Frequently asked questions
Clear answers to recurring questions. Individual cover always depends on the specific policy and risk.
Is motocross covered by ordinary accident insurance?
It depends on the policy. Racetracks, training facilities, competitions, timing and related practice sessions may be excluded.
Does nobody have liability on a racetrack?
No. Motorsport involves an inherent risk, but negligent or grossly negligent conduct may still lead to claims.
What is passive legal protection?
A covered liability policy examines claims, defends unjustified claims and pays justified claims within the agreed scope.
Is licence insurance sufficient?
Not necessarily. Scope, territory, limits and insured activities must be coordinated with private policies.
What do I need for a training camp abroad?
Medical treatment, rescue, repatriation, accident, liability, cancellation, baggage and motorcycle transport should be reviewed.
Are children insured in the same way as adults?
Not automatically. Age limits, supervision, consent, insured sports and benefits must be checked.
Why is specialist motorsport liability cover important?
Ordinary personal liability policies often exclude the use of certain motor vehicles and motorsport. Specialist cover may provide protection and defence.
What should be documented after an accident?
The circumstances, participants, witnesses, photos, event documents, medical reports and notifications should be preserved promptly.