Frequently Asked Questions
We hope that the FAQs below are helpful. If you cannot find the information you are looking for, please call us on 01733 907000* or email email@example.com and we would be happy to answer any questions (you can also find links to other useful pages including the Insurance Product Information Documents (IPID), at the bottom footer of this website).
FAQs below for:
What types of Buggy Insurance cover are available?
The usual types of policies are available for road-legal buggy insurance (much like a car), as well as fire and theft cover for off-road only ATVs that don't have a V5 or are registered SORN:
- Third Party Only (TPO)
- Third, Party, Fire and Theft (TPFT)
- Fire & Theft Only (SORN or unregistered vehicles when they are kept in a locked building)
What driving licence do I need for a Road Legal Buggy?
Road-Legal Buggies can be driven on a Full Car Licence, or on a Motorcycle Licence if passed before 1997 (in which case this will be noted as a B1 category). You will need specialist buggy insurance which is available from BeMoto.
Can you insure a buggy?
If your Buggy is classed as road-legal then you will need to buy road-legal buggy insurance, which is very much like car insurance but only available for specialists like BeMoto.
- Third Party Only (TPO)
- Third, Party, Fire and Theft (TPFT)
If your Buggy is unregistered or is declared SORN we also offer Fire & Theft Only policies, also known as SORN Insurance for when it is locked up safely in a locked building.
Where can I buy ATV insurance?
ATV Insurance is a specialist area of the market and only available by phone from selected brokers like BeMoto. We can offer Bugg Insurance for road-legal ATVs, UTVs and recreation buggies (including sports) as well as Fire & Theft Only cover for unregistered off-road only and youth buggies.
Classic Bike Insurance FAQs
Is classic bike insurance cheaper?
Generally yes, classic motorbike insurance is cheaper as they are typically used less often and cover less miles, in addition they are often ridden more carefully to avoid damage and often on sunny days only (no icy and salty roads) - classic bikes aren't stolen as frequently either.
For this reason the premiums are often cheaper and the excesses are lower, usually starting at £50 or £100.
However if you want to ride the bike every day and commute to work, doing over 3,000 miles per year for example, then it may not attract the cheapest classic bike insurance premiums as it is being ridden like any "everyday" bike.
What age is classic bike insurance?
The age a bike must be to qualify forclassic bike insurance can vary but generally they start at 20 years old on some of our schemes, with others not kicking in until the bike is older, for example old enough to not require an MOT and qualify for free road tax (also known as Vintage Bike Insurance).
We also have products designed for modern classics and future classics, for example modern bikes that are iconic or rare and are treated with care or not ridden much (if at all), which will eventually be classed as "classics" in the future.
Can I get agreed value bike insurance?
BeMotoClassic Motorcycle Insurance offers FREE Agreed Value for classic, vintage and custom bikes on request. We do not charge a fee for this service and will require some photos of the bike from various angles to assess with the insurer the bikes condition and confirm the value is reasonable.
GAP Insurance FAQs
What is Combined Return to Invoice and Finance GAP insurance?
For the first 48 months, BeMoto Motorbike GAP Insurance (RTI) provides the difference between the settlement from your motorbike insurance or Glass’s valuation whichever is greater and the purchase price of the motorbike; or if the early settlement figure is greater on your finance agreement.
However... for months 49 to 60, it also provides the difference between the settlement from your motorbike insurance and the early settlement figure of your finance agreement. This is a time period which many insurers don’t provide cover for, but this policy does for no extra cost!
This policy is, therefore, suitable if you have bought your motorbike outright, financed the purchase or have personally leased or taken a contract hire motorbike.
Whose name should I put my Motorbike GAP Insurance policy under?
The person named in the BeMoto GAP Insurance 'Policy Certificate' must be the registered keeper of the Motorbike in respect of Contract Hire/ Lease Finance and the authorised User of the Motorbike and (if applicable) who is named in the Finance Agreement.
