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.













































