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What does the Motorcycle Pack cover?
Fast Cover’s Motorcycle Pack is an optional extra and may provide cover for travellers riding or being a passenger on a motorcycle, moped or scooter overseas under a range of applicable benefits.*
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Medical emergencies can happen while riding a motorcycle or being a passenger during your overseas trip. Fast Cover’s Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies, depending on your situation and location.*
Our Emergency Assistance team may be able to help arrange experienced medical support services in the event of unexpected circumstances that arise from you riding or being a passenger on a motorcycle, moped or scooter overseas.*
Injuries resulting from motorcycle, moped and scooter accidents can happen while travelling overseas, especially in popular scooter destinations like Bali, Thailand and Vietnam. Fast Cover’s international policies may be able to help with reasonable overseas emergency medical and hospital expenses arising from an unexpected injury sustained while riding or travelling as a passenger on a motorcycle, moped or scooter, provided those expenses have not been reimbursed from another source.*
Please note there is no cover for medical or ancillary expenses incurred in Australia even if they are the result of injuries sustained while overseas.
Access to emergency medical care could make a huge difference if you become seriously injured or sick while riding or travelling on a motorcycle, moped or scooter overseas.
Fast Cover may be able to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Cancelled trips aren’t just disappointing, they can be expensive too. If you need to unexpectedly cancel your trip, our Trip Cancellation Expenses benefit may help protect the non-refundable trip bookings you’ve already paid for including flights, accommodation and tours including motorcycle tours in circumstances explained in your policy.*
At Fast Cover, you can buy travel insurance for your holiday up to 12 months prior to your departure date, including before you've booked a motorcycle tour and any accommodation.* Please note cancellation cover is not available with our Basics policy.
Natural disasters and severe weather could throw your motorcycle trip off track. Fast Cover may be able to help if your scheduled or connecting transport is cancelled, delayed, shortened or diverted due to severe weather or a natural disaster that begun after we issued the Certificate of Insurance.
Under the Trip Disruption Expenses benefit, cover may be available for reasonable additional travel, accommodation and meal expenses incurred while you are still travelling, provided you cannot recover those costs from another source.*
While it’s not something we would want to think about, serious accidents can happen on motorcycles, mopeds and scooters overseas. Fast Cover’s Accidental Death benefit can provide a lump sum payment to your estate if you are injured while riding or being a passenger on a motorcycle, moped or scooter during your overseas trip and you pass away because of that injury within 12 months of the injury date.*
The Accidental Death benefit is available under our Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies. Please note, age and benefit limits apply per policy type, read the PDS for full terms and conditions. Please note Accidental Death cover is not available under the Standard Saver or Basics policies.
Travellers who add the Motorcycle Pack might book a motorcycle tour to explore their destination. Under our PDS a tour is a special event so if your scheduled transport is cancelled, delayed, shortened or diverted during your overseas trip and that means you would not arrive to your tour on time, Fast Cover may provide cover for the reasonable additional travel expenses to help you to get to your special event on time such as a guided group motorcycle tour, so you don’t miss the moments that matter.*
If your scheduled transport is cancelled, delayed, shortened or diverted, our travel insurance may be able to provide cover of up to $5,000 for you to book an alternative flight or other transport to help you make it to your special event on time.*
Special events include a pre-booked, pre-paid and pre-arranged:
Wedding
Funeral
Conference
Concert
Sporting event
Cruise
Tour package
What does the Motorcycle Pack cover?
Fast Cover’s Motorcycle Pack is an optional extra and may provide cover for travellers riding or being a passenger on a motorcycle, moped or scooter overseas under a range of applicable benefits.*
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Medical emergencies can happen while riding a motorcycle or being a passenger during your overseas trip. Fast Cover’s Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies, depending on your situation and location.*
Our Emergency Assistance team may be able to help arrange experienced medical support services in the event of unexpected circumstances that arise from you riding or being a passenger on a motorcycle, moped or scooter overseas.*
Injuries resulting from motorcycle, moped and scooter accidents can happen while travelling overseas, especially in popular scooter destinations like Bali, Thailand and Vietnam. Fast Cover’s international policies may be able to help with reasonable overseas emergency medical and hospital expenses arising from an unexpected injury sustained while riding or travelling as a passenger on a motorcycle, moped or scooter, provided those expenses have not been reimbursed from another source.*
Please note there is no cover for medical or ancillary expenses incurred in Australia even if they are the result of injuries sustained while overseas.
