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.
Motorsport UK 2025 National Competition Rules Version 11
Chapter 1 Appendix 3- Insurance 52