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The Mouse Forum Ferry Spotter
Joined: 04 Dec 2006 Posts: 4904
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Posted: Sat Jun 14, 2008 7:53 am Post subject: Travel Insurance |
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I've been contacted a couple of times recently regarding Travel Insurance after Matt posted that I had done a bit of research into it. I think the word 'research' is a bit strong, all I did was shop around abit to find myself a good deal. But, anyone who knows me knows that i'm tighter than a spandex clad Vanessa Feltz when it comes to buying things from companies and I always try to sniff out a good deal or a decent discount.
Firstly, you need to decide or gaze into your crystal ball and try to predict how many times you are going to go away and where you are going to go during the year. Remember that overnight trips in the UK count as well. If it's going to be more than once then the chances are an annual policy is the way forward rather than a single trip policy. If are are not venturing further than Europe then stick to a European policy rather than Worldwide.
Get youself an EHIC card https://www.ehic.org.uk/Internet/home.do This is basically a European national health insurance card. Most countries have an NHS of some type and this card intitles you to use there health care free of charge. The card is free. It also bags you a discount on your travel insurance.
Do you need a family, couple or individual policy. Going to Eurodisney earlier in the year a family policy was the way forward for me, but i did check that as the policyholder it covers me to go away on my own as well. And, yes it does.
What i did was a search on http://www.moneysupermarket.com/travelinsurance/ to give me an idea.
Now, this is where the problem starts, you can tick a 'winter sports' option, but, there is no 'motorcycle tour' option. Some companies will cover you on a bike tour, others won't. So, although it listed cheapest policy first, it's not on a level playing field.
I basically ignored the first few cheapest policies it gave me, purely because I had never heard of them. If the worst happens and I need to make a claim, possibly for thousands, i want a company that i have heard of before. A company like 'Top Dog Insurance' doesn't float my boat, i've never heard of them and for all I know they could work out of one office above a shop and have never paid out anything in there life.
Scroling down and for only a couple of pounds extra I came across 'American Express Travel Insurance'. Yeap, that will do. A quick phone call was made just to confirm motorcycling touring was OK, which it was. There was however two exemptions to this:
1) I not allowed to go offroad - so all you Massey Ferguson GS Ewan Mcgregor wannabies may need to look somewhere else
2) I must wear protective clothing
https://www.etravel.americanexpress.com/auth/servlet/FrontServlet?request_type=landing&
My Annual, Multi Trip, European, Family (of 4) policy with them cost me £42.75.......bargain!!!!
This allows me 93 days per year. If you wanted more it costs a bit extra. BUT, i do not need to inform them each time I go.
Are you thinking what i'm thinking???
I asked the question "If I don't need to tell you each time I go away how do you know that I haven't gone over the 93 days". The answer was "We don't, we just do it on trust"
One thing to remember, most companies offer a discount for doing it online. But, as I said, you need to ring and check motorcycle tours are covered. Tell them on the phone that you have done an internet quote and you want that discount, they will probably give it to you, if they don't go online and do it. Can be 5-10% discount.
One word of warning, if you take out a single trip policy for a trip in, lets say 12th-20th August. The cover will start on the day you take out the policy. So if for whatever reason you had to cancel on 16th July no problem.
If, however, you took a muilt trip policy with you first trip being 12th-20th August and you commenced the policy on 12th August. If you needed to cancel on the 16th July YOU WILL NOT BE COVERED. start the policy sooner than the start date of you first trip.
Hope this helps
(and sorry 'top dog insurance', i'm sure your a mighty fine company ) |
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GSEX-SLAPPY Guest
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Posted: Sat Jun 14, 2008 8:02 am Post subject: |
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a good write up mouse ...well done my good buddy |
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V MotoGP Racer
Joined: 05 Aug 2007 Posts: 5356 Location: Reigate
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Posted: Sat Jun 14, 2008 9:42 am Post subject: |
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Thanks for that, will need to get soon so that will be big help _________________
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Tango Sicknote - The Prophet Of Doom
Joined: 30 Dec 2005 Posts: 5854 Location: Looking for a + 10 @ Rising :-0
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Posted: Sat Jun 14, 2008 10:26 am Post subject: |
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Miss V wrote: | Thanks for that, will need to get soon so that will be big help |
Wot I was thinking two ...thx mouse _________________
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lost again Dancing tree frog!
