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Travel insurance with motorcycle, scooter and moped cover

Explore the world on two wheels

Whether you’re exploring Bali by scooter, enjoying the sights of Rome from a moped or tackling Vietnam’s Ha Giang Loop on a motorcycle tour, Fast Cover’s Motorcycle Pack may may help protect you against unexpected events that occur while travelling on two wheels. ^

  • Optional cover for riding or being a passenger on a motorcycle, moped, or scooter overseas ^
  • Unlimited medical and hospital expenses cover ^
  • Access to 24/7 overseas emergency medical assistance ^
man with orange helmet riding a scooter

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Top 3 things to know

What it covers

Our Motorcycle Pack provides cover under a range of applicable benefits for riders and passengers on a motorcycle, moped or scooter overseas. ^

Learn more

How to add cover

Learn how to add the Motorcycle Pack as an optional extra to your eligible travel insurance policy. Customise your cover to fit your trip.

Learn more

Compare benefits

Not all travel insurance is the same. Compare your options side by side to find the cover that fits your trip, budget and travel style best.

Learn more

Every traveller’s needs are different, so read the PDS to find the right policy for you. Any advice is general advice only and doesn't consider your personal and financial circumstances.

Learn more about travel insurance with cover for riding or being a passenger on a motorcycle, moped and scooter overseas

Updated 06 July 2026

"Tatjana
Written by
Tatjana Bundalo
Ibrahim Fayad
Reviewed by
Ibrahim Fayad
Fact checked icon
Fact checked

Key takeaways about Fast Cover’s travel insurance with motorcycle cover 

  1. Licence rules for riders in control of a motorcycle, moped or scooter with an engine capacity: for engines 125cc or less you must hold both a licence valid for the country you are riding in and a current Australian Drivers Licence (Provisional or higher). For engines greater than 125cc you must also hold a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of vehicle. Both requirements apply regardless of local laws. 
  2. Licence rules for passengers on a motorcycle, moped or scooter: The person in control must hold a current licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter that is valid for the country that you are in. 
  3. Riding limitations and conditions: There is no cover for motocross, off road, jumping, racing or competition of any. 
  4. Cover on different types of roads: Cover is available when riding on both sealed and unsealed public roads only. There is no cover for riding off road. 
  5. Age limit of 74 years and under: The Motorcycle Pack is available to Aussie travellers aged 74 and under at the date of policy issue when they purchase an eligible policy including our Comprehensive, Standard Saver, Basics, Snow Sports Plus and Frequent Traveller Saver policies. The Motorcycle Pack is not available under our Domestic Plus policy.

This is only a summary of some things to know about the Motorcycle Pack, so always read the PDS before deciding to buy.

What does the Motorcycle Pack cover?

Fast Cover’s Motorcycle Pack is an optional extra and may provide cover for travellers riding or being a passenger on a motorcycle, moped or scooter overseas under a range of applicable benefits. ^ The Motorcycle Pack is available to Aussie travellers aged 74 and under at the date of policy issue when they purchase a Comprehensive, Standard Saver, Basics, Snow Sports Plus, or Frequent Traveller Saver policy. ^ 

This is only a summary of some benefits available. Each policy has specific terms, conditions, exclusions, and limits. Not all benefits apply to all policies, so always read the PDS before deciding.

Medical emergencies can happen while riding a motorcycle or being a passenger during your overseas trip. Fast Cover’s Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies, depending on your situation and location. ^  

Our Emergency Assistance team may be able to help arrange experienced medical support services in the event of unexpected circumstances that arise from you riding or being a passenger on a motorcycle, moped or scooter overseas. ^

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Injuries resulting from motorcycle, moped and scooter accidents can happen while travelling overseas, especially in popular scooter destinations like Bali, Thailand and Vietnam. Fast Cover’s international policies may be able to help with reasonable overseas emergency medical and hospital expenses arising from an unexpected injury sustained while riding or travelling as a passenger on a motorcycle, moped or scooter, provided those expenses have not been reimbursed from another source. ^ 

Please note there is no cover for medical or ancillary expenses incurred in Australia even if they are the result of injuries sustained while overseas.

