At Adrian Flux we have over 50 years experience tailoring insurance to suit your specific needs. We don’t believe in “one size fits all” when it comes to insurance, which is why you could save time and money by calling a member of our team directly.
Don’t forget to ask about our new reduced rates, breakdown cover and many other ways we can reduce your premium!
10. Public Liability – Action Plan
10.1. In order that clubs may be certain that cover is in place for any given event the following are the steps that are to be taken:
11. Claims a. Apply to the ASN for an appropriate Permit or Certificate of Exemption . b. Consider if specific advice is needed from Marsh Sport in respect of:
• Activities other than normal competition, or those Specifically approved by the ASN
• Contractual liabilities incurred to property owners or landlords
• Where cover under the Road Traffic Act is required.
c. If special exposures to risks not covered in the standard ASN liability insurance exist such as in b. above then full details should be made available to Marsh Sport in good time for them to respond on the nature of the cover required and its costs.
11.1. In the event of any incident involving injury to a spectator or official, or damage to third party property, a full report must be made to the ASN as soon as possible. There must be no discussions or correspondence whatsoever regarding the incident other than to confirm that the facts are being reported to the ASN .
11.2. Delay in reporting could result in the Insurer ’s refusal to deal with a claim if their position had been prejudiced by delayed notification or by settlement or commitment having been made. In the unlikely event of an injury being fatal.
The incident report must be made by telephone, at the earliest possible opportunity. These requirements also apply to serious or potentially fatal incidents.
11.3. In the case of incidents involving spectators or their property it is important that the names and addresses of any witnesses are obtained and also those of Marshals stationed in the vicinity of the incident.
11.4. After an incident organisers or individuals may receive a letter from a solicitor which should take the form of 2 copies of a ‘letter before action’. Such letters should not be acknowledged or replied to but must immediately be sent to the ASN Legal Department . Insurers will then have 21 days to acknowledge receipt of the ‘letter of action’ followed by a period of 90 days to investigate the claim and make a decision on liability.
11.5. Failure to meet these deadlines can result in judgment by default with the attendant adverse penalties and cost accruing to the defendant.
12. Personal Accident
12.1. The duties of many Officials take them close to the “scene of the action” and consequently into an area of relatively greater risk. Officials voluntarily carry out their duties and legally thereby accept the additional risk inherent in the duty which limits any remedy at law available to the official should injury occur.
13. Officials
13.1. Recognising the risks freely accepted by participants the ASN has effected Personal Accident insurance applying at Events held under Permit or Certificate of Exemption . Personal Accident policies pay the pre- agreed levels of benefit to persons injured if an incident occurs within the terms and conditions of the policy.
Motorsport UK 2025 National Competition Rules Chapter 1 Appendix 3 - Insurance 54
14. Who is Covered?
14.1. All signed-on Officials and Volunteer Officials at Events held under Permit or Certificate of Exemption , including set-up and dismantling. The signing-on of all Officials at Events is extremely important in that one of the purposes of this is to identify a person as an Official of the Event and consequently establish the right to benefit under this Personal Accident policy. Cover for Officials include travelling directly from home to an Event and directly back home again from the Event .
15. What are the Benefits? 15.1. The benefits payable under the Personal Accident Policy are detailed on the Marsh website.
16. Competition Licence Holders
16.1. In addition to covering Officials the ASN has arranged automatic cover for Competition Licence Holders (with the exception of RS Clubman Licence Holders for whom Personal Accident cover is not automatically included).
16.2. Subject to Art.16.1, Personal Accident insurance cover for Competitors is valid from the date of issue of the Competition Licence or the First of January of the relevant licence year, whichever is the later. It is operative during any Competition and / or official Practice session at an Event run under a Permit issued by the ASN or for which a Certificate of Exemption has been issued or run in accordance with the International Sporting Code of the FIA , under the authority of an FIA recognised ASN .
16.3. All signed-on ASN Competition Licence holders (with the exception of RS Clubman Licence Holders for whom Personal Accident cover is not automatically included) at Events held under a Permit or Certificate of Exemption . The cover applies while signed-on or for any International or National Event held in accordance with the relevant provisions of the FIA International Sporting Code .
