Liability insurance

Liability insurance

Our policies indemnify teams and / or drivers in respect of their legal liability for death or injury to third parties, or damage to third party property following an accident arising out of the competition activities declared to insurers.

  • Cover available whilst practicing, testing and competing.
  • Pit Lane / Paddock included
  • Policies can include sponsors, drivers and team members / helpers
  • UK / European or worldwide territorial limits.

In this increasingly litigious world, it becomes ever more important to ensure that as a minimum you are protected against incurring the costs defending a legal action against you – irrespective of the nature of such a claim.

Motorsport has its own complexities and while some protection may be provided to team / drivers under the event organisers own liability insurance, this is not the same as having your own policy which you can rely on if, for example, a court holds you as the team / driver totally responsible for an incident. Remember, the organisers arrange a policy primarily to protect their own legal liability, not yours.

Although we are sometimes able to arrange policies that include “competitor to competitor” cover, in general, the individual liability of a driver to fellow competitors will be excluded from the cover.

The cover we arrange is “contingent” on the specific event organiser / promoter / licensing body maintaining their own third party public liability insurance.