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Access to emergency medical care could make a huge difference if you become seriously injured or sick while riding or travelling on a motorcycle, moped or scooter overseas.  

Fast Cover may be able to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover. ^

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Cancelled trips aren’t just disappointing, they can be expensive too. If you need to unexpectedly cancel your trip, our Trip Cancellation Expenses benefit may help protect the non-refundable trip bookings you’ve already paid for including flights, accommodation and tours including motorcycle tours in circumstances explained in your policy. ^ 

At Fast Cover, you can buy travel insurance for your holiday up to 12 months prior to your departure date, including before you've booked a motorcycle tour and any accommodation. ^ Please note cancellation cover is not available with our Basics policy.

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Natural disasters and severe weather could throw your motorcycle trip off track. Fast Cover may be able to help if your scheduled or connecting transport is cancelled, delayed, shortened or diverted due to severe weather or a natural disaster that begun after we issued the Certificate of Insurance. 

Under the Trip Disruption Expenses benefit, cover may be available for reasonable additional travel, accommodation and meal expenses incurred while you are still travelling, provided you cannot recover those costs from another source. ^

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While it’s not something we would want to think about, serious accidents can happen on motorcycles, mopeds and scooters overseas. Fast Cover’s Accidental Death benefit can provide a lump sum payment to your estate if you are injured while riding or being a passenger on a motorcycle, moped or scooter during your overseas trip and you pass away because of that injury within 12 months of the injury date. ^

The Accidental Death benefit is available under our Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies. Please note, age and benefit limits apply per policy type, read the PDS for full terms and conditions. Please note Accidental Death cover is not available under the Standard Saver or Basics policies.

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Travellers who add the Motorcycle Pack might book a motorcycle tour to explore their destination. Under our PDS a tour is a special event so if your scheduled transport is cancelled, delayed, shortened or diverted during your overseas trip and that means you would not arrive to your tour on time, Fast Cover may provide cover for the reasonable additional travel expenses to help you to get to your special event on time such as a guided group motorcycle tour, so you don’t miss the moments that matter. ^ 

If your scheduled transport is cancelled, delayed, shortened or diverted, our travel insurance may be able to provide cover of up to $5,000 for you to book an alternative flight or other transport to help you make it to your special event on time. ^ 

Special events include a pre-booked, pre-paid and pre-arranged:  

  • Wedding  
  • Funeral  
  • Conference  
  • Concert  
  • Sporting event  
  • Cruise  
  • Tour package 
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What are the Motorcycle Pack licence requirements for riding overseas?

The following licence requirements apply if you add the Motorcycle Pack to your policy. Please note you must comply with the restrictions of your Australian license, as well as the local laws. If you plan to ride or be a passenger on a motorcycle, moped or scooter overseas, it’s best to thoroughly research the licencing and traffic laws that will apply to you. 

Licence requirements for riders 

If you are the rider in control of a motorcycle, moped or scooter with an engine capacity of:

Engine Capacity 

Licence Requirement 

125cc or less 

You must hold both a current Australian Drivers Licence (Provisional or higher) (regardless of the local laws) and a licence valid for the country that you are riding in.  

 

Greater than 125cc   

You must hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that you are riding in.  

Licence requirements for passengers

If you are the passenger on a motorcycle, moped or scooter, the person in control must hold a current licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter that is valid for the country that you are in.

How to add the Motorcycle Pack to your policy

If you are 74 and under and wish to be covered for riding or being the passenger on a motorcycle, moped or scooter overseas, Fast Cover’s simple quote process can be completed online or over the phone to help you add the Motorcycle Pack to an eligible travel insurance policy. Below is some of the information which may be needed to get a quote with cover for riding or being a passenger on a motorcycle, moped or scooter overseas.

Enter your travel details

Enter all the destinations or regions you will be travelling to and add your travel dates.

Select who needs cover

Are you travelling solo, with a companion or with your family? Add all travellers and their details to your policy. 

Add trip details

Tell us if you’re going on a cruise, or skiing or snowboarding.