Does a Private Plate affect when I buy Motorbike GAP Insurance?
No. You can still purchase BeMoto Motorbike GAP Insurance immediately using the original registration.
Once your private plate is fitted to the motorbike please advise us of the new details and your records will be updated free of charge.
My Comprehensive Insurer is offering me a 'new for old' replacement for the first 6 months, why do I still need Motorbike GAP Insurance in the first year?
There may be instances where your insurer reduces your settlement to market value only within this 'new for old' period. This can be for a variety of reasons, which include things like exceeding the annual mileage limits, adverse condition of the motorbike, because the motorbike has been stolen rather than being involved in an accident or if a replacement motorbike cannot be sourced within a certain number of weeks of the incident.
In addition, you only have 185 days from the start of bike ownership to purchase your Motorbike GAP Insurance policy. Once your 'new for old' period passes, if you choose not to have GAP insurance in the first 6 months and 185 days pass, you will be left with just your insurance pay-out for the remaining period of ownership and could be left with a shortfall 2, 3 or 4 years down the line.
If my motorbike is written off by an uninsured driver, will my GAP Insurance pay out?
BeMoto Motorbike GAP insurance is conditional on you holding a Comprehensive bike insurance policy for the duration and your claim being settled by your insurer or the third party (at fault) persons insurer. In most cases your insurer will settle your claim in the absence of a third party policy, then subsequently try to recover their losses from the Motor Insurance Bureau (MIB). As long as your insurer pays out, then this policy will also make a settlement.
Are Named Riders covered by my Motorbike GAP Insurance policy?
All named riders on your main comprehensive motorbike insurance policy are covered on our Motorbike GAP Insurance; however, GAP claim settlement is always conditional on your main motorbike insurer settling your total loss claim.
Anyone riding your motorbike under their own motor insurance or on a temporary/short term motor insurance policy will NOT be covered.
What happens to my GAP Insurance if I change my motorbike mid term?
If, having purchased a BeMoto Motorbike GAP Insurance policy, you then subsequently change your motorbike before the policy expires, you will be provided with an unexpired monthly pro rata rebate of the original premium (subject to a £20 administration fee) which can be used in one of two ways:
- It can be used by you as part of the premium for a new policy for your new motorbike, or
- You can simply keep the rebate and use it as you wish.
Is my GAP Insurance valid if I take the motorbike abroad?
Yes BeMoto Motorbike GAP Insurance covers you if a Total Loss occurs within Great Britain, Northern Ireland, Isle of Man, Channel Islands, Member Countries of the European Community, and any other country for which an international motor insurance Green Card in respect of the Motorbike is effective at the Date of Loss, and provided that your main motor insurer settles your claim.
Are dealer fitted accessories included in my Motorbike GAP Insurance cover?
Yes, up to a maximum of £1500 of dealer fitted accessories are covered by BeMoto Return to Invoice (RTI) Motorbike GAP Insurance, provided that they have been fitted at the time of purchase or unless included in the motorbike manufacturer’s original specification (i.e. any option fitted at the factory).
Whilst this policy doesn't decline claims for aftermarket modifications you make once it leaves the factory / dealership, these costs aren't included in claims because the policy is designed to cover the original invoice price (subject to the £1,500 modifications limit above).
When can I buy a Motorbike GAP Insurance policy?
You can buy a BeMoto Return to Invoice (RTI) Motorbike GAP Insurance policy within 185 days of purchasing your motorbike from a VAT registered dealer. The bike should be less than 10 years old at the time of purchase and have less than 100,000 miles on the clock, otherwise you will need Total Loss Protect cover instead.
How much Motorbike GAP Insurance cover do I need?
Motorbike depreciation is not an exact science because rates can be affected by the retention values of different bikes. Other factors include; mileage, condition, and general marketability at the time of a total loss. Many GAP policies ask you to pick a cover level for the size of gap you want to insure.
