Insurance to participate in competitions
In general, auto and motorcycle insurance contracts exclude competition from their guarantees. In fact, the problem with motor sports is the driver's injuries and the breakage of his equipment, which is almost always in the event of an accident. Added to the damage suffered indirectly by other pilots and their equipment, for an insurer, all this is expensive to reimburse.
Any participation, or any attempt, carried out within the framework of a race, an event or a competition is also excluded from the "normal" scope of the civil liability guarantee. Depending on the type of competition in which the insured wishes to participate, he therefore needs specific coverage. There are several choices available to him.
Insurance linked to a sports license
If the driver is licensed from a motor sports association, league or federation, this license is always accompanied by an insurance contract, relatively well suited to the practice of the sport in question and to organized competitions. in this context.
Adding an endorsement
If the auto or motorcycle insurance contract already includes very extensive guarantees, it may be sufficient to add one or two, specific to the context of the competition. In this case, the insurer will surely demand a higher or lower premium depending on the coverage required.
If you have taken out an accident-of-life guarantee, you should know that it covers damage suffered during the practice of a sport.
Take out a specific contract
To be fully covered, you may need to take out a new contract with your insurer or another that specializes in covering large risks. In this way, the guarantees will be really adapted to the needs of a type of competition (for example a rally abroad).
Insurance for a car or motorcycle rally
In this context, it is a question of ensuring:
Any damage suffered by racing vehicles: car, motorcycle, truck, quad;
Damage to assistance vehicles;
The phases of transport.
In principle, all possible risks are covered by insurance. This includes, for example, theft or damage to equipment and accessories installed on or in the competing vehicle. On the other hand, personal effects left in the vehicle are generally excluded from the cover against theft.
For the return trip, the vehicle is covered for "specific damages" (FAP), that is to say for all damage caused to the vehicle.
The excluded risks: these are generally the risks incurred by the equipment, the pilot and his staff, due to war, riot, act of piracy, capture or detention by the authorities. Then, we often exclude the damage caused by the insured material, by the pilot himself and his staff, whether accidental or intentional.
However, the list of damages taken into account or excluded from the auto insurance contract is always negotiable depending on the context and especially the budget available. So that's what you need to spend the most time on.
To help you make the best choice for your auto insurance, according to your needs and your criteria, call an auto insurance broker like Coover: you quickly get the best quotes for your car and benefit from the best prices while saving time. :
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