Add the Motorcycle Pack

Compare the policies available for your quote application, select your preferred policy and click ‘Next’. Then select the Motorcycle Pack from the list of available optional extras.

Complete the rest of your quote application by adding each traveller’s details and completing a medical screening if required.  Please note the Motorcycle Pack is not available on Domestic Plus policies.

Insurance cover options for motorcycle trips

At Fast Cover, the Motorcycle Pack can be added to a range of policy options where your trip includes being the rider or passenger on a motorcycle, moped or scooter overseas. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Comprehensive Travel Insurance

Comprehensive Travel Insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income. ^

Standard Saver Travel Insurance

The Standard Saver Travel Insurance policy provides mid-level cover such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel. ^

Basic (Medical Only) Travel Insurance

Our Basics Travel Insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000. ^

Snow Sports Plus

Planning a ski trip or heading to the slopes during your time abroad? Fast Cover's Snow Sports Plus policy is designed for travellers who want cover for snow sports activities as part of their overseas trip. It includes cover for a range of snow sports in addition to the standard travel insurance benefits available under the policy. ^

Frequent Traveller Saver

If you travel overseas frequently, a Frequent Traveller Saver policy may suit you. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.^ Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.^

Who can get travel insurance with motorcycle cover?

Whether you're travelling solo, with a partner, or as part of a group, every motorcycle trip is different. Fast Cover's Motorcycle Pack is designed for a wide range of Aussie travellers aged 74 and under who plan to ride or travel as a passenger on a motorcycle, moped or scooter overseas, including:

  • Solo travellers exploring destinations like Bali by scooter 
  • Couples discovering cities such as Florence by moped 
  • Backpackers travelling between multiple countries and relying on motorcycles, mopeds or scooters to get around 
  • Adventure travellers taking scenic motorcycle road trips through New Zealand or Europe 
  • Cruise passengers hiring scooters or mopeds to explore ports of call during onshore excursions 
  • Recreational riders of all experience levels embarking on overseas motorcycle touring holidays 
  • Travellers riding as passengers on guided motorcycle tours 
  • Holidaymakers looking for the freedom and flexibility of exploring their destination on two wheels 

Please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Do I need travel insurance for a motorcycle trip?

Whether you’re planning to ride a scooter in Thailand, go sightseeing on a moped in Europe or embark on a cross-country motorcycle tour of the US, we understand that unexpected situations and factors outside of your control can arise while travelling on two wheels, leaving you with out of pocket expenses. Travel insurance with cover motorcycle riding can help you deal with unforeseen events if the unexpected happens.  

Please consider your personal and financial circumstances, along with the T&Cs of our PDS, before deciding whether Fast Cover’s Motorcycle Pack and eligible policy is right for you. 

Here are some situations which you might consider when deciding if you need travel insurance with cover for riding a motorcycle for your next trip and whether your travel insurance policy can provide cover for these situations:

Becoming unexpectedly sick or injured could force you to cancel your motorcycle trip. Rescheduling a cancelled holiday and dealing with lost deposits and non-refundable motorcycling tours, flights and accommodation can become stressful and expensive. Consider if your travel insurance can provide cover for trip cancellation expenses.

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If you need to cancel your motorcycling holiday due to an existing medical condition, you could be left out of pocket for non-refundable pre-paid trip bookings. You may wish to check if your travel insurance can provide cover for trip cancellation expenses if you need to cancel your motorcycle trip due to your existing medical condition. 

If you have any existing medical conditions, you may be able to apply to include cover for them during your trip. Fast Cover’s simple medical screening process can be completed online or over the phone to help you find out if your existing medical or pregnancy condition can be covered.

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Consider whether your travel insurance can provide cover if you become sick or injured while being a rider or passenger on a motorcycle, moped or scooter overseas and incur emergency medical and hospital expenses. 

This could include treatment for fractures, dislocations, cuts, infections or other unexpected injuries sustained while travelling on a motorcycle, moped or scooter overseas. You may also wish to check whether your policy can provide cover for overseas emergency medical evacuation or repatriation if you require urgent medical transport, particularly if you’ll be visiting remote destinations or challenging motorcycle routes.

