Bike Tour Travel Insurance / Medical Cover

Anything to do with being out and about, whether on your own or looking to arrange trips and adventures with forum members
Alan PBTD
Posts: 270
Joined: Tue Jun 02, 2020 10:47 pm
Has thanked: 6 times
Been thanked: 209 times

Bike Tour Travel Insurance / Medical Cover

Post by Alan PBTD »

Hi All

Putting together a bit of a bucket list / road trip for next year in the USA on Harley's with Eagle Rider. Doing Salt Lake City / Denvor and everywhere in between with an idea of Pikes Peak Hill Climb to round it off. Need a bit of advice on a cuple of things. Had anyone done Pikes Peak ? Is the high altitude potentially risky or not to be too concerned about?

And at the same time need to have some decent medial cover - need to cover a few existing medical conditions / Diabeties / Blood pressure and Warfin for me and the missus and to cover riding the Harley as well. And I suppose enought $'s to cover if the worst happens.

People who do trackdays with us did something simular a few years ago but as they were serving South Wales Police they have cover from work

Any help would be appreciated

ta

Alan
User avatar
Dodgy69
Posts: 5504
Joined: Mon Mar 16, 2020 6:36 pm
Location: Shrewsbury
Has thanked: 1765 times
Been thanked: 2107 times

Re: Bike Tour Travel Insurance / Medical Cover

Post by Dodgy69 »

Yamaha rocket 3
User avatar
weeksy
Site Admin
Posts: 23484
Joined: Sat Mar 14, 2020 12:08 pm
Has thanked: 5467 times
Been thanked: 13165 times

Re: Bike Tour Travel Insurance / Medical Cover

Post by weeksy »

We use a company called Yellow Jersey, but honestly don't know if they cover motorbike stuff too.
Le_Fromage_Grande
Posts: 11243
Joined: Mon Mar 16, 2020 6:40 pm
Location: The road of many manky motorcycles
Has thanked: 609 times
Been thanked: 4133 times

Re: Bike Tour Travel Insurance / Medical Cover

Post by Le_Fromage_Grande »

I've ridden at over 10,000 feet, the bike will be fine if it's modern, you will feel a bit short of breath, but nothing to worry about.
User avatar
Rockburner
Posts: 4402
Joined: Sun Mar 15, 2020 11:06 am
Location: Hiding in your blind spot
Has thanked: 7852 times
Been thanked: 2554 times

Re: Bike Tour Travel Insurance / Medical Cover

Post by Rockburner »

InsureAndGo do specialist cover for bikes now.
non quod, sed quomodo
User avatar
Cousin Jack
Posts: 4495
Joined: Mon Mar 16, 2020 4:36 pm
Location: Down in the Duchy
Has thanked: 2574 times
Been thanked: 2305 times

Re: Bike Tour Travel Insurance / Medical Cover

Post by Cousin Jack »

I have done Pikes Peak in a car, some years ago now when the top 1/3 was still a dirt road. Not really scarey, good road but exposed, with massive drops and no guard rail. Main problem is cold, it was 80 degrees at the bottom and near freezing at the top.

The other problem is idiot drivers in autos, riding the brakes all the way down and boiling he fluid. They stop everyone and check wheels/brakes with a pyrometer and insist you wait for 15 mins. It is a pure coincidence that you have to stop right beside the gift shop.

Watch out for insurance, one of the big 'we cover all medical stuff'' companies has an exclusion on motorcycles burried in the small print. Ask specifically if they cover large motorcycles.
Cornish Tart #1

Remember An Gof!
User avatar
Rockburner
Posts: 4402
Joined: Sun Mar 15, 2020 11:06 am
Location: Hiding in your blind spot
Has thanked: 7852 times
Been thanked: 2554 times

Re: Bike Tour Travel Insurance / Medical Cover

Post by Rockburner »

Cousin Jack wrote: Tue Oct 29, 2024 8:46 am Watch out for insurance, one of the big 'we cover all medical stuff'' companies has an exclusion on motorcycles burried in the small print. Ask specifically if they cover large motorcycles.

Yep - most specifically exclude big bikes (even your own), so you need to check.
non quod, sed quomodo
User avatar
Cousin Jack
Posts: 4495
Joined: Mon Mar 16, 2020 4:36 pm
Location: Down in the Duchy
Has thanked: 2574 times
Been thanked: 2305 times

Re: Bike Tour Travel Insurance / Medical Cover

Post by Cousin Jack »

Rockburner wrote: Tue Oct 29, 2024 9:59 am
Cousin Jack wrote: Tue Oct 29, 2024 8:46 am Watch out for insurance, one of the big 'we cover all medical stuff'' companies has an exclusion on motorcycles burried in the small print. Ask specifically if they cover large motorcycles.

Yep - most specifically exclude big bikes (even your own), so you need to check.
Being a rate tart I shopped around to find the cheapest, and I almost got caught out. No mention of bikes in the short headline list of exclusions, it was burried on I think Page 48 of the 53 page Ts & Cs. They may have changed it now, I made a big fuss and threatened to report them to the Insurance watchdog. Can't actually remember which one it was.
Cornish Tart #1

Remember An Gof!
User avatar
Mr Moofo
Posts: 4649
Joined: Sat Mar 14, 2020 1:41 pm
Location: Brightonish
Has thanked: 1848 times
Been thanked: 1481 times

Re: Bike Tour Travel Insurance / Medical Cover

Post by Mr Moofo »

Yellow Jersey do cover motorcycle stuff - I have their worldwide cover. Many other travel insurance will only cover up to 125 cc. As I didn't strictly trust the info on the website - I rang them and they told me that I was covered
westers151
Posts: 491
Joined: Fri Aug 26, 2022 11:43 pm
Has thanked: 463 times
Been thanked: 238 times

Re: Bike Tour Travel Insurance / Medical Cover

Post by westers151 »

Also look at Carole Nash as they do bike specific insurance, but more importantly it looks like they will help you find cover that takes into account pre existing conditions. Most travel insurance will exclude pre existing conditions.

https://www.carolenash.com/other-insura ... -insurance
Alan PBTD
Posts: 270
Joined: Tue Jun 02, 2020 10:47 pm
Has thanked: 6 times
Been thanked: 209 times

Re: Bike Tour Travel Insurance / Medical Cover

Post by Alan PBTD »

Cheers All - will start getting quotes and see what figures the come up with

ta
Alan
User avatar
rodbargee
Posts: 1021
Joined: Sat Mar 14, 2020 1:30 pm
Location: N Yorks
Has thanked: 355 times
Been thanked: 980 times

Re: Bike Tour Travel Insurance / Medical Cover

Post by rodbargee »

Another for voyager I have a family annual policy( Voyager Plus package) includes motorbike touring. nb includes a notification for my wife's Parkinsons