Why pack our moped and motorcycle travel insurance cover?
We’re all for discovering new destinations on two wheels – whether you’re the driver or passenger. Our motorcycle and moped cover can help you ride more, see more, and do more – safely.
It’s flexible
You can choose one of our two Motorcycle/Moped Riding Cover levels to find the one that suits your trip and skill levels.
It’s supportive
You get overseas medical cover for broken bones and more, so you can focus on getting better – not on paying all the bills.
It’s dependable
You get access to emergency assistance at any time, from anywhere – from people who care.
It’s useful
You can get luggage cover for the stuff you pack, like your beloved leather jackets and pants, sunnies, and more.
It’s flexible
You can choose one of our two Motorcycle/Moped Riding Cover levels to find the one that suits your trip and skill levels.
It’s supportive
You get overseas medical cover for broken bones and more, so you can focus on getting better – not on paying all the bills.
It’s dependable
You get access to emergency assistance at any time, from anywhere – from people who care.
It’s useful
You can get luggage cover for the stuff you pack, like your beloved leather jackets and pants, sunnies, and more.
What you get with our travel insurance for motorcycle trips
We know you love the freedom of exploring on two wheels. That’s why we have two moped and motorcycle travel insurance cover options to help you hit the road with the cover you need.
We also cover what we say we will. So, before you hit ‘buy’, have a quick look at the tables below to see what’s covered, what’s not, and the cover limits for our two levels of Motorcycle/Moped Cover. Because if it’s not covered by your policy, we won’t be able to pay the bill.
You should also check the Product Disclosure Statement (PDS) – it’s the source of truth when it comes to limits, exclusions and conditions. Yes, it sounds a bit dull, but it’s got all the bits you need to know to help you choose the right level of travel insurance with motorcycle cover for you.
Uncover more about our motorcycle and moped travel insurance cover
Our two cents? Obey the road rules. Stop and smell the roses (AKA take in the view). And get to know our cover before you buy.
Whether you call it a motorbike or a motorcycle – or a moped or a scooter – if you’re riding on two wheels on holiday, it’s smart to protect yourself against any bumps in the road. Travel insurance for motorcycle trips can provide cover for unexpected expenses that happen while you’re riding, such as overseas medical costs and extra costs related to an accident, such as additional nights of accommodation.
Cruising around on two wheels is FUN, but it’s also a fairly risky activity. Add unfamiliar roads and different road rules to the mix and you could say it becomes a super risky activity. Getting cover can help you worry less about the unknown – and get you access to help when you need it.
Don’t assume the cover is automatically included, though. It’s actually unusual to find a travel insurance policy that covers motorbike or moped riding automatically; you’ll likely need to opt to include motorcycle or moped travel insurance cover and pay an extra premium to include it in your policy.
That’s how we do it at Cover-More: we have two levels of motorcycle travel insurance cover for you to choose from depending on your riding style.
We know you likely find zipping around on two weeks exhilarating, but there’s no denying it – with speed comes risk. Given it’s smart to consider travel insurance for relaxing beach holidays, you could consider it genius to get travel insurance for fast-paced motorcycling or moped getaways.
We want you to go have fun, but we want you to come home safely more. If you pack the right cover for you, you won’t have to navigate stressful – and possibly expensive – situations on your own.
Absolutely! We have two levels of cover to choose from, so you can pick the best option for your travel plans and skill level. (Because let’s be honest: not many of us can match Casey Stoner on the bitumen.)
So, if your idea of a good time is (safely) hopping on a motorbike in Vietnam or riding a moped in Bali, you can include one of these options in your policy for an additional premium:
- Motorcycle/Moped Riding: for engine capacity 250cc or less
- Motorcycle/Moped Riding+: unlimited engine capacity (but conditions do apply).
Always read the PDS before you buy – it’s got all the cover conditions that help you understand if either of our cover options are right for your holiday.
Good to know: Even if you’re only riding as a passenger, you should still consider getting cover. If you’re travelling with us, you’ll need to include it in your policy for cover to apply. If you don’t have it, you won’t be covered if something happens while you’re riding as a passenger. So, think about packing our Motorcycle/Moped Riding Cover – both of our cover levels are designed for drivers and passengers, and can help to cover the unexpected when you need it most.
We’ve got two levels of motorcycle and moped travel insurance cover for you to choose from. You should know what type of motorcycle or moped you’ll be riding on holiday and how powerful it is, so all you have to do is pick the best cover option for you.
You can choose either:
- Motorcycle/Moped Riding: for engine capacity 250cc or less
- Motorcycle/Moped Riding+: unlimited engine capacity (but conditions do apply).
Skip over to the PDS for more details – it’s got all the important cover conditions to help you choose.
Good to know: You can include either cover options in any of our international or domestic policies. This means you can worry less and cruise more whether you’re riding across Asia or across state lines. Coming to Australia on holiday? Non-Australian residents visiting Down Under can include it in our inbound policy too.
It’s easy as putting down your kickstand…
First, find the quote button on this page. Hit it, and then tell us your destination, dates of travel, and the details of any other travellers you want to include in your policy.
Next, select the travel insurance plan that suits your holiday – Basic, Comprehensive, or Comprehensive+. We’ve got three options so you can choose how much coverage you want and how much you want to spend. If you’re unsure which plan is right for you, you can compare our travel insurance plans here.
Once you’ve selected the plan you want, we’ll ask you some questions to help you customise your cover to your trip plans. This is where you can add our Motorcycle/Moped Riding Cover to your policy.
