Revolution June 2025 Issue #75 | Page 29

ADVERTORIAL

James Roberts

The following non-motorsport social activities are included under the Motorsport UK insurance cover:

Important exclusions

Given the breadth and diversity of member clubs activities it is difficult to accommodate all requirements in a master insurance policy, so understandably there are notable policy exclusions that clubs should be aware of, including:

Employers’ liability insurance: This is not included in the Motorsport UK insurance offering. All volunteers, committee members, or working club members could be considered employees of the motor club they volunteer for, from a legal liability perspective regardless of whether they are paid. If any club members are injured while working on behalf of the club( outside of a permitted event), the club may be liable for any claims arising from negligence.

Property and money insurance: Club property and money are not insured under this policy. This means that any assets owned by the club, such as trailers, radio equipment, trophies, and event furniture, are not covered against theft, fire, flood, or accidental damage.

Participation in non-permit motorsport: Clubs organising test days or track days must carefully consider their own insurance requirements for these events, as Motorsport UK’ s policy does not cover participation in non-permitted motorsport activities. Clubs should consider taking out their own Public Liability policy to protect against risks associated with non-permitted activity. For example, Clubs competitors under permit are covered by the Motorsport UK Public Liability arrangement, but wider club activities not under permit are not covered. For example, a club preparing for an event are loading and unloading supplies from their premises and damage third party property or injure a third party while doing so. Such an incident would generally call for the clubs own public liability cover.

Enhancing your insurance cover

To ensure comprehensive protection, clubs should carefully review their individual insurance requirements to confirm that their coverage adequately meets their needs. Consulting an experienced insurance broker is advised to help you determine potential coverage gaps and secure proper protection.

One option available to enhance your coverage is an exclusive package for Motorsport UK motor clubs that includes equipment / property cover on a UK basis, money cover, and employers’ liability cover for activities outside of the permit. This package is offered through Marsh Sport, the appointed insurance broker to Motorsport UK. For events involving non-competitive vehicles, such as track or test days, clubs can also add public liability cover on an ad hoc basis for an additional premium, with a limit of indemnity set at £ 5,000,000. For clubs requiring bespoke quotations, these can be arranged following a full review of the club’ s needs.

Prioritising proactivity

Understanding the extent of the insurance cover provided by Motorsport UK is crucial for all member clubs. While the policy offers substantial protection, it’ s important to be aware of the exclusions and consider additional coverage options to ensure your club is fully protected. By taking proactive steps to enhance your insurance cover, you can focus on delivering exciting motorsport experiences while safeguarding your club’ s interests.

For further information or to discuss your insurance needs, please contact Marsh Sport at www. marshsport. co. uk / motorsportuk

Marsh Sport is a trading name of Marsh Ltd. Marsh Ltd is authorised and regulated by the Financial Conduct Authority for General Insurance Distribution and Credit Broking( Firm Reference No. 307511). Copyright © 2025 Marsh Ltd. Registered in England and Wales Number: 1507274, Registered office: 1 Tower Place West, Tower Place, London EC3R 5BU. All rights reserved.

Revolution- June 2025

29