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Travel insurance tips for motorbike holidays from our expert

Medical treatment isn't cheap

Riding a motorcycle abroad comes with its own set of dangers. If you’re travelling to a country without a Reciprocal Health Care Agreement (RHCA), the cost of medical treatment is your responsibility — the same applies to a medical evacuation. Travel insurance is extremely important in the event of an accident or illness. 

Motorcycle cover is not always included

Typically, motorcycle cover is available as an add-on to standard travel insurance policies. If you're unsure about what is and isn’t covered, check each policy’s documentation, or reach out to each insurer to clarify. 

Ride safely

It’s important to respect the rules of the road as you ride across the country. If you get into an accident while behaving recklessly, under the influence of drugs or alcohol, or failing to wear a helmet, you will likely be disqualified from any cover from your travel insurer. 

Guide to travel insurance for motorbike holidays

When will travel insurance cover me while riding a motorbike overseas?

If you’re considering motorcycle travel insurance, there are rules around the type of licence you need and the engine capacity of the motorcycle, moped or scooter you’re riding.

Cover usually depends on you meeting your policy's conditions, such as holding the appropriate licence (where required), wearing a helmet and complying with local road laws.

For example, you may only be covered as part of a travel insurance policy if:

  • You’re riding a motorcycle, moped or scooter and hold a current Australian motorcycle or motor vehicle driver’s licence
  • You’re travelling as a passenger on a motorcycle, moped or scooter and the driver has a valid licence for the vehicle
  • You meet engine capacity requirements (e.g. sizes up to 50cc, 200cc, 250cc or unlimited)
  • You’re wearing a helmet, you are not participating in a professional capacity, and you are not participating in motocross or racing.

The terms and conditions will depend on the policy you select. Make sure you read the relevant Product Disclosure Statement and Target Market Determination so you understand what applies.


Am I covered medically if I ride a motorcycle while overseas?

Several travel insurance policies provide cover for medical costs if you are in an accident while riding a motorcycle, moped or scooter overseas. Policies can also cover you for accidents and injuries that occur while you are a passenger.

While motorcycle travel insurance isn't a separate type of policy, cover may be offered as a standard inclusion or as an optional extra on travel insurance policies. 


What is the best travel insurance with motorbike cover?

The best travel insurance with motorbike cover will depend on your trip, riding plans and the level of protection you’re looking for. When comparing policies, consider whether motorcycle riding is included, what conditions apply, and whether the policy actually provides the cover you need (e.g. whether the policy provides medical expenses and cover for injuries if you are a passenger or a rider).


Will my travel insurance cover damage to my motorcycle overseas?

Many travel insurance policies do not cover damage to motorcycles. If you have a rental motorcycle, you will generally have insurance through the rental provider.

Depending on the policy, you may be covered for your rental vehicle excess, which is the amount you pay to the rental provider if the motorcycle gets damaged. But check your policy, as conditions may apply.


What to check before buying motorcycle travel insurance

Not all travel insurance policies cover motorcycle riding in the same way. Before you take out a policy, check exactly what's included so you know what you’re covered for before hitting the road. When comparing policies, consider:

  • Whether motorcycle cover is included: Some travel insurance policies automatically include cover for riding a motorcycle, moped or scooter, while others require you to add it as an optional extra.
  • Engine capacity limits: Some policies may only cover motorcycles, mopeds or scooters up to a certain engine size, so check that yours falls within the outlined covered limit.
  • Licence requirements: Many insurers require you to hold a valid licence to ride the motorcycle or scooter you're using, and you may also need to comply with local licensing laws at your destination.
  • Passenger cover: If you plan to ride as a passenger, check whether you're covered, as eligibility and conditions can vary between policies.
  • Rental vehicle excess benefits: If you're hiring a motorcycle overseas, some policies may help cover your rental excess if the bike is damaged or stolen.
  • Racing and off-road exclusions: Travel insurance generally won't cover professional riding, racing, motocross or certain off-road activities.

Do you need motorcycle travel insurance?

Taking out a specific policy for motorcycle travel insurance isn’t a legal requirement, but it can offer valuable peace of mind. Even if you're an experienced rider, accidents can happen. Depending on your policy, travel insurance may help cover overseas medical expenses, trip cancellation costs and other unexpected expenses if your holiday doesn't go to plan.

FAQs about travel insurance for motorbike holidays

A travel insurance provider may offer motorcycle cover as an optional extra if you only have an Australian motor vehicle driver's licence. You are typically only covered for motorised vehicles with a low engine capacity,  usually up to 50cc. You can also be covered as a passenger if the driver of the motorcycle has a valid licence.

Licensed Australian motorcyclists may also consider an International Driving Permit (IDP), which proves you hold your current domestic licence.

Many travel insurance policies do not offer personal liability cover when you are riding a motorcycle, moped or scooter. That means you may need to pay the associated costs if you injure someone or damage their property. Make sure you check your policy documentation carefully.

Some domestic travel insurance policies provide motorcycle cover. This may be a standard inclusion or an optional inclusion.

About our travel insurance experts

Tara Donnelly is Canstar's Utilities and Finance Managing Editor, leading the team’s energy, telecommunications and consumer technology coverage, as well as editing personal finance and insurance content. For more than a decade she has authored hundreds of articles covering these topics across Australia, the US and Canada, including eight years as part of the Canstar Group. 

Prior to writing within the comparison industry, Tara worked hands-on in retail banking for more than six years, helping Australians to manage and understand their finances. Her years of experience have given her key insights into helping consumers find the right plan or product for their unique needs. 

Tara has shared her expertise with national media including 9 News, 7 News, Sunrise, the ABC, The Australian Financial Review, 4BC Radio and The Sydney Morning Herald. She has been nominated for multiple awards for her technology reporting, including Canstar’s highly commended recognition for Best Consumer Technology Coverage in 2024.


Brooke Cooper is Canstar’s Finance Editor, leading the team’s coverage of home loans, consumer finance, and economics. With years of specialist experience, she dedicates herself to helping Australian households feel empowered about managing their money. Her work and expertise have appeared across a variety of comparison industry sites and media outlets including Yahoo Finance, ABC Radio, and The Motley Fool. Brooke holds a Bachelor of Communication, specialising in journalism and international studies, from Charles Sturt University. When she’s not keeping a close eye on the RBA cash rate or property trends, she loves getting out into nature, picnicking in the park with her dog, and window shopping in antique stores. You can follow Brooke on LinkedIn.

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For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

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