Trackday Repatriation Insurance

Trackday Repatriation Insurance FAQs

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   What's the difference between a "Repat" policy and my GHIC card?

   EEA member states are obliged to treat UK citizens showing a European Health Insurance Card (EHIC) or a Global Health Insurance Card (GHIC), however in some cases (for example hazardous sports injuries) EHIC/GHIC is sometimes rejected by the hospital – rightly or wrongly - or it may only cover part of the costs. 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 or GHIC 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. BeMoto Emergency repatriation cover is on top of the medical limits (£100k limit alive, or £50k in a body bag).

   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 or GHIC card won't provide this kind of support when needed.

   Find out more about the GHIC 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). Ensure you buy the cover whilst still in the UK, before you leave, and it must cover the whole duration of your trip.

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   Does Repatriation Insurance cover private hospital treatment?

   BeMoto Repatriation Insurance is a travel insurance policy (not private medical insurance). It's intended to cover emergency medical and repatriation costs, and much like with the NHS, you'd be expected to go to the local emergency department, if medically capable public facilities are available.

   However, the insurers do understand that if you have an accident, e.g. 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 treatment and assessment.

   If you are admitted to a private facility, call the Emergency Assistance Helpline as soon as possible and the insurers assistance team will advise what options are best for you.

   Never give a private hospital your payment information, and don't agree to any costs without prior authorisation from the insurer. Once the insurer has agreed to treatment, they will deal with any requests for payment from any private facility, so you should resist any request from them to make payment.

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   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, or 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.

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   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.

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   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
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   Does track day insurance cover me for personal injury?

   We offer different types of track day insurance:

   1. Trackday Bike Damage Insurance (for damage to your bike)
   2. Trackday Travel & Repatriation Insurance (emergency medical and repatriation cover for hospital bills and getting you home)
   3. 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, off-road and wheelie schools - single day or a block of days for a race weekend or Euro trackday for example.