What travel insurance do I need for a motorcycle tour?

A motorcycle tour is a valuable and active travel experience, so riders should check their personal insurance before booking. The insurance for the rental motorcycle protects the motorcycle and covered third-party liability risks, but it does not replace personal travel protection for the rider.

This applies to guided motorcycle tours and also to self-guided or GPX-based arrangements. The exact route, country or continent may change, but the main insurance questions remain the same: medical treatment, cancellation risk, accident risk, luggage and emergency assistance should be checked before departure.

Riders should especially check whether they have suitable cover for:

• travel cancellation before the tour starts
• trip interruption if the tour has to be stopped early
• international health insurance for medical treatment abroad
• private accident insurance for the rider
• luggage and personal belongings
• motorcycle riding as a leisure or touring activity, without a relevant exclusion in the policy
• all countries visited during the tour, including transit countries where applicable
• 24/7 emergency assistance and clear emergency contact details

Credit cards sometimes include travel insurance, but the terms are often limited. Riders should check carefully whether the policy covers the full tour price, passengers, motorcycle riding, all countries visited and 24/7 emergency assistance. Some credit card policies only apply if the tour was paid with that card.

Customer money protection is a separate topic. For MotoGS WorldTours guided tours, it is not an optional insurance chosen by the rider. Where required under German package travel rules, the relevant customer money protection documentation is provided automatically by MotoGS WorldTours as part of the booking process before payment is requested.

In addition to personal travel insurance and mandatory customer money protection where applicable, riders may also consider optional third-party protection, such as:

• Global Rescue travel protection for medical support, rescue coordination and evacuation-related assistance where suitable
• HanseMerkur excess insurance to help reduce the rider’s financial risk for the agreed motorcycle excess

MotoGS WorldTours is not an insurance agency. We can provide practical information about these options and explain where they may be relevant, but riders remain free to choose their own insurance provider. The exact cover, exclusions and reimbursement decisions always depend on the selected insurance policy and provider.