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

Get ready to embrace the thrill of exploring foreign lands on a motorbike or scooter! However, before you rev up your engine and hit the road, it's crucial to prioritisze your safety and protection.

As a UK citizen venturing abroad and considering some two-wheeled escapades, having buying the right travel insurance is a must. From unforeseen accidents to medical emergencies, ensuring proper coverage for your motorbike or scootermotoring activities is an essential aspect of your trip planning.

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 and your level of activity. Let's explore the key details:

Choosing the right coverage

  • When purchasing your travel insurance, it's essential to select the appropriate adventure sports coverage for your riding activities;
  • Please note that our policy does not cover motorbike touring or using a motorbike as your main mode of transport while abroad;
  • This cannot be added, even for an additional premium. Add 'motorbiking' (includes scooters) to your list of sports and activities when buying your travel insurance;
  • Additional restrictions apply based on the type of riding (on-road, off-road, trail biking, etc.) and the size of the bike/engine.

Adding motorbike and scooter activities to your policy

To get cover for riding a motorbike or scooter, list all the sports and activities you plan to try on your trip when purchasing your policy. Please note that changes cannot be made after your policy is issued.

Safety precautions and requirements

To be eligible for coverage while riding a motorbike or scooter, you must take the necessary safety precautions, including:

  • Wearing a helmet.
  • Obeying local road rules.
  • Holding a valid motorbike license in both the UK and the local country for the size of bike/engine you'll be operating. Different cc machines may require different licenses and levels of coverage under the policy.

Cover for accidents and emergencies

In case of an accident resulting in injury, our travel insurance provides offers coverage for the following:

  • Evacuation: If urgent and medically necessary (including helicopter evacuation when available), we arrange transportation to the nearest appropriate medical facility;
  • Emergency medical expenses overseas: We cover necessary hospital treatment or treatment at a local medical facility;
  • Repatriation: If you're injured and unable to continue your trip, we arrange transport back to your home country.

Medical transport and repatriation

Subject to our approval, the medical transport and repatriation benefits are payable for up to a maximum of 12 months from the date the sudden illness first manifested or the injury occurred. If an incident occurs, immediately contact our 24/7 Emergency Assistance team and maintain contact until you no longer require treatment or assistance.

Payment for medical treatment

Payment for medical treatment depends on the circumstances and necessary treatment required. It may involve your upfront payment with later reimbursement or direct payment by us, depending on the situation.

Exclusions and limitations:

While our travel insurance provides extensive coverage, it's important to be aware of what's not covered. Take the time to read the policy wording, including the terms, conditions, limitations, and exclusions. Here are some key exclusions:

  • Theft or damage to the motorbike or scooter, whether owned, borrowed, or rented,
  • Personal liability while riding or operating the motorbike;
  • Unattended belongings with the motorbike;
  • Riding a motorbike at a professional level (paid or sponsored);
  • Participating in international motor sports event.
Get your quote today and get ready to ride.

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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


For policies purchased 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