Thought I could get away with just using the free travel insurance which comes from having a current account with the Nationwide Building Society and to stop buying a separate travel policy to cover me on the bike in Europe. The policy wording looks good.... but
"This policy will automatically cover you on your trip for using hired motor vehicles of 125cc or less but you must wear a crash helmet and, if you are
the rider, you must hold a valid licence to drive that vehicle type where you live in the UK.
You will also be covered for vehicles above 125cc but only if you hold a valid licence to drive that vehicle type where you live in the UK, it is your mode
of transport from where you live in the UK and you are wearing suitable protective clothing.
Cover under Section F Personal Liability does not apply to the use of any motor vehicle".
What it does not say and is downright misleading is that you will only be covered if:
You are accident free for the past 3 years
Conviction free for the past 5 years (even although the DVLA considers Points spent after 3 years)
You are riding on a defined road (not so good is you go off-piste)
Luckily I checked as otherwise could have found they rejected any claim.
I have also noticed that the Post Office have changed their underwriters and policies this year ~ not for the better. You used to be automatically covered for trips up to 31 days; not anymore, the standard policy covers 17 days and you need to pay for an add-on if going longer.
"This policy will automatically cover you on your trip for using hired motor vehicles of 125cc or less but you must wear a crash helmet and, if you are
the rider, you must hold a valid licence to drive that vehicle type where you live in the UK.
You will also be covered for vehicles above 125cc but only if you hold a valid licence to drive that vehicle type where you live in the UK, it is your mode
of transport from where you live in the UK and you are wearing suitable protective clothing.
Cover under Section F Personal Liability does not apply to the use of any motor vehicle".
What it does not say and is downright misleading is that you will only be covered if:
You are accident free for the past 3 years
Conviction free for the past 5 years (even although the DVLA considers Points spent after 3 years)
You are riding on a defined road (not so good is you go off-piste)
Luckily I checked as otherwise could have found they rejected any claim.
I have also noticed that the Post Office have changed their underwriters and policies this year ~ not for the better. You used to be automatically covered for trips up to 31 days; not anymore, the standard policy covers 17 days and you need to pay for an add-on if going longer.
