Travel alert
Before your trip, check the latest government advice for any travel alerts for your destination.
Travel insurance for road trips
If you’re planning a road trip for your next overseas adventure, learn how our travel insurance plans could help, and hit the open road without the roadblocks.
15% off travel insurance for nib Health members*
What are the benefits of travel insurance for road trips?
Planning an overseas road trip? Our policies may 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
The information on this page is relevant for our International travel plan.
Motorbikes and rental vehicles
The number of wheels your vehicle has makes a difference to the cover we provide. Our policies include plans which offer cover for motorbikes and rental vehicles:
Motorcycling benefits
Motorcycling is an effective way to get around overseas however, you should consider a few things before riding.
Rental Vehicle Excess
Renting a car on holidays can give you the freedom to explore your destinations on your own terms but it’s good to know what to do when presented with often confusing options by providers.
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 four-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.
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.
Rental vehicle insurance excess benefit is included on most plans, check the PDS for limits and exclusions.
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 tip 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!
What's not covered for motorcycles and rental vehicles
There are some things we can’t cover for on our International plan, 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.
Frequently asked questions for motorcycles and rental vehicles
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.
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.