Motorcycle Travel Insurance: Everything You Need To Know
Whether you’re a veteran motorcyclist, a novice, or a general motorcycle enthusiast, nothing compares to the thrill that comes with riding motorcycles. But with the fun and adventures atop, riding with safety insurance is what counts the most. Motorcycle travel safety is an essential thing worth considering, given the numerous risks facing it.
While no one appreciates having their riding fun cut short by unfortunate events, some come out of the blue and are often unprecedented. It, therefore, begs the question; what assures compensation for unlikely damages that tag along with unfortunate motorcycling experiences?
In this article, we’ll give you an insight into what motorcycle travel insurance covers and what it entails.
WHAT IS COVERED UNDER MOTORCYCLE TRAVEL INSURANCE?
Having insurance coverage is an essential legal requirement before hitting the road worldwide. But far from it, an insurance cover offers more than what meets the eye. Typically, the raging roads present numerous risks that usually come unexpectedly. And if they counter your travel without having a definitive plan getting out, it gets you cornered.
Most travel insurance contracts cover myriad risks synonymous with motorcycle travel. Besides, they also stretch a hand in helping alleviate unfortunate costs that are often untamable. Here’s what gets covered.
· ACCIDENTAL DAMAGE
Accidental damages are typically unintentional reversible or irreversible faults to your motorcycle that occur as you travel. Travel insurance will cover your motorcycle and compensate for the damages that come with it only if they don’t result from clumsiness or violating clear road regulations.
· CRASH OR COLLISION
As long as you stay clear of violating road regulations, most insurance companies offer compensation for damages resulting from crashes and collisions. If, unfortunately, you get caught up in between and get injured, your travel insurance provider will also take care of your hospital bills to recovery.
· THEFT OR ATTEMPTED THEFT
As you travel with your motorcycle, whether for the fun of it or with a clear destination in mind, there’re chances of encountering theft – though incredibly minimal. When it so occurs, travel insurance covers thefts through compensation.
TYPES OF MOTORCYCLE TRAVEL INSURANCE COVERAGE
As you set a quick weekend jaunt or plan for a trip with a pre-determined destination, it’s good that you get travel insurance for your motorcycle. It comes in handy numerously, offering a reprieve to what’s uncertain on the roads. Besides, some unfortunate events may precede moments you rev your engine and burn the gas. Therefore, it’s imperative to understand what types of travel insurance are ideal for you. Here are the main types of motorcycle travel insurance and what they cover.
· PROPERTY DAMAGE LIABILITY COVERAGE
This insurance coverage only takes care of the damages incurred by other travelers caught up in accidents that involve your motorcycle. Typically, it won’t compensate for damages on your motorcycle but takes care of the other person involved. It helps you cover costs of repairs on vehicles, storefronts, or private residences without having to dig into your pockets, which is better than no help at all.
· BODILY INJURY LIABILITY COVERAGE
When accidents set in, it’s possible to incur bodily damages, whether alone or with a passenger aboard. While this insurance coverage won’t be responsible for personal injuries, it takes care of the people who tag along with you as you travel on your motorcycle. Standard bodily liability coverage takes care of their medical bills, while others stretch to compensating losses on wages that lay a burden on you when you’re at fault.
· PERSONAL INJURY PROTECTION
Personal injury protection takes care of your medical expenses, lost income, and childcare in the event that you become incapacitated with injuries. If, unfortunately, you succumb to the damages that come with accidents, this type of travel insurance takes care of the people entirely dependent on you.
· COMPREHENSIVE COVERAGE
This travel insurance for motorcycles covers damages resulting from what’s entirely beyond your control. Natural disasters, including flooding and earthquakes, can interrupt your travel, although it’s improbable. Other instances that often put you in an awkward position during travel include vandalism and theft, which your insurance giver will compensate to the equivalent of the value of your bike.
· TOWING AND LABOR COVERAGE
As you travel with your motorcycle, it’s typical that you encounter technical hitches. If you aren’t well prepared for them, you’ll get stranded on the road, and oftentimes, you may need help with towing. This insurance cover, therefore, helps reimburse your towing and labor to the garage.
TRAVEL INSURANCE FOR MOTORCYCLES OVERSEAS
If you’re planning on traveling overseas using your motorcycle, you should have a valid license from your country as a pre-requisite to travel overseas. Most insurance providers offer coverage for motorcycle travelers overseas with a valid license. Nevertheless, the rule of traveling overseas vary, and an international driver’s permit may be paramount in the country you’re destined to.
In this regard, it’s essential to check the rules and regulations concerning your destination. Some insurance providers demand that you adhere to them before giving you travel insurance for your motorcycle.
MOTORCYCLE TRAVEL INSURANCE EXCLUSIONS
While most travel insurances cover numerous atrocities regarding motorcycle travel, there are limits standards to most insurers that can be counterintuitive to you. Therefore, before getting your insurance ready and your travel essentials all packed up, be sure to read through the insurance contract not to get stuck in oblivion. Here’s what travel insurance for motorcycles doesn’t cover.
· LOSSES THAT OCCUR DUE TO PRE-EXISTING CONDITIONS
Suppose your bike has pre-existing technical hitches or isn’t up to scratch with standard roadworthy conditions. In that case, damages that result from this before signing up for an insurance contract aren’t compensated.
· NATURAL DISASTERS THAT OCCUR BEFORE SIGNING AN INSURANCE CONTRACT
If natural disasters date way back before you signed your insurance contract, damages resulting from them aren’t liable for compensation.
· RISKY ACTIVITIES
If you indulge in risky activities, you’re well aware of the consequences, damages that result after don’t warrant compensation.
Motorcycle travel insurance is essential for the part that alleviates costs to damages synonymous with travel. It offers a reprieve to unfortunate events that are often beyond your control, giving you control of dealing with the consequences that come after. If anything, getting insurance cover is worth investing in protecting you and your lovely traveling machine.