International Travel Insurance

Discussion in 'Australia' started by CleanHen, Jul 18, 2015.

  1. CleanHen

    CleanHen Adventurer

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    Wife and I are hiring a R1200GS to travel the South Island of NZ for 2 weeks, just wondering if anyone has any recommendations for motorcycle friendly travel insurance?
    #1
  2. McCardigan

    McCardigan happy Budda

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    Contact Bernie Ryan at IBG Insurance brokers, they are in Melb 0417 354 772, I use him for all my m/c travel insurances, he does a lot of m/c related ins and is a Kiwi too.

    A good man to deal with.

    Chris
    #2
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  3. CleanHen

    CleanHen Adventurer

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    Thank you for the info, appreciate that!
    #3
  4. gavo

    gavo Slacker

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    check that any insurance covers the capacity you,re riding as some policies stipulate
    under 250cc
    #4
  5. Turborob

    Turborob .

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    iTrek has no motorbike CC limitations. I used, but never made a medical claim. Luggage claim was fast and good.
    #5
  6. Shakey!

    Shakey! Pants....That is all

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    Some banks offer free travel insurance via your credit card if you spend more than $250 towards your trip on said card, i.e. airfares. Most are underwritten by QBE who will cover you as long as you wear a helmet and have the appropriate licence here in Australia for the bike. I went through this when I went to Vietnam last year. ( The joys of having an specialist insurance lawyer for a wife...)
    #6
  7. Woody2627

    Woody2627 Grey Wobbler

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    When I looked into my ANZ Visa insurance it limited you to 250cc. Be careful.
    #7
  8. CleanHen

    CleanHen Adventurer

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    Thank you for the replies!
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  9. Eddywoodgo

    Eddywoodgo two wheeled nomad

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    I used aussie traveler and they covered me on my DR 650 crusisng the america's for the last year or so.
    Never made a claim so dont really know how they go in the advent of shit hitting the fan.
    As the other guys say double check cause most limit the cc's of bikes your covered on..Aussietraveler didnt
    #9
  10. Kimi

    Kimi Been here awhile

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    we used WorldNomads, just don't use the insurance offered by the travel agent - rubbish
    Also WorldNomads has no restrictions on bike size and has optional extras for adventure type activities should you want to go white water rafting, bungee jumping or other fun things in NZ, I believe there is a "park" ? there that has heaps of fun stuff ? and luckily they are on the correct side of the road.
    #10
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  11. glitch_oz

    glitch_oz Long timer

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    Travel insurance for bike travel is a mine field.
    For the start there are only a good half-dozen underwriters who insure the insurers!!. And it's THEIR policies one buys. i.e. Allianz Underwriting stands behind at least a dozen Travel Insurance mobs out there, from 1cover to Aussie Post, WorldCare to Commonwealth Bank etc etc.
    If you ship your bike, only the medical side is important in case of an off...and yes, various underwriters (and therefore the mobs re-selling their product with all it's good+bad) stipulate varous CC-limits or no cover for bike-related injuries at all.

    Hiring a bike is a different story.
    It involves added cover for the rental excess amount, which can often be quite hefty , in the US in particular. Rent a GS/ Hog or whatever for a few days or weeks, the rental excess (or collision damage or whatever they like to call it) can be between US$1000 and US$5000....same in Europe, but in Euros. NZ rentals usually have a NZ$1500-4000 excess on them.
    And NO, that's NOT covered by your full-comp insurance you paid for with the bike-hire!!
    A drop at a carpark of a rented MultiStrada can easily cost 3grand in plastics alone...and they're ALL out of the travellers pocket if not insured for it.

    Been there, done that...and won't buy travel insurance without a most thorough check of the details before signing up.
    Cover for !!MOTORCYCLE!! Rental excess is crucial.
    As of last week, I only know of 2 insurances that have either replied to specific questions via email or have m'cycles listed in their PDS (by name) as rental vehicles.

    The often asked question : Do you cover bikes? is often answered by the insurance-sellers with a glib "sure we do"...and all they mean is some medical cover for the X-rays after gravel-surfing a 50cc scoot in Bangkok.
    READ the PDS docs!!

