Dirt Bike Travel Insurance

Overseas Dirt Bike Holidays

Riding off-road is incredible fun, even moreso when it's part of a biking holiday. Whether that's riding adventure or enduro bikes on trails with your mates, competing in overseas trials competitions or throwing yourself over a massive bombhole at motocross events... however, even the most experienced riders can have an accident.

We've all got a story to share over a beer of how things went wrong andthis one-time. You've possibly even got the scars to prove it in a game of top trumps, but none of us want to be talking about that time it cost us thousands of pounds because we didn't have the right insurance.

So, if you're going on an overseas dirt bike event or riding off-road, then you will most definitely need what's known as Repatriation Insurance - in case you end up in hospital or unable to get home after an accident.

So what is Dirt Bike Repatriation Insurance?

Travel and repatriation Insurance for dirt bike riders

The majority of normal Travel Insurance policies exclude riding off-road, considering things like Enduro and Motocross riding as 'Hazardous Activities'. It's also possible that your EHIC card (or the GHIC card that replaces it) might not be accepted by foreigh hospitals if you've hurt yourself doing something they consider to be dangerous, i.e. putting yourself deliberately in harms way.

If you don't have the right cover and you get hurt riding off-road, competing in a dirt bike event or whilst racing motocross, you may get stuck with some pretty horrible hospital bills... Or worse, unable to come back to the UK on a standard flight without expensive medical evacuation.

Useful things to know about our Dirt Bike Travel Insurance:

1. It's travel insurance, but it also includes options (or Activity Packs) for various dirt bike activities with cover up to £250,000 towards emergency medical costs and up to £100,000 for emergency repatriation costs in the event of an accident.
2. You can upgrade to include Amateur Racing for an additional premium.
3. You need to purchase cover BEFORE you travel (it also needs to cover the whole trip) - the policy includes some cancellation benefits if you need to call off your travel

Important conditions to be aware of (read the full policy for complete T&Cs):

• You must be a UK resident and be travelling from and back to the UK
• You need to select the appropriate Activity Pack (motocross or amateur racing)
• You need to complete the medical screening questions and declare pre-existing medical conditions
• You need to wear a motorcycle helmet
• You need to call the emergency assistance line at the earliest opportunity to notify the insurer and get support if you end up in hospital

There are some notable exclusions as well:

• There is NO cover medical costs incurred at private hospitals.
• There is NO cover for lump sum payouts to you for accidental injury or death on track.
• There is NO cover for third party liability when riding on track - In other words it won't pay someone else for any injury or damage to their property that you might cause (everyone signs a disclaimer to say they are doing the trackday at their own risk anyway).
• There is NO cover any damage to your bike.

Always check the UK Foreign and Commonwealth Office (FCO) website for travel advice on the country you are travelling to You will NOT be covered for claims arising from non-essential trips like riding off-road if you travel against FCO advice.

When riding in Europe (EEA Countries)

The European Health Insurance Card (or EHIC) or it's newer Global Health Insurance Card (GHIC) is issued FREE of charge and allows anyone who is covered by a statutory social security scheme of an EEA country to receive medical treatment in another member state free or at a reduced cost, if that treatment becomes necessary during their visit.

An EHIC/GHIC card may be rejected for motorcycle sports injuries and does NOT cover repatriation!

You should defnitely take one of these, as you may fall ill whilst abroad and need to rely upon it, however there's a good chance they won't accept one of these cards for off-road motorcycle related injuries. This repat Insurance is intended to compliment the EHIC/GHIC card by providing additional emergency medical costs for valid claims, but additionally provides up to £100,000 repatriation cover, where medically necessary and subject to the assistance companies approval.

IMPORTANT: This policy does NOT cover medical costs incurred at private hospitals. Always call the emergency assistance line at the earliest opportunity to notify the insurer and get support from their assistance company.

Cover from a brand you can trust...

Don't just take our work for it. Not only do 98% of customers recommend us on TrustPilot, we also work in partnership with a number of well known trackday partners, including:

• Properly Protected
• 999Lazer

Other Dirt Bike Insurance Products

We have a variety of insurance products for bike enthusiasts whether your bike is for road, dirt or track. In addition to Motorbike Insurance and Multi Bike Insurance, we have the following products designed for dirt bike riders and amateur racers:

• Dirt Bike Fire & Theft Insurance for bikes that are secured in a locked building with no V5 required for race bikes (optional 'In Transit' cover available)
• Race Van Insurance for bikers who have a social use bike transporter (no commercial use)
• Daytime MOT Insurance for dirt bikes that are ridden on the road (legally allowed), but do not have the full lights and indicator gear