Can anybody recommend a travel insurance company? Need to get something sorted for a couple of trips sur le continent in the new year. Thanks.
Post Office.
there are a couple of sticky threads at the top of this section with loads of recommendations
https://www.ukgser.com/forums/forumdisplay.php/17-Travel - my favourite is Get Going
Post Office.
Surely you would have broken your leg tripping up walking towards the bike, then n no way involving the bike
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Surely you would have broken your leg tripping up walking towards the bike, then n no way involving the bike
Yes, if you are on a holiday for which travel by motorbike is a significant part. Policy docs have such wording.
The important thing is to read the policy.
The following Sports and Activities will also be covered but no cover will apply in respect of any Personal Accident or Personal Liability claims:
• Archery
• Camel Riding
• Clay Pigeon Shooting (organised events)
• Cycling (wearing a helmet and no racing)
• Elephant Riding/Trekking
• Fencing
• Fives
• Go Karting (up to 120cc, wearing a helmet)
• Handball
• Jet Boating/Power Boating
• Jet Skiing
• Jousting
• Paint Balling/War Games (wearing eye protection)
• Racket Ball
• Riding Motorcycles (up to 125cc only) for which You have a valid, full UK motorcycle licence, wear
a helmet and on recognised roads only. There is
No Cover for Quad biking, racing, motor rallies, competitions, time trials, endurance events or any sort of riding off road.
7. Any claim for an incident which happens during a trip that results from:
(a) you riding or being carried as a passenger on a scooter, moped or motorcycle:
(i) 125cc or under, unless you wear a crash helmet and, as a rider, you are fully licensed to use such a vehicle in the UK;
(ii) over 125cc, unless this is your mode of transport from the UK and you wear a crash helmet and appropriate protective clothing. As a rider you must be fully licensed and insured to use this vehicle in the UK. There is no cover for trips taken outside of Europe.
Am too no longer with the post office for the over 1600cc reason. It does seem a very strange clause, one would have thought defined by those who have no particular knowledge of bikes. Can't you go and sort them out Wapping..
Here is the General Exclusion (motorcycling) relating to the ‘free’ global travel insurance I have through my HSBC bank account:
I am therefore OK for bikes under 125 cc, as I meet the criteria and providing I follow the policy’s Conditions as set out
I am OK for bikes over 125 cc, as I meet the criteria, providing I meet the policy’s Conditions as set out
I am OK in Europe..... but not outside of Europe, if the bike is over 125 cc. This is a significant territorial restriction on what is otherwise a global policy
Notice how the ‘appropriate protective clothing’ Condition changes. It’s less restrictive up to 125 cc. Notice too the Condition relating to ‘mode of transport from the UK’, when it comes to bikes above 125 cc. There is no such ‘mode of transport’ Condition relating to bikes under 125 cc.
Other HSBC bank branded policies may differ, of course. It shows the value in reading the policy.