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 Version 11
Chapter 1 Appendix 3- Insurance 54