However... BeMoto Motorbike GAP Insurance has been made simple to ensure you don't get caught out trying to calculate how much cover to purchase! Just choose the correct value band for your original bike purchase cost, including dealer fitted modifications, and your GAP cover is unlimited up to that chosen amount - so if your bike was £20,000 and you select £15,000-£20,000 level you are covered for any size gap up to the £20,000 you paid.
Will GAP insurance cover the full value of my motorbike?
BeMoto Return to Invoice (RTI) GAP Insurance is designed as a “top-up”, your main motorbike insurer will pay a settlement of market value and the GAP insurance will pay the rest. So whilst it doesn’t cover the full value, it does do exactly what it’s meant to in covering the shortfall or “gap”.
Whilst you can choose the level of cover or value limit of the shortfall, your GAP policy should only be required to match the shortfall between your insurer’s settlement and either:
- The invoice price of your motorbike
- The outstanding finance balance
- The outstanding rental
If you do not qualify for our full Return To Invoice (RTI) GAP Insurance, we still have options for older bikes, bikes that have been owned for a long time or where you bought it privately. Simply check out our Total Loss Protect (25% top up) cover instead.
Motorcycle Road Insurance FAQs
What is a motorbike insurance excess?
An excess is a contribution you are required to pay towards a claim you make on your motorcycle insurance policy, for example if you have a £250 excess you will pay the first £250 of a claim for fire, theft or accidental damage.
There is typically no excess on a Third Party Only bike insurance policy as you cannot claim for your own motorbike damage.
What types of motorcycle can I insure with BeMoto?
BeMoto is owned by bikers with an experienced team and a very wide range of products that cover all types of motorcycles (any type, age or value) - on or off road.
We particularly love modified bikes and multi-bike collections, as well as off-road bikes for track and dirt. Check out our range including:
- Modified bike insurance (we cover declared modifications for reinstatement)
- Custom bike insurance (from kit bikes to bitsa's and full on chopper builds)
- Modern Classic bike insurance (from modern classics to vintage bikes)
- Trike insurance (motorbike or car derived)
- Track bike insurance (including trackday damage)
- Dirt bike insurance (road-legal and off-road)
- Quad bike insurance (road legal and off-road)
- Race van insurance (for bike transportation and sleeping at events/races)
- Road legal buggy insurance
To name a few...
Do BeMoto do travel insurance?
Yes, BeMoto offers travel insurance for bikers who want to tour in Europe, take part on overseas trackdays or off-road riding (whether that's Enduro, Motocross or cross-country adventure riding).
Most normal travel insurance policies exclude cover for riding large capacity motorbikes overseas, in other words they'll cover you for riding a 50cc moped or 125cc scooter but nothing more, so if you decide last minute to jump on a quad tour or hire a cruiser for the day you may not be covered for emergency medical and repatriation costs unless you buy specialist cover like ours.
BeMoto Travel and Repatriation Insurance (often known as "Repat") is also widely used for Euro trackdays and dirt bike holidays, including amateur racing events if you choose the additional options/packages on our policy - no cover is available for professional racing overseas.
How can I get cheaper motorbike insurance?
Clearly it's not as easy to change some things that affect your motorbike insurance premiums, like your age or where you live, but there are things you can do to cut the cost of your bike insurance policy, such as:
- Choose a broker like BeMoto who don't charge you amendment fees to make policy changes (it's not all about the up-front cost).
- Improve your bike's security, for example installing an approved alarm or tracker.
- Keep your bike in a locked building, even if it's only a wooden shed, outbuilding or in your home conservatory if you don't have a traditional garage (subject to some building security).
- Think about the mileage you really need, e.g. why pay for 10,000 miles when you only use it on sunny Sundays? However at BeMoto as we don't charge you an amendment fee you can increase your mileage later if needed with minimal hassle.
