Travel Insurance Exclusions Discriminatory Against Motorcyclists Going Abroad (EU)

DullGreyGuy

heatherw_01 said:

You need motorcycle travel insurance.
No discrimination here. Discrimination is related to things such as race or disability.

Illegal discrimination will be based on protected characteristics like race or disability. By definition discrimination must be unjust, insurers can differentiate customers based on protected characteristics (other than gender) as long as they can show its just. Hence 18 year olds pay more for Motor insurance than someone who's 50

Charging someone an extra 10,000% because they were born on the 29th February most likely would be discrimination but would not be illegal. 

Insurers generally dont do the first, may do some discrimination against customers they simply dont want for reasons other than protected characteristics but mainly simply do differentiation, they charge more for Single people than Married people because their claims evidence shows there are differences in experience, though some may claim that is discrimination as they feel its unjust. 

Grumpy_chap

stevep10 said:

I've recently taken a multi-trip policy out with Admiral Travel Insurance. I went platinum cover because it has all the bells and whistles, so I thought.
No it doesn't.........It excludes motorcycle travel on anything over 125cc. Who travels the EU from the UK on a 125cc motorbike??? You'd never get your luggage for a 2 week trip on it for a start.
Admiral class anything over 125cc as a hazardous activity and requires a premium to be paid if you want that cover. But then it removes the Personal Injury and Legal Cover from it so you lose it.
I'm actually wondering whether to make a complaint about the motorcycling section of my policy with Admiral being included as a hazardous activity. Anything involving a powered vehicle travelling at speed could be classed as hazardous, even if it is within the specified speed limits. A 125cc motorbike can reach speeds in excess of 50mph so what makes them exempt from being hazardous? In most villages through a lot of the EU, speed limits are as low as 19mph. So what's the difference between a 125cc and a 1000cc doing the speed limits that makes one bike hazardous and the other not?
Today's electric push bikes can exceed 50mph if modified, and I've seen a few of them round here. They'd do as much damage as anything else and riders are not required to wear protective equipment.
I feel discriminated against just for being a biker

Is the motorcycle touring actually required to be covered under the travel insurance policy?

That extract that is highlighted seems to relate to individuals hiring a moped for a bit of local resort travel.

If you are motorcycle touring, you should have motorcycle insurance already in place which would cover any costs (including medical) arising from a motorcycle incident.

It is possible that if the travel insurance also covered the same, there would be complaints about covering something that is obviously not required to be insured again as the motorcycle policy is already in place,

What additional cover is the OP expecting via the travel insurance that is not covered under the motorcycle policy (which needs to have had extensions to cover Europe)?

DullGreyGuy

Grumpy_chap said:

If you are motorcycle touring, you should have motorcycle insurance already in place which would cover any costs (including medical) arising from a motorcycle incident.

It is possible that if the travel insurance also covered the same, there would be complaints about covering something that is obviously not required to be insured again as the motorcycle policy is already in place,

What additional cover is the OP expecting via the travel insurance that is not covered under the motorcycle policy (which needs to have had extensions to cover Europe)?

Motorcycle insurance is the same as Car insurance, it only covers damage or theft to the vehicle in terms of own losses. You would be covered for injuries caused to others but not yourself so if you are in a single vehicle accident and end up in hospital for 6 months the insurers will write off the motorbike but you'll have to pay the hospital bill yourself. 

Travel insurance often causes overlap with other insurance, anyone with a decent home insurance will have cover for their personal possessions no matter where they are in the world. Both policies are likely to have clauses that deal with this. 

The "Personal Accident", which the OP misnamed as personal injury, is an exception as its not a coverage based on the principle of indemnity so if you had life insurance, Death in Service, PA from your travel insurance and a stand alone PA policy and died whilst on holiday then all 4 policies would respond and payout