Insurance cover in EU

[Timmo59]

I’m trying to find a UK insurance company who will give me 180 days cover in the EU each year rather than the standard 90 days. I’ve used LV before but they don’t seem to do bike insurance any more.

Any tips? Thanks a lot.

[Gerontious]

its 90 days in. 90 days out. so it could be possible to stay within the normal standard. depending. not many people go on tour for over 12 weeks at a time (or repeatedly in quick succession) except RTW and they live in a different universe than the rest of us. Adrian Flux is quite good at non-standard policies. Im pretty sure that if this is not a mandatory EU thing for 3rd countries an insurer will be able to do it. at a cost. but, its likely not something you will find on a website as its quite unusual. it will mean speaking to them - direct.

 

A cheeky way out is simply dont tell them. if your (plus) 90 days is split between trips then how will they know? if its over 90 days or.. say, you want to go for 15 weeks. that's when you would need this specialised cover.

 

I wonder. if you make a claim for 3rd party do they demand to see your ferry/tunnel tickets? I have no idea!!

Edited January 15, 2024 by Gerontious

[RideWithStyles]

some have a clause (small print) that says x days over a x period that you will not be going back over the waters (away from home land) for that reason so you'd have to check what you agreed for.

 

 they can ask questions and truthfully you should answer them, how much of that truth you wish to share is on you.

now it would be chicken and egg they would have to prove you were over the condition you sighed up for if they suspected foul play but then they would say that if you cant prove/provide that you didnt they wont pay out, id more likly assume that they would ask afterwards and chase you up afterwards through courts (depending on how much they paid out).

 

sounds like you need mostly you as the insurance and the bike is a plus so maybe try that some travel insurances have add ons for vehicles.

id chat to brokers (locally) and get them to chase it up their fee will be very small but they'll have a good idea who to look and chat too on your behalf.