Buy today for your chance to win $500 daily dollars! T&Cs apply


Motorcycle Tour travel Insurance

Ready for a motorcycle tour? Read these fast facts:

  • Figures in 2017 show that roughly 20 per cent of the total road fatalities were on motorcycles or scooters. 
  • Head trauma, road rash, muscle damage and biker’s arm are some of the most common motorbike and scooter injuries.
  • Many insured travellers are not entirely sure if they are fully covered by insurance on a motorcycle/moped/scooter.
  • Research shows that the Dominican Republic is one of the most dangerous places to drive a scooter, with Thailand a close second.
  • Motorcycle and scooter crashes represent almost 70% of all road deaths in Cambodia.

Keep reading to find out what travel insurance can help you with if you’re planning to go on a motorcycle tour this holiday. 

What do we cover if you're going on a motorcycle tour?

If you find yourself in trouble on a two-wheeler, we might be able to help. For all policies, (except Domestic and domestic frequent traveller policies), we provide emergency medical assistance and hospital expenses, and medical evacuation. 

Riding a motorcycle is covered on all of 1Cover's travel insurance policies if: 

  • You're the driver and you hold a current, valid New Zealand motorcycle license (engine capacity greater than 50cc); or 
  • You're the passenger on a moped, scooter or motorcycle and the person driving has a valid license for the country you're in and
  • You're wearing a helmet in line with local laws/requirements.

Additionally, for most policies (except Domestic policies), we provide medical and hospital assistance, and medical evacuation (if it's deemed necessary). 


what don't We Cover If you're going on a motorcycle tour?

You won’t be covered for anything arising from your motorcycle tour if:

  • You’re under the influence of any intoxicating liquor or drugs (except a prescribed drug)
  • You’re part of a competition or participating in a professional motorcycle tour (not recreational)
  • You don’t follow instructions and/or wear the appropriate safety gear
  • You are in breach of your vehicle rental agreement
  • You have a pre-existing medical condition that affects your motorcycle riding and you never told us about it


The one thing to remember on a motorcycle tour

By Award Winning Travel Writer Ben Groundwater

You’ll have plenty of goals when it comes to taking a motorcycle tour, to climbing aboard a trusty motorised steed and doing the long distances, to spending weeks or even months on the road. 

You’ll want to ride good roads, naturally. You’ll want a journey with plenty of corners, roadways that are smooth and comfortable, surrounded by spectacular scenery, with good places to stop. You’ll want to be touring somewhere interesting, maybe a foreign country, maybe your own – but somewhere worth exploring, where the fascination remains whether you’re on the bike or off it.

You’ll probably want good people to do your touring with too, either someone riding pillion or on a bike behind you, and people to share the thrill and the adventure.

Mostly though, you’ll want this: to come home safely. To have an incident-free journey. That’s the thing to remember before you set out on a multi-day motor-biking trip. You want to make it out unscathed. 

That means taking precautions. It means ensuring you have the skills and experience for the ride. It means having the right safety equipment. It means making sure your bike is up to the task. It means knowing the roads and knowing where you’re going on them. It means riding within yourself, not taking unnecessary risks, making plenty of stops to rest and enjoy the scenery.

Take care of all of those things and the world of motorcycle touring opens up to you. You’re ready to ride through the madness of Vietnam. You’re ready to tackle a classic motorbike ride like the Trollstigen in Norway, or the Great Ocean Road in Australia, or the Caracoles Pass in Chile. You’re ready to hit the open road without a care in the world. And that’s what it should be about.

DISCLAIMER: The views stated are the views of the author only, are written for entertainment purposes, and are not intended as advice in regards to insurance or otherwise.

Stay safe: Motorcycle tour Top tips 

  • Dress Appropriately

    Stylish clothing feels good, but it's most important to wear clothing that will protect you from flying bugs, the wind, debris and dreaded road rash if you get into an accident. And while black is fashionable, it’s generally better to have reflective stripes and brighter clothing to make sure everybody will see you riding on the road.

  • Preparation is key

    Before you ride off into the sunset, make sure you double check your motorcycle thoroughly. This includes your signals, lights and horns, tires, brakes, etc. are working as they should be.

  • Go slow 

    Remember, the faster you’re going, the longer it will take you to stop. Be aware of local traffic laws and road rules, and never go above the speed limit.

  • Road surface conditions can be sub-standard

    Whilst the main danger might seem like the other vehicles on the road, a high percentage of accidents are caused by poor road surface conditions. Keep an eye on the roads, and keep your speed down to minimise this risk. 

  • Don't drink and drive

    It's simple, if you've been drinking alcohol, your travel insurance will be invalid.

  • Educate your passenger. 

    It’s important that you as the driver knows what you’re doing, but your passenger should also be aware of the road rules, and should definitely not bother you while you’re driving. 

Motorcycle Tour FAQs

  • Will I be covered if I ride a scooter, moped or motorcycle while overseas? 
  • If you are in control of a motorcycle or scooter with an engine capacity greater than 50cc, you need to hold a current, valid New Zealand motorcycle license.

    You also need to be aware that cover will not be provided to you if you are a passenger on a moped, scooter or motorcycle, and the person in control does not have a valid license for the country you are in. 

    Please note that it's compulsory to wear a helmet while riding a motorbike or scooter in many countries. But regardless of local requirements, 1Cover advises you to wear a motorcycle helmet whenever you are a rider or passenger on a scooter or motorbike. 

  • Am I covered for personal liability while on a motorcycle?
  • We don't offer personal liability cover whilst you are in ownership or in control of a motor vehicle, motorbike or scooter, and we don’t replace any aspect of car insurance.

    However, we offer personal liability in regards to legal liability for payment of compensation in respect of death or bodily injury, and/or physical loss of, or damage to property. This benefit only applies when you are not in control of a motorised vehicle. 

  • How much am I covered for if something happens to me while I’m on a motorcycle?
  • Provided you are within the parameters stated in the Policy Wording, and you don’t have a Domestic or Frequent Traveller Domestic policy, then the benefit we offer is unlimited.Terms and conditions apply. (Please note: we do not cover for Search and Rescue). 

  • Will I be covered if My rented motorcycle is damaged or stolen?
  • You would need to have insurance with your rental provider, as we do not provide direct cover for your vehicle, we just provide cover for medical costs if you are in an accident.Check the Policy Wording for details. 

  • Are scooters, mopeds or motorcycles covered for rental vehicle excess?
  • Rental vehicle excess cover is not applicable to scooters and motorcycles. 

  • What if i need medical assistance?
  • In an emergency, get yourself to hospital. As soon as it is possible, we advise that you or a member of your travelling party call our medical assistance team who will be able to liaise with you or the hospital. 


This page was last updated on: 7th February 2020, 15:38

Find out More about...

Activities We cover

We cover 100+ activities. Find out all information you need about what’s covered and what’s not before you go adventuring. 

 Popular countries for motorcycling

Norway, the US, Italy...these are just some popular countries for motorcyclists. Find out more about travel insurance for these destinations.

Medical Questions

Have a pre-existing medical condition that might affect your motorcycling? Pregnant? Or want to know about repatriation? Find out everything you need to know here.