- Any event or part of an event not authorised under a Motorsport UK permit or certificate of exemption.
- Any form of Road Traffic Act liability.
- Claims for damage to property which is owned by the club (Property of the Club will be specifically Insured by the Club - please contact Marsh Sport if cover is required).
- The first £450 of each and every claim for damage to third party property; the first £450 each and every claim for Medical Malpractice.
- Participant to Participant where such legal liability arises on the track on the stage or in the pits area whilst operating a vehicle under its own power.
- Damage to any road track circuit or other surface or any equipment or circuit furniture (hired or otherwise - please contact Marsh Sport if cover is required).
- Fines liquidated damages or penalty clauses.
- Terrorism.
- Liability in any way caused by Asbestos.
- Pollution unless caused by a sudden and identifiable incident.
- Any losses arising from the use of any diggers, excavators, mechanical plant or machinery used by the Insured in the set-up or dismantling of any insured event which is owned, leased, hired or loaned to or by the Insured.
- It is understood and agreed that this policy does not cover any loss caused directly or indirectly, contributed to by or attributable to a Communicable Disease or fear or threat of a Communicable Disease.
Competitors
Who is covered?
- Licensed competitors, attending UK based events that are organised or approved by Motorsport UK.
What insurance cover is provided?
The policy provides cover for Motorsport UK participants that are authorised to compete within the United Kingdom, the Republic of Ireland and elsewhere in the world subject to the issue of a Motorsport UK permit or certificate of exemption. The period of cover is 12 months from the 1 January each year and includes:
- Public liability - Limit if Liability £100,000,000. Public liability is defined as any person injuring another or damaging another's property as a result of acting negligently, this may result in an action for compensation being brought against them. Motorsport UK has arranged public liability insurance to protect participants against this potential legal liability.
- Personal accident - Motorsport UK has effected personal accident insurance applying at events held under Permit or Certificate of Exemption. Cover is operative whilst attending any motorsport event in the UK which is organised by Motorsport UK, including Racing, Testing and Practice including travel to and from the events. Worldwide cover is included whilst under a permit issued by an FIA recognised ASN where the competitor concerned holds the appropriate grade of license. You must notify Motorsport UK of participation prior to the event. Personal accident policies pay the pre-agreed levels of benefit to persons injured if an accident occurs within in the terms and conditions of the policy. The benefits are detailed below and top up options also available.
- Excluding RS Clubman licenses
- Medical Repatriation Expenses are limited to within Europe only for competitors
A £450 liability policy excess applies to each and every claim (with the exception of claims for third party injuries)
Explore the liability insurance cover in more detail
This cover only applies to all events held under permit or for which an exemption permit is granted.
£100,000,000
- Legal liability of the Insured parties for injury to third parties and damage to their property (including nervous shock or mental injury, obstruction, trespass, nuisance, interference, wrongful arrest or eviction).
- Legal liability of the Insured parties for loss of or damage to officials’ and visitor’s vehicles or personal belongings.
- Legal liability of the Insured parties for loss or damage to premises hired or rented to you for the purpose of your business.
- Legal expenses and costs in defending prosecutions under health and safety legislation.
For full details please refer to the policy summary and policy wording in the downloads section below.
Explore the personal accident insurance cover in more detail
The Motorsport UK policy includes cover for competition license holders. This insurance is operative during any competition and/or official practice session at an event run under permit issued by Motorsport UK or for which a Certificate of Exemption has been issued.
- Cover is operative whilst attending any motorsport event organised by Motorsport UK, including Racing, Testing and Practice including travel to and from the events in the UK.
- Up to a maximum of 5 track days are included but which have been notified to Motorsport UK prior to the event.
You can view the full breakdown of the benefits here under 'Category B'
Yes. As Motorsport UK competition licence holders, all competitors receive benefits in the event of an injury whilst competing. However, this does not include a weekly pay out option for licensed competitors should you become injured whilst competing.
You have the option to “top up” the Motorsport UK scheme to provide a short term "Total Disability" benefit that will pay a weekly amount should you suffer a temporary total disability.
- This cover could give you an additional pay out of up to £200 per week or 75% of your gross weekly wage, whichever is the less.
- We also offer Personal Accident quotations for those competitors who are self-employed or require a higher weekly benefit.
- Our 24-hour cover can also include your occupation as well as your racing activities.
Contact us to find out more.