Exploring on two-wheels? Whether you’re touring on your own motorbike or hiring one abroad, our motorcycling travel insurance can cover your trip.
What is motorcycle travel insurance and do you need it?
Motorcycling is a great way to see more of your holiday destination. But the right travel insurance is as essential as wearing your helmet. No matter how experienced you are, accidents can happen.
Skidding on your scooter in Rome. Colliding with a camel in Dubai. The open road can have its mishaps. And that’s where motorcycling travel insurance comes in.
The best motorcycling holiday insurance covers:
- Emergency medical costs: Motorcycling comes with a high risk of injury. Accidents can happen, even when you’re close to home. Italy sees an average of 454 road accidents per day. France has the highest number of moped fatalities in the EU. Standard travel insurance does not cover you for riding a bike with an engine over 125cc. Adding travel insurance for motorcycle trips(with our hazardous activity cover), can cover you when you’re riding something more powerful.
- Repatriation cover: Bikers form part of the group known as “vulnerable road users”. Their rate of serious accidents can be 40 times higher than car occupants. If you need to fly home in an emergency, travel insurance with motorcycle cover can help. It’s important, even if you’re just hopping over the border. Typical medical repatriation costs from France are £12,000. And they’re not covered by the GHIC or EHIC schemes.
- Protect your belongings: Lost your leathers? At InsureandGo, we want you to enjoy your holiday, not worry about unexpected expenses. We can cover your belongings for loss, theft or damage. Want to bring a valuable helmet? Take a look at our additional valuables cover.
- Covers pre-existing conditions: We’ll consider all medical conditions. That includes diabetes, heart conditions, and cancer. And with no upper age limit, everyone can take to the open road with InsureandGo.
- Help when you need it: Our 24-hour emergency assistance team is available to call, day or night.
Make sure the policy you’ve chosen covers you for the duration of your trip. It also needs to cover all the motorbiking activities you have planned. Our policy wording provides full terms and conditions of what is and isn’t included.
You’ll also need to tell us about your pre-existing medical conditions. We can’t cover any costs related to medical issues that aren’t declared. If your medical history isn’t accurate, you may have to pay for unexpected medical costs.
What types of motorcycling are covered?
Our travel insurance policies cover bikes up to and including 125cc. Not fast enough for you? No problem! Bigger bikes can be covered by our adventure and extreme sports cover.
Even if you’re planning to spend your entire trip motorcycling, you’ll be covered by our policies.
You must hold an equivalent UK licence. We don’t cover motorcycle racing or off-road riding of any kind. For those kinds of activities, you need additional cover from a specialist insurer.
What else does InsureandGo’s motorcycle travel insurance cover?
Planning on riding a motorbike with an engine size bigger than 125cc? You’ll need additional motorcycle travel insurance to cover your trip. It’s also called hazardous activity travel insurance. You can add it to any of our travel insurance policies.
What’s covered?
Your travel insurance policy with motorcycling cover includes:
- Emergency medical expenses
- Cover for cancellation of your trip
- Over 100 sports and activities covered (see your policy wording for a full list of activities)
- Personal belongings and baggage cover
- Personal money, passports and travel documents cover
- Accommodation cover
- Legal expenses cover
- Delayed departure cover
- Our 24-hour emergency assistance team, available to call, day or night
We will consider all pre-existing medical conditions, find out more about medical travel insurance.
The excess and amount of cover available varies. It depends on the level of travel insurance for motorcycling you buy. Make sure you check the policy wording to see the full terms and conditions.
Motorbike use
You are covered for riding your own motorcycle or riding a rented motorcycle over 125cc. You must hold an equivalent UK licence and obey local road laws.
Trip length and purpose
Motorcycling counts as an activity holiday at InsureandGo. Unlike other hazardous activities, you’re covered even if you plan to spend your entire trip motorcycling.
What’s not covered?
Each provider will have different things it can or cannot include in a policy. However, there are some situations no travel insurance will cover. For example:
- You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside the insured’s control
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
- All of our travel insurance policies include cover for cancellation of your trip. But there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
To check the policy exclusions and what is and isn’t included, take a look at our policy wording.
