Is insurance needed for riding a motorbike in the Philippines?

Yes, special insurance for riding a motorbike in the Philippines is highly advisable, and in most cases—necessary. It's important to understand that standard tourist medical insurance, which is purchased for a trip, does NOT cover injuries and accidents that occur while operating a motorcycle, scooter, or moped.

For this type of activity, you need extended insurance that includes the option for "active sports" or "motorcycle/moped driving". You can arrange it online in advance. It's not necessary to buy a policy for the entire duration of the trip—you can get insurance only for the days when you plan to rent a vehicle.

In addition to medical insurance, when renting a vehicle, you will likely be offered local damage insurance (CDW). Carefully review its terms, the deductible (the amount you pay yourself in case of damage), and decide if you need it.

Remember that riding without insurance is a huge financial risk even in a minor accident. You can compare and choose suitable insurance on trusted aggregators. For more details on all risks and ways to minimize them, read our guide: Renting a vehicle in the Philippines.

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