Travel Insurance for Motorbike Touring

Funnily enough there aren't that many insurance companies that will provide travel insurance to those wanting to motorcycle tour (use a motorbike as their primary mode of transport)! I guess that's why Accident and Emergency staff nickname motorcyclists "Donors"...

However, I believe this is going to be your most valuable purchase. Forget about the bike and your kit. If you're in a bad accident abroad you want to be sure you're going to get assistance and treatment out there and (if necessary) they will definitely fly you home as soon as safety allows. If it's a broken arm or leg you might want to remain away whilst the damage heals and then continue on your journey. However, if it's serious and you're in the middle of nowhere I think you'd want reassurance you're in capable hands.

The only UK companies I've come across that provide travel insurance (with no exclusion for motorcycle over 125cc) are:

Much like the situation with motor insurance, these policies generally exclude any personal liability if you caused an accident with your motorbike. I guess that's just hard luck. We're not going to be able to cover everything. This is an adventure after all...

I don't think many (or any) of them will repatriate your motorbike if you're in an accident either. That will be down to you and remember if it is a write-off you're going to need to get it certified as such and all your paperwork in order before they'll let you leave the country.

I know it sounds obvious but I would suggest you start your conversation with the insurance broker my explaining what you plan to do and that motorcycle touring will be your primary mode of transport. No point getting through the quotation process and then finding out they don't cover motorbike riding. Another good insurance provider is Insurefor.com.

If you can face it have thorough read of the policy wording. Important points to check before buying are:

No limit on motorcycle engine capacity (or if there is a limit it is higher than your motorbike).
Total cover for emergency medical expenses and repatriation (usually £3/£5/£10 million).
If it's for a long time 9-12 months plus, check whether you're allowed to come back to your home country during the period of your insurance. Many policies cease when you set foot back on UK soil so if you do pop back for any unforeseen reason you may have to re-purchase insurance. (eTravel backpackers policy is one of the few that does allow for this.)
Total and individual item cover for money, passport, important document replacement.
Total and individual item cover for luggage.
Total cover for legal expenses.
Total cover for personal liability (for if you injure someone when not on your motorbike)
Extreme sports exclusions (you may have to pay a premium if you want to do certain activities whilst away).

Separate Medical Evacuation

I've also seen an American company called Medjet Assist. For a reasonable membership fee (about $250/year) they will evacuate you from anywhere in the world to a hospital of your choice! Sounds like a great service. View Medjet Assist here.