- Pay for cover annually rather than pay instalment interest - however ours is one of the lowest interest rates in the market at 20% APR if you need to pay monthly.
- Combine your bike collection together on a multi-bike policy, afterall you can only use your no claims bonus once and you can only ride one bike at a time...
- Pass an advanced riding qualification such as the Institute of Advanced Motorists (IAM), Enhanced Rider Scheme (ERS) and RoSPA Advanced Motorcycle Training.
- Choose the right bike for your experience, type of use and where you live, i.e. if you have no prior riding experience maybe aim for a well recognised starter bike like a 600cc naked/commuter vs. a high performance sports bike or hyper-naked, likewise a high value bike will often require a locked building.
- Increasing your voluntary excess often gives better discounts, but you need to be sure you can afford to lose that money in the event of a claim.
Why not check out our article on how bike insurance is calculated for more information.
Who has the cheapest motorcycle insurance?
It's a subjective question but if you're looking for the cheapest price and not bothered about the quality of cover then a comparison place will answer this question.
However if you care about you and your bike(s) being covered with good quality products and receiving awesome service then BeMoto is widely recognised as offering these benefits... Plus we are competitive, otherwise we wouldn't have thousands of satisfied customers on our books.
- NO amendment fees for policy changes at BeMoto (cheap can come at a cost later on elsewhere)
- FREE Legal Expenses Insurance with all road policies
- Incredible value Titanium Cover
- Multi-Bike specialists for all bike types
Who is best for motorcycle insurance?
That's easy. We think BeMoto are the best for motorbike insurance.
- Privately owned and run by bikers (not some faceless corporation).
- NO amendment fees to make policy changes!
- FREE Legal Expenses Insurance with all road policies.
- Modifications experts (we actually cover declared modifications too).
- 90-days European cover per trip
- 5-star rated service (numerous review sites)
- Multi-bike specialists for any bike type, value, age including modern and classics
What is the difference between a Compulsory and Voluntary Excess?
A compulsory excess is a mandatory amount that an Insurer has specified to underwrite a particular policy. A voluntary excess is your own choice and is always in addition to a compulsory excess. So for example if your compulsory excess is £300 and you have chosen a voluntary excess of £100, your total excess is £400.
Selecting a voluntary excess may help to further reduce your insurance premium, please make sure that you are comfortable with the total excess.
What is No Claims Discount (NCD)?
A No Claims Discount (NCD), or No Claims Bonus (NCB), is a count of the number of years in which you haven’t made a claim on your motorcycle insurance policy. For each claim free year you will be awarded 1 years NCD. Accumulating NCD may help to reduce your premium as well as opening up an insurer's acceptability to insure you on certain motorcycles.
Your NCD needs to have been earned on a UK motorcycle insurance policy, be no more than 2 years old and be available to use (you can't use it on more than one policy).
When you have 4 or more years NCD you can add NCD Protection for an additional premium.
Please see Section titled ‘No Claims Discount (NCD)’ of your Policy Document for more details.
What is Protected No Claims Discount (PNCD) cover?
If you have accumulated 4 or more years NCD and have no more than one claim in the past five years, you can protect your NCD by paying an additional premium.
If you have no more than 2 claims in any 5-year period, your NCD entitlement will be unchanged and your NCD will not be reduced. If you make 2 claims in any 5-year period your NCD protection will end, meaning that the third and any further claims will reduce your NCD
Protected NCD does not protect the overall price of your policy. The price of your policy may increase following an accident even if you were not at fault, however it does ensure your no claims discount is not reduced, further impacting your renewal premium.
Please see Section titled ‘No Claims Discount (NCD)’ of your Policy Document for more details.
Can I use my Car No claims bonus / discount on my motorbike insurance?
In summary no, the NCD needs to be built up on a motorcycle. However in some circumstances we may be able to take NCD not built up on a motorcycle into account, we ask for details of other non motorcycle NCD on our quote journey so please make sure you provide details.
