Am I covered by travel insurance if I'm riding a motorbike or scooter?

There may be cover available under the policy if you want to ride on a motorbike or moped (scooter) while abroad, but be sure to choose the right adventure sports coverage depending on what type of bike you’ll ride.

As we’ve recently changed our insurer, please select the date you bought your policy:

Policies purchased on or after 1 Nov 2018 (GMT)

Policies purchased before 1 Nov 2018 (GMT)
 

For policies purchased on or after 1 Nov 2018:

TThere’s cover available under the policy to ride motorbikes or mopeds (scooters) while abroad, as long as you choose the right adventure sports coverage and depending on what type of bike you’ll ride.

What’s covered?

Please be aware that this policy cannot cover you for motorbike touring or when using a motorbike as your main mode of transport while travelling abroad. This can’t be added, even for an additional premium.
When buying your travel insurance, add ‘motor biking' (includes scooters) to the list of your sports and activities. Restrictions apply depending on what type of riding you’ll be doing, eg on-road, off-road, trail biking etc, and the size of the bike/engine.
You must add all the sports and activities you plan to try on your trip and pay any applicable additional premium when you buy your policy. You won’t be able to make changes after your policy is issued.

How it works

To receive cover when riding a motor bike or moped, you must take all the usual safety precautions including:

  • Wearing a helmet.

  • Obeying the local road rules.

  • Having a valid motorbike licence in the UK and in the local country for the size of bike (engine) you’re operating (different cc machines require different licences and levels of cover under the policy).

If you have an accident and are injured, cover is available for:

  • Evacuation if it’s urgent and medically necessary (by helicopter if medically necessary and available).

  • Emergency medical expenses overseas for treatment at the hospital or local medical facility.

  • Repatriation home if you’re injured and unable to continue your trip.

If something happens, you or someone with you must contact our 24/7 Emergency Assistance team immediately and remain in contact until you no longer require treatment or assistance.
Who pays for medical treatment depends on what’s happened to you and the necessary treatment required.

What’s not covered?

The policy isn’t designed to cover everything. Take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details on what is and isn’t covered. That way there are no surprises if you need to use it.
Here are some of the main things that aren’t covered:

  • Theft or damage to the motorbike or moped, whether owned, borrowed or rented.

  • Your personal liability while you’re riding

  • Any of your belongings left unattended with your motorbike.

  • Riding a motorbike at a professional level i.e. you are being paid or sponsored.

  • If you compete at international events as a national representative or in any motor sports, including racing or participating in speed or time trials.

  • Anything else that's listed in the General and Specific Exclusions of the policy.

Note: For policies purchased on or after 1 August 2019, your World Nomads policy is underwritten by XL Catlin Insurance Company UK Limited. For policies purchased between 1 November 2018 and 31 July 2019, your World Nomads policy is underwritten by certain underwriters at Lloyd’s.
 

For policies purchased before 1 Nov 2018:

There’s cover under the policy if you want to go for a ride on a motorbike or moped (scooter) while abroad.  Restrictions apply depending on what type of riding you’ll be doing eg on-road, off-road, trail biking etc and the size of the bike/engine so you must sure to choose the right adventure sports coverage depending on what size and type of bike you’ll ride so you’re covered should anything go wrong.

Please be aware that this policy can NOT cover you for motorbike touring or when using a motorbike as your main mode of transport while travelling abroad. This can’t be added, even for an additional premium.

What’s covered?

If you have an accident and are injured while riding a motorbike, moped or scooter, we’ll cover:

  • evacuation if urgent and medically necessary ((by helicopter if medically necessary and available)
  • emergency medical expenses for treatment at the hospital or local medical facility and/or;
  • repatriation home if you’re seriously injured and unable to continue your trip.

If something happens, you or someone with you must contact the Emergency Medical Assistance Service immediately and remain in contact until you no longer require treatment or assistance.

Who pays for medical treatment depends on what’s happened to you and the necessary treatment required.

How it works:

To be covered when riding a motorbike or moped, simply add ‘motorbiking' (includes scooters) to the list of your sports and activities when getting your quote. It's that simple! It's important to do this before you buy the policy as you won’t be able to make changes after your policy is issued.

For cover to apply you must also take all the usual safety precautions including:

  • wearing a helmet
  • obeying the local road rules
  • having a valid motorbike licence for the machine’ (because different cc machines require different licences)

What’s not covered?

The policy isn’t designed to cover everything. Take the time to read the terms and conditions in the policy wording for full details on what is and isn’t covered. That way there are no surprises if you need to use it.

Here are the main things that aren’t covered:

  • motorbike touring or when using a motorbike as your main mode of transport.
  • riding a larger cc bike or scooter than is covered under the policy and adventure sport option chosen
  • riding without the proper licenses at home or locally  
  • putting yourself at risk by not wearing a helmet
  • theft or damage to the motorbike or moped, whether owned, borrowed or rented.
  • your personal liability while you’re riding.
  • any of your belongings left unattended with your motorbike.
  • riding a motor bike at a professional level i.e. you are being paid or sponsored or if you compete at international events as a national representative or motor sports.
  • Anything else that's listed in the exclusions on the policy.

 

Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.


Related Articles

View more

Can't find the answer you are looking for?

Contact us

Our contact details

We’re here to help if you have a question about travel insurance.

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

Contact us

Phone

For policies purchase on or after 1 November 2018:


0800 260 5081


+353 21 237 8000

_________________


For policies purchased before 1 November 2018:


0330 660 0738


+44 (0) 330 660 0738