Holiday road trips are a great way to explore the world, visit places outside of the usual tourist spots and experience the local flavours of your destination. If you’re planning a road trip for your next travel adventure, nib insurance can help.
What are the benefits of travel insurance for road trips?
Whether you’re road tripping around Australia with family or hitting the road overseas with friends, our policies can cover you (up to policy limits) for:
- Overseas medical expenses, if you suffer an accident or injury
- Medical evacuation and repatriation
- Rental vehicle expenses if your hire vehicle gets damaged or stolen
- Luggage and personal effects if your items are stolen, damaged or lost
- Cancellation cover if you need to cancel or rearrange your trip due to events such as illness or natural disasters
- 24/7 emergency assistance if something goes wrong and you need help
We offer policies for Australian domestic travel and international travel. It’s up to you to choose the right policy for your travel needs. You can buy a policy anytime, online, 24/7.
2-wheels or 4-wheels?
Motorcycle riding
Our policies can offer cover for riding a motorcycle, scooter, moped, e-scooter, e-bike and any other motorised bike but there are some conditions. To be covered you must:
- Hold a valid motorcycle licence recognised in the country you are travelling. (International driving permits aren’t always accepted so check before riding.)
- Hold a valid licence in Australia for the same type of motorbike.
- Obey the local laws and road rules
- Always wear a helmet, whether as a driver or a passenger - even if it isn’t required by law in the country.
What do we mean by "motorbike"?
When talking about nib travel insurance, all references to motorbikes include motorcycles, mopeds, scooters and any other motorised bike.
Always be sure to check the terms and conditions of your policy. If you’re not sure about something, contact us.
What do we mean by "rental vehicle"?
No complicated definitions here - we’ve kept it simple…
any 4-wheeled vehicle with a gross vehicle mass less than 4.5 tonnes that you:
- hire from a registered rental vehicle company; and
- have a rental vehicle agreement in writing.
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Rental vehicle excess cover
Most car rental companies give you the option to reduce the rental vehicle insurance excess payable if your vehicle is damaged or stolen, resulting in increased rental costs.
Alternatively, nib includes coverage of $5k for the rental vehicle insurance excess on all our plans. You can increase this up to $10k for an additional premium.
What's covered for rental vehicles
nib may cover the rental vehicle insurance excess, or the cost of repairing the vehicle (whichever is lower), if the vehicle:
- is damaged in an accident
- is damaged by storm
- is damaged by fire
- is stolen.
To be covered:
- the vehicle must be rented through a rental company,
- you must take up valid comprehensive motor vehicle insurance for the period of hire and,
- the traveller must be a nominated driver on the agreement.
Can't return the vehicle?
If you can’t return a rental vehicle due to a claimable event like illness or injury, our policies include coverage up to policy limits for costs of returning it to the nearest depot.
Hot tips for drivers
Get familiar with local road rules and be extra cautious when hitting the road. What you’re used to on Australian roads is likely very different abroad!
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What's not covered for motorcycles and rental vehicles
There are some things we can’t cover, including but not limited to:
- Driving or riding while under the influence of drugs or alcohol
- Riding a motorcycle, moped or motor scooter with an engine capacity over 250cc
- Riding an e-scooter with a speed capacity greater than 25km/h, or e-bike with a speed capacity greater than 35km/h
- Riding an all-terrain vehicle or quad bike unless as part of a licensed tour
- Not following local road laws and rules
- Personal liability
- Racing of any kind
If you have any questions about road trip cover, you can contact us.
FAQs
Our 24/7 Emergency Assistance team can help in the event of a road accident by navigating language barriers, finding the nearest doctor and arranging medical transport. We can help pay for treatment and support your relatives back home.
Notify the local police, hotel, tour guide or other authority as soon as possible and get reports, receipts and other relevant documentation. You will need these to make a claim. You can submit a claim online 24/7, even while you’re still travelling.
The above features and benefits are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.