Planning to go on a two-wheeler road trip? One thing that is crucial for complete peace of mind when you are travelling to unknown destinations is to have travel insurance that will cover all unexpected expenses and help you explore more without second guessing yourself.
Why do you need travel insurance?
Travel insurance is completely different from vehicular/accidental insurance that is mandated by the law. You are not bound by law to have travel insurance but having it surely makes your trips more enjoyable and care-free. Here are some common reasons why need to get a travel insurance:
Medical expenses in different cities can be very expensive
You cannot afford to lose your travel investment on covering unexpected expenses
You will need money for unfortunate accidental repairs to your bike
It gives you complete peace of mind, and serves as a backup plan to your accidental insurance coverage
You cannot predict natural disasters, sickness/pandemics, loss of luggage or motorcycle theft, and therefore you need a plan to compensate for losses
Types of motorcycle tour insurances
When you’re in the market looking for an insurance plan for the upcoming trip out to find a comprehensive plan that covers as many things as you anticipate. Some of the most common things that you need to be insured against are:
Accidental: any sort of injury that you may be exposed to during your trip including collisions or accidents involving other parties.
Medical treatments: you may become sick after consuming something and that might lead to a medical complication for which you will need money to get treatment.
Repatriation: in case of international trips you will need repatriation insurance cover to pay for the expenses incurred in sending you back home from the foreign location.
How to ensure your eligibility for an insurance payout
In the event that you have to claim for a reimbursement, the insurance company will check for multiple factors to ascertain whether the fault was not intentionally made by you just for the sake of getting the money. Insurance fraud is very common and therefore companies usually do a thorough investigation before paying out the insurance sum. Here is how you can ensure that you are eligible for the payout without any hassle.
Expect the unexpected: Always keep an eye out for someone else’s mistake and take every possible measure to avoid accidents, thefts, or any other kind of loss that might lead you to apply for an insurance payout.
Check insurer’s past payment record and reliability: While purchasing and insurance do a background check of the insurer to see if they have a good track record of paying out money without causing any trouble. A good way to understand that is why checking online forums and getting a few opinions from other motorcycle riders and travelers who frequently go on long road trips.
Always be on the right side of the law: Always make sure to follow all the laws and regulations of the place that you were travelling to. Take the time to research the destination and learn about any legal quirks regarding two wheeler riders that you need to know to avoid any problem later on. Keep the safety basic strong and always ride within the limits of your skills and the capacity of your motorcycle.
Never forget your riding safety gear: You cannot imagine how many serious injuries can be completely avoided simply by wearing the proper riding gear. Always wear a good quality branded motorcycle helmet along with a riding jacket and gloves at all times.
Never leave an accident without photographs: If you happen to get in an accident make sure to take a few photographs of the accident so that you can use it if you have to file a police report or to show it to the insurance company while claiming the reimbursement. One thing to keep in mind while taking photographs is not to aggravate the situation even further by being aggressive about clicking photographs but rather to be very smart about it so that the other party does not take offence to the fact that you are clicking photographs of his or her license plate!
Ride safe, avoid the need for insurance payout!: Always be very cognizant of the environment around you and keep an eye out for all vehicles that you are sharing the road with. That way you will always be on your guard and get the time to take preemptive measures to avoid an accident, which is much better than getting into the hassle of filing reports and claiming insurance coverage.