• 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 £500 of each and every claim for damage to third party property; the first £500 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. 

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.

When is cover operative?

• Whilst attending any motorsport Event organised or Permitted by the Insured including Racing, Testing and Practice, including travel to and from the Events in the UK.
• Personal Accident cover may be extended whilst attending, participating or officiating at four wheeled motorsport events Overseas running under a Permit issued by an FIA recognised ASN where the Official or Competitor concerned holds the appropriate grade of Licence issued by their parent ASN. In all cases where the Official / Competitor is attending, participating or officiating at an Event Overseas running under a Permit issued by an FIA recognised ASN they must have notified the insured of participation prior to the Event. The cover and benefits provided by this policy will not be available if any party is entitled to cover or benefits provided by another policy.
• For full Motorsport UK competition licence holders* personal accident cover may be extended whilst attending up to a maximum of 5 track days per year, but cover is subject to Motorswport UK's discretion and the competitor must have notified Motorsport UK of participation prior to the Event. The cover and benefits provided by this policy will not be available if any party is entitled to cover or benefits provided by another policy.

(*excluding RS Clubman Licences)

What are the policy benefits?

• You can view the full breakdown of the benefits under 'Category B' in the personal accident schedule. Please refer to the Useful Downloads below.

As Motorsport UK competition licence holders, all competitors receive the benefits detailed above 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. 0345 872 5060 or message us. (Monday to Friday, 9 to 5).