Access to emergency medical care could make a huge difference if you become seriously injured or sick while riding or travelling on a motorcycle, moped or scooter overseas.
Fast Cover may be able to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Cancelled trips aren’t just disappointing, they can be expensive too. If you need to unexpectedly cancel your trip, our Trip Cancellation Expenses benefit may help protect the non-refundable trip bookings you’ve already paid for including flights, accommodation and tours including motorcycle tours in circumstances explained in your policy.*
At Fast Cover, you can buy travel insurance for your holiday up to 12 months prior to your departure date, including before you've booked a motorcycle tour and any accommodation.* Please note cancellation cover is not available with our Basics policy.
Natural disasters and severe weather could throw your motorcycle trip off track. Fast Cover may be able to help if your scheduled or connecting transport is cancelled, delayed, shortened or diverted due to severe weather or a natural disaster that begun after we issued the Certificate of Insurance.
Under the Trip Disruption Expenses benefit, cover may be available for reasonable additional travel, accommodation and meal expenses incurred while you are still travelling, provided you cannot recover those costs from another source.*
While it’s not something we would want to think about, serious accidents can happen on motorcycles, mopeds and scooters overseas. Fast Cover’s Accidental Death benefit can provide a lump sum payment to your estate if you are injured while riding or being a passenger on a motorcycle, moped or scooter during your overseas trip and you pass away because of that injury within 12 months of the injury date.*
The Accidental Death benefit is available under our Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies. Please note, age and benefit limits apply per policy type, read the PDS for full terms and conditions. Please note Accidental Death cover is not available under the Standard Saver or Basics policies.
Travellers who add the Motorcycle Pack might book a motorcycle tour to explore their destination. Under our PDS a tour is a special event so if your scheduled transport is cancelled, delayed, shortened or diverted during your overseas trip and that means you would not arrive to your tour on time, Fast Cover may provide cover for the reasonable additional travel expenses to help you to get to your special event on time such as a guided group motorcycle tour, so you don’t miss the moments that matter.*
If your scheduled transport is cancelled, delayed, shortened or diverted, our travel insurance may be able to provide cover of up to $5,000 for you to book an alternative flight or other transport to help you make it to your special event on time.*
Special events include a pre-booked, pre-paid and pre-arranged:
Wedding
Funeral
Conference
Concert
Sporting event
Cruise
Tour package
What are the Motorcycle Pack licence requirements for riding overseas?
The following licence requirements apply if you add the Motorcycle Pack to your policy. Please note you must comply with the restrictions of your Australian license, as well as the local laws. If you plan to ride or be a passenger on a motorcycle, moped or scooter overseas, it’s best to thoroughly research the licencing and traffic laws that will apply to you.
Licence requirements for riders
If you are the rider in control of a motorcycle, moped or scooter with an engine capacity of:
Engine Capacity | Licence Requirement |
125cc or less | You must hold both a current Australian Drivers Licence (Provisional or higher) (regardless of the local laws) and a licence valid for the country that you are riding in.
|
Greater than 125cc | You must hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that you are riding in. |
Licence requirements for passengers
If you are the passenger on a motorcycle, moped or scooter, the person in control must hold a current licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter that is valid for the country that you are in.
What are the Motorcycle Pack licence requirements for riding overseas?
The following licence requirements apply if you add the Motorcycle Pack to your policy. Please note you must comply with the restrictions of your Australian license, as well as the local laws. If you plan to ride or be a passenger on a motorcycle, moped or scooter overseas, it’s best to thoroughly research the licencing and traffic laws that will apply to you.
