Competition Insurance - Why do you need it?

[maddog]

Why do you need full comprehensive insurance when competing in events like Nissan Trials and Woodpecker. Your insurance isn't going to cover you if you do something because you are participating in motorsport/competition.

Does anyone know?

[Jimmyb]

i use a company called N.O.N.E.

they specialise in NUTHN, especially in competition, just like most insurance companies actualy.

[maddog]

Yes, that's been my policy as well Jimmy, however Nissan trials specifically states that you need to have comprehensive insurance on your vehicle. Yet this comprehensive insurance cannot be applied to your vehicle as you are using it in motorsport.

[Jeff]

Perhaps its an easy way to show that you've gotten your mods engineered, and that the vehicle is road legal?

[maddog]

Wouldn't producing an engineer's certificate and RTA rego form that has been updated saying that your vehicle is engineered be just as easy for them, and a hell of a lot easier for us? This is somewhere between $850 and $2000 that I'm going to have to shell out just so that I can participate in the comps. If not for their requirement, I'd continue to drive uninsured.

:evil: :evil: :evil:

[sir_camel]

u could get it and cancel your policy just after if u wanted. they r required to pay u back for watever u didnt use plus cancellation expenses but an option

[H.G]

get it the day befor eyou compete.. over the phone.. they give you a few days grace until payment is due.. then cancel it .. the paper work would be official though.

[zzzz]

I think most polices ban timed events.
And most four wheel drive comps use points and are not timed.

Would need to clarify that against each policy though :)

[Jimmyb]

zzzz your right!

[TJ]

happygutz is right, you get a 2 week grace period to pull out without penalty.

[Goneforgood]

I think its more for if you hit someone else. Sounds silly, it just happened to me this weekend old mate claims his hand brake fail and ran up my arse while waiting to drive in an event. I think he was a d!ck head.

[mattc]

Surely 3rd party property in conjunction with compulsory insurance would be enough.

[Ben]

I think most polices ban timed events.
And most four wheel drive comps use points and are not timed.

Would need to clarify that against each policy though :)

Just check AAMI's policy book, not covered in any sort of a competiton/trial/etc.

[mattc]

...and to be fair - why should you be able to roll your Jeep in a comp and have insurance pay for it? So my premiums go up too - yeah right. IMHO that's the risk of competing - you break you fix it. As I said 3rd party property should be enough and then again what sort of rock crawl comp would have you crashing/rolling into someones else Jeep or property while competing....I guess there are situations where it is good to have. 3rd party compulsory (personal) I guess is the minimum assuming you are registered.

[goodol55]

Surely 3rd party property in conjunction with compulsory insurance would be enough.

Agree wholeheartedly.

Maddog...If u have the entry form try phoning the event secretary and ask them WHY?

My guess is it has something to do with them getting their own "event" insurance.

Would love to hear the reason. :?