I have purchased a second motorcycle and want to take out a policy, can I use my NCD?
You can only use one set of NCD on one motorcycle at a time. If you do not have a second set of NCD please call us as we may be able to offer you a multi bike policy or apply a discount to recognise your experience.
Does my policy cover me for riding other motorcycles?
It is quite common to get cover for Riding Other Bikes (third party cover only within the UK) included in BeMoto motorbike insurance policies, however this can vary depending on factors, for example: your bikes engine size, the type of cover you have chosen or your occupation.
Please check with our insurance representative to see if this cover applies to you. It is best to check this when you get a quote, take out or renew your policy as it may require us to change the insurer we use for your policy to get this cover if it is important to you.
It will show on your Certificate of Insurance if you have this cover and is only valid within the UK - if you want a mate to ride your bike or you ride theirs overseas then you will need to add each other as named riders on the policy.
Does my motorcycle insurance policy cover me for riding abroad?
BeMoto motorcycle insurance covers you to legally ride in any country which is a member of the European Union and any country which meets Article 8 of EC Directive number 2009/103/EC (insuring civil liabilities arising from using a motor vehicle).
- Third Party Only Cover is included as standard in these countries;
- We also extend your cover for up to 90-days per trip for Fire & Theft (where you have TPFT cover) or Fire, Theft & Accidental Damage (where you have Comprehensive cover).
However, post-Brexit you may need a BeMoto Green Card to ride in Europe and other paperwork like an International Drivers Permit (IDP) from the Post Office.
Do I need to declare non motorcycle claims or driving convictions?
Yes, you must declare any claims or driving convictions irrespective of the vehicle they relate to. In some circumstances, subject to criteria, we may be able to waive the impact to your motorcycle insurance policy.
Multi Bike Insurance FAQs
How is a Multi Bike Insurance quote calculated?
Our multi-bike insurance experts start by calculating which of your motorbikes is the highest rated by our panel of insurers, using the same No Claims Discount (NCD) for each bike. You then pay the premium to insure the highest rated motorbike, which includes your NCD and we add on the other bikes at a nominal cost based on their value.
As your NCD can't be used on multiple bikes at the same time, the additional bikes are added to your policy at a discounted fixed price on the understanding that only one bike can be ridden at a time, but they could all be stolen together when not in use or a garage fire could destroy them all at the same time - so you are only paying for one lot of road risk whilst still covered for the full value of your collection.
Why choose BeMoto for your Multi-Bike Insurance policy?
BeMoto is a multi-bike insurance specialist with flexible packages designed around you and your collection. There is no limit to the number or types of bikes we can cover, we will create a package around your needs. Our policies all include Legal Expenses Insurance as standard, plus there are NO fees to make policy changes and our Titanium Cover provides breakdown for all your bikes on a single policy saving you time, hassle and money.
How does Multi-Bike Insurance work?
You can only use one No Claims Discount (NCD) on one bike policy at a time, so insuring each bike separately can end up being much more expensive when you have to use zero NCD for additional policies.
At BeMoto we can tailor a multi-bike insurance package to suit your needs using your one lot of NCD, no matter how many bikes you have, what type of bikes are in your garage (we can mix modern and classics) or what the total value of your collection is. We simply work out the main bike premium and add the additional bikes for a fixed cost based on each additional bike value.
Why not read our article to find out more about how multibike insurance is calculated.
Can you mix modern and classic bikes on a multi-bike policy?
Simple answer... Yes you can with BeMoto.
Mix modern and classic bikes with BeMoto multibike insurance where our policy is designed around your needs for whatever bike collection you have, including modern and classic road bikes, SORN and laid up bikes, even off-road and track bikes that are unregistered.
Classic and custom builds can also have Agreed Value for no additional charge, once we have seen photos we can agree a valuation with you before applying an endorsement.
Can you insure two or more motorbikes on one policy?
