Travel Insurance For Motorbike Holidays

Scooter, motorbike, moped, vespa – the choices are endless when choosing a two-wheeled ride for your overseas holiday.

Riding any sized motorcycle can be a thrilling way to travel. These chariots of the people offer the ultimate feeling of freedom, independence and affordability.  The compact nature makes parking a breeze, allows flexibility in how long you stay and you can zoom off with very little fuss. You're not tied to a schedule of rushing from A to B, squeezing onto uncomfortable public transport or stressing about the holes in your pocket from paying for expensive cabs. You can make your own path and go at your own pace...with the added bonus of looking pretty cool.. 

But Will My Travel Insurance Cover Me While Riding A Motorbike Overseas?

In short, it depends upon your licence and the engine capacity of your ride.  

Lucky for you, it's a road well travelled and one that we know well. We've done the miles to ensure that you're in the know when  it comes to cover while exploring the world on two wheels. Whether you're planning to leisurely hire a scooter for a day here and there, or you're planning to sadle up on a fully kitted BMW GS for a ride on the wild side, there’s cover out there for you.

• Some insurers do not require you to have a motorcycle license if riding a low capacity engine and will cover you for a bike 50cc - 125cc.
   
• Others have maximum engine size limits which you’re only insured to ride - irrespective of what your license says (keep reading to find out who-covers-what when it comes to muscle power)
   
• And some cover you for whatever engine size you ride as long as you're licenced to do so in New Zealand.

Insurer	Underwriter	Maximum Engine Size	Buy Now
1Cover BUY	Certain Underwriters of Lloyds	No Limit For riding a moped/scooter under 50cc, you must hold a current NZ drivers license and a license valid for the country you are riding in. For motorcycles greater than 50cc, you must hold a current New Zealand motorcycle license valid for the same class of motorcycle and a license valid for the country you are riding in. You must be wearing a helmet	Go To Insurer
AA Travel	Allianz Australia Insurance Limited	200cc No cover unless you have a valid driver’s licence as required in the country you are in and you are wearing a helmet.
Amex BUY	Chubb Insurance New Zealand Ltd	200cc Must hold a current New Zealand motorcycle licence.	Go To Insurer
Cigna	Cigna Like Insurance New Zealand Ltd	200cc You are covered for riding or pillion on a scooter, moped or motorcycle with an engine capacity of less than 200cc if you are wearing a helmet and hold a valid motor vehicle licence in New Zealand.
Columbus Direct BUY	Certain Underwriters of Lloyds	No limit (with Sports & Adventure Pack A) The driver must have a valid license for operating that class of vehicle in the driver’s country of residence, and you must be wearing a safety crash helmet.	Go To Insurer
Cover-more	Zurich Australian Insurance Limited	200cc Whilst in control of a motorcycle or moped you must hold a valid New Zealand motorcycle licence or New Zealand motor vehicle driver licence; This must be valid in country you are in, you must wear a helmet and you cannot be participating in a professional capacity or racing.
DUinsure BUY	Certain Underwriters of Lloyds	No limit For riding a moped/scooter under 50cc, you must hold a current NZ drivers license and a license valid for the country you are riding in. For motorcycles greater than 50cc, you must hold a current New Zealand motorcycle license valid for the same class of motorcycle and a license valid for the country you are riding in. You must be wearing a helmet.	Go To Insurer
NZ Travel Insurance BUY	Allianz Australia Insurance Limited	200cc You must hold a valid driver’s licence as required in the country you are in, and you must wear a helmet.	Go To Insurer
QBE	QBE Insurance Australia	No limit You must have a license valid in the relevant country and be wearing a helmet.
STA Travel	Allianz Australia Insurance Limited	No limit For riding a motorcycle with an engine displacement greater than 50cc, you must hold a valid motorcycle license in the country you are riding in. For riding mopeds/scooters with an engine displacement of up to 50cc, you must hold a valid motorcycle or drivers license valid in the country you are riding in. You must be wearing a helmet.
Southern Cross Travel Insurance	Southern Cross Benefits Limited Trading	200cc Must select moped and motorbike cover. You must have a valid driver’s license as required in the country you are in and must be wearing a helmet.
State Travel Insurance	Zurich Australian Insurance Limited	200cc Whilst in control of a motorcycle or moped you must hold a valid New Zealand motorcycle licence or New Zealand motor vehicle driver licence; This must be valid in country you are in, you must wear a helmet and you cannot be participating in a professional capacity or racing.
TINZ BUY	Certain Underwriters of Lloyds	No Limit For riding a moped/scooter under 50cc, you must hold a current NZ drivers license and a license valid for the country you are riding in. For motorcycles greater than 50cc, you must hold a current New Zealand motorcycle license valid for the same class of motorcycle and a license valid for the country you are riding in. (does not mention helmet in PDS)	Go To Insurer
Travel Insurance Direct	Certain Underwriters of Lloyds	No Limit You must have a valid licence for the relevant country.
Webjet BUY	Allianz Australia Insurance Limited	No limit (with Adventure Pack) For riding a motorcycle, you must have a current NZ motorcycle license or motorcycle license valid for the country you are riding in. For riding a moped/scooter, you must have a current NZ drivers license or drivers license valid for the country you are riding in. You must be wearing a helmet.	Go To Insurer
World Nomads	Certain Underwriters of Lloyds	No Limit (with sports adventure pack) For riding a motorcycle, you must have a current NZ motorcycle license or motorcycle license valid for the country you are riding in. For riding a moped/scooter, you must have a current NZ drivers license or drivers license valid for the country you are riding in. You must be wearing a helmet.
Worldcare	Allianz Australia Insurance Limited	200cc You must be wearing a helmet and hold a valid driver’s licence as required in the country you are in.
Zoom Travel Insurance BUY	Certain Underwriters of Lloyds	No Limit For engines under 50 cc you are covered with a valid drivers license. There is no restriction on engine displacement if you hold a current NZ motorcycle licence or motorcycle licence valid for the country you are riding in.	Go To Insurer

