Frequently Asked Questions


We've put together some commonly asked questions to give you more information about
Four Counties Trackday Insurance and the cover we offer.

If you have a question that is not answered below please use the contact us page.

General
  • What activities do you cover?
    Four Counties Trackday Insurance covers the following activities:

    • Motor Cycling with appropriate UK licence on public roads (Dirt Roads)
    • Motor Cycling with appropriate UK licence on public roads (Tarmac Roads)
    • Motor Rallies (Classic Cars & Motorcycles) including UK Hill Climbs
    • Track Days – Cars (No Racing)
    • Track Days - Motorcycles (No Racing)

    If you have any queries on the above or require cover on a different activity, please call us on 02392 419 070. We are open Monday to Friday 8am - 6pm, closed Bank Holidays.
  • Who is eligible for Four Counties Trackday Insurance?
    The policy is available to people aged 69 years or under who are registered with a medical practitioner and permanently resident in the United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man).
  • Is there an age limit?
    Cover is available to people aged 69 years or under. If you are aged over 69 please call us on 02392 419 892. We are open Monday to Friday 8am - 6pm, closed Bank Holidays.
  • Who are the Insurers?
    Adventures Travel Insurance is underwritten by Antares Syndicate 1274 at Lloyd’s.

    Antares is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

    This can be checked on the Financial Services Register by visiting www.fca.org.uk.
  • Are there any countries that are not covered?
    Four Counties Trackday Insurance will cover all countries and areas except those which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation (WHO) or similar body has advised against all or all but essential travel.
  • How do I know what I'm covered for?
    Please read the Insurance Policy for details of the cover.
  • Do I need a European Health Insurance Card (EHIC)?
    An EHIC entitles you to reduced-cost, sometimes free, medical treatment that becomes necessary while you are in a European Economic Union (EEA) country or Switzerland. The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway. The card gives access to state-provided medical treatment only. Remember, this might not cover all the things you would expect to get free of charge from the NHS in the UK. You may have to make a contribution to the cost of your care. You may apply for an EHIC online at: www.dh.gov.uk/travellers or by calling 0300 330 1350. Please note: An EHIC is no substitute for travel insurance cover.
  • Can you resend my policy to me?
    Yes. Please email us at contact@adventuresinsurance.co.uk with your policy number (if known), the lead name and the address (for verification) and we will then resend the policy.
  • Can I get travel insurance if I have an existing medical condition?
    Four Counties Trackday Insurance contains exclusions relating to your health and to that of other insured persons on the policy. You must refer to the 'Important Conditions Relating to Health' of your Insurance Policy. If you are travelling outside the UK and you answer YES to any of the Medical Screening Questions you must contact the Medical Screening Line on 02392 419 068. We are open Monday to Friday 8am - 6pm, closed Bank Holidays.

    Note: In some cases an additional premium may be payable if we are able to cover the declared medical condition(s).
Single Trip
  • What is the maximum duration?
    The maximum duration of any individual trip is 6 months (although for persons aged 65-69 years the maximum trip duration is 3 months).
  • Can I increase the cancellation policy limit on Single Trip cover?
    If you select Part B you will be covered up to £5,000 per person for travel, accommodation and pre-paid activity course fees should you find it necessary to cancel, curtail or abandon your holiday/trip. These limits cannot be increased. However, if you require top-up cover for cancellation for your travel or accommodation, please call us on 02392 419 070 (Monday to Friday, 8am to 6pm; closed bank holidays).
  • What are the advantages of Annual Multi-trip travel insurance?
    If you are making several trips a year, Annual Multi-trip cover is usually the most cost effective option. For a single premium you will be covered for any number of trips throughout the year up to a maximum of 60 days each trip.

    Please note: a trip must involve pre-booked accommodation or travel unless it is a 'one-off' event taking place on a single day.
Annual Multi-trip
  • How many times can I travel and how long can each trip be?
    The Annual Multi-trip policy covers you for an unlimited number of trips throughout the year up to a maximum of 60 days each trip.

    Please note: a trip must involve pre-booked accommodation or travel unless it is a 'one-off' event taking place on a single day.
  • Am I covered for trips in the UK?
    Trips in the UK, Channel Islands and the Isle of Man are covered.

    A trip must involve pre-booked accommodation or travel unless it is a 'one-off' event taking place on a single day.
  • If I am abroad can I extend the 'maximum duration any one trip' limit provided by my Annual Multi-trip policy if I decide to stay longer?
    No, we are unable to extend cover beyond the maximum duration limit.
  • What is family cover?
    A family premium is available for Annual Multi-trip cover, for you and your husband/wife/civil partner or partner who are aged 64 years or under at the time of purchasing the policy (and have co-habited for at least 6 months), plus your unmarried, dependent children (including fostered or adopted), all aged under 18 years at the time of purchase of the policy. Independent travel allowed by you and your husband/wife/civil partner or partner but not your children.
Policy Options
  • Is there a limit for my activity equipment?
    Part A includes cover for specialist Activity Equipment up to £1,000 per person with a single item limit of £600.
  • Can I increase the cancellation limit on single trip cover?
    If you select Part B you will be covered up to £5,000 per person for travel, accommodation and pre-paid activity course fees should you find it necessary to cancel, curtail or abandon your holiday/trip. These limits cannot be increased. However, if you require top-up cover for cancellation for your travel or accommodation, please call us on 02392 419 070 (Monday to Friday, 8am to 6pm; closed bank holidays).
Medical Assistance
  • Do you have a 24-hour Medical Emergency Assistance Service?
    Four Counties Trackday Insurance has a 24 hour medical emergency and repatriation service.

    Tel. +44 (0) 20 7902 7405

    Further details of this service are shown in your Insurance Policy.

    Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills and arrange repatriation if required.
  • In the event of a medical emergency whilst abroad, do I have to pay my medical bills myself?
    If you are asked to pay a small bill for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home.

    If you are admitted as an inpatient then you must contact the 24 hour Medical Emergency Assistance Service as soon as possible. They will then arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic.
Making a Claim
  • How do I make a claim?
    Click here for details.
    Full details of what you need to do to make a claim are also shown in your Insurance Policy.
  • How quickly will you settle my claim?
    We aim to provide a first class claims service and respond within 10 working days of receipt of correspondence.
Buying Online
  • How can I pay for my policy?
    You can pay by debit or credit card. We accept Mastercard and Visa.
  • How will I receive my travel insurance policy documents?
    Your policy schedule and policy documents are delivered to the email address you provide.
  • Do I need to take my policy documents with me?
    Yes you should print a copy of your Schedule and Policy Documents and carry them with you.

    The Policy Document includes important telephone numbers including the Medical Emergency Assistance Service that is available to you 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses.
  • Can I get my money back if I want to cancel?
    If you are not completely satisfied with the cover provided you may return your policy to us within 14 days of the date of issue or receiving the policy documents, whichever is later. Provided that you have not commenced your trip, no claim is intended or has been made, your premium will be refunded in full.