    Just bought a half-dozen policies through QBE for an NZ ride, as they specifically list bikes as rental vehicles and cover both the medical risk as well as the rental excess.
    Needless to say, you'll need a matching Aussie license for the bike you're renting.
    We previously used WorldCare for years until the Allianz Underwriting stopped covering bikes as rental vehicles.....and therefore all its re-sellers changed their PDS docs to reflect that change.
    #11
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  12. CaptainFur

    CaptainFur Adventurer

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    I've used Worldcare before, from my reading of the PDS - motorcycle rental is still covered as long as you are appropriately licenced.
    #12
  13. CleanHen

    CleanHen Adventurer

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    Guys, thanks heaps for the info, very helpful!
    #13
  14. glitch_oz

    glitch_oz Long timer

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    Aussietravelcover
    https://www.aussietravelcover.com.au/ and
    WorldCare
    http://www.worldcare.com.au
    are both underwritten by Allianz....which means:

    For medical claims resulting from a bike accident, where you possessed the relevant AU-license to ride that bike and/ or to their specified cc-limits)...yes.
    Camper + car rental excess= yes
    Motorcycle Rental excess cover...NO!!

    If there is no specific mention of motorcycle/ motorbike/ bike/ 2-wheel etc etc in the vehicle excess cover section, email them for clarification. DON'T assume!

    I just read and researched and emailed back and forth over 45 different mobs and their current PDS docs over the last 8 weeks. (been doing it regularly for a decade or more).

    We used WorldCare in the past, they changed their PDS sometime between ~Dec 2013 and July 2014, our initial claims were rejected until we were able to proof that our policies were taken out under the old PDS wording ...and I had their email-reply in print!
    #14
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  15. glitch_oz

    glitch_oz Long timer

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    Being a UK based mob (BUPA UK, via their Cerberus subsidiary), they don't have to provide a PDS.
    Hard to check out exactly and even harder to pin down in case of an argument as UK jurisdiction applies.
    #15
  16. Rider 101

    Rider 101 Time poor

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  17. glitch_oz

    glitch_oz Long timer

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    Again, ONLY the medical part, NOT the rental excess of the bike.
    It's a Lloyd's policy.
    Here their definition of a "rental vehicle" (from their current online PDS, Section 10, page 46 , http://www.travelinsurancedirect.com.au/pds)

    Bummer about that leg!!
    #17
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  18. notsoslow

    notsoslow Been here awhile

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    Thanks Pete, great clear information.
    #18
  19. jackiebishop239

    jackiebishop239 n00b

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    I'm looking at this also for touring Canada/US for three months on my own bike. You need to watch the luggage clauses as well - some are worded to exclude anything stolen from panniers as opposed to a locked or concealed compartment in a car or boot. I'm also finding "appropriate licence" clauses have hairs - an international drivers licence doesn't always count as a "valid licence in the country the bike is being operated in".
    #19
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  20. Kimi

    Kimi Been here awhile

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    So I think there are two things here - one insurance for yourself - we used WorldNomads and I read the document to check as we were doing some boating and kayaking and light aircraft/float plane to remote areas (as you do) and we could have done glacier climbing etc some of which can "raise" your cover because of "risk" level. I read it and so did the old boy (who reads legal stuff for his job) and they seemed to be pretty legit. Mind you we did not need to claim (which makes for a good holiday in my books). This also covered our belongings whilst travelling. We did not take expensive stuff with us so no need for extras (ie gopros or ipad tablet thingys).
    Then there is the hire of the motorcycles - while we did the International Drivers license thing this was a waste of time - they want to see your country of origin license. And we had as part of the hire of the bikes the option of an extra $10 US (i think) a day of the equivalent of comprehensive cover for the bikes ( couple of year old BM's/ the old boys was a newer model, with fitted panniers etc) This also covered travel to Canada and we were handed all the documents in a water proof bag to stash under the seat of the bike. We went with a reputable company, other companies did not offer the same level of cover - you had to find that yourself - are real turn off do deal with US insurance co's when your not a native. Again we did not have any problems or drops or any damage other than mud and a million insects splattered all over us and the bikes. We decided not to go with an emergency assist medivac thing as we had mates in the country. And they carried the bear spray etc.... something you wont have to worry about in lovely NZ.
    #20
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