Licence requirements for riders
If you are the rider in control of a motorcycle, moped or scooter with an engine capacity of:
Engine Capacity | Licence Requirement |
125cc or less | You must hold both a current Australian Drivers Licence (Provisional or higher) (regardless of the local laws) and a licence valid for the country that you are riding in.
|
Greater than 125cc | You must hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that you are riding in. |
Licence requirements for passengers
If you are the passenger on a motorcycle, moped or scooter, the person in control must hold a current licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter that is valid for the country that you are in.
How to add the Motorcycle Pack to your policy
If you are 74 and under and wish to be covered for riding or being the passenger on a motorcycle, moped or scooter overseas, Fast Cover’s simple quote process can be completed online or over the phone to help you add the Motorcycle Pack to an eligible travel insurance policy. Below is some of the information which may be needed to get a quote with cover for riding or being a passenger on a motorcycle, moped or scooter overseas.
Enter your travel details
Enter all the destinations or regions you will be travelling to and add your travel dates.
Select who needs cover
Are you travelling solo, with a companion or with your family? Add all travellers and their details to your policy.
Add trip details
Tell us if you’re going on a cruise, or skiing or snowboarding.
Add the Motorcycle Pack
Compare the policies available for your quote application, select your preferred policy and click ‘Next’. Then select the Motorcycle Pack from the list of available optional extras.
Complete the rest of your quote application by adding each traveller’s details and completing a medical screening if required. Please note the Motorcycle Pack is not available on Domestic Plus policies.
How to add the Motorcycle Pack to your policy
If you are 74 and under and wish to be covered for riding or being the passenger on a motorcycle, moped or scooter overseas, Fast Cover’s simple quote process can be completed online or over the phone to help you add the Motorcycle Pack to an eligible travel insurance policy. Below is some of the information which may be needed to get a quote with cover for riding or being a passenger on a motorcycle, moped or scooter overseas.
Enter your travel details
Enter all the destinations or regions you will be travelling to and add your travel dates.
Select who needs cover
Are you travelling solo, with a companion or with your family? Add all travellers and their details to your policy.
Add trip details
Tell us if you’re going on a cruise, or skiing or snowboarding.
Add the Motorcycle Pack
Compare the policies available for your quote application, select your preferred policy and click ‘Next’. Then select the Motorcycle Pack from the list of available optional extras.
Complete the rest of your quote application by adding each traveller’s details and completing a medical screening if required. Please note the Motorcycle Pack is not available on Domestic Plus policies.
Cover for existing medical conditions
If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.
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Select who needs cover
Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.
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Take a medical screening
Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.
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Choose to add cover
We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.
Insurance cover options
At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.
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Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
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The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
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Our Basics travel insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.*
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The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
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If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
Insurance cover options
At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.
Comprehensive
Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
Standard Saver
The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
Basics (medical only)
Our Basics travel insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.*
Snow Sports Plus
The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
Frequent Traveller Saver
If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
Who can get travel insurance with motorcycle cover?
Whether you're travelling solo, with a partner, or as part of a group, every motorcycle trip is different. Fast Cover's Motorcycle Pack is designed for a wide range of Aussie travellers aged 74 and under who plan to ride or travel as a passenger on a motorcycle, moped or scooter overseas, including:
Solo travellers exploring destinations like Bali by scooter
Couples discovering cities such as Florence by moped
Backpackers travelling between multiple countries and relying on motorcycles, mopeds or scooters to get around
Adventure travellers taking scenic motorcycle road trips through New Zealand or Europe
Cruise passengers hiring scooters or mopeds to explore ports of call during onshore excursions
Recreational riders of all experience levels embarking on overseas motorcycle touring holidays
Travellers riding as passengers on guided motorcycle tours
Holidaymakers looking for the freedom and flexibility of exploring their destination on two wheels
Who can get travel insurance with motorcycle cover?
