Is Travel Insurance for Motorcycle Trips Necessary?

Whether you are taking your first motorcycle trip or your last, it can be an unforgettable experience. You don’t want your trip to be ruined by an unexpected event. There are only so many things you can plan for, but some stuff you just can’t account for. You don’t have control over everything, which is the beauty of travel.

Half the fun of taking a bike trip somewhere you don’t know is the freedom and excitement of knowing that things can go wrong. But if you take proper precautions, you can be reassured that you can be covered for whatever goes wrong. Having this peace of mind will help you feel even more liberated than you would be if you didn’t have protections against the unexpected. So should you take out travel insurance for your trip? Let’s take a look at some potential risks and you can decide for yourself.

Weather, Climate, & Natural Disasters

Above all things, you can’t plan for Mother Nature. Weather could badly impact your trip, it doesn’t matter if it’s before your flight or on the road. It can also change your route. If you are going to go through a storm, you might want to change plans. If it costs you a lot of money, it could be reimbursed with adequate insurance.

Furthermore, if you going to a country you’ve never been to before you will go into a climate your body is not familiar with. This could cause you problems when it comes to illness, disease, and viruses. Your body is not used to the germs of different places, and the climate can make you more susceptible to them. The right travel insurance will cover the costs of any medical treatment, hospital bills, or emergency room visits you have to take.

Finally, natural disasters can obviously affect a trip a lot. If you have your trip cancelled, changed, or delayed by a natural disaster you can be compensated for your trouble. Whether it’s a hurricane in Southeast Asia or an earthquake in South America, you can’t predict what is going to happen when you book your trip. But you can protect yourself from paying for things that you don’t get to do in the end.


Cancellations are probably the biggest reason to insure your trip if you are booking way ahead of time. You don’t know what life will throw at you right before you leave or during your trip. What if someone dies unexpectedly when you’re gone and you need to return? What if you get ill or injured before or on the trip? According to the specialists at MoneyPug, which is widely used to compare bike insurance, only some cancellations will be covered by your average insurance policy but taking out specialized travel insurance will cover more cancellations. Always pay attention to what is covered in the insurance.

Renting a Bike

When your trip is somewhere far from your home, you will likely need to rent a bike. If you do rent, you will need to take out insurance or be at risk of having to pay for a bike that isn’t yours. While most rental companies will offer you insurance if you rent from them, you should pay attention to the terms and conditions. The insurance policy may not cover the whole cost of the bike or it may not cover certain damages, accidents, and other unfortunate occurrences. The only way to make sure that you are completely covered is to take out insurance.

It doesn’t matter whether you’re going on your first trip or not, taking a motorcycle journey can change your life, in many ways. It can be the best experience or the worst, but that’s only if you don’t protect yourself from the worst case scenario. If you take the precautions you should, you could end up with some unexpected expenses and a heart ache worth more than you need. So take out the insurance you should have for the trip you are taking and you won’t regret being fully covered when you have a terrible situation come your way. It’s the only way to have the peace of mind knowing you’re good no matter what happens.