Should I Take Out Travel Insurance for my Motorcycle Trip?

Take Out Travel Insurance for my Motorcycle Trip

When you are about to take a trip of a lifetime, you are thinking about all the good things you will experience. But the truth is, when you are taking an adventurous trip on a bike you are taking some risks. Not that these risks can’t be managed, but you have to plan ahead for the unexpected. This includes a variety of things, but the most important is to make sure that you are covered for anything that might go wrong. One way to do this is to take out travel insurance. A lot of people are willing to go without it, and it may be fine in the end. But if you don’t want to be stuck in a very bad situation or paying a lot of money for something you could have avoided, you should take the precautions and get the necessary coverage. 

Unexpected Cancellations

People lose the most money when they have to cancel. Life throws us a lot of curve balls, and if you aren’t prepared with insurance you could have to cancel your trip last minute and see none of the money reimbursed. Anything could happen. Someone could die unexpectedly or you could get injured right before you are set to ride. There could be other problems that interfere. You never know what might come right before a trip, and you don’t want to lose out on the money because you can’t go. Covering yourself with insurance is the only real way to ensure this. 

Problems in Transit

If you travel frequently, you know how it can be. When you are taking flights, trains, and bus rides, unexpected things can happen. There could be a delay, there could be issues with the transportation. If your flight is late, you could miss your connections. These problems can result in you losing out on activities and having to pay for transit that you don’t end up taking. If you take out travel insurance, you will likely be covered for what you miss. 

Natural Disasters, Weather, & Illness

You could also encounter something that is completely out of control. For example, if a natural disaster occurs it might force you to cancel, change, or reschedule your ride. There’s not much you can do about a disaster, but you can protect yourself from losing the money you spend on the trip. According to the experts at the site MoneyPug, which is known for being a platform to compare bike insurance, weather is a top factor for riders cancelling or changing their trip. If you are not familiar with the terrain, this goes doubly so. 

Furthermore, if you are going to an exotic destination, you will be exposed to viruses and other illnesses that you are not used to. This makes you more at risk for catching something on your trip. If you end up coming down with some sort of an illness, insurance will take care of any medical bills, hospital visits, or secondary treatment that you need. There are a lot of things that you can’t manage when you are on the road, but you can do your best to protect against the worst of them.

Renting a Bike

When you are going somewhere far away for your motorcycle trip, you will probably be renting a bike. It goes without saying that you don’t want to risk damaging or crashing a bike that isn’t yours. Not only will you have to pay out the nose for it, there will be a lot of hassle when it comes to doing so. Reputable rental companies should offer insurance, but be sure to read the policy’s terms and conditions for what they cover and what they don’t. You don’t want to end up with a half-baked insurance policy that only covers a portion of the bike’s cost. 

Wherever you are going, getting the right insurance for your motorcycle trip is obviously recommended. It could save you a lot of hassle and money when the worst happens. You can’t plan for things to go wrong, but you can plan ahead and make sure that you will be in the best possible position if they do. 

Ryan Beitler is a journalist, writer, and blogger. He has written for Paste Magazine, OC Weekly, The Slovenia Times, Deadline News, and various travel websites.