Motorbike use
We cannot cover motorcycle racing or off-road riding of any kind. You won’t be covered if you fail to wear the appropriate safety gear.
Trip length and purpose
We cover motorcycling for up to a maximum of 15 days.
The best motorcycle travel insurance for your trip
Touring the States on a Harley. Zipping through Rome on a scooter. Our flexible policies will match your travel plans. Not sure what you need? Here are a few suggestions:
- American road trip? Recreating Easy Rider’s route takes you through the Mojave Desert. Just add motorcycle touring travel insurance to our USA policies.
- Motorcycling in the Alps? Its mountain passes are the stuff of legend. Add motorcycle travel insurance to our Europe policies. Just watch out for hairpin bends!
- Want to live like a local? You can nip around Naples on a hired Vespa on any of our standard travel insurance policies. Single trip travel insurance lets you travel for up to 365 days.
- Feeling adventurous? Hop off your bike and go hiking or golfing. And with motorcycle trip travel insurance, you’ll be covered for more extreme sports.
- Taking expensive gear? Your leathers and helmet may be costly to replace. Adding valuables cover to your motorcycle travel insurance covers them for loss.
Choose a cover level to suit your travel needs
| Black | Gold | Silver | |
| Medical expenses and repatriation | Unlimited | £15 million | £10 Million |
| Cancellation and curtailment | £10,000 | £7,500 | £5,000 |
| Travel delay | Up to £650 | Up to £540 | Up to £450 |
| Personal belongings | £5,000 | £2,500 | £2,000 |
| Legal Expenses | £60,000 | £50,000 | £15,000 |
| Standard Excess | Nil | £50 | £60 |
Motorcycle insurance for travellers with pre-existing medical conditions
A pre-existing condition shouldn’t put the brakes on your motorbike holiday. Declare your conditions when getting your quote. That way you’ll be covered for any related medical emergencies when you’re away.
At InsureandGo, we’ll consider all medical conditions, including:
Before you get your travel insurance for motorcycling, you’ll need to answer a few questions about your health. Our online medical screening process is so easy, you can get a quote in no time. If you’d rather talk to someone instead, please get in touch with us.
To learn more, read our page about travel insurance for medical conditions. Or, take a look at our policy wording documents.
How to book our motorcycle travel insurance
Open road calling you? It’s quick and easy to get travel insurance with motorcycle cover.
1. Let us know a little info
Tell us about your holiday. Let us know what motorbike you’ll be riding, who you want to cover, and when you want the policy to start. We will also ask you about any pre-existing medical conditions.
You can do this online now or by calling our team:
2. Get your quote
You can either buy your insurance there and then, or save the quote for a future date.
“Motorcycle holidays can be the adventure of a lifetime. Riders cover more ground, and have the freedom to explore wherever the mood takes them. But whether you’re bringing your own bike or renting abroad, you’ll need to make sure you’re fully insured. Normal vehicle insurance will cover your motorbike for damage. But motorcycle holiday insurance does more. It offers crucial protection against unexpected accidents and medical emergencies. And, of course, it can also cover you for cancellations and lost and stolen belongings.”
Letitia Smith MiSc, Travel insurance expert
Our reviews speak for themselves
Member of staff was helpful
Member of staff was helpful, polite without being like a robot. Good price and good cover which gives me peace of mind for my husband and son’s upcoming motorbike adventure.
– Mrs Campbell
– Date of experience: 09 August 2024
Looking for motorcycle insurance for your next trip? There’s a reason over 60,000 Trustpilot reviews rated InsureandGo ‘Excellent’ or ‘Great’.
Frequently asked questions on motorcycle travel insurance
Does travel insurance cover motorcycle accidents?
The extent to which your travel insurance covers motorcycle accidents depends on a number of factors:
Engine size: All our travel insurance policies cover you to ride a motorcycle, moped, or scooter with an engine size of 125cc and under. Planning to ride something more powerful? You’ll need additional hazardous activity insurance to be fully covered for motorcycle accidents. You can add it to any of our policies.