As bike insurance specialists, BeMoto can insure any number of motorbikes as a multibike insurance package, including mixing modern and classics, road use and SORN bikes etc. Typically, you cannot have multiple riders on a multibike insurance policy, so you get significant discounts on any additional bikes - afterall you can only ride one bike at a time - however if you have a household of riders and bikes we can also work with you to create a package that gives you the best of both worlds.
See our feature on how multi-bike insurance is calculated.
How many bikes can be covered on a Multi-Bike policy?
At BeMoto there is no limit to the number or variety of bikes we can insure on ourmulti-bike insurance packages as they are tailored to meet your requirements. We can also insure collections on our SORN insurance policy too, wether they have a V5 or not (including unregistered dirt and track bikes).
We have customers ranging from two bikes to collections with 40+ either in a private garage or storage lock up. So why not give us a call on 01733 907000 and discuss your multi-bike needs with one of our specialists.
You could also try our multi-bike switching service for larger collections to save you time and hassle as well as saving money...
How much does Multi Bike Insurance cost?
BeMoto multi-bike insurance can cost as little as £11.20 per additional bike, but it typically costs around £45-60 per additional bike, once the main bike premium is calculated. This can increase for higher value bikes, but it can also be much cheaper for classic bikes that are generally much lower risk.
See our article on how multibike insurance is calculated.
Quad Bike Insurance FAQs
What driving licence do I need for a Road Legal Quad Bike?
Road-Legal Quad Bikes can be driven on a Full Car Licence, or on a Motorcycle Licence if passed before 1997 (in which case this will be noted as a B1 category). You can find out more about Quad Bike Rules at gov.uk.
What type of Quad Bike Insurance do I need to use it on the road?
Much like car insurance, Quad Bike Insurance for road-legal ATVs has three leveles of cover available:
- Third Party Only (TPO) Insurance is the minimum level of cover needed and only helps cover the cost of third party injury or damage claims against you.
- Third Party, Fire & Theft Insurance is the middle option, which gives you TPO, plus Fire & Theft insurance (does what it says on the tin).
- Comprehensive Insurance includes the above, plus Accidental Damage cover for accidents that are your fault (costs to repair or replace your ATV).
Can I insure a Quad Bike that is not road-registered or is declared SORN?
For SORN Quad Bikes or where they are NOT registered with the DVLA, we also have SORN Quad Insurance cover available, which is just Fire & Theft cover when securely stored in a locked building.
This won't help you ride legally on the public highways though, as it doesn't include the necessary Third Party cover.
Trackday Travel and Repatriation FAQs
Will I be covered for overseas riding during the Covid pandemic?
Our overseas trackday and off-road riding travel and repatriation policies are designed to cover you for emergency medical and repatriation costs following an incident when riding abroad (for the activity you have chosen), however there is an underlying exclusion which specifically excludes leisure holidays and trips to countries that are not on the UK Foreign Office exemption list for all but essential travel, i.e. Trackdays and MotoX holiday are NOT essential travel.
It is your responsibility to make sure you are not travelling against Foreign Office advice as this may invalidate your cover.
Will I be covered for catching Covid-19 or Coronavirus?
Our policies do not provide cover for cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises against all or “all but essential” travel.
Our policies will also not cover any claims, except for the Emergency Medical Expenses section, caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above.
The insurer will also not cover any claims relating to any fear or threat concerning these viruses.
Does Repatriation Insurance cover private hospital treatment?
No. Our policy is for public/state facilities only.
We are not aware of any genuine BUPA style travel policies that "guarantee" private treatment, but encourage you to research the market and read the terms & conditions to make sure you're not just paying more for the same type of cover.
Note: In exceptional circumstances, i.e. only where medically necessary and adequate public facilities are not available, the insurer may consider alternatives to public facilities on a case-by-case basis (this must always be pre-approved by the insurer, otherwise you’ll get the private hospital bill).