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If you experience a medical emergency while travelling on a motorcycle, moped or scooter overseas, consider whether your travel insurance policy includes access to 24/7 emergency medical assistance services.

Depending on your situation and location, emergency assistance teams may be able to help arrange medical treatment, hospital admissions, emergency transport or communication support during an overseas medical emergency.

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While rare, serious accidents resulting in death can happen while travelling on a motorcycle, moped or scooter overseas. Consider whether your travel insurance policy includes benefits for accidental death if you suffer a serious injury resulting in death as a result of riding or being a passenger on a motorcycle, moped or scooter during your overseas trip.

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If your scheduled transport to your motorcycling tour is cancelled, delayed, shortened or diverted you could risk spending thousands of dollars on additional transport to make it to your tour on time. Worse yet, you could miss out on special events you’ve already booked and paid for. Consider if your travel insurance can provide cover for special event transport expenses.

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These are only some of the situations that you might wish to consider when deciding if you need travel insurance with cover for motorcycle riding. Please do your own research to consider whether travel insurance is right for your personal and financial circumstances.  

Before you decide whether you need travel insurance for a motorcycle trip, you should read the PDS to check what our policies will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.

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What is the best travel insurance for a motorcycle trip?

The best travel insurance for a motorcycle trip can be considered as a policy that provides cover for the type of trip and activities you’re planning. When comparing travel insurance for trips that involves riding a motorcycle, moped or scooter, it’s important to choose a policy that aligns with your specific travel plans and the activities you intend to participate in.

Here are some examples of things you may wish to consider when comparing travel insurance policies with cover for riding a motorcycle to help you decide which policy may be right for you:

The best travel insurance for a motorcycle trip isn’t always the cheapest policy available; it’s the policy that provides a suitable level of cover for your trip, destination and planned activities. 

Fast Cover offers a range of travel insurance policies which travellers can add the Motorcycle Pack to. For example, our Comprehensive, Standard Saver, Basics, Snow Sports Plus, and Frequent Traveller Saver policies all allow you to add on the Motorcycle Pack, but the policies vary in coverage and benefit limits available. 

When comparing policies, always read the PDS, review what benefits are included, and check the applicable benefit limits, exclusions and conditions. Understanding the scope of cover can help you decide which policy may be right for your travel plans.

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Getting sick or injured while riding or being a passenger on a motorcycle, moped or scooter overseas can be stressful and costly. Medical treatment, hospital stays and emergency transport overseas can quickly result in significant out of pocket expenses in some countries. 

Fast Cover’s eligible international travel insurance policies can provide unlimited cover for: 

  • overseas 24/7 emergency medical assistance 
  • overseas emergency medical and hospital expenses, and 
  • overseas emergency medical evacuation and repatriation 

in circumstances covered under the policy. ^ 

When comparing travel insurance for motorcycle trips, you may wish to consider whether the policy include similar medical benefits.

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Have you booked flights, tours or accommodation for your motorcycle trip? 

You may wish to consider whether your travel insurance policy includes cancellation and disruption benefits in case your travel plans are unexpectedly impacted by unforeseen circumstances, such as an unexpected illness, injury or other covered events before or during your trip.

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The type of activities you plan on doing during your trip can impact the level of cover you need. Some travellers are simply sightseeing or exploring local towns by scooter, while others might be adding adventure activities like quad biking, hiking at high altitudes or tandem skydiving. 

When comparing policies, check if they include cover for these activities or allow you to add optional extras to provide cover for these activities. Depending on the policy you choose with Fast Cover, you may be able to add optional extras like the Adventure Pack for an additional premium to provide cover for a wide range of adventure activities. It’s important to choose a policy which allows you to add cover for all the activities you plan to do.

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These are just some of the considerations that you might wish to consider when reviewing the best travel insurance for motorcycle trips, so you know what cover is available to you before and during your trip. Please remember to do your own research regarding this to make an informed decision based on your personal and financial circumstances.  

Before you decide on the best travel insurance with motorcycle cover, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, personal or financial situation or needs.

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What’s not covered in our travel insurance for riding or being a passenger on a motorcycle, moped or scooter?

