Motorcycle Tour Excess Insurance

Motorcycle Tour Excess, Deposit and Optional Insurance Protection

When a motorcycle is provided for a guided or self-guided motorcycle tour, riders should understand how the excess, security deposit and damage responsibility work before the tour starts.

Even when the motorcycle is insured for road use, the rider may still be financially responsible for an agreed excess in the event of damage, theft or another insured incident. This excess is separate from personal travel insurance, medical insurance and customer money protection.

To help reduce this financial risk, MotoGS WorldTours provides information about optional motorcycle excess insurance through HanseMerkur. This may be relevant for riders using a provided motorcycle during a guided tour, self-guided tour or GPX-based motorcycle arrangement.

You will find the external insurance button at the end of this page, below the information text. The button is labelled “MOTORCYCLE TOUR EXCESS INSURANCE WEB”. Use this button to check directly whether optional excess insurance is available for your country of residence, tour dates and motorcycle details.

What Is Motorcycle Tour Excess Insurance?

Motorcycle tour excess insurance is an optional insurance product that may reimburse an eligible excess charged after damage, destruction or theft of a rental or tour motorcycle, subject to the insurer’s terms and conditions.

According to HanseMerkur’s public product information available at the time of writing, rental vehicle protection can apply to cars and motorcycles. The applicable insured amount, eligibility, exclusions and conditions must always be checked directly during the HanseMerkur booking process.

Important: this insurance does not normally replace the security deposit. If damage occurs, the rider may first be charged according to the applicable tour, rental or partner conditions. The rider may then submit a reimbursement claim to HanseMerkur.

Why It Can Be Useful for Motorcycle Touring

A motorcycle tour can involve long riding days, luggage on the motorcycle, ferries, mountain roads, narrow parking areas, changing weather, border crossings and unfamiliar road conditions. Even experienced riders can face situations where minor damage is difficult to avoid completely.

With a high-quality touring motorcycle, even small damage can become expensive. Scratched panniers, damaged crash bars, mirrors, levers, windscreens or body parts can quickly lead to repair costs. Optional excess insurance can therefore be a useful way to reduce the financial risk connected with the agreed motorcycle excess.

Guided Tours, Self-Guided Tours and Overseas Tours

For MotoGS WorldTours tours in Europe and the Balkans, motorcycles are normally provided from the MotoGS fleet. For self-guided or GPX-based motorcycle arrangements, the same basic principle can apply when a motorcycle is rented or provided as part of the travel setup.

For tours outside Europe, such as New Zealand, motorcycles are provided through selected local partners. In those cases, the local motorcycle provider’s rental and insurance conditions apply. Excess amounts, deposit rules, claim handling and insurance details may differ from the MotoGS WorldTours European and Balkan fleet.

Because requirements can differ by tour, motorcycle provider, country of residence and travel details, riders should always check directly through the HanseMerkur online booking process whether optional excess insurance is available and suitable for their specific trip.

What This Insurance Does Not Replace

Motorcycle excess insurance is not the same as full travel insurance. It focuses on the financial risk connected with the agreed motorcycle excess, subject to the policy terms.

It does not replace:

• personal travel health insurance
• private accident insurance for the rider
• travel cancellation or trip interruption insurance
• rescue, evacuation or emergency assistance cover
• customer money protection under German package travel rules where applicable
• the rider’s responsibility to follow the tour, rental and insurance conditions

Important Coverage Notes

The legally binding insurance coverage is defined exclusively by the HanseMerkur policy terms and conditions.

MotoGS WorldTours provides this information as a general customer service and partner reference. HanseMerkur decides whether a policy can be purchased, whether a claim is eligible and which amount may be reimbursed.

Before purchasing the policy, riders should always check the official HanseMerkur insurance conditions, including eligibility rules, insured amount, exclusions, claim requirements and required documents. To do this, use the external button labelled “MOTORCYCLE TOUR EXCESS INSURANCE WEB” at the end of this page.

What This Insurance Does Not Change

• The required security deposit or guarantee may still be required before motorcycle handover.
• The rider must comply with the applicable MotoGS WorldTours tour conditions and motorcycle provider conditions.
• The motorcycle may only be used as permitted under the relevant tour, rental and insurance terms.
• Off-road riding, racetrack use and prohibited use remain excluded.
• Damage must be reported properly and documented.
• Claim documents must be submitted directly to the insurer.
• HanseMerkur decides on reimbursement according to its own insurance terms.

Useful Information Before Joining a Motorcycle Tour

Before booking a guided or self-guided motorcycle tour, riders should review the most important tour information, including tour price, motorcycle options, included services, required documents, insurance, excess, deposit and personal travel protection.

Relevant MotoGS WorldTours information includes:

• motorcycle tour calendar
• travel insurance and rescue support information
• motorcycle tour FAQ

Questions About Your MotoGS WorldTours Booking?

If you have questions about your guided motorcycle tour, self-guided motorcycle arrangement, motorcycle selection, tour price, booking process, required documents or excess and deposit handling, you can contact MotoGS WorldTours directly by clicking the button labelled “CONTACT MOTOGS WORLDTOURS” below.

For questions about insurance eligibility, policy acceptance, premiums, insured events, exclusions or claim decisions, please contact HanseMerkur directly or use the HanseMerkur online booking system by clicking the external button labelled “MOTORCYCLE TOUR EXCESS INSURANCE WEB” at the end of this page. MotoGS WorldTours is not an insurance agency and cannot provide binding insurance advice.

Contact MotoGS WorldTours