JAMES ROBERTS |
The Motorsport UK insurance policy provides a safety net to Registered Clubs
The following non-motorsport social activities are included under the Motorsport UK insurance cover:
• Presentation and award nights
• Annual dinners, anniversary dinners
• Fundraising events, attendance at exhibitions and conferences, administrative duties, and static displays.
● IMPORTANT EXCLUSIONS Given the breadth and diversity of Registered 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, but not limited to:
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
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perspective regardless of whether they are paid. For example 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-permitted motorsport: Clubs organising test days, track days, or other motorised social activities, for example, 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 when participating in non-Permitted club activities 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.
The Motorsport UK public liability programme excludes any form of Road Traffic Act liability. All club officials, volunteers and participants are responsible for ensuring they have adequate RTA cover for travelling to and from, as well as during, any part of the event that is on the public highway with Motorsport UK recently announcing its plans to support those who require on-event top-up cover.
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● 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 Registered 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
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