Whether you're travelling solo, with a partner, or as part of a group, every motorcycle trip is different. Fast Cover's Motorcycle Pack is designed for a wide range of Aussie travellers aged 74 and under who plan to ride or travel as a passenger on a motorcycle, moped or scooter overseas, including:
Solo travellers exploring destinations like Bali by scooter
Couples discovering cities such as Florence by moped
Backpackers travelling between multiple countries and relying on motorcycles, mopeds or scooters to get around
Adventure travellers taking scenic motorcycle road trips through New Zealand or Europe
Cruise passengers hiring scooters or mopeds to explore ports of call during onshore excursions
Recreational riders of all experience levels embarking on overseas motorcycle touring holidays
Travellers riding as passengers on guided motorcycle tours
Holidaymakers looking for the freedom and flexibility of exploring their destination on two wheels
Do I need travel insurance for a motorcycle trip?
Whether you’re planning to ride a scooter in Thailand, go sightseeing on a moped in Europe or embark on a cross-country motorcycle tour of the US, we understand that unexpected situations and factors outside of your control can arise while travelling on two wheels, leaving you with out of pocket expenses. Travel insurance with cover motorcycle riding can help you deal with unforeseen events if the unexpected happens.
Here are some situations which you might consider when deciding if you need travel insurance with cover for riding a motorcycle for your next trip and whether your travel insurance policy can provide cover for these situations:
Becoming unexpectedly sick or injured could force you to cancel your motorcycle trip. Rescheduling a cancelled holiday and dealing with lost deposits and non-refundable motorcycling tours, flights and accommodation can become stressful and expensive. Consider if your travel insurance can provide cover for trip cancellation expenses.
If you need to cancel your motorcycling holiday due to an existing medical condition, you could be left out of pocket for non-refundable pre-paid trip bookings. You may wish to check if your travel insurance can provide cover for trip cancellation expenses if you need to cancel your motorcycle trip due to your existing medical condition.
If you have any existing medical conditions, you may be able to apply to include cover for them during your trip. Fast Cover’s simple medical screening process can be completed online or over the phone to help you find out if your existing medical or pregnancy condition can be covered.
Consider whether your travel insurance can provide cover if you become sick or injured while being a rider or passenger on a motorcycle, moped or scooter overseas and incur emergency medical and hospital expenses.
This could include treatment for fractures, dislocations, cuts, infections or other unexpected injuries sustained while travelling on a motorcycle, moped or scooter overseas. You may also wish to check whether your policy can provide cover for overseas emergency medical evacuation or repatriation if you require urgent medical transport, particularly if you’ll be visiting remote destinations or challenging motorcycle routes.
If you experience a medical emergency while travelling on a motorcycle, moped or scooter overseas, consider whether your travel insurance policy includes access to 24/7 emergency medical assistance services.
Depending on your situation and location, emergency assistance teams may be able to help arrange medical treatment, hospital admissions, emergency transport or communication support during an overseas medical emergency.
While rare, serious accidents resulting in death can happen while travelling on a motorcycle, moped or scooter overseas. Consider whether your travel insurance policy includes benefits for accidental death if you suffer a serious injury resulting in death as a result of riding or being a passenger on a motorcycle, moped or scooter during your overseas trip.
If your scheduled transport to your motorcycling tour is cancelled, delayed, shortened or diverted you could risk spending thousands of dollars on additional transport to make it to your tour on time. Worse yet, you could miss out on special events you’ve already booked and paid for. Consider if your travel insurance can provide cover for special event transport expenses.
Do I need travel insurance for a motorcycle trip?
Whether you’re planning to ride a scooter in Thailand, go sightseeing on a moped in Europe or embark on a cross-country motorcycle tour of the US, we understand that unexpected situations and factors outside of your control can arise while travelling on two wheels, leaving you with out of pocket expenses. Travel insurance with cover motorcycle riding can help you deal with unforeseen events if the unexpected happens.
