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Travel Insurance for Motorcycle Holidays

Riding a motorcycle can be a fun and freeing way to see the world, but it comes with its own unique set of risks. Before setting off on your motorbike holiday, it’s important to consider the protection that travel insurance can offer should the unexpected happen on your trip.
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Joshua Sale
GM, Research
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Alasdair Duncan
Content Editor
Fact Checked

Why do I need Travel Insurance for a motorcycle holiday?

Compare policies from over 25 Travel Insurance providers

Tick Travel Insurance
Insure and Go Insurance
World2Cover travel insurance
Fastcover
Qantas Insurance

We do not compare all brands in the market, or all products from our participating brands. At times certain brands or products may not be available or offered to you. Learn more.

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Compare a selection of travel insurers in Australia, with real time quote and features.

The below table is showing results for a 18-69 year old person travelling to the USA. This table only shows products from our Online Partners who are able to return product prices. The Star Rating is based for the International profile. The International profile considers a range of travel destinations and consumer profiles. See the Travel Insurance Star Rating Methodology for more details.

Fast Cover logo
Fast Cover - Frequent Traveller Saver
gold stargold stargold stargold stargold star
UnlimitedUnlimited
Fast Cover logo
Fast Cover - Comprehensive
gold stargold stargold stargold stargold star
UnlimitedUnlimited
InsureandGo logo
InsureandGo - Gold
gold stargold stargold stargold stargold star
UnlimitedUnlimited
Freely logo
Freely - Overseas Explorer
gold stargold stargold stargold stargrey star
Unlimited$5,000
InsureandGo logo
InsureandGo - Silver
gold stargold stargold stargold stargrey star
Unlimited$15,000
InsureandGo logo
InsureandGo - AMT Gold 30 Days
gold stargold stargold stargold stargrey star
UnlimitedUnlimited
Tick Travel Insurance logo
Tick Travel Insurance - Standard
gold stargold stargold stargold stargrey star
Unlimited$5,000
Tick Travel Insurance logo
Tick Travel Insurance - Top
gold stargold stargold stargold stargrey star
Unlimited$20,000
Travel Protect logo
Travel Protect - Explorer
gold stargold stargold stargold stargrey star
Unlimited$40,000
Travel Protect logo
Travel Protect - Annual Multi Trip
gold stargold stargold stargold stargrey star
Unlimited$20,000

The table above is sorted by Star Rating (highest to lowest) then Provider Name (Alphabetical).

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Travel insurance for motorcycle holidays: how can it protect you?

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Medical, Accident & Evacuation Cover

If you hurt yourself (or someone else) in an accident, overseas medical care can be expensive, and the right travel insurance policy can cover you for both hospital bills and legal liability, although the policy may have strict rules and requirements. In the event of a medical emergency that requires you to be flown home for specialist treatment, expenses can be unexpectedly high, so it’s important to consider travel insurance that covers this.

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Trip Cancellation & Delay Cover

If something goes wrong and delays your trip, forcing you to cancel flights and hotel bookings, then you can be out a lot of money, and travel insurance can cover for these expenses. Likewise, if things don’t go to plan on your trip and a natural disaster, accident or family emergency forces you to extend your stay, travel insurance can help reimburse you for these and other expenses related to your delay.

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Luggage Loss or Damage Cover

Few things can ruin a trip faster than finding that your luggage has not joined you at your destination. If your bags are lost and you’re stranded without essentials, you may need to replace clothing, toiletries or even larger items. If this is a concern, you may decide to opt for a policy with a higher limit for loss or damage, so you’ll have the peace of mind to set off on your adventure knowing you’re covered.

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Travel insurance for motorbikes, mopeds and scooters on holidays

Key topics

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

There are a number of travel insurance policies that 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.

Motorcycle cover may be offered as a standard inclusion or as an optional extra on travel insurance – in the latter case, you will need to specifically add it on to your cover, and pay extra on top of the standard premium.

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

If you’re contemplating motorcycle travel insurance, there are usually rules around the type of licence you need to have and the engine capacity of the motorcycle, moped or scooter. For example, you may only be covered as part of a travel insurance policy if:

  • you are riding a motorcycle, moped or scooter and have a current Australian motorcycle licence or Australian motor vehicle driver licence;
  • you are travelling as a passenger on a motorcycle, moped or scooter and the person driving has a valid licence for the vehicle;
  • you meet engine capacity requirements (it may be the case, for example, that policies offer cover for vehicles with engine sizes up to 50cc, 200cc, 250cc and no maximum); and
  • you are 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.

What is the best travel insurance with motorbike cover?

The best travel insurance with motorbike cover is subjective relative to your needs and financial position, but generally speaking, if looking for the best cover, it can pay to find one that covers a comprehensive range of circumstances, and offers medical cover for you as well as cover for accidents and injuries to you 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 have to pay to the rental provider if the motorcycle gets damaged. But check your policy as some providers do not cover this or conditions may apply.

Travel Insurance for motorcycle holidays FAQ's

About our finance experts

Alasdair Duncan, Senior Finance Journalist

Alasdair Duncan | Canstar

Alasdair Duncan is a Senior Finance Journalist at Canstar, specialising in home loans, property and lifestyle topics. He has written more than 400 articles for Canstar and his work is widely referenced by other publishers and media outlets, including Yahoo Finance, The New Daily, The Motley Fool and Sky News. He has featured as a guest author for property website homely.com.au.

In his more than 15 years working in the media, Alasdair has written for a broad range of publications. Before joining Canstar, he was a News Editor at Pedestrian.TV, part of Australia’s leading youth media group. His work has also appeared on ABC News, Junkee, Rolling Stone, Kotaku, the Sydney Star Observer and The Brag. He has a Bachelor of Laws (Honours) and a Bachelor of Arts with a major in Journalism from the University of Queensland.

When he is not writing about finance for Canstar, Alasdair can probably be found at the beach with his two dogs or listening to podcasts about pop music.

You can follow Alasdair on LinkedIn and Twitter.

You can also read more about Canstar’s editorial team and our robust fact-checking process.


Josh Sale, Travel Insurance Ratings Manager

Headshot of Josh Sale, CanstarAs Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Travel Insurance Star Ratings. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right product for them.

Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine.

You can follow Josh on LinkedIn, and Canstar on Twitter and Facebook.

 


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