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances. 

Licensed To Thrill

If you're travelling to a foreign country make sure you get your International Drivers Permit (IDP) - preferably before you leave! This allows you to drive or ride the same class of vehicle you are permitted to ride in your home country. So, if you are NOT covered to ride a motorcycle or scooter in New Zealand, you are not permitted overseas. It's strange how we tend to throw caution to the wind when on holiday. With absolutely no training or experience riding a motorbike or scooter at home, many of us seem to think we'll master the skills on the spot in a foreign country.

You can apply for an IDP overseas, but make sure you're ticking the right boxes. You may be able to fool the traffic cop in Thailand that you have a motorcycle licence, by 'ticking the box' when you got your IDP, but it won't cut the mustard with your travel insurance company. If you DO have a valid motorcycle license, be thrilled! Your licence will be accepted in over 150 countries including Bali, Indonesia, Laos, and Thailand.

Venturing To Vietnam?

If you will be riding a motorcycle in Vietnam over 50cc, then you must obtain a temporary Vietnamese drivers license.

To convert an  driving license into a temporary Vietnamese driver's license, you must hold a valid Vietnamese residence permit of at least three month's validity. Visit the website of the New Zealand Embassy for full details on how to apply for a Vietnamese drivers license. 

What's Not Covered?

Even with cover offered, exclusions still apply. You are not covered:

• If you are racing and intentionally putting yourself at risk
  Any time you intentionally put yourself in danger such as using your bike for jumps, stunts and tricks and injure yourself (especially if you are not wearing a helmet at the time) you are unlikely to be covered.
   
• For motorbike theft or damage
  Whether owned, borrowed or rented, most insurers do not cover the bike.  If it's your own bike, it should be covered under your own motorcycle insurance.  If it's a hire bike, the rental company is likely to have insurance built in to your daily hire cost or charge you an additional premium to cover it. 
   
• For competitive or professional riding
  Competitive riding of any sorts is generally not a covered event under standard travel insurance policies.
   
• For bike hire excess cover
  Are you renting a Vespa in Italy,  motorbike on holiday? Maybe in Bali? Although travel insurance often covers rental vehicle excess, this generally does not extend to two wheeled modes of transport. If you hire an expensive bike and it gets damaged, unfortunately your travel insurance will not cover the excess.
   
• If you do not follow the rules of road
  Always follow road signs including traffic lights, stop signs and give ways.
   
• If you are under the influence
  You would not be covered if you were drink driving and had an accident while you were under the influence of alcohol or drugs.
   
• If you do not wear a helmet
  Cut and bruises are not ideal travelling companions, make sure you wear a helmet at all times when riding overseas. No travel insurance company is obliged to cover you if you incurred injuries when you were not wearing one.

What's Next?

Finally, contact your travel insurance provider before you purchase travel insurance for your motorbike holiday to double check the policy details. It often pays to make to take a few minutes to make that short phone call to clarify. When riding motorbikes or scooters overseas you are taking risks with both your health and your money. So do your research and compare travel insurance quotes and cover levels. Don't just settle for first or the cheapest policy you find.

Perhaps all that muscle power is too much for you. Taking out cycling travel insurance for your push bike shouldn't give you whiplash either. Ride easy with our cycling travel insurance essential guide.