Joined: 11 Mar 2005 Posts: 2861
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Posted: Sat Jun 14, 2008 7:03 pm Post subject: |
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top job mate |
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The Mouse Forum Ferry Spotter
Joined: 04 Dec 2006 Posts: 4904
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Posted: Sat Jun 14, 2008 11:14 pm Post subject: |
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One thing I forgot to say.
With credit card travel insurance more often than not it’s only travel accident insurance, which only covers accidents had while in a train, plane or hire car PAID FOR ON THE CARD, so never think this means you're covered on your bike.
Some cards or bank accounts do genuinely offer free travel insurance, though the cover is normally the bare minimum. And usually you must pay the cost of the holiday on the card or it won't cover you. ALWAYS CHECK THE SMALL PRINT, OR GIVE THEM A CALL.
Basically be wary of 'free' bank or card travel insurance. |
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Tusky Pie Dipper
Joined: 12 May 2005 Posts: 11549
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Posted: Sun Jun 15, 2008 7:55 am Post subject: |
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Yup nice write up Martyn
In my vast experience of skiing mishaps hospitals prefer to have the EHIC in the first instance.... little luxuries like helicopter rides come out of your insurance but they will try and stick it on your credit card when you land. Last time I needed one, it cost £1500.00 but I got it back from the insurance company in 5 working days.
I use year long winter travel insurance to cover me for biking trips in the summer as it is geared up to equipment losses etc.
Switzerland also has an EHIC agreement with the UK, even though they are not EEC members. _________________ Boxhill Chippendales
All characters appearing in this post are fictitious. Any resemblance to real persons, living or dead, is purely coincidental. |
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redrat Dirty old man
Joined: 18 Mar 2007 Posts: 578 Location: Frimley, Surrey
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Posted: Tue Jun 17, 2008 1:38 pm Post subject: |
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Thanks Mouse - checked my small print in my Alliance & Leicester FREE Annual Travel Insurance to read under Hazardous Activities that riding a motorcycle up to 125cc was covered !! SO I RANG CUSTOMER SERVICES TO BE TOLD THIS WAS FOR BIKE HIRE. Thankfully it was confirmed riding MY motorcycle with relevant licence was covered. Just pays to confirm by telephone for peace of mind Sadly, the older you get the more it costs so the American Express quote for me alone was £80 - so you got a bargain |
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GT Expert CnutCnut
Joined: 15 Jun 2006 Posts: 5099 Location: Probably in ya mirror if you bothered to look!
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Posted: Tue Jun 17, 2008 4:54 pm Post subject: |
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redrat wrote: | Thanks Mouse - checked my small print in my Alliance & Leicester FREE Annual Travel Insurance to read under Hazardous Activities that riding a motorcycle up to 125cc was covered !! SO I RANG CUSTOMER SERVICES TO BE TOLD THIS WAS FOR BIKE HIRE. Thankfully it was confirmed riding MY motorcycle with relevant licence was covered. Just pays to confirm by telephone for peace of mind Sadly, the older you get the more it costs so the American Express quote for me alone was £80 - so you got a bargain | _________________ Speed Limits are Minimums and remember Opinions are like arseholes, everyone has one
(\__/)
(='.'=) |
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The Mouse Forum Ferry Spotter
Joined: 04 Dec 2006 Posts: 4904
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Posted: Tue Jun 17, 2008 5:20 pm Post subject: |
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redrat wrote: | American Express quote for me alone was £80 |
Ouch |
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redrat Dirty old man
Joined: 18 Mar 2007 Posts: 578 Location: Frimley, Surrey
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Posted: Tue Jun 17, 2008 7:50 pm Post subject: |
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That's OK as I understand pension contributions go in the front door and out the back - exactly where I park my bike |
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GT Expert CnutCnut
Joined: 15 Jun 2006 Posts: 5099 Location: Probably in ya mirror if you bothered to look!
