Salutary tale for Motorcyclists going abroad.

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Sun 25 Jun 2023 11:18
Salutary tale for Motorcyclists going abroad. - barney100

Some one near us went on a continental road trip on his motorbike with some pals. He had a nasty accident requiring a hospital stay and an operation. Thing is the insurance company won't pay out as the CC of the bike was higher than covered. £25K, maybe there is a a way out of this but shows us all to be very careful that insurance covers all aspects of a foreign trip.

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Sun 25 Jun 2023 12:44
Salutary tale for Motorcyclists going abroad. - Bromptonaut

Not just motorcyclists; all sorts of holiday activities are potentially 'dangerous' and so not covered or need you to pay extra.

Obvs, one should check but it's easy to overlook stuff.

Being drunk is another pratt trap. Had a bloke wanting advice a year or two back who fell off a hotel balcony while utterly kaylied. No life changing head injury or whatever but needed bones screwing back together with time as an in-patient in Florida.

Bill was about what he earned in a year...

Edited by Bromptonaut on 25/06/2023 at 12:44

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Sun 25 Jun 2023 12:54
Salutary tale for Motorcyclists going abroad. - gordonbennet

Will insurers cover the results of willing self inflicted idiocy such as the drunk or drugged trying for their weekly Darwin award?

I was stunned to read elsewhere some years ago that an insurer had paid out £thousands to replace the entire fuel system on (ISTR) a big BMW following misfuelling.

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Sun 25 Jun 2023 16:28
Salutary tale for Motorcyclists going abroad. - focussed

Some one near us went on a continental road trip on his motorbike with some pals. He had a nasty accident requiring a hospital stay and an operation. Thing is the insurance company won't pay out as the CC of the bike was higher than covered. £25K, maybe there is a a way out of this but shows us all to be very careful that insurance covers all aspects of a foreign trip.

He didn't know about the EHIC/GHIC card ? www.gov.uk/government/news/uk-launches-global-heal...d
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Sun 25 Jun 2023 21:30
Salutary tale for Motorcyclists going abroad. - Bromptonaut

Some one near us went on a continental road trip on his motorbike with some pals. He had a nasty accident requiring a hospital stay and an operation. Thing is the insurance company won't pay out as the CC of the bike was higher than covered. £25K, maybe there is a a way out of this but shows us all to be very careful that insurance covers all aspects of a foreign trip.

He didn't know about the EHIC/GHIC card ? www.gov.uk/government/news/uk-launches-global-heal...d

The government's page says it covers "emergency and medically necessary" treatment.

I don't think that covers all the glue and nails needed if you've broken yourself in a high power/high speed m/c accident. And if it does you may be liable for a significant contribution is would be the case for nationals of the country where it happened.

It certainly will not extend to an Air Ambulance home.

Edited by Bromptonaut on 25/06/2023 at 21:32

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Sun 25 Jun 2023 22:40
Salutary tale for Motorcyclists going abroad. - bathtub tom

Local story of someone who had an incident requiring heart surgery whilst on a visit to Germany. Insurance refused to cough up, due to pre-existing condition. Bill for £tens of K. Turns out they had an EHIC/GHIC card and were, fortunately, treated in a state hospital and only had to pay the same as a resident.

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Mon 26 Jun 2023 01:18
Salutary tale for Motorcyclists going abroad. - Bromptonaut

Local story of someone who had an incident requiring heart surgery whilst on a visit to Germany. Insurance refused to cough up, due to pre-existing condition. Bill for £tens of K. Turns out they had an EHIC/GHIC card and were, fortunately, treated in a state hospital and only had to pay the same as a resident.

Yebbut, how much was that?

If he were German would it have been covered by the insurer who fills the gaps as his history/pre existing wot nots were a known thing?

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Mon 26 Jun 2023 10:12
Salutary tale for Motorcyclists going abroad. - Mike H

Yebbut, how much was that?

If he were German would it have been covered by the insurer who fills the gaps as his history/pre existing wot nots were a known thing?

Probably nothing, if it's broadly similar to Austria. We're UK pensioners living in Austria and get the same state health cover as locals, but we don't pay anything. Health insurance is mandatory, locals can elect for the state scheme (the amount depends on income, not state of health) or private insurance, but there's no concept of "pre-existing conditions" in general. My wife broke her arm in March and spent a week in hospital having had two operations to repair it. The only bill was 15 euros per night for bed and breakfast, which is the norm. She's having ongoing physiotherapy, occupational therapy and electrotherapy all free of charge.

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Mon 26 Jun 2023 21:36
Salutary tale for Motorcyclists going abroad. - Brit_in_Germany

They would only have had to pay the 'board and lodging' costs - around €20/day, if I remember correctly.

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Mon 26 Jun 2023 10:04
Salutary tale for Motorcyclists going abroad. - focussed

Some one near us went on a continental road trip on his motorbike with some pals. He had a nasty accident requiring a hospital stay and an operation. Thing is the insurance company won't pay out as the CC of the bike was higher than covered. £25K, maybe there is a a way out of this but shows us all to be very careful that insurance covers all aspects of a foreign trip.

He didn't know about the EHIC/GHIC card ? www.gov.uk/government/news/uk-launches-global-heal...d

The government's page says it covers "emergency and medically necessary" treatment.

I don't think that covers all the glue and nails needed if you've broken yourself in a high power/high speed m/c accident. And if it does you may be liable for a significant contribution is would be the case for nationals of the country where it happened.

It certainly will not extend to an Air Ambulance home.

europa.eu/youreurope/citizens/health/unplanned-hea...m Glue and nails are a necessary part of treatment after an accident.
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Mon 26 Jun 2023 09:03
Salutary tale for Motorcyclists going abroad. - barney100

I'll pass it on, thanks.

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