Motorsport insurance offers dedicated protection for scenarios that standard car insurance never covers. Traditional road policies exclude almost everything that happens on a circuit, during a track day, inside a paddock, or at a racing event. This means that without specialist cover, drivers and teams are exposed to major financial risks.
A dedicated motorsport policy typically includes:
- Accident and injury cover: Support for medical treatment, emergency assistance, and income protection if a driver is unable to return to motorsport activity.
- Vehicle damage protection: Financial cover for repairs or total loss of the insured vehicle during racing, testing, or practice sessions.
- Public liability insurance: Essential for drivers, organisers, and businesses involved in motorsports. It protects you if another participant, spectator, or organiser suffers damage or injury.
- Team and equipment cover: Protection for tools, spare parts, and race equipment stored or transported during an event.
- Event-specific cover: Includes race days, rally stages, track days, and private testing.