What is Trackday Repatriation Insurance?



Register Interest for BeMoto Repatriation Insurance

Many UK track riders will at some point visit a European circuit for the [almost] guaranteed sun and track time; it’s less common to use circuits outside of Europe so this page is focused on Euro trips.

It’s usually mandatory with all Trackday Organisers (TDO) at EU circuits to have what’s known as Repatriation Insurance (“Repat”) or Trackday Insurance. In actual fact this is a typical travel insurance policy, but where normal travel insurance excludes “Dangerous Sports” or “Hazardous Pursuits” ours includes trackday riding as an option, as well as damage to your riding gear on track (all subject to policy limits).

Note: 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...

Always ensure you have checked the UK Foreign and Commonwealth Office (FCO) website for travel advice on the country you are travelling to (click the button below) - make sure it is OK for non-essential travel. You will NOT be covered for claims arising from non-essential trips like trackdays if you travel against FCO advice.

Covid Travel advice from the UK Foreign Office

Why do I need “Repat Insurance” when I have an 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).

Can I upgrade to a private hospital?

No. Our policy is for public/state facilities only. Whilst we appreciate that some EEA countries do not offer the same high standard of care we are used to with the NHS, plus there's the language barrier when you're on your own in a foreign hospital, it's very difficult to find insurers that will accept trackday risks and cover private costs as well.

However much you might prefer it, treatment at private hospitals is specifically excluded unless agreed by the insurer first (in rare circumstances); see our Travel Insurance FAQ to understand why.

We are not aware of any genuine BUPA style travel policies that "guarantee" private treatment, this is even less likely for policies that cover trackdays due to the increased likelihood of claims. If true private hospital insurance exists and you can afford it, then fantastic, but do your research as you might pay more for no concrete guarantees (see below note).

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).

Who actually provides this insurance?

There are a number of parties involved in the process of offering you this insurance, which can be confusing, hopefully this helps identify who does what:

Who sells the policy?

BeMoto is the broker, a trading name of Moto Broking Limited

Visit www.bemoto.uk or email helpme@bemoto.uk

Or call 01733 907000. Open 9am-7pm Monday-Friday, 10am-4pm Saturday.

Who arranges and administers the policy?

Motorcycle Cover on behalf of Travel Insurance Facilities PLC (also known as "TIF").

Who underwrites the insurance?

The United Kingdom and Republic of Ireland Branch Office of Union Reiseversicherung AG.

Who handles emergency claims?

Emergency Assistance Facilities (24/7)

+44 (0) 203 829 3848

Who handles non-emergency claims?

Travel Claims Facilities

Visit www.policyholderclaims.co.uk (download a claims form)

Post claims form to: Travel Claims Facilities, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY

Or call 0203 829 3873. Open 8am-8pm Monday-Friday, 9am-1pm Saturday.

Where should hospital bills be sent?

Travel Claims Facilities

PO Box 395, Monks Green Farm, Mangrove Lane, Hertford, SG13 9JW.

Please write your policy number on any correspondence.

We’re all authorised and regulated by the Financial Conduct Authority (FCA). Calls may be recorded for our joint protection.

Follow these links to read the Insurance Product Information Documents (IPID) and full Trackday Repatriation Policy Documents

Do I call BeMoto to report a claim?

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.

For non-emergencies the number is 0203 829 3873. Open 8am-8pm Monday-Friday, 9am-1pm Saturday.

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 provide your payment card details to a hospital or clinic.

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.

It's also likely that the insurer will not tell us or your friends specific details about your treatment if we call them, unless you grant the insurer authority for someone else to act on your behalf, who can also pass data protection checks.

See our Trackday Repatriation FAQs for more questions and answers before buying online (below) or buy over the phone by calling the specialist team on 0330 880 0389*

* Calls may be recorded for our joint protection.