Trackday Repatriation Insurance
- Emergency Medical Costs
- Repatriation to UK
- Bike Clothing Damage
Cover for emergency medical and repatriation costs in the event of an accident on a Euro track day
RACE VAN INSURANCE
Motorbike Track Days
Emergency Medical Costs
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Buy Repat Insurance online with instant cover BEFORE you travel
It's important that you understand the cover you are buying and go through a proper medical screening process if you have pre-existing health conditions. If you don't declare your medical history it could leave you in hot water with a policy that doesn't actually cover you.
Quotes and Sales Line: Open 8:30am-6pm Monday-Friday, 8:30am-4pm SaturdaySpeak to an Expert
You can get a quote and buy online 24 hours a day by clicking the button below. You can choose cover for trackdays or amateur racing, but sadly we do NOT cover any form of professional racing.
Remember to select the appropriate activity pack for your trip and also to complete the medical screening questions honestly and accurately to ensure your policy covers you properly.Buy Online 24/7
More Information About Repatriation Insurance
We have more detailed information that can answer many of your in-depth questions (see the linked articles and FAQs below), however the following points should help answer the quick and easy questions...
Quick Reference Guide:
- Cover for emergency medical and repatriation costs after an accident on track abroad
- Choose Gold Cover (£250k medical limit) or Silver Cover (£100k medical limit)
- Emergency repatriation is covered on top of the medical limits (£100k limit alive, or £50k in a body bag)
- It's like a travel insurance policy, except this one also has options for trackdays and amateur racing (usually excluded on other policies)
- Other travel insurance benefits are included like cancellation cover (so buy this policy early) and things like lost luggage or passports
- Only covers trackdays in Europe and some Worldwide countries (not USA, South America or Canada though)
- We don't cover professional racing (or semi-professional) or cover business activities
- You can buy Single Trip or Annual Multi Trip cover (the maximum age for Multi Trip is 66 whereas Single Trip is 75)
- You need to buy cover BEFORE you travel and for the whole duration
- You must have been a UK resident for at least 6-months (and still live in the UK) registered with a GP surgery
- You need to have a UK driving licence that covers you for the class of bike you are riding (or an ACU race licence)
- You need to wear the appropriate protective riding gear (see FAQs below)
Even if you have a travel insurance with your packaged current account or a family multi-trip policy you are likely to need a top up policy like this one for the trackday riding element... Other travel insurance policies usually exclude dangerous sports or hazardous pursuits.
Trackday Repatriation Insurance FAQs
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 travel and repatriation insurance is required for overseas trackdays and off-road riding, 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).
Does Repatriation Insurance cover private hospital treatment?
No. BeMoto Repatriation Insurance is a travel insurance policy and NOT private medical insurance; so there is no cover for any medical expenses incurred in private facilities if medically capable public facilities are available.
However, we do understand that if you have an accident whilst participating in a track or off-road event you will be taken to the nearest appropriate medical facility, which could be public or private for initial emergency treatment and assessment.
If you are admitted to a private facility, call us as soon as possible and we will advise what options are best for you. We will deal with any requests for payment from any private facility so you should resist any request from them to make payment.
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.
Can I purchase a Repatriation policy when I'm at the circuit?
No. BeMoto Trackday Repatriation Insurance must be purchased BEFORE you travel. It must cover your whole trip duration, not just the days on track. It’s too late once you’re there... so plan ahead!
- You must also be a UK resident and not spent more than 6 months abroad in the 12 months prior to buying this policy
- You must be registered with a GP surgery in the UK
- You must start and finish your trip in the UK
- If you buy it in plenty of time before your trip it also provides some cancellation cover as well
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.
What motorcycle clothing do I need to wear for trackday repatriation insurance?
To be eligible for BeMoto Trackday Repatriation Insurance on a motorcycle trackday or amateur race meeting, you must select the correct activity pack and you need to wear appropriate track day motorcycle apparel, i.e.
- ACU approved model of helmet
- CE Approved apparel including:
- Leather gloves that overlap or are underlapped by the sleeve
- One piece leathers or two piece leathers that zip all the way around
- Motorcycle boots that overlap or are overlapped by the leathers
- Full length back protector – integrated or separate
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.