What's the difference between a "Repat" policy and my EHIC card?
EEA member states are obliged to treat UK citizens showing a European Health Insurance Card (EHIC), however in some cases (for example hazardous sports injuries) EHIC is sometimes rejected by the hospital – rightly or wrongly. That’s why trackday travel insurance is required, even at public hospitals the bills can quickly rack up. Significantly neither does the EHIC get you repatriated home (where medically necessary and safe to do so) or where necessary repatriate one other person who is required for medical reasons to stay with you.
Remember repatriation can be very costly, for example if you can't safely travel in a normal plane seat, or the airline won't accept the risk of travelling without medical supervision for the journey. Repatriation cover is included within the overall Medical Expenses limit (£50,000 for our Silver Cover and £250,000 for Gold Cover).
In some cases insurers have paid for relatives to fly out, including accommodation, to support customers when stranded overseas whilst receiving treatment. Again an EHIC card won't provide this kind of support when needed.
Find out more about the EHIC here (please note residents of the Isle of Man or the Channel Islands are not eligible): Travelling Outside the EEA (NHS page)
Note: Make sure you answer all medical questions honestly and accurately when buying any travel insurance policy. Pre-Existing conditions will always be excluded unless declared and accepted by the insurer (sometimes for additional premium).
Where does it say "Repatriation" in the policy document?
There are a lot of things covered by these policies so it's sometimes hard to find exactly what you are looking for. The Trackday Organiser (TDO) will want to see the word "Repatriation" to ensure you can get home in the event of an incident on track, in addition to cover for emergency medical treatment costs.
If you look for Page 19 in the top right hand corner of the repatriation policy document pages, you will see three bullets under the word "We will pay for", e.g.
- Additional travel, accommodation and repatriation costs to be made for, or by, you and for any one other person who is required for medical reasons to stay with you, to travel to you from your home country or to travel with you, where it is deemed medically necessary.
Can I take part in a "Fun Race" at the end of the trackday trip?
Yes, as long as it's an amateur race event or session (not professional), but you must upgrade to the appropriate Activity Pack on the final page of the purchase journey.
- Activity pack 4 - Inc Motorcycle Race/Day Event (one off amateur event, e.g. a fun race at the end of a trackday trip)
- Activity pack 6 - Inc Motor Racing/Competition (more suited to an amateur race meeting)
Can I use this policy for dirt and trail riding, including Motocross?
Yes. In addition to motorcycle touring and amateur trackdays, this policy covers general off-road motorcycle riding or training as standard, e.g. taking place on rough or rugged terrain that is not a public highway, even on a Motocross style bike.
However, if you want to take part in Motocross (MotoX), e.g. a cross-country amateur motorcycle race/trial over a closed course of rough terrain with steep hills and sharp curves, then you need to add Activity Pack 6 at the end of the online quote (click "Buy" after it's displayed the standard price to add activity packs).
Can I claim for damage to my bike on this policy?
No. Whilst we have separate trackday insurance policies available for accident damage to your bike on UK or European circuits, this trackday travel and repatriation policy does not cover damage to your bike.
Will this policy cover the costs of a hire bike if I damage my own?
No. Whilst the policy does have some cover for a contribution to replacement transport when touring, i.e. to continue your journey, it will not cover the cost of hire bikes at a trackday if your own bike becomes unusable.
Why do Focused Events (FE) ask for £150 pre-authorisation at Almeria?
The pre-authorisation charge reserved by Focused Events (FE) at Almeria is to cover the potential cost of the private ambulance that the circuit uses to take you to the public hospital, a bit like pre-authorisation at a hotel for potential food/drinks that will then get released if you don't use the service.
This pre-authorisation is probably not required with their own trackside policies for emergency medical costs, however please bear in mind that any cover you buy at trackside may not cover other things included in a typical "Repat" policy (where medically necessary and within the medical cover policy limits), for example:
- Repatriation back to the UK, or
- Flying out a family member to support you in hospital if required.
