Travel insurance brand Holidaysafe has developed a biker-specific travel policy that will bring your bike home if you can’t ride it.
The Holidaysafe Motorcycle policy will pay up to £1,000 for you to retrieve your bike yourself or pay for it to be brought home. This covers you if you are injured or ill, or because repairs to a damaged or broken-down bike were not completed on time.
This is usually a gap between travel policies and breakdown and recovery policies. Travel policies generally exclude vehicles and breakdown and recovery policies normally will only recover a bike that has broken down, not if the rider is unable to ride due to illness or injury. Holidaysafe is believed to be the first to fill this gap.
Helmet and leather cover included
The policy also automatically includes helmet and leather cover with sums covered at the higher end of these often stand-alone policies. It covers £1,000 for leathers, £300 for boots, £750 for a helmet, £75 for gloves and £100 for a tail pack or tank bag. This is high-level cover.
Those buying an annual policy will be covered for recovery of the vehicle and the full helmet and leather cover on UK trips and when abroad.
And for those with kids, the family version of the policy will also cover children travelling independently to or from meeting their parents. This means you can ride your bike to your holiday destination and your kids can fly to meet you.
Built by bikers
Amber Howard, Holidaysafe brand manager with Infinity, the insurance broker that built the policy, said it had been developed with input from two bikers within the firm. They had tried to think of all possible situations a biker could face. They had then to convince the underwriter, German insurer URV (also regulated in the UK), to provide the cover.
Howard revamped the policy wording this week after questions from The Zebra flagged up a gap in the wording. It now clearly states that it will cover you if you are taken ill or get injured.
The original document said the insurer would repatriate your bike:
“If you have returned home without your motorcycle because repairs had not been completed, or in the event of theft your motorcycle had not been recovered in time for your planned return to the United Kingdom you may claim for reasonable travel and accommodation expenses for one person to collect the motorcycle from abroad when it repaired or recovered.”
The revised document will say:
“If you have returned home without your motorcycle because:
- you have returned home early due to your death, injury or illness;
- repairs had not been completed, or in the event of theft, your motorcycle had not been recovered in time for your planned return to the United Kingdom.
you may claim for reasonable travel and accommodation expenses for one person to collect the motorcycle from abroad when it repaired or recovered.”
The basic policy would not pay out in the event of another ash cloud disruption – the problem that prompted 700 complaints to the Financial Services Ombudsman in 2010 and, effectively, a ruling against the insurers. However, the airlines were subsequently made to pay for the delays that arose.
And children are only covered travelling independently if travelling to, or from, a parent – so they would need their own travel insurance to travel solo to visit relatives or friends abroad – something most airlines now support.
Business use can be covered, as can people with pre-existing medical conditions. There are seven extensions available for dangerous activities and winter sports taking you all the way to the Everest Base Camp or free diving with sharks, via alligator wrestling.