BMW Club journal arrived today. Small item in it states that the reciprocal agreement on health care between IOM and the mainland will be withdrawn on 1 April 2010. This, according to the article, means that everything other than initial emergency treatment will cost you. The IOM is not in the EU so waving your E101 will do no good apparently. Seems the only route is health insurance. Not sure how easy or cheap that will be if you are racing. Boxerboy