Motorcycle Travel Insurance Policies

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IMPORTANT CORONAVIRUS INFORMATION:

IMPORTANT – If you are travelling to a country against FCDO advice, ONLY our High Risk Voyager policy is valid. This policy is primarily for working or studying abroad, though leisure trips of up to 31 days can be covered.

ALL our other policies are completely invalid if you travel to a country against FCDO advice.

MOTORCYCLING TRAVEL INSURANCE POLICIES

Please note that these policies are NOT to insure your motorcycle and do NOT cover Third Party liability (Personal Liability). These are Travel Insurance policies for bikers, to cover you whilst travelling by motorbike, for medical expenses etc.

All our travel insurance policies will cover you for on-road motorcycling, with no cc restrictions, as long as you hold a FULL licence to be riding a bike of that size in your home country, and wear a crash helmet (even if local law doesn’t insist on it). On-road motorcycling does not necessarily have to be a tarmac road, but the road must be what passes for the road locally. (see below)

WHEN IS ON-ROAD NOT ON-ROAD? (Navigator Silver, Gold & Diamond policies).

We have recently lost our off-roading (Motorcycle Silver and Motorcycle Gold) policies, due to the underwriter pulling out.

We have policies with another underwriter, the Navigator Silver, Navigator Gold and Navigator Diamond, but these are principally for on-road motorcycling. True Off-Road motorcycling on personally guided organized tours can be covered, but only for a MAXIMUM of 7 days and at the Action Plus sport supplement, which doubles the cost. However, we have been talking to the underwriter and have agreed relaxed rules relating to what constitutes on-road motorcycling. We now regard on-road motorcycling as :

1 – Riding legally on Highways and Byways that are available for motorized vehicles (i.e.green laning etc). They should be substantial enough for a 4WD to negotiate.

2 – They MUST be marked on a map as roads (not footpaths/bridleways, for example)

3 – They MUST be rights of way for motorized vehicles, i.e. NOT restricted byways for walkers, push bikes and horses, and NOT forest fire roads which are not open to unauthorized motorized vehicles.

4 – As a rule of thumb, if you don’t need a licence, motor vehicle tax and insurance to ride on it, we would regard it as off-roading and you would NOT be covered. Highways and byways with legal access for motorized vehicles would require these documents.

5 – Unfortunately, the Navigator Silver and Navigator Gold are not as generous as the old policies. These will NOT cover motorcycle touring trips of more than 31 consecutive days unless you pay the Action Plus sport supplement which increases this to 62 consecutive days. There is NO cover for the bike or your gear (helmets/leathers and boots etc) and NO cover for Motocross or competitive riding of any sort, and NO cover for Track Days, or true off-roading (other than 7 days guided organized tour at Action Plus supplement), Enduro etc.

6 – If there is any doubt about the nature of the riding that you may encounter on your trip, we strongly recommend that you pay the Action Plus sport supplement, which extends cover to true off-roading for a maximum of 7 days of the trip, though this cover is only for organized guided (by a human!) motorcycling tours.

If you buy one of these Single Trip policies online, it is important that you start the cover on the date that you leave UK (or your home country) and end it on the date that you get home. If you just buy the policy for the few days in the middle of a trip when you are booked on a motorcycling tour, the policy will be completely INVALID. These are not top-up policies, they must cover the whole trip.

Which Policy Do I Need?

To minimize confusion, we have detailed the scope of motorcycling cover on our policies below :

Navigator Silver, Gold & Diamond. (Quote or buy online or by phone – 0161 973 6435)

Cover for On Road Motorcycle Touring is restricted to 31 consecutive days per trip, with the option to increase to 62 days at the Action Plus supplement. This applies to Annual Multi-Trip and Short Stay Single Trip versions of these policies. The Long Stay Single Trip version of the policy is restricted to 31 consecutive days, with no option to increase this limit.

Cover for Off Road Motorcycling (as part of a personally guided organized motorcycling tour) is restricted to 7 consecutive days with the Action Plus supplement, at extra cost. Again, this only applies to Annual Multi Trip or Short Stay Single Trip policies and is not available on the Long Stay Single Trip version (see definition of on road/off road above).

If you buy one of these Single Trip policies online, it is important that you start the cover on the date that you leave UK (or your home country) and end it on the date that you get home. If you just buy the policy for the few days in the middle of a trip when you are booked on a motorcycling tour, the policy will be completely INVALID. These are not top-up policies, they must cover the whole trip.

High Risk Voyager. (Quote or buy online or by phone – 0161 973 6435)

On Road Motorcycling is only covered for a maximum of 14 consecutive days per trip. This policy is primarily for people working overseas and is not really intended for touring holidays.

Travel Plus. (Quote or buy by phone only – 0161 973 6435)

On Road Motorcycling is covered for a maximum of 94 consecutive days. This insurer does NOT use the above definition of “on-road”. They do not require roads to be tarmac, but they must be official public highways, passable to most traffic types.

Adventures. (Quote or buy by phone only – 0161 973 6435)

On Road Motorcycling is covered for 6 months maximum. This insurer does NOT use the above definition of “on-road”. They do not require roads to be tarmac, but they must be official public highways, passable to most traffic types.

FREQUENTLY ASKED QUESTIONS

Are there any cc restrictions on Navigator policies?

There are no cc restrictions on any of our policies, as long as you hold a full licence to ride a similar sized bike in the UK (or EU on some policies).

Am I covered for Third Party/Personal Liability?

Travel insurance excludes liability cover if the claim arises from using any motorized vehicle. This must be covered on the vehicle/motorcycle insurance.

Do Navigator policies cover me on a rented motorcycle?

Yes, Navigator policies will cover you on owned, rented or borrowed bikes, as long as you have an appropriate full licence and are street legal.

Can I ride off-road on Navigator policies?

Our policies cover on-road at standard prices, though roads do not have to be tarmac. If they are official highways, marked as such on a map, or are byways legally open to motorized vehicles and marked as such on a map, this would be classed as on road. Proper Off-Road riding on a guided off-road motorcycling tour can be covered on our Navigator Silver, Gold and Diamond policies for a maximum of 7 days, by selecting the “Action Plus” option on the second page of the online application. This doubles the cost.

Am I covered as a pillion passenger on a motorcycle?

Our policies will cover you as a pillion, as long as the rider holds a full licence for the bike.

If you have any queries or need assistance with quotes or booking, please do not hesitate to call us on 0161 973 6435 or email sales@navigatortravel.co.uk

All our other travel insurance policies can also incorporate motorcycle travel insurance, as detailed above.

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Holiday Makers


Families, couples or individuals


Families, couples or individuals on holiday or business trips for shorter durations.

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Travellers


gap years, Backpackers and Career break


Usually couples or individuals requiring cover for longer term overseas trips of 2 months or more.

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Sports & Adventures


skiing, snowboarding, climbing and more


We offer four policies for people travelling overseas, requiring cover for specific sports and activities.