When we ask if you’ll be riding a motorcycle or moped as the driver or passenger, select ‘Yes’. Then, choose the cover option you want to include the cover for an additional premium:
- Motorcycle/Moped Riding: for engine capacity 250cc or less
- Motorcycle/Moped Riding+: unlimited engine capacity (but conditions do apply).
Ready to protect your two-wheel trip? Get a quote online now.
True travel claims stories: the motorcycle edition
Moped and motorcycles are a fun, sometimes easier way to get around on holiday. One of our travellers rented a scooter in Indonesia so they could explore on two wheels. Annoyingly, they came across some loose gravel when making a left corner turn, and their bike slipped out from under them. With grazes down the left side of their body, they needed medical help. Thankfully, their Motorcycle/Moped Riding Cover meant we could help cover the unexpected bills of $850, so they could focus on healing their wounds, resting, and then getting home safely.
Want more care with your cover? We’re here for our global travellers
~300,000
The number of assistance calls we get each year from travellers who are in a pickle and need help.
~50,000
The number of assistance cases we handle each year (AKA travellers who need medical, safety or travel help).
~1,400
The number of medical evacuations and repatriations we help make happen each year for our travellers in need.
85,000+
The number of brilliant hospitals, doctors in our global network who help and support you overseas.
This is how our global Cover-More assistance team (also known as World Travel Protection) supported travellers across all our Zurich Cover-More brands and other third-party businesses in 2024 from our dedicated emergency travel assistance Command Centres located in Brisbane (Australia), Toronto (Canada) and London (UK). Want the global actuals for our 2024 assistance stats? They are: 294,491 assistance calls, 47,395 assistance cases, and 1,362 repatriations/evacuations.
Travel done your way
Why do millions of travellers choose our travel insurance?
Quality care, helpful cover, years of experience? Take your pick.
You can buy your cover, keep your policy in your pocket – and more. With access to top travel discounts, our AI itinerary planner, up-to-date safety advice, 24/7 assistance, local emergency numbers – even a hospital and pharmacy locator! – it’s an app that’s actually useful.
Planning your next riding adventure? Saddle up for our tips and trip ideas
Here’s some inspiration for your next exciting motorcycle holiday.
Licences are important for all kinds of drivers and riders. Find out if you’ll need this travel document while you’re away.
Read before driving overseas
Discover how to avoid the mistakes some travellers– including motorbike and moped riders – make on holiday.
Avoid these claims mistakes
Easily access to travel alerts, advice, your policy documents and 24/7 emergency assistance from the road.
Check out our appMoped and motorcycle travel insurance cover FAQs
Still curious about our cover? Let’s unpack your questions.
Our job isn’t to cover ourselves; it’s to cover you. So, before you buy our travel insurance and start exploring destinations by motorbike or moped, it’s important to know about our cover conditions. They exist to help keep you safe, because your safety is our priority.
If you choose our Motorcycle/Moped Riding option:
- The engine capacity must be 250cc or less
- You must have a valid Australian motorcycle rider’s licence or Australian motor vehicle driver’s licence while in control of a motorcycle or moped
If you’re a passenger, the driver must hold a valid licence that vehicle
- You MUST wear a helmet
- You can't be riding in a professional capacity
- You can’t be racing
- You can’t take part in motocross
If you choose our Motorcycle/Moped Riding+ option:
- The motorcycle/moped must be hired
- You must have held an Australian motorcycle rider’s licence for the last five years
- You must hold a valid Australian motorcycle rider’s licence while in control of the motorcycle or moped
- You must be the registered owner of a motorcycle in Australia that has an engine capacity greater than or equal to the engine capacity of the motorcycle/moped you are hiring
- If you are a passenger on a motorbike or moped, the driver must hold a valid license for riding that vehicle
- You MUST wear a helmet
- You can’t be participating in a professional capacity
- You can’t be racing
- You can’t be participating in motocross.
Check out the PDS for more information on limits, sub-limits, exclusions, and conditions of our motorcycle travel insurance, because we can’t cover absolutely everything.
Want to speak to our team about our moped and motorbike cover? Call us on 1300 72 88 22 during Australian business hours.
It does. If you add our one of our Motorcycle/Moped Riding Cover options to your policy and pay the additional premium, we include cover for the insurance excess.
What does this mean? If you rent a moped or motorcycle from a licensed motor vehicle company and you have to pay for the damage to or the theft of the vehicle rented, we can help. This is because the rental vehicle insurance excess cover included in our Driving Holidays cover includes motorcycles and mopeds in this circumstance. Great, huh?
Want more details? Take a look at the rental vehicle insurance excess insurance section of the PDS.
Unfortunately, no. Even if you’ve included either level of our Motorcycle/Moped Riding Cover in your Cover-More travel insurance policy, no cover will apply under the Personal Liability section of the PDS.
If you damage the motorcycle or moped you’re riding or someone else’s property (e.g. a parked car) or injure another person while you’re riding, we can’t cover the costs. Check out the PDS for more information.
Seriously? We think you already know the answer to that – no!
Just as drinking and driving isn’t allowed at home in Australia, the same rules apply when you’re overseas. Indulge your inner ‘Sober Steve’ or you could cause an accident that injures or kills yourself or someone else. It’s just not worth it.
Yes, holidays are often a time to relax and enjoy yourself with a few drinks, but cover won’t apply if you are injured in a motorcycle or moped accident because you’re under the influence of alcohol or drugs.
So, if you know you’ll be drinking, leave the motorbike or moped behind and get a taxi or public transport. You’ll have more fun, too.
Oh, and don’t forget to triple check the PDS for all the things we don’t cover or where limits, sub-limits, exclusions, and terms and conditions apply. This includes how alcohol can affect your cover.
Got more questions? Check out our
FAQs hub or call us on 1300 72 88 22.