Your bike remains protected when you get the appropriate insurance policy for taking your bike overseas.Here is how you can stay covered while enjoying a bike ride on foreign land.
How Can I Insure My Bike If I Take It Overseas?
If you wish to take a holiday trip and take your bicycle abroad, you can get an insurance policy that covers its use abroad. Several bicycle policies cover the usage abroad as standard. This usually offers 60 or 90 days cover around the globe.
On the contrary, check the terms and conditions of your policy and find out whether it’s included or not. If it’s not, you may have to pay extra to get full coverage.
What’s Covered With My Bicycle Insurance Policy?
Travelling in foreign countries is included in a bicycle insurance policy. This means your insurance will be extended when using it overseas. It also follows that you’ll be covered with:
Loss or damage accessories
Bike hire replacement
Some of the policies may also offer new for an old replacement when you necessitate claiming for a new bike and as a cover for breakdown and recovery.
There are also extra benefits that come along with some of the bicycle insurance policies. These benefits include:
Cover when damaged and lost while in transit
Claiming into a set amount for a replacement bike hire.
Cover to transport your bike back onto your home, if you can’t take it due to injury.
However, you must be aware that not all insurer provide similar cover. You have to read on the agreement when getting bike insurance and scrutinize your policy paperwork to find out what is covered and what’s not.
Types Of Bike That Is Covered Abroad
Almost all sorts of bikes will be covered when you travel abroad. Examples are road bikes, electric bikes, or mountain bikes. We also suggest checking the policy terms and conditions before getting bike insurance policy to ensure that all associated costs are covered in case of damage on in case something might go wrong on your trip abroad.
What’s Not Covered In Bike Insurance?
You have to carefully check your terms and conditions when getting bike insurance. This will help you determine which circumstances are excluded. Some of the common exclusions are as follows:
In the event of theft wherein, you failed to secure your bike with an approved lock
When using your bike for trade or monetary gain
Damaged that are results of the general wear and tear
Damages caused by competition unless this was included and paid for under your policy
Do I Still Have To Get Travel Insurance?
You need to ensure that you get tailored to fit travel insurance to cover yourself. This could mean being protected financially in case you’re injured or when something went wrong while you’re away.
Moreover, you have to choose the travel insurance that suits your activities and whereabouts overseas. For instance, if you’ve joined biking activities, sports or any others. You will have to pay additional fees to have this covered.
Besides, most travel insurance policies won’t cover your bike; so, you may need to get a bicycle insurance policy along with your travel insurance.
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