Am I covered for scooters, mopeds or motorcycles?

What do you classify as a motorcycle?

By “motorcycle” we mean a two or three-wheeled vehicle that can go faster than 50 kph, or has an engine cylinder capacity of more than 50cc.

What counts as a moped or scooter?

A moped or scooter is a two or three-wheeled vehicle that can’t go faster than 50 kph, and has an engine cylinder capacity of less than 50cc.

How can I make sure I’m covered for using a moped or scooter?

1. No matter if you’re the driver or a passenger, you must wear a helmet at all times when you’re on the moped or scooter.
2. You need to hire and return the vehicle to the same location that you picked it up from.  
3. Make sure you follow the laws and road rules for the location you’re in, and meet all the T&Cs of your rental agreement.

Why is using a motorcycle not covered?

Let’s be honest, for most people, driving or even riding a motorcycle as a passenger is a bit of a thrill. As our policies are designed to cover standard holidays rather than thrill-seeking adventures or extreme sports, we don’t cover riding or driving motorcycles, and that includes dirt bikes.

So if you’re planning a holiday and still want to add in that motorcycle experience, please make sure you research and find travel insurance or get specialised insurance that will cover you (and not just the bike). Likewise, if you’re planning a motorcycle adventure from Alaska to the tip of South America look for an organised tour and specialist insurance, as expeditions like that require additional emergency support and contingency plans, especially in remote areas.

How about quad bikes?

That’s a yes, but it must be an organised activity and under specific conditions. We cover the use of “all-terrain vehicles”, which are small open motor vehicles with 3 or more wheels (like a quad bike), that are designed to travel on rough and uneven terrain. To be covered if you’re using a quad bike (or another all-terrain vehicle), you need to be under the direct supervision of an operator that’s licensed in the country you’re in, you must obey all safety requirements and wear a helmet at all times.