- TRACK DAY
- COMPETITIVE MOTORSPORT
Personal Accident for Motorsport UK Licence Holders
27/02/20 15:27
Personal Accident Cover for Competitors
Personal accident insurance covers death, permanent / partial disability or loss of weekly income that occurs while competing in amateur motorsport.
What You Need to Know About this Cover:
| What Does Personal Accident Insurance Cover? |
| What Are the Different Levels of Cover? |
| How Much Does Personal Accident Cover Cost? |
What Does Personal Accident Insurance Cover?
This insurance covers Motorsport UK licence holders if they suffer bodily injury whilst competing which results in any of the following:
- Death (up to £250,000)
- Permanent Disability (loss of sight, loss of a limb etc.)
- Permanent Partial Disability (loss of speech, loss of hearing etc.)
- Loss of weekly income (up to £2,500 per week)
You can add the following optional extras to create your perfect level of cover:
- Emergency medical and repatriation expenses outside of UK
- Travel to and from events in the UK or Europe
This personal accident insurance policy excludes:
- Illness
- Pre-existing conditions
- Accidents that may occur outside of motorsport events (unless you have also selected cover travelling to / from an event)
- Loss of weekly income for the first 28 days
All personal accident policies expire 31st December in line with competition licences.
Motorsport UK Licence Holders
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What Are the Different Levels of Cover?
Death
This is following an accident and excludes illness. The death sum insured for persons under age 16 is £2,500. For persons over 16 years of age, this policy can cover up to a maximum value of £250,000.
Permanent Disability
This covers you if you suffer permanent disablement that prevents you from performing a number of basic living activities such as feeding yourself, washing, getting dressed / undressed etc. The maximum level of cover for permanent disability is £250,000.
Loss of Income
Providing you are in gainful employment, should you be unable to work due to an accident you can insure for loss of income with a weekly cash sum for up to 60% of your gross income. This benefit starts after 28 days and continues for up to 52 weeks of disability. The maximum level of cover is £2,500 per week.
Medical and Repatriation Expenses
Travel, medical, and repatriation expenses while competing in motorsport events in Europe. You pay the first £250 of each claim. The maximum level of cover is £100,000.
How Much Does Personal Accident Cover Cost?
The following example quotes are for three Motorsport UK licence holders with different levels of cover. All prices include tax and our £19.95 admin fee.
| Age | Death | Permanent Disability | Loss of Income | Medical & Repatriation | Travelling to / from event | Total Price |
| 33 yo | £180,000 | £60,000 | £700 | No | No | £308.12 |
| 46 yo | £150,000 | £150,000 | £1,000 | £50,000 | No | £439.85 |
| 45 yo | £250,000 | £250,000 | £2,500 | No | Yes | £1,476.77 |