Your bike-related activities: We don’t provide cover for motorcycle racing or off-road riding, even with our hazardous activity insurance. If you have an accident while doing these kinds of activities, you won’t be covered.
Your bike use: You won’t be covered for motorcycle accidents if you ride under the influence of alcohol. Riding your bike to locations advised against by the FCDO can also invalidate your policy.
Your licence: You’ll only be covered for motorcycle accidents if you have the appropriate UK licence. It needs to match the engine size of the motorbike you’ll be using on holiday. The A1 licence lets you ride motorcycles up to 125cc. If you have an A licence you can ride a motorbike of any engine size.
Your bike helmet: You’ll only be covered for motorcycle accidents if you’re wearing a helmet. You need to wear one, even if it’s not compulsory in the country you’re riding in.
Your trip duration: Adding motorcycle travel insurance covers you to ride for up to a maximum of 15 days. If you plan to tour for longer, you need additional cover from a specialist insurer.
How much is motorcycle travel insurance?
The exact cost of motorcycle travel insurance motorcycle cover varies from person to person. This is because it is based on a wide range of factors, including:
- The type of motorcycle you plan to ride: Our standard travel insurance policies cover you to ride a motorcycle, moped, or scooter with an engine size of up to and including 125cc. If you’re planning to ride something more powerful, you’ll need to take out additional hazardous activity insurance.
- Your age and overall health: Pre-existing medical conditions may not affect your love of the road. But they can impact how much your travel insurance costs.
- The level of policy cover you go for: At InsureandGo we offer four levels of cover. Choose from Budget, Silver, Gold and Black.
- Trip duration: The longer you’re away with your motorbike, the greater the odds of a claim.
- Chosen destination: Planning on road-tripping in the USA or Mexico? Worldwide policies that include the States usually cost more due to more expensive healthcare costs.
Find out how much motorcycling travel insurance will cost for you by calling our team on 0808 281 0594. Or get a quick and easy quote online now.
Are there any age restrictions on motorcycle travel insurance?
At InsureandGo, we want as many people as possible to do what they love on holiday. Our policies have no upper age limits, and that includes our motorcycle travel insurance.
Want to insure a motorbike loving teens? You can ride a moped from age 16 in the UK. However, our travel insurance is only available for under 18s if they are travelling with an adult. They have to be named on the same policy.
Will motorcycle travel insurance cover me for renting a bike abroad?
Yes. Our motorcycling holiday insurance will cover you for renting a motorbike abroad. It will also cover you if you plan to tour with your own set of wheels.
To rent a motorcycle overseas, you’ll need a valid UK motorcycle licence. Remember that the bike’s engine size must match your UK licence category. An A1 licence limits you to 125cc bikes, while an A licence lets you ride a motorbike with any engine size.
You’ll also need appropriate vehicle insurance for the motorbike itself. Check with the company you’re renting from. You need at least the legal minimum level of insurance for the country you’re in.
If you’re bringing your own bike, check your vehicle insurance policy. It needs to cover you to ride outside the UK. If it doesn’t, you should be able to purchase extra cover.
What is the best travel insurance for a motorcycle trip?
The best motorcycle travel insurance will provide cover for:
- Touring on your own motorbike
- Renting a motorcycle on holiday
- Spending your entire trip motorcycling
- Motorbikes of 125cc and under included in standard policies
- Option to add extra cover for more powerful motorcycles
- Option to add extra cover for panniers, leathers and helmets
- Medical costs while taking part in your chosen activity
- Costs to return you to the UK if medically necessary
- Lost, stolen or damaged personal items
- Cancellation or curtailment
- Travel delays
Who can buy an InsureandGo motorcycle travel insurance policy?
All our motorcycle travel insurance policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of purchase
- All trips must start and end in the UK
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our motorcycle travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.
Travel insurance reviews
If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.