Whether you’re winding your way around the Amalfi Coast or cruising along the coastal highways of Hawaii, mopeds and motorbikes are a popular way to get around overseas. Exploring your destination on two wheels can be an exhilarating experience for even the most adventurous of travellers. That’s why we give you the option to add moped and motorbike cover to your TravelCare policy for an additional premium.

Unfortunately, we see a lot of claims from travellers who’ve had moped or motorbike accidents on holiday. The good news is, you can add moped and motorbike cover to your TravelCare policy if you plan to ride overseas, whether as a driver or passenger. If you don’t add this option to your TravelCare policy, we won’t be able to cover your medical costs if you do suffer an injury whilst riding.

What we cover

If you add moped and motorbike cover when you apply for your policy, you’ll be able to travel with confidence knowing you’re protected if the unexpected happens overseas and you need to make a claim.

If you get injured because of an unexpected event while riding a moped or motorbike (as a driver or passenger), you’ll be covered under the medical and evacuation/personal accident sections of your TravelCare policy, so long as you follow the terms of your cover (which we’ll outline below).

If the moped or motorbike that you’ve hired gets damaged because of an unexpected event, you’ll also be covered under the rental vehicle excess section of your TravelCare policy.

Our award-winning TravelCare policy also includes cover for:

Riding through the mountains on a motorbike

How you’re covered

Of course, your insurance depends on a few terms and conditions. If you add moped and motorbike cover to your TravelCare policy during the application process, and this is confirmed on your Certificate of Insurance, you’ll need to follow a few simple rules to ensure you’re covered.

Conditions of cover

You’re covered (as a driver or passenger) if:

  • You are wearing a helmet on your head
  • The driver has a valid driver’s license as required by their home country
  • The driver has a valid driver’s license as required by the country you’re visiting for the same class of moped or motorbike being ridden

You’re not covered (as a driver or passenger) if:

  • The vehicle’s engine is more than 200cc
  • You’re riding in a professional capacity
  • You’re under the influence of alcohol or drugs
  • You intentionally or recklessly place yourself in circumstances or undertake activities which pose a threat to your personal safety
  • You’re racing, including against time or in an event
  • You are participating in a competition which involves monetary prizes
  • You or the driver break any laws or highway rules

The only exception to the above is that you would be covered for funeral expenses/return of mortal remains if you’re in a fatal accident overseas.

What we can’t cover

If you have added moped and motorbike cover to your TravelCare policy, there are still a couple of things we’re unable to cover you for:

  • Cancelling or changing your journey before you leave
  • Personal liability

Riding along the Big Sur on a motorbike

Rental vehicle excess

If you’re planning to rent a moped or motorbike overseas, it’s a good idea to protect yourself with comprehensive travel insurance that includes cover for rental vehicle excess. While your rental agreement may outline some public liability insurance, it’s likely you’ll still be required to pay an excess if the vehicle is damaged or stolen. At SCTI, our TravelCare policy includes rental vehicle excess cover of up to $5,000 per journey.

If you plan to ride a motorbike or moped overseas, you’ll only be covered under the rental vehicle excess benefit if you have added moped and motorbike cover to your TravelCare policy during the application process, and had this confirmed on your Certificate of Insurance.

If you borrow a vehicle from a friend or family member, it’s important to know that it won’t be classed as a rental vehicle and you won’t be covered under your TravelCare policy for it.

How you’re covered

You’re covered if:

  • You have hired the vehicle from a licensed rental agency
  • You’re driving on formed or paved roads and carparks

You’re not covered if:

  • You’ve breached the terms of your rental vehicle agreement
  • You or the driver break any laws or highway rules
  • Loss or damage occurs whilst the vehicle is being ridden by someone who isn’t covered on the policy
  • Loss or damage occurs whilst the vehicle is being ridden by someone who isn’t a named driver on your rental agreement
  • You cause injury to a person, or loss or damage to someone else’s property

Scooter parked in a village

How to add moped and motorbike cover

Adding moped and motorbike cover to your TravelCare policy is easy:

  • Simply select ‘moped and motorbike cover’ and add this option to your quote during the online application process.
  • We’ll show you the cost of adding this option, as well as the total cost for your TravelCare policy (including any other options you’ve selected).
  • You then have the choice of whether you wish to accept the conditions and purchase the TravelCare policy.

Moped and motorbike safety tips

Road accidents can be a common cause of injury for overseas travellers, especially in places like Thailand and Indonesia.

However, if you follow local driving laws, stick to your abilities and protect yourself with travel insurance, you give yourself the best chance to stay safe. When riding a moped or motorbike overseas, remember to:

  • Only rent from a reputable, licensed agency
  • Always inspect the quality of the vehicle, taking photos of any existing damage
  • Never leave the vehicle unattended without locking it securely
  • Always wear a helmet on your head (regardless of whether this is a local law), adequate protection on your body and enclosed footwear

If you do suffer an injury, you or someone acting on your behalf should call us right away. You can reach our Emergency Assistance Team on +61 2 9191 1180 hours a day, 7 days a week.

Terms and conditions, exclusions and sub-limits apply. Please read the Combined FSG and PDS for more information. 

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TravelCare is issued by Southern Cross Benefits Limited ABN 99 133 401 939, AFS License 331058 trading as Southern Cross Travel Insurance ®. We are a signatory to the General Insurance Code of Practice and the Financial Ombudsmen Service (FOS) Australia.

As an Australian financial services licensee (AFSL), SCTI is authorised to deal in, and provide, general advice on travel insurance products. As we are unaware of your specific needs, financial objectives, and circumstances, we highly recommend you take time to read the Combined FSG and PDS before buying this product, to ensure that our travel insurance product is right for you.

Our Combined FSG and PDS (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

Copyright © 2018 Southern Cross Benefits Limited