The excitement of holidays can tempt people out of their comfort zone and into things they might not normally do at home. Meeting new people, trying exotic foods and occasionally seeking out adrenaline-charged activities are all part of the travel experience.

Motorbikes and scooters are popular and readily accessible ways to get around in many overseas destinations. They can be a fantastic means of transport and sightseeing in a foreign country, providing a uniquely personal interaction with the landscape.

But each year, hordes of travellers with little or no experience hire or purchase motorbikes and end up having an accident, causing injury or damage, with no motorcycle accident travel insurance.

With this in mind, it’s important to be aware of any exclusions from your travel insurance policy (things you might not be covered for), like motorcycle accidents. If you plan to scoot around while overseas, you may need to consider specific travel insurance motorcycle cover.

1. Where

2. When

3. Who

Your children go free
This means your dependent children or grandchildren under the age of 21 at the date of policy issue who are travelling with you.

Insurance is designed to cover unforeseen events beyond your control, rather than accidents caused by risk-taking and irresponsible behaviour. Insurance safeguards against misfortune or absent-mindedness as opposed to recklessness.

Hence, while riding a motorbike overseas is a perfectly valid travel activity (assuming you are capable and licensed), the addition of alcohol, drugs or not wearing a helmet would render your insurance void.

Any activity where you deliberately put yourself or others at risk will generally be frowned upon by insurance companies. They also approach adventure sports or activities with caution – parachuting, skydiving or rock climbing may require specific types of cover. Details about policy exclusions can be found by reading the product disclosure statement.

There is a tendency to disregard potential consequences when we’re overseas, which makes cover such as motorcycle accident travel insurance so important. Insurance is there as a safety net – it shouldn’t replace common sense!

This is general advice only and does not take into account your individual needs, objectives or financial situation. Before you buy any policy, make sure you read the product disclosure statement.

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