Motorcycle Travel Insurance: Why You Need It for Your Next Adventure

Motorcycle travel can be an exhilarating experience, but it also comes with its own set of risks. From unexpected accidents to lost luggage, there are many things that could go wrong on a motorcycle trip. That's where motorcycle travel insurance comes in.

Motorcycle travel insurance is designed to protect you and your bike while you're on the road. It can cover a wide range of situations, including medical expenses, trip cancellations, lost or stolen gear, and more. With the right coverage, you can travel with peace of mind, knowing that you're protected in case anything goes wrong.

However, not all motorcycle travel insurance policies are created equal. It's important to carefully review the coverage options and exclusions to ensure that you're getting the protection you need. 

Why You Need Motorcycle Travel Insurance

Coverage Benefits

Traveling on a motorcycle can be an exciting and adventurous way to explore new places. However, it also comes with its own set of risks. Motorcycle travel insurance can provide coverage for a variety of benefits, including:

• Emergency medical expenses
• Cancellation or interruption of your trip
• Lost or stolen luggage and personal belongings
• Emergency evacuation and repatriation
• Accidental death and dismemberment

Having these benefits can give you peace of mind while traveling, knowing that you are protected in case of unexpected events.

Common Risks

Motorcycle travel can be riskier than other forms of travel. Some common risks that motorcycle travelers face include:

• Accidents and injuries
• Illness or medical emergencies
• Theft or loss of personal belongings
• Weather-related incidents
• Unforeseen trip cancellations or interruptions

Having motorcycle travel insurance can help mitigate these risks and provide protection in the event that something goes wrong during your trip.

Cost Comparison

The cost of motorcycle travel insurance can vary depending on a variety of factors, such as your age, destination, length of trip, and coverage options. However, it is important to compare the cost of insurance to the potential cost of not having it. For example, if you were to get injured or have to cancel your trip, the cost of medical expenses or lost deposits could far exceed the cost of insurance.

Comparing different insurance policies and providers can help you find the best coverage at a reasonable price. It is also important to read the fine print and understand exactly what is covered and what is not.

Types of Motorcycle Travel Insurance

Single Trip Insurance

Single trip insurance is a great option for those who are planning on taking a one-time trip on their motorcycle. This type of insurance provides coverage for a specific trip, typically ranging from a few days to a few weeks. If you are planning a longer trip, you may want to consider annual insurance instead. Single trip insurance typically includes coverage for medical expenses, trip cancellation, and emergency assistance while on your trip.

Annual Insurance

Annual insurance is a good choice for those who plan to take multiple trips throughout the year. With annual insurance, you can take as many trips as you like within a 12-month period, with each trip typically lasting up to 90 days. This type of insurance provides coverage for medical expenses, trip cancellation, and emergency assistance, just like single trip insurance. It may also include coverage for personal belongings and rental vehicle excess.

Group Insurance

If you are planning a group motorcycle trip, you may want to consider group insurance. This type of insurance provides coverage for a group of people traveling together, typically up to 10 people. Group insurance can be customized to fit the specific needs of your group, and may include coverage for medical expenses, trip cancellation, and emergency assistance. It may also include coverage for personal belongings and rental vehicle excess.

How to Choose the Right Motorcycle Travel Insurance

Coverage Limitations

When choosing motorcycle travel insurance, it's important to consider the coverage limitations. Make sure the policy covers the countries you plan to visit and the activities you plan to do, such as off-road riding or racing. Additionally, check the policy's medical coverage, including emergency medical evacuation and repatriation. Look for a policy that covers the full cost of medical treatment, including hospitalization, doctor visits, and medication.

Exclusions

Exclusions are situations or circumstances that the policy does not cover. It's important to carefully read the policy's exclusions section to understand what is not covered. Common exclusions for motorcycle travel insurance include pre-existing medical conditions, reckless behavior, and participating in illegal activities. Additionally, some policies may exclude coverage for certain types of motorcycles or riding in certain areas.

Policy Inclusions

Policy inclusions are the benefits and features that are included in the policy. Look for a policy that includes coverage for trip cancellation or interruption, lost or stolen luggage, and trip delay. Additionally, consider policies that offer roadside assistance, rental vehicle coverage, and personal liability coverage. Make sure to read the policy's terms and conditions carefully to fully understand what is included. When choosing the right motorcycle travel insurance, it's important to consider your individual needs and circumstances. Carefully review the policy's coverage limitations, exclusions, and inclusions to ensure that you have the right coverage for your trip.

How to Buy Motorcycle Travel Insurance

Online Purchase

One of the most convenient ways to buy motorcycle travel insurance is online. Many insurance providers offer online purchase options, which allow you to compare different policies and prices and select the one that suits your needs the best. We like to use InsureMyTrip, they provide a really convenient way to comparison shop. Enter your information once and compare several companies. 

To buy motorcycle travel insurance online, follow these simple steps:

• Visit the website of a reputable insurance provider - we like InsureMyTrip for the ease of comparing coverage
• Select the type of travel insurance you need (in this case, motorcycle travel insurance)
• Enter your travel dates and destination
• Choose the level of coverage you require
• Provide personal and travel details, such as your age, medical history, and trip itinerary
• Review the policy terms and conditions, and make sure you understand what is covered and what is not
• Make the payment using a secure online payment method, such as a credit card or PayPal
• Receive your policy documents via email or download them from the insurer's website

Through a Travel Agent

If you prefer to buy motorcycle travel insurance through a travel agent, you can do so by contacting a travel agency that specializes in adventure travel or motorcycle tours. These agents can help you find the right policy for your needs, and provide you with valuable advice on travel safety and health. To buy motorcycle travel insurance through a travel agent, follow these steps:

• Research travel agencies that specialize in motorcycle tours or adventure travel
• Contact the agency by phone or email, and explain your travel plans and insurance needs
• Ask the agent to provide you with different policy options and prices
• Compare the policies and select the one that provides the best coverage for your trip
• Provide the agent with your personal and travel details, and make the payment
• Receive your policy documents from the agent, either via email or in person

Through an Insurance Broker

If you want to buy motorcycle travel insurance through an insurance broker, you can do so by contacting a licensed insurance broker in your area. These brokers can help you find the right policy for your needs, and provide you with expert advice on insurance options and requirements. To buy motorcycle travel insurance through an insurance broker, follow these steps:

• Research licensed insurance brokers in your area
• Contact the broker by phone or email, and explain your travel plans and insurance needs
• Ask the broker to provide you with different policy options and prices
• Compare the policies and select the one that provides the best coverage for your trip
• Provide the broker with your personal and travel details, and make the payment
• Receive your policy documents from the broker, either via email or in person

Don't Overlook Travel Insurance - It's better to have it and not need it!

You should not overlook travel insurance for your upcoming trip. We have partnered with InsureMyTrip, because they are the best option to compare plans and find the right coverage for you. They have thousands of travel insurance plans and a one-of-a-kind recommendation engine to help travelers find the right plan. Most importantly, they will be there for you before, during, and after your trip if you should need anything - especially help with a claim with the provider.

Get a Quote from InsureMyTrip

Get access to several providers to get a quote based on your specifics, compare providers, and purchase simply and efficiently.