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Personal Injury Cover (Motorcycle Events)

Most riders have thought about doing a track day, or maybe attending a superbike school or wheelie school to improve their skills, but for some the chance of getting injured and taking time off work is too risky - especially if you’re self employed (if you’re not working, you’re not earning)!

Our Personal Injury Cover (Single Event) is designed to provide a simple insurance policy that provides tax-free lump sum payouts for fractures, hospitalisation, permanent total disablement and death as a result of an accident at an approved motorcycle event.

  • No long term commitments (single day/event cover)
  • Instant cover with guaranteed acceptance (no medical underwriting)
  • Track days and amateur racing covered (UK and EU)
  • Other motorcycle events, e.g. superbike or wheelie schools, adventure bike training on private land, and so on (if we don’t list it you can ask us to consider adding it)

If you’re a frequent track day rider or amateur racer, it might be better to buy proper Income Protection and/or Life Insurance on a monthly Direct Debit (these take a little longer to set up with more detailed applications), but if you just want a one-off policy for a single event, then this should be right up your street - with cover starting at £35 for a single day (if bought as an add-on to our trackday damage insurance) or £50 if you buy personal injury cover on its own as a standalone policy for the day.

You can also buy cover for a multi-day event such as a 3-day Euro trackday holiday, or maybe a 3-day endurance racing weekend in the UK with No Limits (the price per day works out cheaper for multi-day policies).

BeMoto Track Day Rider with Knee Down

Buy Personal Injury Cover online with instant cover and guaranteed acceptance

  • You can buy our injury cover as part of a single event track day accident insurance for you and your bike - it is cheaper if you buy it alongside our Trackday Bike Damage Insurance.

    Simply get a quote to cover your bike if you have an accident on a track day in the UK or Europe, and then add Personal Injury Cover as part of your quote.

    Bike Damage Insurance
  • If you just want a one-off personal accident policy for a motorcycle event, for example you’ve been given a track day or a wheelie school activity day as a gift, then you’re not going to want a long term policy that ties you into regular Direct Debits.

    This policy is simple and convenient with guaranteed acceptance and instant cover (no medical underwriting).

    Injury Cover Only

More Information About Personal Injury Cover

Our personal accident insurance is quick and easy to buy online with no complicated application process - it's guaranteed acceptance and immediate cover (although you can only buy it up to midnight the day before your activity).

It's a one-off policy for a single event, so you're not tied into a long term payment plan, which means you can have a go at that motorcycle training or track day you've been mulling over, and relax knowing you've got some cover in place to help pay bills or other expenses if you have to take some time off work following a whoopsie!!

You can choose from two levels of cover, both are cheaper when bought as part of our trackday damage insurance policy, in other words you can choose to cover yourself and your bike in one policy, or you can just but personal injury cover on its own (it is cheaper as an add-on to the damage cover).

Level 1: Fractures & Hospitalisation

A tax-free lump sum of £3,250 is the most this policy will pay out for Level 1 cover.

Level 1: Bodily InjuryAdd-On to Trackday Damage PolicyPersonal Injury Cover (on its own)

1 day



2 days

£63 (£31.50 per day)

£85 (£42.50 per day)

3 days

£90 (£30 per day)

£113 (£37.67 per day)

Level 2: Includes the benefits in Level 1 (fractures and hospitalisation), plus cover for Permanent Total Disablement (PTD) or Accidental Death (AD)

A tax-free lump sum of £15,000 is the most this policy will pay out for Level 2 cover (including Level 1 benefits).

Level 2: Bodily Injury & Accidental DeathAdd-On to Trackday Damage PolicyPersonal Injury Cover (on its own)

1 day



2 days

£68 (£34 per day)

£90 (£45 per day)

3 days

£97 (£32.33 per day)

£120 (£40 per day)

For full information about this policy you can read the Insurance Product Information Documents (IPID) and full Trackday Personal Accident Documents.

Get Track Day Injury Quote Online

Frequently Asked Questions (FAQs)

  1. Does track day insurance cover me for personal injury?

  2. BeMoto track day insurance