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Scooter Hire Crash Overseas? Your Travel Insurer Will Want Answers to These 3 Questions

5 October 2018

Want to hire a scooter in Bali or South East Asia? Just don’t expect your travel insurance to kick in if you have an accident. Unless you can say yes to 3 important questions.

As tempting as it is to jump on a scooter and cruise through rice paddies in Bali, Thailand and other Aussie holiday haunts, the reality is that if you end up in hospital from a big fall or crash, most travel insurers are unlikely to cover your medical costs. Unless you meet very specific conditions.


So when is it safe to hire a scooter or motorcycle overseas? Provided you’re not doing anything completely silly, or driving after sinking a few Singhas, Travel by Us travel insurance will cover your medical costs if you meet these rules:

  1. You have a current Australian motorcycle license, or one valid for the country you’re travelling in, allowing you to drive the same cc powered bike.
  2. You were wearing a helmet.
  3. If you had a passenger on board, your Australian license no longer counts. In this case, you’re only covered if you’re carrying a valid license for the country you’re in.


  • If the rider crashes, and does not hold a motorcycle licence, valid for the country you’re in, then you’re not covered either. Australian licenses don’t work in this scenario.
  • You were wearing a helmet.


According to Smartraveller, motorcycle accidents involving Aussies are all too common in South-East Asia, where scooter or moped hire is seen as an everyday, normal thing to do.

“Motorcycle accidents involving Australians are very common in South-East Asia, particularly in areas such as Bali, resort areas of Thailand and in Vietnam. Australian travellers should ensure they wear helmets, preferably full-face helmets, and other protective clothing when riding motorcycles, scooters and mopeds overseas in order to minimise the risk of serious injury.”

If you’re going to do it, remember to check carefully that you have the right licence type, that you wear a helmet, and that you don’t drive while under the influence, or while engaging is other risky behaviours. If you’re ever unsure you can also chat to our team and we’ll sort you out.

“Perhaps travel cannot prevent bigotry, but by demonstrating that all peoples cry, laugh, eat, worry, and die, it can introduce the idea that if we try and understand each other, we may even become friends.”

− Maya Angelou