worldwide travel insurance..

[Pauly S]

Anyone claimed? how do you rate them?
This co is recommended in the database.
here
cheers Pauly.

 

[Wapping]

If you intend to go motorcycling, check the wording.

From a very brief scan from the address you provided, the policy says, under the Personal Accident section:

You are not covered for

a. claims resulting from motorcycling or quad biking.

So it may well not suit your purposes, perhaps?

It appears that you have to buy the exclusion back (remove it) by paying an additional premium. Please check and, if so, make sure you do pay the additional premium, pleeeeeeease.

If don't you want to ride a motorbike, it may suit you admirably.

PS Most sellers of insurance provide the full policy wording as a part of the proposal / sales offer.

Bring it up on the screen and hit the search button (usually hidden under the 'edit' tab). Search for 'motor' which should find any word with those five letters. Then read what it says, having in mind the sentence or paragraph may well be part of a broader section. For instance, reading: 'Motorcycles over 125cc' may well not mean larger capacity bikes are included, if the sentence is part of a section that is headed: 'The following are excluded'.

Search for 'motorcycle' and 'motorbike', too. Just in case your search button is very word specific.

Search the whole document, of course.

If the exclusion relates just to Public Liability, that is probably fine. All bog standard Motor policies cover that unfortunate eventuality.... Providing the Motor policy you bough covers the country you are riding in.

 

[Pauly S]

Thanks Mate

I'll give them a ring and see if overland motorcyling is included.
There is a tab somewhere i recall, which mentioned "overland motorcycling" in band A.
Maybe its an upgrade.
cheers again Pauly.

 

[Tim Cullis]

My insurance was due for renewal so this was a timely thread!

I've been with WorldWideInsure for five or more years on an annual multitrip family policy but never had to claim. As the terms and conditions could have changed I printed out the policy and phoned them up today to check, saying that I don't have a car and I normally travel by motorcycle.

The important thing is whether you are covered for medical expenses, air ambulance, etc for accidents arising from a motorcycle accident and you ARE.

There's two exclusions: under personal liability you are not covered if you are driving any motorised vehicle (car, bike, whatever). I assume this is because it would normally be covered via your vehicle insurance.

And under personal accident you are not covered for death/loss of limbs/loss of sight if motorcycling.

So I renewed my police again.

There is a general exclusion for hazardous activities such as parachuting, motor racing, grade 5+ canoeing and so on. My judgement would be that an accident arising from riding on sand dunes as part of a group of hooligans on offroad KTMs might be iffy, but riding what is essentially a road bike on an unsurfaced local road (piste) which is in daily use by local 2WD traffic should not be considered a hazardous activity.

(Otherwise we are in danger of not being covered every time we ride on a gravel pub car park.)

.

 

[AberdeenAngus]

So I renewed my police again.

You paid the Bill ?

 

[Geoff Crowther]

Endsleigh provide travel insurance for single trip or annual.
If you select the lower of their "add-on" categories for hazardous activities you'll find it includes off-road motorcycling, except for competitions.
I reckon it's pretty good cover from a long established provider.
They also give a lower price if you delete personal effects cover. I have this on my household policy. Worth seeing if you do
Good luck,
Geoff

 

[Tim Cullis]

You paid the Bill ?

It would appear so, thanks to Android phones and their spelling correctors.

 

[Tonibe63]

Last year I checked with Directline about being covered on my home insurance policy and was told if the motorcycle is yours and is the method of travel on holiday then you are covered the same as you would be in your own car.
The 125cc exclusion clause only applies if you ride the bike as part of an excursion ie. if you hire the bike.
We are looking to fly/ride Morocco this year so will have to think again about travel insurance.

 

[Pauly S]

Att Tim

You have to add an extra bit to the policy, its in section A, its an additional bit, it was an extra £8 to cover motorcycle overland touring.
I spoke to them today.

 

[turnipbmw]

I just bought some worldwide holiday insurance and had to laugh when I saw that I get hole in one cover of £100

 

[Tim Cullis]

You have to add an extra bit to the policy, its in section A, its an additional bit, it was an extra £8 to cover motorcycle overland touring.

I've had a look and can't see a 'section A', can you be more specific?

Tim

 

[Pauly S]

There you go Tim

here
scan down the page to Rate A, you will see motorcycle overlanding cover which is an extra chargable addition.It costs eight quid extra.
Its under sports and activities, on the top left of the page on the original link.
hope that helps, Paul

 

[Tim Cullis]

Email that I sent to Worldwideinsure...

Before taking out the most recent policy I spoke to a lady (twice) on the telephone on 11 February. I stated that I normally travelled by motorcycle rather than car and was told the two restrictions that would be applied were
- personal liability cover wouldn't be in place whilst using a motor vehicle
- personal accident cover wouldn't be in place whilst riding a motorcycle.

Accordingly I took out the insurance, however I was then informed by a friend that under 'sports and activities' I needed additional one-off premium of £8 to cover 'motorcycle overland touring'. I was rather concerned about this as I had disclosed my normal form of transport in the telephone conversations of 11 February.

So I telephone today and was told that 'motorcycle overland touring' doesn't mean (in the example I quoted) touring overland from France to Germany and Switzerland, rather than it means touring offroad. Could you please confirm that overland touring as I understand it IS covered.

And then I am uncertain what is meant by touring offroad. In some countries including the USA there are many roads used daily by local 2WD cars and vans that have a macadam surface (stone) rather than a tarmacadam sealed surface. Can you please confirm these local roads are NOT classified as offroad?

The other thing I was told is that if I did want cover for 'touring offroad', then I would need to define in advance how many days I would be offroad and that premium would be as much as £22.

And the response received...

Thank you for your enquiry. First to confirm off road, this would be travelling off the public highway obviously the road surface / type of road can change depending on the country that you are in but as long as this is the 'public highway ' then you would not be considered off road.

Motor cycle touring is using your motorcycle as your means of transport to travel around.

Due to queries on when this becomes overland touring we have changed the definition. Recreational motor-cycling up to 23 days will not have any additional premium. Over 23 days and / or off road will have an endorsement this is charged at rate A under our sports & activities cover, so for instance 31 day in Europe would be charged at an additional £12. Therefore you trip to Europe if under the 23 day period will be cover with the exception of

- personal liability cover wouldn't be in place whilst using a motor vehicle
- personal accident cover wouldn't be in place whilst riding a motorcycle.

I hope this has clarified the situation for you but if you have any further queries please do not hesitate to contact us.

From my experience in trying to buy land in Morocco, I am aware that the majority of pistes ARE regarded as public highway and indeed the Cadastre et Fonciere (land registry) has a defined width of land (5m) that the government owns either side of the piste. I need to re-read the rest of it, but it seems that for most people the standard insurance will suffice?

.

 

[MGJ]

Just used them nice quick and simple so far.