Here are some situations which you might consider when deciding if you need travel insurance with cover for riding a motorcycle for your next trip and whether your travel insurance policy can provide cover for these situations:
Becoming unexpectedly sick or injured could force you to cancel your motorcycle trip. Rescheduling a cancelled holiday and dealing with lost deposits and non-refundable motorcycling tours, flights and accommodation can become stressful and expensive. Consider if your travel insurance can provide cover for trip cancellation expenses.
If you need to cancel your motorcycling holiday due to an existing medical condition, you could be left out of pocket for non-refundable pre-paid trip bookings. You may wish to check if your travel insurance can provide cover for trip cancellation expenses if you need to cancel your motorcycle trip due to your existing medical condition.
If you have any existing medical conditions, you may be able to apply to include cover for them during your trip. Fast Cover’s simple medical screening process can be completed online or over the phone to help you find out if your existing medical or pregnancy condition can be covered.
Consider whether your travel insurance can provide cover if you become sick or injured while being a rider or passenger on a motorcycle, moped or scooter overseas and incur emergency medical and hospital expenses.
This could include treatment for fractures, dislocations, cuts, infections or other unexpected injuries sustained while travelling on a motorcycle, moped or scooter overseas. You may also wish to check whether your policy can provide cover for overseas emergency medical evacuation or repatriation if you require urgent medical transport, particularly if you’ll be visiting remote destinations or challenging motorcycle routes.
If you experience a medical emergency while travelling on a motorcycle, moped or scooter overseas, consider whether your travel insurance policy includes access to 24/7 emergency medical assistance services.
Depending on your situation and location, emergency assistance teams may be able to help arrange medical treatment, hospital admissions, emergency transport or communication support during an overseas medical emergency.
While rare, serious accidents resulting in death can happen while travelling on a motorcycle, moped or scooter overseas. Consider whether your travel insurance policy includes benefits for accidental death if you suffer a serious injury resulting in death as a result of riding or being a passenger on a motorcycle, moped or scooter during your overseas trip.
If your scheduled transport to your motorcycling tour is cancelled, delayed, shortened or diverted you could risk spending thousands of dollars on additional transport to make it to your tour on time. Worse yet, you could miss out on special events you’ve already booked and paid for. Consider if your travel insurance can provide cover for special event transport expenses.
What is the best travel insurance for a motorcycle trip?
The best travel insurance for a motorcycle trip can be considered as a policy that provides cover for the type of trip and activities you’re planning. When comparing travel insurance for trips that involves riding a motorcycle, moped or scooter, it’s important to choose a policy that aligns with your specific travel plans and the activities you intend to participate in.
Here are some examples of things you may wish to consider when comparing travel insurance policies with cover for riding a motorcycle to help you decide which policy may be right for you:
The best travel insurance for a motorcycle trip isn’t always the cheapest policy available; it’s the policy that provides a suitable level of cover for your trip, destination and planned activities.
Fast Cover offers a range of travel insurance policies which travellers can add the Motorcycle Pack to. For example, our Comprehensive, Standard Saver, Basics, Snow Sports Plus, and Frequent Traveller Saver policies all allow you to add on the Motorcycle Pack, but the policies vary in coverage and benefit limits available.
When comparing policies, always read the PDS, review what benefits are included, and check the applicable benefit limits, exclusions and conditions. Understanding the scope of cover can help you decide which policy may be right for your travel plans.
Getting sick or injured while riding or being a passenger on a motorcycle, moped or scooter overseas can be stressful and costly. Medical treatment, hospital stays and emergency transport overseas can quickly result in significant out of pocket expenses in some countries.
Fast Cover’s eligible international travel insurance policies can provide unlimited cover for:
overseas 24/7 emergency medical assistance
overseas emergency medical and hospital expenses, and
overseas emergency medical evacuation and repatriation
in circumstances covered under the policy.*
When comparing travel insurance for motorcycle trips, you may wish to consider whether the policy include similar medical benefits.
Have you booked flights, tours or accommodation for your motorcycle trip?
