Michael Simms, Registered Nurse

Planning an adventure holiday? Like the feel of the wind at your back? Or are you looking for a cheap easy way to get about?

Renting a moped, scooter or motorbike to take in the sights of overseas countries sounds like a lot of fun and for many travellers it is. But for some, this is the where their holiday can become a nightmare.

Check out our add-on protection for motorcycle/moped riding if you plan on riding a motorcylce or moped while on holidays.

Motorcycles and mopeds can be enjoyable on the road, but they also carry a significant risk of injury. Inexperienced riders are a major cause of motorcycle accidents. Lack of experience, risk taking behaviour and unfamiliarity with local conditions play a large part as contributing factors when it comes to accidents and injuries sustained by many travellers.

motorcycle riding

It can be easy to rent a scooter or motorbike in many Southeast Asian countries. There are many less than reputable hire companies who will happily rent you a bike. With little more than a cursory glance at some ID - sign some paperwork and in return you receive the keys, a helmet, and a friendly wave good bye as you set off down the road. What many do not count on are the thousands of other riders sharing the same space, poor road conditions and the lack of any real obvious traffic laws or road rules. For many locals, stop signs, traffic lights and indicators are little more than decorative distractions that are often ignored. In Bali alone, there are estimated to be up to three road deaths per day - usually related to motorbike or scooter accidents.  In Thailand the figures are alarmingly high, with an average on 80 deaths per day of which 74% of these related to motorbikes. Too often we end up dealing with many claims related to these types of scenarios.

If you are lucky you may just end up with a minor injury or scrape. If you are not so lucky, you can wind up sustaining serious debilitating or life threatening injuries. Unfortunately, the latter is an all too common statistic we deal with in many overseas countries. Countries like Thailand, Indonesia or Vietnam are NOT places to decide that you want to start learning to ride. Even experienced riders take to the roads in these places with a healthy degree of trepidation.

southeast asia

The most common serious injuries are head, orthopaedic (bones) and spinal injuries. A helmet will offer a degree of protection but is merely a cushion at best. In high impact accidents, brain injuries are caused by rapid deceleration of the head causing the brain to violently smash into the inside of the skull.  For those that survive, it may be a simple concussion but at the high end of the injury spectrum, it can cause permanent loss of cognitive functions. Orthopaedic injuries include fractures of the limbs and pelvis, many of which need immediate operative management far away from your home. Spinal and neck injuries can cause permanent paralysis - a devastating outcome for both you and your loved ones. Please consider wearing all of the proper protective gear/body armor when you choose to ride.

Lesser but still potentially significant injuries can include internal injuries and bleeding (most commonly from striking the handlebars or whatever other objects you might hit), groin injuries (striking the petrol tank) and eye injuries from foreign bodies such as stones or insects (use your visor or wear sunglasses).

motorcycle riding in asia

What if I’ve paid for my moped/motorcycle travel insurance?  

Make sure you have taken out the appropriate policy and have included moped/motorcycle cover. This is an additional option on your policy and certain conditions need to be met. Learn more about our motorcycle and moped add-on protection here

To be protected whilst travelling – whether as a driver or passenger on a moped or motorcycle – you’ll need to choose this additional cover and pay the extra premium. 

With Cover-More policies, the add-on cover is only in force if:

  • Whilst in control of a motorcycle or moped you hold a valid Australian motorcycle licence or Australian motor vehicle driver licence;
  • You hold a licence valid in the relevant country;
  • Whilst you are a pillion passenger, the driver holds a licence valid in the relevant country;
  • The engine capacity is 200cc or less;
  • You are wearing a helmet;
  • You are not participating in a professional capacity; and
  • You are not racing.

Please keep in mind that no cover will apply for personal liability. This means you are responsible to pay costs associated with damage to the motorcycle, moped or property or injury to another person.

For further reading, I recommend checking out the following:

 

Michael Simms is a Registered Nurse who combines his passion for helping people with his love of travel as part of his role at Cover-More. From time to time you'll find Michael jetting off anywhere in the world to rescue a customer of ours and bring them home safely. This self-confessed travel junkie considers his job to be the best in the world.