It’s important to know not just what your travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.  

Here are some examples of when cover may not be available. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub limits before making your decision to buy.

If you’re injured in an accident while, for example, riding a scooter in Bali, and you didn’t add the Motorcycle Pack to your eligible travel insurance policy, you may be responsible for paying your overseas medical and hospital expenses because you did not choose to include cover for that under your policy. 

It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do on your trip.

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The Motorcycle Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Basics, Snow Sports Plus, or Frequent Traveller Saver policy. Travellers aged 75 and over at the date of policy issue are not eligible for the Motorcycle Pack.

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Failing to meet the licencing requirements relevant to you riding or being a passenger on a motorcycle, moped or scooter will affect the cover on your policy. You must comply with the restrictions of your Australian license, as well as the local laws. 

There is no cover if you are the rider in control of a motorcycle, moped or scooter with an engine capacity: 

  • of 125cc or less and do not hold both a current Australian Drivers Licence (Provisional or higher) (regardless of the local laws) and a licence valid for the country that you are riding in 
  • greater than 125cc and do not hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that you are riding in. 

There is no cover if you are the passenger on a motorcycle, moped or scooter and the person in control does not hold a current licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter being ridden, or their licence is not valid for the country that you are in.

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Our policy does not provide cover for damage to, or theft of, the motorcycle, moped or scooter itself. This applies whether the vehicle is owned or hired. If you are hiring a motorcycle, moped or scooter, check with the rental company about their own insurance or damage waiver options.

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The Motorcycle Pack does not provide cover if the claim or loss is for: 

  • Permanent disability under Benefit 10 
  • Loss of income under Benefit 11 
  • Personal liability under Benefit 18 
  • Rental vehicle excess under Benefit 19
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If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, if you ride a motorcycle, moped or scooter without wearing the required safety gear such as a crash helmet or while under the influence of drugs or alcohol.

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The Motorcycle Pack does not provide cover for riding off road. Cover is only available when riding on either sealed or unsealed public roads. There is also no cover for motocross, jumping, racing or competition of any sort.

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There is no cover under the Benefit 14: Luggage & Personal Effects for items left with a motorcycle, moped or scooter, even in a locked storage compartment. Please note there is also no cover for hired items such as a hired helmet or safety gear.

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Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase. 

Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.

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Perhaps the traffic was bad, you didn’t enjoy your motorcycle tour, or the route didn’t live up to the expectation. Whatever the reason you’re unhappy with how your motorcycle trip has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.

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As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.

Compare travel insurance benefits

Depending on the level of cover you take out with our travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances. Compare some of our travel insurance policies below. Please note the Motorcycle Pack is not available with the Domestic Plus policy.

The table below is only a summary of benefits. Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website. Benefit limits shown apply per person for both Singles and Duo policies. # These benefit limits are shared between Duo policy holders. ~ These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately. ^ Cover under these benefits are excluded while travelling within Australia. If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.


Medical Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

Overseas Emergency Medical & Hospital Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental^

 $500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^

sub-limits:

 ––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

 $50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
 ––– $25,000
$20,000		 ––– $25,000
$20,000		 $25,000
$20,000		 $25,000
$20,000

Accidental Death for travellers up to age 79

 $25,000 $25,000 $25,000 $25,000

Accidental Death for travellers aged 80 - 89

 $20,000 $20,000 $20,000 $20,000

Accidental Death of a Dependant (per Dependant)

 $5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
 ––– ––– ––– $50,000
$20,000		 $50,000
$20,000		 $25,000
$20,000

Permanent Disability for travellers up to age 79

 $50,000 $50,000 $25,000

Permanent Disability for travellers aged 80 - 89

 $20,000 $20,000 $20,000

Permanent Disability of a Dependant (per Dependant)

 $5,000 $5,000 $5,000

Loss of Income^

sub-limits:

 ––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

 $400 $400 $400

Financial Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

 ––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

 $1,500 $1,500 $1,500 $1,500 $1,500

Close Relatives that do not meet Close relative conditions

 $2,000 $2,000 $2,000 $2,000 $2,000

Personal Liability~

 $1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses

sub-limits:

