Am I covered if I ride a scooter or moped overseas?

Riding a scooter or moped overseas can be a fun and easy way to get around. At nib, we want to help you understand what’s included in your cover so you can ride with more confidence.

When might I be covered?

You may be covered to ride a scooter or moped overseas, but only if you meet all the required conditions. This includes:

• The scooter or moped has an engine capacity of 250cc or less

• You are wearing a helmet at all times

• You hold a full motorcycle licence that:

  • Is valid in Australia

  • Is valid in the country you’re visiting

If you don’t meet these conditions, your claim may not be paid.

It’s important to check your policy and read the terms and conditions, limitations and exclusions before you travel so you know exactly what applies to you.

What situations are not covered?

There are clear rules around scooters and mopeds use. Cover does not apply if:

• You ride without a valid motorcycle licence

• You don’t wear a helmet

• The scooter is over 250cc

• You’re riding illegally in that country

• You’re a passenger on a scooter that doesn’t meet these conditions

The same applies to e-scooters and e-bikes. Cover does not apply if:

• The e-scooter has a maximum speed capacity greater than 25km/hr

• The e-bike has a maximum speed capacity greater than 35km/hr

• You’re not wearing a helmet

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Tips to stay safe and covered

Before you ride, take a moment to check:

• Do I have the right licence for this country and at home?

• Am I riding a scooter 250cc or less?

• Will I wear a helmet every time?

• Do I understand local road rules and conditions?

• Have I checked what my policy says about scooter use?

What should I do if I have an accident?

If you’re involved in an incident:

1. Get medical help immediately if needed

2. Contact local authorities if required

3. Collect details (photos, rental agreement, reports)

4. Notify the emergence assistance team as soon as possible for guidance. Our team can help you understand your next steps and what may be covered.

Cover is subject to the full terms, conditions, limitations and exclusions outlined in the PDS. Read your policy carefully and contact Customer Support if you have any queries.

nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

We are a signatory to the General Insurance Code of Practice developed by the Insurance Council of Australia and enforced by the Code Governance Committee, an independent body whose purpose is to drive better Code compliance and help the insurance industry improve its service to consumers. The Code is designed to promote good relations and insurance practice between insurers, authorised representatives and consumers. The Code sets out what we must do when dealing with you. You can obtain a copy of the Code from codeofpractice.com.au.

*The discount applies to the total nib travel insurance premium and is for customers that currently hold an Australian health insurance product, or an Overseas Student Health Cover product with nib. The discount is not available to customers who hold an Overseas Visitors Health Cover product. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.