POST OFFICE TRAVEL INSURANCE - WARNING

[Mawnanian]

Be nice to know why the P O has changed their policy cover.

I can tell you with absolute certainty. They have changed the insurer who actually issues the insurance policy. In fact, they've set up their own insurance company to do a part of it, too.

In brief, the Post Office is simply a branding attached to a reasonably conventional insurance policy. If you like, it's a glossy cover to a load of words on dull white paper. The Post Office has millions of potential customers, a pretty good reputation / brand awareness, so it makes sense for an insurer to tie up with them to market a product.

A change of insurer will more often than not trigger a change in the scope and extent of cover.

Indeed, for the past few years I've got travel insurance through MAG. Last year for £79 I got worldwide cover for any bike up to 1800cc, never had to claim but the cover on the policy gave me all I wanted. I've just received my renewal notice also informing me that they had changed their insurer and logging on to the website to renew I get quoted a premium of £248! Turns out that this is because I'm now 65, bugger, I'm used to things getting cheaper as I get older. A year younger and I'd be paying just over £90, still not a bad deal if the cover remains the same. So I'm going to shop around a bit.

[rodyorkabr]

I have insured with the PO in the past and fortunately...never had to claim!

...Could anyone therefore suggest a holiday cover 30day for motorbike travel?

[Wapping]

As before....

There is loads of choice out there, to suit every pocket, destination, duration and activity.

What suits the 70 year old extreme sports fanatic, running his third Marathon of the Sands, will not necessarily suit the 20 year old, off-roading with his mates in Spain, or the 63 year old couple (her with a dodgy knee, him with a double heart bypass) bumbling and bimbling their aged Pan 1100 gently around the Alpine valleys..... or you.

Google 'Travel insurance' or summat similar and surf away; it will be good practice for your 30 days in Hawii or wherever it is you are going.

[davsato]

tried to tell you all 5 days ago!

http://www.adventurebikerider.com/forum ... n-mag.html

[Wapping]

It's lost alongside all the other threads about 'What insurance should I buy'

[davsato]

I'll pin this thread to the top of the travel section for a week or two for people to notice.
PO insurance has always been very good value before this and a lot of people (me included, and the "ask dave" article[not THIS dave lololol] in the magazine) have advised people to get it for years. i get annual cover and renew year after year, it was up for renewal last week and only my mrs saying it had changed made me check up. im not sure where that leaves people who have time to run on their old insurance, i think the PO is just a broker and the insurer will honour it.
i have checked out Holidaysafe and Navigator insurance so far, both seem to cover what we want and are as cheap as the post office was

[eddie990]

Another happy Holidaysafe customer here, covers off-road, euro track days, the lot!

Think I was £60 for an annual policy but I'll have been on 3 euro track events and a 2 week Spain tour by the end of the year.

I came off in Spain and broke my collarbone, holiday cut short and had to fly back to the UK.

Between Carole Nash and Holidaysafe, I was in UK A&E within 36 hrs of the accident! The bike arrived back a couple of weeks afterwards.

[Butch]

Well I renewed my PO travel insurance this week, I questioned them what I had read on here and the guy told me the Standard cover covers motorcyling up to 1500cc on recognised roads only including green lanes. It will not cover any kind of competition riding or if you stray into the jungle.

I managed to get a 31 day trip cover for £79 per year. When I mentioned my 3 week trip to Thailand starting next week, mainly on unpaved roads he said I would be covered.

Have all the docs now plus the recorded phone call in case I need to use the insurance.

[Bernard Smith]

Medical expenses post accident will only cover basic emergency fees for items such as broken bones

That is included in your E106/E111 cover anyway!

Simon

But wherever you are in Europe, the 106 will only give you the same basic cover as a local - so probably not free, which is where people get muddled with the 106 and the NHS - so you may still have to lump up your fist full of sheckles............ (thumbs)

[simonw]

...Deviating a bit - always check whether there are restrictions to off-tarmac biking. I've seen even specific 'Adventure Sports' cover deals that have a 125 cc limit to any cover for motorbike accidents!

Definitely. We hire quads on our family holidays - one adult and one child on each. The small print of a lot of insurance policies exclude cover for this activity, even though it's not off-road or "extreme". Read the small print - I was surprised what isn't covered in a lot of policies.