Hiring a scooter or motorbike is a popular way to explore, but it’s one of the most common causes of serious injury for tourists. Insurers know this, and set strict conditions. Here’s what to check.

What most policies require

• A valid licence. You normally need the correct licence for the engine size and type of vehicle, in the UK and in the country you’re riding in. A car licence isn’t always enough.
• A helmet. You’re usually required to wear one, and claims can be refused if you don’t.
• Engine size limits. Many policies cover only smaller engines, such as up to 125cc, unless you add cover.
• Legal riding. Riding while drunk or breaking local laws can invalidate cover.

Common reasons claims are refused

• You didn’t hold the licence needed for that vehicle
• You weren’t wearing a helmet
• Alcohol was involved
• The bike was above the engine size limit
• You were riding off-road or racing

See common exclusions and alcohol-related incidents.

What cover doesn’t include

Travel insurance generally covers your own injuries and medical costs, if the conditions are met. It doesn’t usually cover damage to the hired vehicle, and it often excludes liability arising from using a motor vehicle. In many countries rental companies will hold you responsible for damage or theft, and local motor insurance requirements may apply. Ask the rental company what is included, and check your policy for any cover for hired vehicles.

Tips before you ride

1. Check your licence and the rental company’s requirements.
2. Tell your insurer you plan to ride and ask whether it’s covered.
3. Wear a proper helmet and protective clothing, and carry your documents.
4. Inspect the bike and take photos of existing damage before riding.
5. Avoid riding at night, or in poor road conditions you aren’t used to.
6. Check what happens to your cancellation and medical cover if you’re injured. See how to make a claim.

Other road trips

For campervans and car travel, see travel insurance for campervans and road trips.

Frequently asked questions

Does travel insurance cover riding a moped abroad?

Often only if you hold the correct licence, wear a helmet and stay within the engine size limit. Check your policy.

Is damage to the hired bike covered?

Generally not. Check the rental agreement and ask about any specific cover.

Will my car licence be enough?

Not always. Policies and local laws often require a motorcycle licence for the engine size.

What if I wasn’t wearing a helmet?

Many insurers will refuse a claim if you weren’t wearing one.

Related travel insurance guides

• Adventure Sports Travel Insurance: Hiking, Climbing and Zip-Lining
• Cruise Travel Insurance: What Standard Policies Miss
• Travel Insurance for Camper Vans and Road Trips
• What Does Travel Insurance Cover? A Plain-English UK Guide
• How Much Does Travel Insurance Cost in the UK in 2026?

This article is general information, not financial or insurance advice. Always read the policy documents before you buy.