My neighbour is going to a small island in Indonesia next month and the transport there is mainly motorcycle taxis. He was alarmed to find out this week he is no longer covered with his cc insurance (changed T&Cs) if he is pillion on a registered motorcycle taxi. On his behalf, could you please share more about the $40 policy that covers motor cycles.
Have a look at Go Insurance (underwritten by Lloyds).
The General Exclusion Section entry in the PDS *at that time* included the following:
Use of a two-wheeled or three-wheeled motor vehicle
(including but not limited to; motorcycles, mopeds and
scooters) unless;
i) you as the driver or passenger are wearing a helmet (this
is irrespective of the law in the country you are in);
ii) you, or the driver if you are the passenger, hold a driving
licence appropriate for the country you are in, and
iii) if using a motorcycle with an engine capacity of 125cc or
higher, you hold a current and valid unrestricted license
required for driving an equivalent rated motorcycle in
Australia up to a maximum 1200cc.
Of course *everybody* asks to see the moto taxi drivers license before they jump on…