Note: The £150 pre-authorisation technically shouldn't cost you anything unless the private ambulance is actually used, however you can claim it back once in the UK.
Can I purchase a Repatriation policy when I'm at the circuit?
No. You must be a UK resident, starting and finishing your trip in the UK. The policy must cover your whole trip duration, not just the days on track and must be purchased BEFORE you travel. It’s too late once you’re there...
Note: If you purchase cover at the side of the track for emergency medical costs, it may not cover things like repatriation back to the UK for you and anyone required to stay behind with you, in the same way a "Repat" policy does.
Is it BeMoto who deal with the Travel Insurance and Repatriation claims?
No. BeMoto do not handle travel claims. Travel Insurance Facilities ("TIF") deal with claims directly.
We can’t risk being a middleman delaying the process of getting you vital emergency treatment and we certainly don’t have specialist medical claims handlers, relationships with hospitals and medical experts or a team of foreign language speakers...
You, or someone in your party, should always call the 24 hour emergency assistance team on +44 (0) 203 829 3848 as soon as possible to get the insurer involved to ensure (a) you are taken to the most appropriate public/state medical facility and (b) it’s better if they agree treatment with the hospital in advance, where practical or possible, to avoid you committing to things they won’t agree to pay for.
Clearly if you’re unconscious or in no fit state to make phone calls then that may mean calling them later, at the earliest possible opportunity. If you wind up in a private hospital through no fault of your own, the insurer reserves the right to move you to a public/state hospital at an appropriate time (being careful not to risk your recovery).
NEVER give your passport to a clinic or hospital.
Can I call BeMoto for help and support?
Yes. We’re here to help, but we aren’t told by the insurer about your claim due to the strict data protection rules around Sensitive Personal Information (i.e. medical details); however please don’t hesitate to call us on 01733 907000* at some point AFTER calling the emergency assistance team to make us aware, but please note that unlike the assistance team, we’re NOT open 24 hours.
In the vast majority of cases things go smoothly and as explained above we will never even hear about the majority of positive claims due to data protection restrictions, however things clearly can go wrong from time-to-time with so many parties in the process, including unfamiliar hospitals, cultures and non-English speaking Doctors.
BeMoto are here to support you as our client where possible by explaining the process and chasing things up with the assistance company. Some of our team may occasionally hear about incidents on social media, trackday forums etc, but we cannot engage directly through those channels and in many cases wouldn’t be able to identify who you are anyway without more personal information. If we don’t know about issues with your claims experience we can’t help.
Note: It's also likely that the insurer will not tell us or your friends specific details about your condition or treatment if we call them, unless you grant the insurer specific authority for someone else to act on your behalf (who can also pass data protection checks).
What's the issue with private hospitals?
Travel insurance policies generally exclude medical treatment in private facilities (unless absolutely necessary and pre-authorised).
Just like in the UK private hospitals may not be equipped to deal with accident and emergency admissions, nor have the range of staff needed to provide such treatment, investigation and care.
As businesses, private hospitals also exist to make profit and are often unregulated with less frequent inspections compared to public/state facilities. This means that private hospitals have been known to over-treat, delay treatment or discharge, over-inflate costs and allegedly have been known to claim for treatment that never actually happened (ever wondered why you need multiple scans or had to stay longer than necessary?).
Be aware that some hospitals provide private ambulances or encourage taxi's to ensure you end up in their clinics, which if you're not careful can lead to you being trapped in their care with large bills to pay.
However, we appreciate that some countries, even within the EEA, do not offer the same high standard of care we are used to with the NHS, plus the language barrier can be daunting when you're on your own in a foreign hospital. Research the local facilities in advance and make sure you call the emergency assistance team at the very earliest opportunity.
NEVER provide your payment card details to a hospital or clinic.