Motorsport Group & Personal Accident Insurance
Helping protect drivers, teams, officials and motorsport organisations against the financial impact of injuries.
Motorsport Group & Personal Accident Insurance
Motorsport can be physically demanding, whether you’re competing on track, working in the pit lane, supporting a race team or organising an event. While safety remains a priority, we understand that accidents can happen and may result in time away from work, a loss of earnings and unexpected financial pressures.
At Kingfisher Insurance, we can help arrange specialist Motorsport Group & Personal Accident Insurance to provide financial support following an insured accidental injury for both individuals and organisations.
Who Can Group & Personal Accident Insurance Help?
Specialist Motorsport Group & Personal Accident Insurance can be arranged for a wide range of individuals, teams and organisations that operate within the motorsport industry.
This solution may support:
- Professional drivers and riders
- Amateur competitors
- Race and rally teams
- Mechanics and engineers
- Team managers
- Motorsport support staff
- Motorsport clubs and associations
- Event organisers
- Marshals and officials
- Volunteers
- Vehicle recovery teams
- Motorsport businesses and employers
What Is Motorsport Group & Personal Accident Insurance?
For individuals, personal accident insurance can help provide financial protection following an injury that affects their ability to work, compete or carry out their usual activities.
For race teams, clubs, motorsport businesses and organisers, group personal accident insurance can provide cover for multiple people under a single insurance policy. This helps to protect employees, volunteers, officials or team members.
Whether you’re looking to protect yourself or your wider motorsport organisation, tailored cover can help reduce the financial impact of an unexpected accident.
What Can This Insurance Cover?
At Kingfisher Insurance, we understand that motorsport activities can expose participants, employees and volunteers to a range of risks. Depending on your requirements, cover can be tailored to provide financial protection following an insured accident. We can work with you to understand your needs and identify the appropriate solutions.
Cover may include:
Accidental Death Benefits
A lump-sum benefit that is payable in the event of an insured’s accidental death.
Permanent Total Disablement
Financial support when an accident results in a permanent inability to work.
Permanent Partial Disablement
Providing cover for certain injuries that result in a lasting reduction in physical capability.
Temporary Total Disablement
Financial assistance if an insured individual is temporarily unable to work following an accident.
Temporary Partial Disablement
Offers support when an individual can return to work only in a reduced capacity during recovery.
Loss of Earnings
Protection against the financial impact of time away from work.
Rehabilitation & Recovery Costs
Some policies may contribute towards rehabilitation and recovery expenses following an injury.
Why Is It Important in Motorsport?
We understand how fast-paced the motorsport industry is, often involving high-performance vehicles, specialist equipment, physically demanding working environments and extensive travel. Even with the appropriate safety procedures in place, accidents can happen both on and off the track.
An injury in this environment can have a significant impact on individuals and organisations alike, potentially affecting income, operations, and day-to-day activities. Group & Personal Accident Insurance can help provide valuable financial support when it is needed most.
Common Risks Motorsport Participants May Face
On-Track Incidents
Drivers and riders can be exposed to risks associated with competitive motorsport, including collisions and other accidents during events.
Workshop & Pit Lane Injuries
Mechanics, technicians and engineers frequently work around specialist equipment, tools and performance vehicles.
Event Setup & Breakdown Activities
From transporting equipment to breaking down displays and managing event infrastructure, there are risks for staff and volunteers.
Vehicle Recovery & Transportation
Recovery operators and support personnel often work in challenging conditions where accidents can occur.
Travel Between Events
Motorsport teams are regularly required to travel around the UK and sometimes internationally, which increases their exposure to accident-related risks.
Physically Demanding Risks
Lifting heavy components, carrying equipment, and working in fast-paced environments can increase the risk of injury for those involved.
Whether you’re a self-employed competitor or responsible for a team of employees, volunteers, or officials, having appropriate protection in place can help minimise the financial impact of an insured accident.
Benefits of Group Personal Accident Insurance
For race teams, clubs, organisers and motorsport businesses, Group Personal Accident Insurance can provide a practical way to protect multiple people under one policy.
Key benefits may include:
- Cover for multiple individuals under a single policy
- Protection for employees, volunteers and team members
- Simplified administration compared to multiple individual policies
- Financial support following an insured accident
- It demonstrates a commitment to the wellbeing of your people.
Why Choose Kingfisher for Motorsport Group & Personal Accident Insurance?
Motorsport Expertise
We work with specialist providers who understand the unique risks of motorsport
Protection for Individuals & Groups
Whether you need cover for yourself or an entire team, we can help arrange tailored cover
Dedicated Support
Our experienced advisers take the time to understand your activities and help connect you with the right solutions
Frequently Asked Questions
What is Motorsport Group & Personal Accident Insurance?
Motorsport Group & Personal Accident Insurance is designed to provide financial support following an insured accidental injury. Cover can be arranged for individuals or groups that are involved in motorsport activities.
Who can take out Motorsport Personal Accident Insurance?
Cover may be available for drivers, riders, mechanics, engineers, officials, marshals and other individuals who are involved in motorsports.
What is Group Personal Accident Insurance?
Group Personal Accident Insurance provides cover for multiple people under a single policy, making it a potential option for race teams, clubs, event organisers and motorsport businesses.
Is Group Personal Accident Insurance suitable for race teams and clubs?
Yes. Group policies can help protect team members, employees, volunteers, or club participants under a single insurance arrangement.
Does Personal Accident Insurance cover loss of earnings?
It depends on the policy selected. The policy may provide financial support if an insured individual is unable to work following an accident.
What is the difference between Personal Accident Insurance and Public Liability Insurance?
Personal Accident Insurance is designed to protect insured individuals following an accident. Public Liability Insurance helps protect against claims made by third parties for injury or property damage. You can read more about our Motorsport Public Liability Insurance here.
Explore Our Motorsport Insurance Products
For motorsport teams, businesses, event organisers and more
Insurance for motor trade businesses operating in motorsports activity
Cover for vehicles and equipment in transit
