form must be completed in English.
Exclusions
(k) Vhi Assist services or any other benefit in respect of treatment abroad, will not be available for any of the following:
• Injuries caused during mountaineering (above 4000 metres), motor competitions or professional sports
• Injuries you receive while breaking the law
• Injuries caused by air travel unless you are a passenger on a licensed aircraft operated by an airline
• Routine Dental Treatment
• Routine maternity or pregnancy related conditions
• If the customer travels against medical advice
• If the customer travels abroad to get treatment
• Convalescence or Rehabilitation services.
Repatriation services under Vhi Assist will not be available for any of the following:
• Illnesses or accidents arising from drinking alcohol or taking drugs
• Deliberately injuring yourself
• Any nervous or psychiatric condition
• In the case of war, civil disturbance or terrorism, where we do not deem it safe to send our medical repatriation staff into the area where the
patient is staying. Vhi Assist does not take the place of travel insurance and we recommend that you buy travel insurance before you go
abroad. You may wish to consider MultiTrip from Vhi Healthcare.
Also, where a customer intends to travel abroad for longer than 180 days in any calendar year, we recommend that you buy separate insurance
cover for your trip. You may wish to consider Vhi International.
Please see www.vhi.ie or contact one of our offices for further details of our treatment abroad procedure.

The VHI Multitrip travel insurance doesn't cover you for motorcycles and they triple the premium when you turn 65. AA multi trip travel insurance doesn't explicitly cover you in the details of what you are covered for but you are not excluded if you hold the correct Irish licence. The AA insurance is underwritten by AXA whose own policy is more expensive and not as good.

 

[patzx12]

From the Multi trip T&C

The following pursuits and activities are covered if they are non-professional and at Amateur level - Abseiling, Athletics, Badminton, Baseball,
Basketball, BMX cycling, Bowls, Cricket, Cross country running, Curling, Cycling, Fell running, Golf, Gliding, Heptathlon, Hiking (under 2,000
metres altitude), Jogging, Netball, On-piste skiing and snowboarding, Orienteering, Rambling, Roller Blading (Line Skating), Rounders, Running,
Sprint/Long Distance, Safari (organised – no guns), Sand Yachting, Scuba Diving (max depth 30 metres qualified), Skate boarding, Snorkeling,
Squash, Tennis, Trekking (under 2,000 metres altitude), Triathlon, Volleyball, Water Polo, Windsurfing, Yachting (crewing inside territorial waters).
The following activities are covered if they are non-professional and at Amateur level but have no cover under Section 7 - Personal Liability and
Section 8 – Personal Accident:
American Football, Animal Conservation/Game Reserve, Archery, Bungee jumping, Canoeing – inside territorial waters, Clay pigeon shooting,
Cross channel swimming, Dry skiing, Fencing, Field Hockey, Fishing (Fresh water and deep sea), Flying as a passenger (private/small aircraft),
Football, Gaelic Football (non-competitive), Glacier Skiing (with a guide), Go Karting (recreational use), Gymnastics, Handball, Hiking (over 2,000
but under 6,000 metres altitude), Horse riding (no Polo, Hunting, Jumping), Hot air ballooning, Ice hockey, Jet Boating, Jet Skiing, Kayaking –
inside territorial waters, Kite Surfing/Landboarding/Buggying, Lacrosse, Marathons, Motorcycling (under 50cc – no racing), Motor/Power Boating,
Mountain Biking (on or off road), Mountain boarding, Mountain Climbing (up to 4,000 metres), Off-piste skiing or snowboarding (with a guide),

 

[de crowe]

insurance

Pat, I use the AA multi-trip policy which I understand is underwritten by Axa. From my enquiries with them i understand the situation under my policy to be that so long as i am not off road, i.e. I am on the public highway, and riding a bike I am licensed to ride then I am covered. I always have a discussion with them on my annual renewal which I hope is being recorded for more than just training purposes.

p.s. How is the LC Adventure going or are you in Spain?

 

[patzx12]

Hi Con,
I am awaiting a call back from AA
You must be covered under: grade 4

Re: Winter exodus, It will be the USA this year.
I have sorted the air freight for the GSA
Proper Visa, not waiver.
I have a few options for road insurance.
Looking at medical insurance now (long stay) 2 to 3 months, this is the biggie and has to be "cast iron" solid.

 

[de crowe]

Hi Con,
I am awaiting a call back from AA
You must be covered under: grade 4

Re: Winter exodus, It will be the USA this year.
I have sorted the air freight for the GSA
Proper Visa, not waiver.
I have a few options for road insurance.
Looking at medical insurance now (long stay) 2 to 3 months, this is the biggie and has to be "cast iron" solid.

You might consider sending a pm to Aidan1150 or Sgt Bilco given their considerable experience with big trips in the states or perhaps look up the globebusters site or horizon unlimited. Enjoy your trip and I hope you never have to call on your travel insurance.

 

[patzx12]

Chris has been my mentor, Top bloke.