 ––– $50,000 $30,000 $50,000 $50,000 $50,000

Close Relatives with a Pre-existing Medical Condition

 $2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

 ––– $3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects

sub-limits:

 Optional
up to $2,000		 $7,500 $5,000 $15,000 $15,000 $15,000

Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item)

 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones (per item)

 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500

Tablets (per item)

 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

 $750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

 ––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

 ––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess#~

sub-limits:

 ––– $5,000 Optional
up to $8,000		 Optional
up to $8,000		 Optional Optional

Return of Rental Vehicle

 $500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

 ––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

 $200 $200 $200 $200

Delay of Luggage and Personal Effects^

 ––– ––– ––– $750 $750 $750

Theft of Cash^~

 ––– ––– ––– $250 $250 $250

Snow Sports Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

 ––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

 ––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

 ––– $750 ––– ––– $750 –––

Snow Resort Closure~

sub-limits:

 ––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

 $100 $100

COVID-19 Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 ––– $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

Ready to ride overseas?

Get a travel insurance quote for your next motorcycle holiday and compare the benefits before you go.

Where is your next trip?

From exploring Indonesia by scooter to tackling Nepal's Annapurna Circuit on a motorcycle and cruising Italy's Amalfi Coast on a Vespa, discover travel insurance for your next two-wheeled adventure.
 
 
 
 
 
 
 
 
 
 
 
 

FAQs about travel insurance with motorcycle cover

Under the Fast Cover policy, you are NOT automatically covered. To have cover to ride a motorcycle, moped or scooter you will need to purchase the Motorcycle Pack available to travellers aged 74 and under at the time of policy issue. 

With the Motorcycle Pack, cover is available to ride a motorcycle, moped or scooter with an engine size no greater than 125cc provided you hold both a current Australian Drivers Licence (Provisional or higher) (regardless of the local laws) and a licence valid for the country that you are riding in.

If you will be riding a motorcycle, moped or scooter with an engine size greater than 125cc, you must hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that you are riding in.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.  

Cover is not automatically available for you being a passenger on a motorcycle, moped or scooter unless you take out the Motorcycle Pack and pay the additional premium. If you are the passenger on a motorcycle, moped or scooter, the person in control must hold a current licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter that is valid for the country that you are in. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Cover is available under specific benefits of our policies for motorcycle riding, but you will need to take out the Motorcycle Pack and pay the additional premium, available to travellers aged 74 and under at the time of policy issue. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS). 

Cover is available for motorcycle riding on sealed or unsealed public roads only but you will need to take out the Motorcycle Pack. There is no cover for riding off road. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.   

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS). 

You are NOT automatically covered to ride a motorcycle OR travel above 3000 metres. 

If you plan to ride or be a passenger on a motorcycle, moped or scooter you will need to take out the Motorcycle Pack for an additional premium, available to travellers aged 74 and under at the time of policy purchase.  

If you are riding a motorcycle on a public road and not off road, and comply with the conditions of your policy, cover is available under the Motorcycle Pack for riding above 3000 m. However, if you are going to be getting off your motorcycle at any time to hike, trek or tramp above 3000 m and under 6000 m, you will need to take out the Adventure Pack for this activity and comply with the conditions of your policy. 

All claims are assessed on a case by case basis and the outcome of your claim will depend on your particular circumstances. 

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS). 

Cover is available under our policies to ride a moped, scooter or motorcycle with an engine capacity under 125cc and greater than 125cc but you will need to purchase the Motorcycle Pack and pay the additional premium. Specific conditions such as license requirements apply depending on the engine capacity.  

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Cover is not automatically available for riding a motorcycle. If you require cover under our Motorcycle Pack for riding a motorcycle you need to purchase the Motorcycle Pack and pay the additional premium. 

If you are a rider in control of a motorcycle, moped or scooter with an engine capacity greater than 125cc you will be covered under Motorcycle Pack provided you hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of  motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that you are riding in. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

You are NOT automatically covered to ride a motorcycle, moped or scooter. For cover to be available to ride a motorcycle, moped or scooter you need to: 

  1. Take out the Motorcycle Pack and pay the additional premium 
  2. Comply with the requirements as per stated in our PDS regarding riding or being a passenger on a motorcycle, moped or scooter. 

