FOR VISITING FOREIGN NATIONALS WHILE TOURING IN THE USA AND CANADA
Your own UK motorcycle insurance does not cover you in North America. H-C Travel’s motorcycle insurance is designed for British and other non-US/Canadian nationals touring in the USA and Canada. You may purchase coverage for liability only or liability with fire, theft, vandalism and collision.
Our policy is a US insurance policy issued by Modern Select Insurance Co., covering all road-legal motorbikes, trikes, sidecars and trailers. And as a rider there are no penalty points-related surcharges either. Please read all of the information carefully before downloading and completing the application form.
You are eligible for this insurance programme if:
- · You have a valid full, unrestricted national license
- · You are not a US or Canadian citizen
- · You are not a permanent resident of the USA or Canada
- · You are at least 18 years of age, there is no upper age limit
- · The motorcycle to be used is not a rental, short-term lease or buyback motorcycle
The description of insurance coverage in this brochure is a summary only. The coverage is subject to terms and conditions outlined and certain restrictions, limitations and exclusions contained in the policy of insurance. In the event of any conflict between the description of coverage below and the policy of insurance, the policy of insurance will govern. Our 2012 premiums have come down across the board, and we now include breakdown Assistance in the premium.
This insurance provides statutory cover in all US states and Canadian provinces, and is ONLY available in the UK through H-C Travel.
No cover is provided while the motorcycle is being transported to or from the USA or Canada.
We offer you 3 different levels of cover for your motorcycle.
Option 1 Liability only cover. Compulsory. Protects you against claims other people make against you for bodily injury or property damage they incur when you are at fault in an accident. You can take out three levels of cover up to $500,000 per accident (maximum $250,000 / person, $100,000 property). Just decide how much cover you want.
Bodily injury cover protects you against claims for bodily harm, sickness or disease, including death.
Property damage cover protects you against claims for damage to or destruction of property, including loss of its use.
Option 2 Uninsured motorist cover for property damage / bodily injury liability. Compulsory. Insures you for any bodily injuries or property damage to you if the other party is under- or un-insured. Limits up to $500,000 per accident, maximum $250,000 per person. The amount covered is the same as the liability cover you choose under Option 1.
Option 3 Fire, theft, vandalism and collision cover (known as comprehensive in the USA). Optional. This covers your motorcycle for accidental damage caused by theft, vandalism, acts of nature (hail, hurricane, storm), and collision with another vehicle, object or animal. Single vehicle accidents are not covered. $500 excess (known as the ‘deductible’ in the USA).
Passengers Cover for claims by your passengers for bodily injury is included providedthe passenger is not a relative. However, passengers MUST have appropriate travel insurance to cover them for any medical expenses in the event of an accident while on the motorcycle.
Accessories Cover for up to $3,000 of aftermarket optional equipment is included, i.e. not installed by the manufacturer, including sidecars, trailers and trike conversion kit costs. This ‘accessories’ cover can be increased to $15,000 on request. Includes:
- Any item that is not factory standard equipment as reflected by the VIN number of your motorcycle.
- Any custom paint, etchings, murals or graphics on your motorcycle that are not factory options.
- Any electronic equipment, antennae or other devices used to send or receive audio, visual or data signals, or play back recorded media, other than those items installed by the motorcycle manufacturer. These items must be permanently installed using bolts or brackets, including slide-out brackets.
Safety apparel Your policy covers loss of safety apparel that occurs as a result of collision or loss to your motorcycle that is covered by the policy. This does not apply to safety apparel not owned by you or a relative. You must make the safety apparel available for inspection if requested. There is no coverage for a helmet that is not specifically designed for motorcycle use. Limits of liability shall not exceed the lesser of the amount necessary to repair or replace the safety apparel based on actual cash value up to the limit for safety apparel shown on the insurance declaration. The maximum helmet value covered is $400, and no more than 2 helmets are covered.
Roadside assistance This not quite the same as breakdown recovery in the UK, but can still be useful! It is a programme designed for motorcyclists, with 24/7 access to qualified towing companies in the USA (including Alaska and Hawaii) and Canada with the right equipment to pick up your motorcycle, even with a sidecar or trailer. Roadside Assistance includes:
- Towing up to 35 miles
- Mechanical or electrical breakdown
- Battery jumpstart
- Flat tyre towing (up to 35 miles)
- Emergency delivery of fuel, oil, water or other liquids (does not include cost of fluids)
If you have an accident
- Notify the insurance company promptly. This notice must include the date, time, place and circumstances of the accident or loss, including the names and addresses of injured persons and witnesses.
- Arrange for the vehicle to be taken to an authorised dealer in the USA or Canada.
- Obtain a police or other professional report as required by the insurer.
- Provide any written proofs and allow any vehicle inspection or appraisal required by the insurer.
- Do not remove the motorcycle from the USA or Canada until the insurer gives authorisation. If you do, no claim will be adjusted or paid.
All claims will be paid based on US NADA average retail values (www.nada.com) in US dollars, less the $500 excess if applicable.
Like your UK motorcycle insurance, we require information on you and your motorcycle in order to provide you with the best possible quote. To give you an idea from our 2009 policies issued:
2002 Honda Goldwing, 1 month cover with maximum Option1, Option 2 and Option 3 - £279
2008 BMW R1200GS, 3 months cover, maximum option 1, Option 2 and Option 3 - £473
What to do next - Get a Quote!
You can either complete your Quote Application Form online by clicking here.
(this is slightly less expensive and quicker), or you can print and complete the form download and then fax/post/email it to us. We will email or fax you a quote within 2 working days. Then sign your approval, provide your card payment details, return the form and your insurance will be issued, paid and emailed to you 28 days before the commencement date.
As a licensed and bonded UK tour operator, H-C Travel is able to provide a full range of travel services. Why not check out the ‘Holiday extras’ links on our website, www.hctravel.com.
Travel and medical insurance This is NOT included, and you must take it out separately. We can arrange that for you (of course!) – see our travel insurance information or book online at www.bikerstravelinsurance.co.uk.
Flights, accommodation and shipping
We can offer you a complete service for all of your travel arrangements, including sea- or airfreight (please see our website), flights, accommodation, car / motorhome hire, etc.
You will need Adobe pdf file reader installed on your system to view and print the forms.
If you do not, please download it from here, and then load the form.
Alternatively, you can E-mail us and we will post you a form.
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