 

[patzx12]

Bad news Con, just off the phone, motorcycles over 125cc ARE NOT COVERED under AA travel insurance.

Grade 4 – You will not be covered when participating in the following sports and activities.
Under no circumstances will any claims arising from any unlisted activities be covered regardless of
whether undertaken as part of an organised excursion or event, unless declared to and agreed by us
and an additional premium paid if required.
Base jumping
• Boxing
• Canyoning
• Cave diving
• Caving
• Cliff diving
• Cliff jumping
• Driving on a race-track
• Flying other than as a fare
paying passenger
• Gliding
• Hang gliding
• Horse jumping
• Horse racing
• Martial arts
• Microlighting
• Motor racing speed
performance or endurance
• Motor rallies
• Motorboat racing
• Motorcycle racing
• Motorcycling (125cc and
over)
• Motorsports
• Mountaineering
• Parachuting
• Paragliding
• Parascending (over land)
• Polo
• Potholing
• Professional sports
• Quad biking
• Rock climbing without ropes
and guides
• Safari with guns
• Shark diving
Steeplechase
Grade 3 – Your policy can be extended to cover the following sports and activities when the
appropriate premium is paid, but no cover will be available for Section (D) Personal Accident or
Section (G) Personal Liability sections and section (B) Emergency Medical and Other Expenses
will be subject to a policy excess of €200 per insured person, each and every incident.
• Hot air ballooning
• Jet biking
• Jet skiing
•
• Mountain bicycling on tarmac
Motorcycling under 125cc (no racing and as a
means of transport only)
• Paintball
• Sailing (Outside 20 Nautical Miles of the coastline)
• Scuba diving (Qualified and above 40 metres)
• War games
• Yachting (Outside 20 Nautical Miles of the

 

[Kamikaze]

That's new, if I'm not mistaken.
Before Russia, I rang the AA, was told that as long as I wasn't rallying/racing and I held the appropriate licence, I was covered regardless of engine size but I could only book online.
I CAREFULLY examined the policy wording at the time, was happy that I was covered and paid.

 

[de crowe]

That's new, if I'm not mistaken.
Before Russia, I rang the AA, was told that as long as I wasn't rallying/racing and I held the appropriate licence, I was covered regardless of engine size but I could only book online.
I CAREFULLY examined the policy wording at the time, was happy that I was covered and paid.

Likewise, I make the point on renewal of advising i will be riding a bike greater than 125 and some times they have to call you back etc. but it is confirmed to my satisfaction that I have cover.
My AA membership and regular health insurance have some beneficial impact on my travel insurance premium wise. must look again before january trip. i hope i don't ever have to rely on it.

 

[patzx12]

No better man to look at the fine print Con.
Its a bit of a headache for the rest us. It could transpire that your holiday insurance does not cover motorcycles but your road insurance green card does.
AA was a definite and emphatic NO.
I think we all should look carefully at the issue of medical cover before heading off.
I shudder to think what clauses was in my travel insurance during my Australia and Japan jaunts.
The UK members have a much better choice of suppliers.

 

[Ogmios]

Hmm,
my travel insewerance was with AA also.
That was in Sept.
I asked / checked thoroughly and was covered on the Bike.
Too true that UK has bigger market and so way better choice and price.

 

[patzx12]

Hmm,
my travel insewerance was with AA also.
That was in Sept.
I asked / checked thoroughly and was covered on the Bike.
Too true that UK has bigger market and so way better choice and price.

Its clearly written up in the T&C: No Motorcycles over 125cc and they gave me verbal confirmation.

 

[Ogmios]

Its clearly written up in the T&C: No Motorcycles over 125cc and they gave me verbal confirmation.

I checked the written T+C's and on phone - at that time i was covered.
Might still have the booklet - i'll look for it if you like
It would seem the policy has been revised since September.

 

[patzx12]

After some phone calls my understanding is:
VHI HealthPlus Access: has emergency medical cover world wide up to €65,000 and does not exclude motorcycles. I think there is also repatriation in there.
Irish based travel medical insurance policies do exclude motorcycles.
Check your Bike policy or bike green card, there may be some medical cover in there or could be added.
USA is another thing:
I can get the VHI add on travel insurance which excludes motorcycles but still essential.
USA Bike insurance with Fernet.
The top spec policy has good medical cover at:
1 month: €370
2 month: €750
3 month: €1150

 

[Firefox]

After some phone calls my understanding is:
VHI HealthPlus Access: has emergency medical cover world wide up to €65,000 and does not exclude motorcycles. I think there is also repatriation in there.
Irish based travel medical insurance policies do exclude motorcycles.
Check your Bike policy or bike green card, there may be some medical cover in there or could be added.
USA is another thing:
I can get the VHI add on travel insurance which excludes motorcycles but still essential.
USA Bike insurance with Fernet.
The top spec policy has good medical cover at:
1 month: €370
2 month: €750
3 month: €1150

If you had a bike accident in the States, that might get you to an ED and a night in hospital