You may wish to consider whether your travel insurance policy includes cancellation and disruption benefits in case your travel plans are unexpectedly impacted by unforeseen circumstances, such as an unexpected illness, injury or other covered events before or during your trip.
The type of activities you plan on doing during your trip can impact the level of cover you need. Some travellers are simply sightseeing or exploring local towns by scooter, while others might be adding adventure activities like quad biking, hiking at high altitudes or tandem skydiving.
When comparing policies, check if they include cover for these activities or allow you to add optional extras to provide cover for these activities. Depending on the policy you choose with Fast Cover, you may be able to add optional extras like the Adventure Pack for an additional premium to provide cover for a wide range of adventure activities. It’s important to choose a policy which allows you to add cover for all the activities you plan to do.
What is the best travel insurance for a motorcycle trip?
The best travel insurance for a motorcycle trip can be considered as a policy that provides cover for the type of trip and activities you’re planning. When comparing travel insurance for trips that involves riding a motorcycle, moped or scooter, it’s important to choose a policy that aligns with your specific travel plans and the activities you intend to participate in.
Here are some examples of things you may wish to consider when comparing travel insurance policies with cover for riding a motorcycle to help you decide which policy may be right for you:
The best travel insurance for a motorcycle trip isn’t always the cheapest policy available; it’s the policy that provides a suitable level of cover for your trip, destination and planned activities.
Fast Cover offers a range of travel insurance policies which travellers can add the Motorcycle Pack to. For example, our Comprehensive, Standard Saver, Basics, Snow Sports Plus, and Frequent Traveller Saver policies all allow you to add on the Motorcycle Pack, but the policies vary in coverage and benefit limits available.
When comparing policies, always read the PDS, review what benefits are included, and check the applicable benefit limits, exclusions and conditions. Understanding the scope of cover can help you decide which policy may be right for your travel plans.
Getting sick or injured while riding or being a passenger on a motorcycle, moped or scooter overseas can be stressful and costly. Medical treatment, hospital stays and emergency transport overseas can quickly result in significant out of pocket expenses in some countries.
Fast Cover’s eligible international travel insurance policies can provide unlimited cover for:
overseas 24/7 emergency medical assistance
overseas emergency medical and hospital expenses, and
overseas emergency medical evacuation and repatriation
in circumstances covered under the policy.*
When comparing travel insurance for motorcycle trips, you may wish to consider whether the policy include similar medical benefits.
Have you booked flights, tours or accommodation for your motorcycle trip?
You may wish to consider whether your travel insurance policy includes cancellation and disruption benefits in case your travel plans are unexpectedly impacted by unforeseen circumstances, such as an unexpected illness, injury or other covered events before or during your trip.
The type of activities you plan on doing during your trip can impact the level of cover you need. Some travellers are simply sightseeing or exploring local towns by scooter, while others might be adding adventure activities like quad biking, hiking at high altitudes or tandem skydiving.
When comparing policies, check if they include cover for these activities or allow you to add optional extras to provide cover for these activities. Depending on the policy you choose with Fast Cover, you may be able to add optional extras like the Adventure Pack for an additional premium to provide cover for a wide range of adventure activities. It’s important to choose a policy which allows you to add cover for all the activities you plan to do.
What’s not covered in our travel insurance for riding or being a passenger on a motorcycle, moped or scooter?
It’s important to know not just what your travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
If you’re injured in an accident while, for example, riding a scooter in Bali, and you didn’t add the Motorcycle Pack to your eligible travel insurance policy, you may be responsible for paying your overseas medical and hospital expenses because you did not choose to include cover for that under your policy.
It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do on your trip.
The Motorcycle Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Basics, Snow Sports Plus, or Frequent Traveller Saver policy. Travellers aged 75 and over at the date of policy issue are not eligible for the Motorcycle Pack.
Failing to meet the licencing requirements relevant to you riding or being a passenger on a motorcycle, moped or scooter will affect the cover on your policy. You must comply with the restrictions of your Australian license, as well as the local laws.
