What's Covered under Public Liability & Personal Accident

Motorsport UK effects Master Insurance Policies only in respect of public liability and personal accident risks and this cover applies to all events held under permit or for which an exemption permit is granted.

Public Liabilty

Public Liability is defined as any person injuring another or damaging another's property as a result of acting negligently, this may result in an action for compensation being brought against them. Motorsport UK has arranged public liability insurance to protect clubs organising events against this potential legal liability.

Key benefits:

  • Indemnity to the level of £67,000,000 for any one accident
  • Indemnity to the level of £67,000,000 for the Club's Sports and Social clubs
  • Costs of defending club against allegations are covered
  • Cover protects an organising club and its officials
  • Medical malpractice cover is included - see Terms and Conditions

Download full policy wording.

Motorsport UK's Liability Insurers are:

Liberty Mutual Insurance, 21st Floor, 20 Fenchurch St, London, EC3M 3AW

Reference Number 1000240240-06

UMR B0901L61817971000

Club Social Activities

JLT Sport together with Motorsport UK has extended the Motorsport UK Liability insurance programme to extend the activities from Motorsport UK permitted events to Motorsport UK affiliated club social activities. This is an excellent benefit to clubs and ensures there is a seamless cover in place between the staging of a club event and the social activities of the club.

The types of social activities, which are included, are of a non-motor sport 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 cover which your club must understand. These are:

  • Participation in motor sport activities of any kind whatsoever
  • Use of Pyrotechnics and Explosions
  • Overseas activities
  • Commercial activities for commercial gain excepting raffles, prize draws and the like
  • Employers Liability

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.

If you are in any doubt whatsoever concerning the extent of cover available to your club under this extension of cover please call JLT Sport on 020 7528 4094.

Personal Accident

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.

Motorsport UK 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 accident occurs within in the terms and conditions of the policy.

In addition to covering officials Motorsport UK has arranged automatic cover for all Competition License Holders. This insurance is operative during any competition and/or official practice session at an event run under permit issued by Motorsport UK or for which a Certificate of Exemption has been issued or run in accordance.

General Notes

We have also provided general notes that we have found helpful to members. These include the following:

  • Competitors or Clubs competing abroad
  • Foreign Competitors in the UK
  • Social Events
  • Marshals' Training
  • Standard Motor Policies
  • Events on Public Roads
  • Insurance Fees
Download full explanation of these general notes.

For further information, please contact Richard Rainbow, JLT Sport on +44 (0)20 7528 4094