R1200RS + R1250RS Forum
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Sat Apr 22, 2023 5:25 pm
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Read the Ride mag (May) interesting article on p20: Ask the lawyer - motorcycle TRAVEL inss. |
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I have moved the thread to "Europe" section. Spam goes here |
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Thank you Wessie, you are the font of all knowledge |
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I’m in correspondence with Navigator Insurance.
Carpe Diem!
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Re Tesco travel insurance: based on this post, I went on line to get a price and see the details of an annual basic policy with Tesco. There, on page 43 out of 52 was the 125cc limit for motorcycling. Please be warned. |
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Zitat von oldbikemart im Beitrag #6 I have just looked on the website. I see the policy wording changed last month. https://www.tescobank.com/travel-insurance/ - look under "help for existing customers" and you see a link for this PDF. It has 43 pages in total. I cannot see anything other than the usual clause to wear a helmet on p8 about activities included. https://forrit-one-tb-prod-p1-consumable...l-insurance.pdf @oldbikemart Can you give a link to the document you are referencing? The one with 52 pages. Spam goes here |
Zitat von Boxerboy im Beitrag #8 A few years ago I used to be insured with a Post Office-branded policy - it was very good, and especially helpful when I needed repatriating injured after an off in France. When I came to renew, I had to go elsewhere, as I found that dreaded 125cc limitation had been included as a general exclusion. Hopefully it wasn't all my fault!
KC100->CB100N->CB250RS--------->DL650AL2->R1200RS->R1250RS
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Zitat von Freddyfruitbat im Beitrag #9Zitat von Boxerboy im Beitrag #8 The Post Office was where I went for my first ventures into Europe. Like Tesco, it is just a branding wrapper for selling financial products. There has been a big shake up since we left the EU as many overseas underwriters withdrew from the UK travel market as they did not have a UK office to be compliant with the UK regulator, FCA. As the articles in various magazines by White Dalton have indicated, without the EU cross border arrangements in place now, anyone having an insurance claim against an EU resident faces additional complexities unless the EU insurer has a UK office you can deal with. Simple things like the EU insurer no longer having to write to you in English let alone the legal complexities. Sadly, it seems that UK underwriters don't seem to like motorcycles and the brokers I have suggested in this thread were, at the time of the recommendation, selling an Axa policy. Axa is French owned but remains trading in the UK as they have had offices here for decades, so remain FCA compliant. It looks like the Post Office switched from a German owned underwriter to a UK one, hence the change. As with any insurance, the T&C you are offered for renewal may not be the same as your current policy. Your broker might change the underwriter for a better deal or the underwriter might withdraw from the market. Then of course, an underwriter might change the policy wording, adding more things to the list of exclusions such as a sport, riding a motorcycle or your medical condition. As well as buying insurance for myself for over 40 years I have dealt with insurers for my father's and my sister's businesses, ageing parents and then as Executor when they have died. I have learnt to be very diligent when taking out or renewing any policy whatever it is covering. It's good that this sub-thread has progressed as it will serve as a reminder for everyone to check the wording of policies before going on a trip this year. Spam goes here |
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Hello Wessie, when I started filling in the quote for annual travel insurance, the page went to Staysure.co.uk. I filled in loads of details, then near the end were the terms and conditions. This I have downloaded but re-named it. If you p.m. your e-mail then I will send you the pdf. Sorry for the delay in replying. Martin |
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Zitat von oldbikemart im Beitrag #11 @oldbikemart if you were looking at something at Staysure then I am not sure how you got there via a link from Tesco. On the Tescobank website are the words, "Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. UK Branch." https://www.tescobank.com/travel-insurance/ I can see the Staysure policy at https://www.staysure.co.uk/wp-content/up...V23-V11-WEB.pdf and this is not suitable for motorcycle touring Spam goes here |
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I use Puffin insurance to make sure I can ride my bike abroad
Graham
Winskill, North West England the long and winding road perfect for a bike |
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Zitat von midlife crisis im Beitrag #13 they sell the same Axa policy as Tesco. I used them a while ago but their medical loading increased a lot last time I got a quote
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with my annual Tesco travel policy up for renewal in a couple of weeks, I have started getting quotes. Spam goes here |
