£10,000,000
- Including Legal Costs for any Claim first made against you during the Period of Insurance.
Clubs and Organisations
Who is covered?
- Motorsport UK Association Limited (including its Employees, Directors and Officers) as the association governing the regulation of motor sport in the United Kingdom and:
- The organising Local Association Club or Organisation
- The sponsors of the Insured Event
- Rescue organisations or their personnel
- Landowners
What insurance cover is provided?
The policy provides cover for Motorsport UK member clubs and organisations within the United Kingdom, the Republic of Ireland and elsewhere in the world (excluding the USA) subject to the issue of a Motorsport UK permit or certificate of exemption.
The period of cover is 12 months from the 1 January each year and includes:
- Public and products liability - £100,000,000
- Medical Malpractice - £15,000,000
- Professional liability - £10,000,000
A £450 policy excess applies to each and every claim (with the exception of claims for third party injuries).
Explore the insurance cover in more detail
This cover only applies to all events held under permit or for which an exemption permit is granted.
£100,000,000
- Legal liability of the Insured parties for injury to third parties and damage to their property (including nervous shock or mental injury, obstruction, trespass, nuisance, interference, wrongful arrest or eviction).
- Legal liability arising from the supply of food or drink or promotional material merchandise or souvenirs sold or supplied in connection with the Insured Event.
- Legal liability of the Insured parties for loss of or damage to officials’ and visitor’s vehicles or personal belongings.
- Legal liability of the Insured parties for loss or damage to premises hired or rented to you for the purpose of your business.
- Legal expenses and costs in defending prosecutions under health and safety legislation.
For full details please refer to the policy summary and policy wording in the downloads section below.
£15,000,000
- Legal liability of the Insured parties for claims made resulting from treatment given by any medically qualified person or persons acting in connection with an Insured Event.
- Defence and legal costs in connection with a claim happening.
- Any event or part of an event not authorised under a Motorsport UK permit or certificate of exemption.
- Any form of Road Traffic Act liability. (Please contact Marsh Sport if cover is required).
- Claims for damage to property which is owned by the club (Property of the Club should be specifically Insured by the Club - please contact Marsh Sport if cover is required).
- The first £450 of each and every claim for damage to third party property; the first £450 each and every claim for Medical Malpractice.
- Participant to Participant where such legal liability arises on the track on the stage or in the pits area whilst operating a vehicle under its own power.
- Damage to any road track circuit or other surface or any equipment or circuit furniture (hired or otherwise - please contact Marsh Sport if track insurance cover is required).
- Fines liquidated damages or penalty clauses.
- Terrorism.
- Liability in any way caused by Asbestos.
- Pollution unless caused by a sudden and identifiable incident.
- Any losses arising from the use of any diggers, excavators, mechanical plant or machinery used by the Insured in the set-up or dismantling of any insured event which is owned, leased, hired or loaned to or by the Insured.
- It is understood and agreed that this policy does not cover any loss caused directly or indirectly, contributed to by or attributable to a Communicable Disease or fear or threat of a Communicable Disease.
Public liability policy extension for club social activities
This benefit is ideally targeted to Motorsport UK clubs who do not engage in commercial activities for financial gain or who do not organise and participate in non Motorsport UK permitted motor sport activities.
This liability insurance policy has been extended from just covering Motorsport UK permitted events to include Motorsport UK affiliated club social activities. This benefit to clubs ensures there is a seamless cover in place between the staging of a club event and the social activities of the club. There are however exclusions to be aware of that we have noted below. If you require particular event insurance that is not covered by this extension please contact Marsh Sport.
The types of social activities, which are included, are of a non-motorsport nature such as:
- Presentation and Award nights.
- Annual Dinners.
- Anniversary Dinners.
- Fundraising events.
- Attendance at exhibitions and conferences.
- Administrative duties.
- Static Displays.
Please note there are certain EXCLUSIONS attaching to this extension of cover which your club must understand. These are:
- The first £450 of each and every claim in respect of damage to property.
- Hazardous and dangerous activities (except in an attempt to save human life).
- Use of Pyrotechnics and Explosions.
- Overseas activities.
- Participation in actual Motor sport.
- Commercial activities for gain / profit except raffles and prize draws or similar.
- Employers’ Liability and Errors and Omissions.
- Liability for bona fide subcontractors.
- Any losses arising from the use of any diggers, excavators, mechanical plant or machinery used by the Insured in the set-up or dismantling of any insured event which is owned, leased, hired or loaned to or by the Insured.
- Claims more specifically insured by existing policies.
- Directors & Officers insurance for clubs is not included within this Motorsport UK insurance arrangement.
- Other club insurances such as: Property, Tools & Equipment, All Risks (Goods in Transit), Business Interruption and Motor Fleet are not included within this Motorsport UK arrangement.
If you are in any doubt whatsoever concerning the extent of cover available to your club under this extension of cover please contact Marsh Sport.