Motorsport Motor Trade Combined

Road Insurance for Rally Cars, Support Vehicles and Sports Cars including Multi Vehicle

On Track and Trackday Insurance Personal Accident & Travel Storage & Transit

Motorsport Motor Traders, Commercial Combined, Personal Accident Cover

Motorsport Teams, Event Organisers, Motorsport On-Track

Trackday Insurance, Competition & Sports Cars, Support Vehicles, Multi-Vehicle

INCORPORATING

Kingfisher Motorsport and Reis Motorsport Insurance are trading names of Kingfisher Insurance Services Limited, registered in England No 01469545. M.I.S Commercial Limited is an Appointed Representative of Kingfisher Insurance Services Limited. Kingfisher Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) No 310218. Registered office: First Floor 2 Parklands, Parklands Business Park, Rubery, United Kingdom, B45 9PZ. DOCIDM364

3. Who is Protected?

3.1. The Master Policy protects an Organiser or promoting Club and its Officials for their potential legal liability to third parties injured or whose property is damaged following an incident arising from the holding of an Event . This term includes official Practice and Qualifying Practice and associated activities necessary to an Event (such as setting up a course for a Speed or Rally Event ). The cover additionally protects Officials (not necessarily officials of an Organising Club ), or Sponsors of an Event or of Races or Championships , within the Event . Competitors and Venue landowners are also covered but not one Competitor claiming against another Competitor .

4. What is Protected? 4.1. Events arranged by Clubs held under an ASN Permit or Certificate of Exemption .

4.2. Marshals’ training days are covered subject to prior notification being made to and approval given by the ASN .

4.3. Approval may be given for the demonstration of Vehicles subject to a specific application being made and written approval being given by the ASN but only where such activity is authorised under the terms of the Event Permit .

5. What is not Protected?

5.1. Events not held under Permit or Certificate of Exemption are not covered, neither are any Record Attempts nor activities other than the normal Competition .

5.2. As part of the Master liability policy member Clubs are covered for their legal liability to third parties arising from their social activities. These activities encompass social evenings, award ceremonies and other like gatherings. This extension DOES NOT cover claims arising from the following:

a. Hazardous and dangerous activities (except in an attempt to save human life). b. Use of pyrotechnics and explosives. c. Overseas activities. d. Participation in actual Motorsport Competition . e.

Commercial activities on behalf of the Promoter for gain/profit excepting raffles and prize draws or similar.

f.

Employers Liability and Errors or Omissions.

Liability for bona fide sub-contractors.

g.

Claims more specifically insured by the other existing policies.

h.

i.

Damage to Vehicles used by the Organisers is not covered.

The policy provides no protection in respect of aviation incidents.

j.

5.3. Liabilities arising from the use of Vehicles on the public road are not insured under the public liability policy. If this cover is required application should be made to Marsh Sport who will be able to offer facilities to insure the exposure.

5.4. Events abroad are not covered without special arrangement and approval being sought through Marsh Sport.

Insurance policies are subject to specific terms and conditions. If there is any doubt at all whether any activity or aspect of cover is insured or not it is important that you refer to Marsh Sport for clarification.

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6. Are Competitors Covered?

6.1. The term Competitor is used in its widest sense to describe Drivers , Entrants , Sponsors of individual Competitors / Entrants and where appropriate Passengers .

Where an Event occurs on private land, i.e. where the insurance provisions of the Road Traffic Act do not apply, Competitors are protected by the ASN Master Policy public liability insurance.

6.2. It is impractical for the ASN to provide Competitors with cover where any part of an Event takes place on the Public Highway in circumstances to which the Road Traffic Act applies. To cover liability under the Road Traffic Act , Competitors are expected to make their own arrangements by the extension of existing motor policies. However, Marsh Sport are able to assist Clubs organising Rallies to provide Road Traffic Act cover.

However, this insurance does not protect Competitors in respect of liability to mechanics or other helpers forming part of the same Entry nor do they protect mechanics, Entrants or Sponsors in respect of claims by the Driver .

Claims by one Competitor against another competing in the same Competition at an Event are excluded.

Damage to participants Competition Vehicles whether caused during periods of Competition or otherwise is not covered.

7. Are Landowners Covered?

7.1. The ASN Master Policy indemnifies landowners in respect of their potential legal liability to third parties following an incident in connection with an Event for which they have loaned the use of their land. This indemnity is to deal with the risk that an allegation is made after an incident that the cause was due to some defect in the landowner ’s premises.

7.2. The ASN public liability policy will only normally pay for damage to a landowner ’s property if it is considered that the club has been in some way at fault and has a legal liability.

7.3. The policy is specific in not providing cover for damage to safety barriers, marshal posts, other course installations and damage to road and land surfaces.

8. Contractual Liability?

8.1. Contractual Liability is the term used in Insurance policies to indicate an obligation accepted by one of the two contracting parties which goes beyond the position that would exist otherwise under the common law of negligence. Insurers exclude such obligations because they do not wish to be bound under their policy by any prior commitment unless they have been given notice of the commitment and agreed to it. Please refer to Marsh Sport for any specific clarification.

8.2. If obligations are undertaken under contract in respect of damage to other property e.g. hired public address equipment, armco barriers or advertising hoardings then the liability cover offered under the Master Policy will only operate to the extent to which it is judged you may have a legal liability under the common law in negligence.

8.3. Under normal circumstances any extension of cover will not include inevitable damage to road and land surfaces. Clubs are expected to take reasonable measures to protect vulnerable property, especially any property of high value which might be subject to damage.

9. Medical Malpractice

9.1. The Master Liability policy is automatically extended to provide medical malpractice cover for volunteer Junior Doctors and paramedics registered with the HCPC and volunteer medical assistants including nurses registered with Motorsport UK , attending ASN authorised Events . The limit of indemnity is £10,000,000 in the aggregate and the cover is subject to a deductible amount of £450 each and every claim.

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