Motorcycle Track Day Insurance FAQs
Motorcycle trackdays are immense fun and everyone should try one at least once... It will make you a better rider and give you a smile from ear to ear.
However, sometimes things don't go exactly to plan and a trip to the gravel or worse can leave you out of pocket, with repair bills at best or a total loss bike that needs replacing.
If you have a dedicated track bike then you probably know the risks and can repair your own bike, plus it's usually not a necessity to get this done urgently. But if you are using your road bike on track and bin it, then how are you going to get to work, or maybe that European bike tour will get put on ice. And if you have a very expensive bike, then it's possibly something you cannot afford to replace (without an insurance plan in place).
Many people don't realise you can insure your bike for a trackday. At BeMoto you can! This page is designed to help answer those frequently asked questions and support you to make an informed decision about whether you want to buy this optional cover (or maybe cannot afford not to).
Check out our other track insurance products including "Repat" and Personal Injury Cover.
Frequently Asked Questions (FAQs)
BeMoto track day insurance
BeMoto offers various track insurance products for track day riders and amateur racers:
- Motorcycle Track Day Damage Insurance (UK and EU circuits)
- Track Day Travel and Repatriation Insurance (emergency medical and repatriation costs)
- Track Day Personal Injury Plans (tax free lump sums for fractures or worse)
- Track Bike Theft Insurance (optional "In Transit" cover)
- Race Van Insurance (converted vans for transporting your bike and sleeping at track)
- Day Time MOT Insurance (road-legal track bikes)
Does motorcycle insurance cover track days?
Standard road insurance policies typically excludes cover for damage caused when riding your motorbike on a track day.
However, with BeMoto Trackday Damage Insurance you can cover accidental damage to your motorcycle on a UK or European circuit, whether the incident is your fault or not. It can cover repair costs if it is repairable, or a market value cash settlement towards replacing your bike if it is written-off (a total loss).
As you'd expect, there is an excess deduction, typically about 10-15% of your bikes value, so you still get about 85-90% of the market value after a claim is settled.
How much does motorcycle track day insurance cost?
BeMoto track day insurance covers you for accidental damage to your bike on a UK or European circuit. It is a per-day policy, not an annual one.
You can buy cover for a single day, or a block purchase of consecutive days for a Euro trip, i.e. 3 or 4 days on track at Almeria. Costs are based on your bikes value and an excess deduction applies (usually around 10-15% of your bikes value).
See our table showing example motorcycle track day insurance costs.
Does Trackday Insurance affect my No Claims Bonus (NCB)?
In a word, No. As it's not a road insurance policy, motorcycle track day damage insurance is treated differently to road insurance, e.g.
- A trackday claim does NOT need to be declared to your road insurer
- A trackday claim will NOT be notified to the claims underwriting exchange (used by road insurers to search your claims history)
- A trackday claim does NOT affect your No Claims Discount (NCD)
It will not go against you when buying standard motorcycle insurance in any way, although you may take some ribbing from your mates and have some damaged pride!
Does track day insurance cover me for personal injury?
We offer different types of track day insurance:
- Trackday Bike Damage Insurance (for damage to your bike)
- Trackday Travel & Repatriation Insurance (cover for hospital bills and getting you home)
- Personal Injury Cover (Motorcycle Event) - Tax free lump sum payouts for listed bodily injuries or accidental death
Whilst the first two exclude payouts to you for injury, you can buy our Personal Injury Cover as an optional extra with our trackday bike damage insurance, or on its own as a standalone policy for trackdays, amateur racing (short circuit), superbike schools and wheelie schools - single day or a block of days for a race weekend or Euro trackday for example.