17. What are the Benefits? 17.1. The benefits payable under the Personal Accident Policy are detailed on the Marsh website.
17.2. The standard benefits provided by the ASN under this policy may be enhanced at favourable terms by direct application to Marsh Sport.
18. Who is Covered?
18.1. All signed-on ASN Competition Licence holders at events held under a Permit or Certificate of Exemption . The cover applies while signed-on or for any International or National Event held in accordance with the relevant provisions of the FIA International Sporting Code .
General Notes The following are general points where experience has shown it is helpful to give guidance to members.
19. Competitors or Clubs competing abroad
19.1. It is recommended that Competitors or Clubs competing abroad review their insurance arrangements, with Marsh Sport.
20. Foreign Competitors in the UK
20.1. The National Health Service has financial restrictions on treating some foreign nationals after an incident. Unless the country of origin has an agreement with the UK, foreign competitors are strongly recommended to take out medical insurance before competing here. Organisers should draw this to the attention of foreign competitors.
21. Social Events 21.1. The ASN Master Policies provide cover for some club social activities.
Motorsport UK 2025 National Competition Rules Chapter 1 Appendix 3 - Insurance 55
22. Marshals’ Training
22.1. Marshals’ training days are, subject to prior notification and approval by the ASN , covered under both the Public Liability and the Personal Accident (officials) Policies without charge. The Organisers are required to obtain a Certificate of Exemption from the ASN .
23. Standard Motor Policies
23.1. A Standard Motor Policy issued in the UK market excludes use for “racing, pacemaking, reliability trials, speed testing or rallies”. While the Competitor may be able to obtain extension of a relevant policy this is a matter for individual negotiation between the Competitor and their insurer.
23.2. Any Competitor in any Event that involves use of the public highway should, in their own interest, pay particular attention to insurance. The Competitor should always, before entering an Event involving use on the public highway, obtain confirmation from their insurers that their normal policy operates. Where Rallies or Trials include special tests full details of these tests should be submitted to the Insurer .
23.3. Competitors are reminded of the Declaration they are required to make when entering an Event . Facilities are available to Clubs to provide short period third party liability cover to Drivers in Rallies through Marsh Sport.
Events on Public Roads 24. Road Rallies
24.1. In respect of Road Rallies timed to less than a minute, the higher rate detailed in Chapter 1 App.3 does not apply in respect of Regularity Events or Events where one Section , not exceeding 10 miles in length, is included solely for the purpose of tie deciding.
25. Closed Road Events
25.1. Competitor ’s legal liability cover can only be given for Events run on closed public roads when such roads are closed by a properly enacted Order made under the authority of a statute permitting the closure of a public road or roads for the purpose of a Competition , whether such Competition involves simultaneous Competition or timing against the clock and suspending the operation of normal Road Traffic Legislation.
26. Insurance Fees
26.1. The quoted Per Capita Permit Fees are based on an Event of one day’s duration. Insurers reserve the right to make an increased charge in respect of Events occupying more than one day to which the public is admitted, and a charge made or where Competitions counting towards the final result take place on each day. The Per Capita Permit Fees provide cover in respect of the Permitted Competition and official Practice sessions at the Event .
27. Officials working at Overseas Events
27.1. The ASN has now had agreement to cover UK licence officials when they are providing their services at overseas events subject to the following conditions:
a.
They have notified the ASN in writing using the Overseas Insurance Application form of their intention at least 30 days prior to the event and the ASN has acknowledged accordingly.
The Event they are attending is sanctioned by the ASN of that country who like Motorsport UK are recognised by the FIA in that capacity. No cover is given for any non-affiliated events.
b.
That the official shall take out their own travel insurance for any incidents that occur away from the Event Venue .
c.
That the country where the Event is taking place is not on the sanctioned list (see www.motorsportuk.org )
d.
Motorsport UK 2025 National Competition Rules Chapter 1 Appendix 3 - Insurance 56