Travel Insurance for Motorbike riding

You're travelling through Thailand, and you've decided to rent a motorbike to get around and see the sights. Before you jump on, there are a few things you need to know about travel insurance for riding on a motorbike.


You must:

  • hold an appropriate and valid licence recognised in the country you are travelling in for the motorcycle you operate

  • obey the road rules of that country

  • hold an equivalent licence in Australia to operate the same type of motorcycle.

  • wear a helmet, whether as a driver or a passenger - even it isn't required in the destination country. Not only is this for your own safety, but failure to do so may result in your claim being denied.


By ‘appropriate’ we mean that the motorcycle and the manner in which you operate it must fall within your licencing conditions; for example, if you want to ride a 600cc motorbike then you must be licensed to do so in Australia as well as in the country where you’re riding. If you don't have a valid licence, you're riding illegally and are therefore not covered. So always be sure to check with the consulate of the country you are travelling to before you go to confirm licensing requirements.


Motorcycles may seem like an easy option, especially in SE Asia where everyone seems to ride one. However, greater caution should be used as you will be trying to negotiate your way through overcrowded roads that aren’t well maintained. This can be daunting for the experienced motorcycle rider and dangerous for a novice.


Riding a motorcycle in Bali is also very popular.  The Visit Indonesia representatives in Australia advise that you are required by Indonesian law to wear a helmet while riding a motorcycle and you will need to show a valid Australian drivers licence. International driver’s licences are not accepted in Indonesia.  Visit Indonesia can be contacted in Sydney 02 9959 4277.


Ensure you book through a reputable company who have well maintained motorcycles and who offer personal liability insurance and physical damage insurance  whilst the motorcycle is in your care.


The Smartraveller website has information about local travel and advice on overseas road safety on their website. Just look up the country you are travelling to for the 'local travel' advice.



We do not cover your liability arising out of your ownership, possession or use of a mechanically propelled vehicle (this means you are not covered if you injure someone or cause damage to someone’s property whilst the motorcycle is in your care).


While we cover you while travelling on a motorbike, we do not cover theft of or damage to the motorcycle itself, nor do we cover the insurance excess if you are hiring a motorcycle.


References to motorcycles include mopeds, scooters and any other motorised bike.

Last Updated: Jul 27, 2017 01:23PM AEST

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