There is no cover if you are the rider in control of a motorcycle, moped or scooter with an engine capacity:
of 125cc or less and do not hold both a current Australian Drivers Licence (Provisional or higher) (regardless of the local laws) and a licence valid for the country that you are riding in
greater than 125cc and do not hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that you are riding in.
There is no cover if you are the passenger on a motorcycle, moped or scooter and the person in control does not hold a current licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter being ridden, or their licence is not valid for the country that you are in.
Our policy does not provide cover for damage to, or theft of, the motorcycle, moped or scooter itself. This applies whether the vehicle is owned or hired. If you are hiring a motorcycle, moped or scooter, check with the rental company about their own insurance or damage waiver options.
The Motorcycle Pack does not provide cover if the claim or loss is for:
Permanent disability under Benefit 10
Loss of income under Benefit 11
Personal liability under Benefit 18
Rental vehicle excess under Benefit 19
If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, if you ride a motorcycle, moped or scooter without wearing the required safety gear such as a crash helmet or while under the influence of drugs or alcohol.
The Motorcycle Pack does not provide cover for riding off road. Cover is only available when riding on either sealed or unsealed public roads. There is also no cover for motocross, jumping, racing or competition of any sort.
There is no cover under the Benefit 14: Luggage & Personal Effects for items left with a motorcycle, moped or scooter, even in a locked storage compartment. Please note there is also no cover for hired items such as a hired helmet or safety gear.
Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.
Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.
Perhaps the traffic was bad, you didn’t enjoy your motorcycle tour, or the route didn’t live up to the expectation. Whatever the reason you’re unhappy with how your motorcycle trip has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
What’s not covered in our travel insurance for riding or being a passenger on a motorcycle, moped or scooter?
It’s important to know not just what your travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
If you’re injured in an accident while, for example, riding a scooter in Bali, and you didn’t add the Motorcycle Pack to your eligible travel insurance policy, you may be responsible for paying your overseas medical and hospital expenses because you did not choose to include cover for that under your policy.
It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do on your trip.
The Motorcycle Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Basics, Snow Sports Plus, or Frequent Traveller Saver policy. Travellers aged 75 and over at the date of policy issue are not eligible for the Motorcycle Pack.
Failing to meet the licencing requirements relevant to you riding or being a passenger on a motorcycle, moped or scooter will affect the cover on your policy. You must comply with the restrictions of your Australian license, as well as the local laws.
There is no cover if you are the rider in control of a motorcycle, moped or scooter with an engine capacity:
of 125cc or less and do not hold both a current Australian Drivers Licence (Provisional or higher) (regardless of the local laws) and a licence valid for the country that you are riding in
greater than 125cc and do not hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that you are riding in.
There is no cover if you are the passenger on a motorcycle, moped or scooter and the person in control does not hold a current licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter being ridden, or their licence is not valid for the country that you are in.
Our policy does not provide cover for damage to, or theft of, the motorcycle, moped or scooter itself. This applies whether the vehicle is owned or hired. If you are hiring a motorcycle, moped or scooter, check with the rental company about their own insurance or damage waiver options.
The Motorcycle Pack does not provide cover if the claim or loss is for:
Permanent disability under Benefit 10
Loss of income under Benefit 11
Personal liability under Benefit 18
Rental vehicle excess under Benefit 19
If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, if you ride a motorcycle, moped or scooter without wearing the required safety gear such as a crash helmet or while under the influence of drugs or alcohol.
The Motorcycle Pack does not provide cover for riding off road. Cover is only available when riding on either sealed or unsealed public roads. There is also no cover for motocross, jumping, racing or competition of any sort.
There is no cover under the Benefit 14: Luggage & Personal Effects for items left with a motorcycle, moped or scooter, even in a locked storage compartment. Please note there is also no cover for hired items such as a hired helmet or safety gear.
Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.
Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.
Perhaps the traffic was bad, you didn’t enjoy your motorcycle tour, or the route didn’t live up to the expectation. Whatever the reason you’re unhappy with how your motorcycle trip has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
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