We note the following licencing requirements: 

  • if you are the rider in control of the motorcycle, moped or scooter with an engine capacity of 125cc or less, you need to hold both a current Australian Drivers License (Provisional or higher) (regardless of the local laws) and a licence valid for the country that you are riding in. 
  • if you are the rider in control of the motorcycle, moped or scooter with an engine capacity of with an engine capacity greater than 125cc, you must hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that you are riding in.   

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Fast Cover Travel insurance does not automatically cover you for riding a motorcycle overseas with a license issued by Motorcycling Australia. If you plan to ride or be a passenger on a motorcycle, moped, or scooter while overseas, you can purchase the Motorcycle Pack as an add-on to your Fast Cover travel insurance policy, provided you are eligible, please refer to the eligibility criteria for Motorcycle Pack in the Product Disclosure Statement (PDS). 

Motorcycle Pack add-on is available under our Frequent Traveller Saver policy, Snow Sports policy, Comprehensive policy, Standard Saver policy, and Basic policy. Please note that Motorcycle Pack is not available under our domestic policy. 

You must meet the specific licensing requirements for the type of vehicle you intend to ride. If You are the rider in control of a motorcycle, moped or scooter with an engine capacity of 125cc or less, you must hold both a current Australian Drivers Licence (Provisional or higher) (regardless of the local laws) and a licence valid for the country that You are riding in.  

If You are the rider in control of a motorcycle, moped or scooter with an engine capacity greater than 125cc, you must hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that You are riding in. 

Cover under the Motorcycle Pack benefit is subject to the terms, conditions, exclusions, limits, and sub-limits outlined in the Product Disclosure Statement (PDS). It is important that you carefully read and understand these terms to ensure the cover is suitable for your needs. Coverage is only available if eligibility criteria are met, and it is your responsibility to comply with the licensing requirements of the country you are travelling to. 

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Any advice is general advice only and does not take into account your individual objectives, financial situation, or needs. Please consider the PDS before making any decisions regarding the purchase of travel insurance. 

 

You are not automatically covered for riding a motorcycle, moped or scooter. To be covered for riding a motorcycle, moped or scooter you must take out the Motorcycle Pack and pay the additional premium. 

You can ride your motorcycle, moped or scooter on sealed and unsealed public roads only. There is no cover for riding off road. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

There is no cover under Fast Cover travel insurance policies for motocross riding, whether on a motorbike or a bicycle. This means there is no cover for any claims arising from participation in motocross riding, regardless of your policy type or whether the Adventure Pack has been purchased. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

Adventure travel hub

Discover travel resources, advice and tips for your next adventure trip.

world globe

Travel guides

We’ve created travel guides for many destinations to help you learn about local safety, health tips, laws and customs, tourist advice, what to pack, transport options, contact details, and seasonal activities before you go. ~

Adventure travel hub

Plan your next adventure holiday with Fast Cover's Adventure Travel Hub and explore tips, travel inspiration and adventure activities for your next trip. ~

Backpacker travel, health and safety tips

Fast Cover’s backpacking guide provides Australian backpackers with key health and safety travel tips for backpacking through Europe, Asia and beyond. ~

Things you need to know

^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

† Fast Cover may have a referral arrangement with this company. Ratings and awards are only one factor to be considered when deciding whether this product is right for you. Ratings are accurate as at 06/07/26. Check Product Review and Google for current ratings. 

^ Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding whether travel insurance is right for you and which policy is right for you and your individual needs.   

# If you change your mind within 25 days of purchasing your policy, you can cancel it for a full refund if you haven’t started your trip, haven’t made or intend to make a claim, used any of your rights under your policy, or used your policy to obtain a visa. After this period, partial refunds may apply as outlined in the PDS. 

~ These are only some of the resources, please do your own research to find out more information as per your specific needs and circumstances and whether the information provided in these resources is correct and current.