What you need to know
According to Smarttraveller, "Australian travellers should ensure they wear helmets, preferably full-face helmets, and other protective clothing when riding motorcycles, scooters and mopeds overseas in order to minimise the risk of serious injury." But in order to actually be covered by your policy, most travel insurers will also require:
- That you have a valid Australian motorcycle licence.
- The motorcycle or moped must be less than the maximum engine size stated in the policy.
- You must be wearing a helmet.
- If you are a passenger, the driver must have a valid licence in the country you are in.
Hello,
I am travelling overseas with a tour company by motorcycle and am looking for specific excess removal insurance,from USD4000 down to USD1000 for a 14 day period. The motorcycle size is 600cc.I already have excellent travel insurance for all the other requirements and am an extremely competent motorcyclist.
Hi Tim,
Thank you for your question.
Generally, travel insurance does not provide cover for the insurance excess if you are hiring a motorcycle. However, travel insurance can cover you for car hire excess. If you are hiring the motorcycle from a rental company then it’s a good idea to check directly with the rental company as they might have the option of some basic cover.
Cheers,
Zubair
Hello,
I am looking for travel insurance which will have motorbike cover for a 250cc offroad bike to ride for 8 days in Cambodia. I only have a learners permit for a motorbike here in Australia, is that enough to get cover or must I be full licence with no restrictions?
Thank You
Brad
Hi Brad,
Thanks for your question. It’ll depend on the insurer but generally you won’t be able to get cover for riding a 250cc bike overseas if you only hold a learners permit. You may find cover for a bike with a lower engine capacity. For example, 1Cover will cover L platers who are riding 50cc motorcycles.
I hope this was helpful,
Richard
Hello
“Compare Travel Insurance Policies For Motorcycles”
the PDS of some of these policies do not seem to clearly mention motorcycle cover and specifically over 250CC. have these all been checked by finder for verification as such
Thanks
Hi Garry,
Thanks for your question. Yes, all of these conditions have been checked. Some of the policies do not make specific mention of the maximum engine capacity. However, none of the insurers in our panel (which outline a maximum) cover engines above 250cc.
I hope this was helpful,
Richard
Good Morning,
I was just wondering what choices i have regarding travel insurance policies that include Motorcycle under 120cc with me holding an Indonesian Motorcycle license?
Also, the policy pay out the hospital direct if anything were to happen rather than me paying & then having to submit a claim to get my money back.
Thank you
Hi Rosalind,
Thanks for your question. finder.com.au is a comparison service and we are not permitted to make product recommendations. The table above displays the limits and some of the conditions surrounding the use of motorcycles overseas. As for the payments to hospitals, this is policy dependant and varies from insurer to insurer.
All the best,
Richard