Travel insurance covering riding your own bike

[Cabbage Patch]

I have bike insurance covering me abroad but I need to renew my travel insurance. Currently with Coverwise but the reviews for if you need to make a claim are shocking, so looking to change this time.

I know a lot of policies only have medical cover if riding bikes up to 125cc. Any suggestions?

[black-k1]

I use Coverwise. The have no cc limit and cover motorcycle road riding. I've never claimed so can't comment on that part of the policy.

[Cabbage Patch]

When I took the Coverwise policy out last year I didn t notice the poor reviews. Backed by AXA so thought they'd be ok, but apparently not.

[black-k1]

The reviews don't seem to bad to me!

https://uk.trustpilot.com/review/coverwise.co.uk

[Marquezs Stabilisers]

Navigator Travel Insurance is who I'm with. Covers riding your own big bike both in UK and abroad. If required, they can do foreign trackdays as well.

[Cabbage Patch]

black-k1 said:

The reviews don't seem to bad to me!

https://uk.trustpilot.com/review/coverwise.co.uk

Indeed. Looks great. But over 90,000 reviews? Seems a lot. When you read up they mostly seem to be about the process of buying the cover. One negative review made me laugh as a lady had her claim rejected because she didn’t declare she had sinusitis and thrush 18 months earlier!

The Google reviews are less kind.

https://g.co/kgs/UgttjPs

[black-k1]

Cabbage Patch said:

black-k1 said:

The reviews don't seem to bad to me!

https://uk.trustpilot.com/review/coverwise.co.uk

Indeed. Looks great. But over 90,000 reviews? Seems a lot. When you read up they mostly seem to be about the process of buying the cover. One negative review made me laugh as a lady had her claim rejected because she didn t declare she had sinusitis and thrush 18 months earlier!

The Google reviews are less kind.

https://g.co/kgs/UgttjPs

A sample size of 78 is not really comprehensive.

I'm sure claiming will be a challenge with any/all insurers, and I can't say Axa/Coverwise will be any better or worse than anyone else. It's all a gamble but at least the policy is clear that there are no restrictions on bikes bigger than 125cc.

[Cakey_]

Nationwide flex plus account, comes with European breakdown cover and travel insurance for the whole family, also mobile phone insurance.

Well worth the small monthly amount.

The key is in the wording nationwide don't cover you flr motorcycling as an activity over a 125, so youre not covered if you go and rent a bike abroad but do cover you if riding your bike from your home abroad.

[baxb]

Tesco insurance covers riding your own/rented bikes of over 125cc

[Cabbage Patch]

I went with Tesco in the end. Just the economy cover as I wasn’t too worried about trip interruption / cancellation, travel delay and the like. We generally just go and ride, so don’t have lots of expenses up front if plans have to change. There is still cover for this, but at a lower value. Unlimited medical expense cover, which is the important thing for me.

I did consider Navigator as you can upgrade to 45 or 60 day max trip length whilst Tesco is max 31 days. Our last trip was 33 days so it might be an issue but with where we want to travel over the next year we probably won’t be away for more than a month at a time.

My current annual policy with Coverwise expires while we’re away. Reading the Ts&Cs I started the Tesco policy the day we leave as you have to confirm you’re in the UK when cover starts.