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Posted: Tue Jun 17, 2008 9:13 pm Post subject: |
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redrat wrote: | That's OK as I understand pension contributions go in the front door and out the back - exactly where I park my bike | Nice to see my contribution is giving you such enjoyment!! _________________ Speed Limits are Minimums and remember Opinions are like arseholes, everyone has one
(\__/)
(='.'=) |
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Athos MotoGP Racer
Joined: 31 Oct 2004 Posts: 6038 Location: climbing out of a big black hole
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Posted: Tue Jun 17, 2008 9:35 pm Post subject: |
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matttherat wrote: | redrat wrote: | That's OK as I understand pension contributions go in the front door and out the back - exactly where I park my bike | Nice to see my contribution is giving you such enjoyment!! | don't forget he's given you the best part of 50 years fathering you _________________ |
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biggus illitterātus
Joined: 21 Aug 2004 Posts: 31748 Location: Hotel California
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Posted: Wed Sep 29, 2010 10:12 am Post subject: |
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Another vote for Amex insurance here _________________
www.bigguspicus.co.uk
There are 10 types of people in the world: those who understand Binary and those who don't
There are II types of people in the world: those who understand Roman numerals and those who don't.
98% of all Harleys ever sold are still on the road. The other 2% made it home |
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Taz MotoGP Racer
Joined: 13 Apr 2009 Posts: 3995 Location: As far away from reality as possible
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Posted: Wed Sep 29, 2010 12:22 pm Post subject: |
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+1 _________________ "Deja Moo" the feeling you have heard this Bullshit before |
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Tusky Pie Dipper
Joined: 12 May 2005 Posts: 11549
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Posted: Sat Jan 22, 2011 9:52 am Post subject: |
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Is the general consencesus still AMEX and Post Office for Yearly Europe travel + Motorbike over 125cc + Skiing? _________________ Boxhill Chippendales
All characters appearing in this post are fictitious. Any resemblance to real persons, living or dead, is purely coincidental. |
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The Mouse Forum Ferry Spotter
Joined: 04 Dec 2006 Posts: 4904
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Posted: Sun Jan 23, 2011 11:46 pm Post subject: |
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Tusky wrote: | Is the general consencesus still AMEX and Post Office for Yearly Europe travel + Motorbike over 125cc + Skiing? |
TBH, dunno, i've stayed with AMEX for a while now. Good cover at good prices. BUT, i've been very lucky and i've never had to claim. That's the only time you will truly know how good a company is.
I've noticed that when collecting insurance details for people going on my trips that the Post Office is definately the second favorite choice, AMEX being the first.
I don't think you will go far wrong with either of them |
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Tusky Pie Dipper
Joined: 12 May 2005 Posts: 11549
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Posted: Sun Jan 23, 2011 11:51 pm Post subject: |
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The Mouse wrote: | Tusky wrote: | Is the general consencesus still AMEX and Post Office for Yearly Europe travel + Motorbike over 125cc + Skiing? |
TBH, dunno, i've stayed with AMEX for a while now. Good cover at good prices. BUT, i've been very lucky and i've never had to claim. That's the only time you will truly know how good a company is.
I've noticed that when collecting insurance details for people going on my trips that the Post Office is definately the second favorite choice, AMEX being the first.
I don't think you will go far wrong with either of them |
Aye.... and thanks
Time to check the small print I think _________________ Boxhill Chippendales
All characters appearing in this post are fictitious. Any resemblance to real persons, living or dead, is purely coincidental. |
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moriwaki Fleetwood Mac
Joined: 20 Jan 2007 Posts: 4076 Location: Stuck in the middle.
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Posted: Sat May 12, 2012 9:57 pm Post subject: |
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**BUMP**
Sorted out my travel insurance for my trip in September. Worldwide cover, exc USA & Canada, with Morocco as main destination and additional premium for motorcycle adventure travel . Cost....£66 for the 'Super' cover. Happy with that as another quote came in at £240 !
http://www.worldwideinsure.com/
Having trouble with European breakdown cover though. Most cover bikes up to 10/12 years old......mine's 22 !!!
Any suggestions greatly received. _________________ Just call me Waki. |
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Tusky Pie Dipper
Joined: 12 May 2005 Posts: 11549
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Posted: Sun May 13, 2012 6:09 pm Post subject: |
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moriwaki wrote: | **BUMP**
Sorted out my travel insurance for my trip in September. Worldwide cover, exc USA & Canada, with Morocco as main destination and additional premium for motorcycle adventure travel . Cost....£66 for the 'Super' cover. Happy with that as another quote came in at £240 !
http://www.worldwideinsure.com/
Having trouble with European breakdown cover though. Most cover bikes up to 10/12 years old......mine's 22 !!!
Any suggestions greatly received. |
Good job it is bike breakdown cover of 22 yrs for the bike, I would hate to think what Moriwaki breakdown cover would be given your age
Thanks for the heads up.... Great VFM _________________ Boxhill Chippendales
All characters appearing in this post are fictitious. Any resemblance to real persons, living or dead, is purely coincidental. |
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moriwaki Fleetwood Mac
Joined: 20 Jan 2007 Posts: 4076 Location: Stuck in the middle.
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Posted: Wed May 16, 2012 7:37 pm Post subject: |
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Still searching for european breakdown cover for the KLR. Best to date is £82....and that still won't cover me in Morocco. . It's an age thing....bike not me ! _________________ Just call me Waki. |
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biggus illitterātus
Joined: 21 Aug 2004 Posts: 31748 Location: Hotel California
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Posted: Mon May 21, 2012 4:03 pm Post subject: |
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moriwaki wrote: | Still searching for european breakdown cover for the KLR. Best to date is £82....and that still won't cover me in Morocco. . It's an age thing....bike not me ! |
The age limit I thought just meant an increased excess? Not sure about cover for Morrocco though _________________
www.bigguspicus.co.uk
There are 10 types of people in the world: those who understand Binary and those who don't
There are II types of people in the world: those who understand Roman numerals and those who don't.
98% of all Harleys ever sold are still on the road. The other 2% made it home |
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Taz MotoGP Racer
Joined: 13 Apr 2009 Posts: 3995 Location: As far away from reality as possible
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Posted: Mon May 21, 2012 5:59 pm Post subject: |
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moriwaki wrote: | Still searching for european breakdown cover for the KLR. Best to date is £82....and that still won't cover me in Morocco. . It's an age thing....bike not me ! |
Just went to France 3 days cover with Aviva was £17 _________________ "Deja Moo" the feeling you have heard this Bullshit before |
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moriwaki Fleetwood Mac
Joined: 20 Jan 2007 Posts: 4076 Location: Stuck in the middle.
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Posted: Mon May 21, 2012 7:14 pm Post subject: |
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biggus wrote: | The age limit I thought just meant an increased excess? Not sure about cover for Morrocco though |
Most of the companies i tried for breakdown cover had a cut off age limit of between 10 to 12 years.
Taz wrote: | Just went to France 3 days cover with Aviva was £17 |
I'll spend, each way, 12 hours in France and 2 days driving through Spain....perhaps i should take out two 3-day policies. _________________ Just call me Waki.
Last edited by moriwaki on Mon May 21, 2012 7:19 pm; edited 1 time in total |
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wivvy's dad Cabbage club member #3
Joined: 13 Apr 2005 Posts: 14655
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Posted: Mon May 21, 2012 7:15 pm Post subject: |
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moriwaki wrote: | Still searching for european breakdown cover for the KLR. Best to date is £82....and that still won't cover me in Morocco. . It's an age thing....bike not me ! |
Have you tried ADAC, the German company.
Ring Barbara Lorenz on 0049 941 55673.
She speaks perfect English and is a pleasure to deal with. She'll be happy to help with any queries.
Last edited by wivvy's dad on Mon May 21, 2012 7:30 pm; edited 1 time in total |
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