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Difflock Royalty
Joined: 19 Jun 2002
Odometer: 40007
Location: Northern Ireland's Gold Coast
2009 Land Rover 110 CSW
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 Posted: Wed Feb 08, 2012 1:36 pm Post subject: Increased insurance cover
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| Quote: | MSA announces increased insurance cover for officials and events
The insurance cover offered by the Motor Sports Association’s master policy has been increased with effect from 1 January 2012.
Public Liability
In line with a general increase in awards made by courts and the legal costs incurred by claims, the MSA’s Public Liability cover for all events held under an MSA permit (or a Certificate of Exemption) has been increased from £30m to £40m for any one incident or accident.
Personal Accident
Additional Personal Accident benefits – superseding those published in the 2012 MSA Competitors’ & Officials’ Yearbook – have been amended as follows:
Officials ONLY
Temporary total disablement
Up to a maximum of £2,000 expenses necessarily incurred following any one accident, for those not in regular employment.
[Note: the previous cover had been limited to loss of earnings which offers no benefit to those not in employment]
Broken bone
Spine / skull / neck – £1,000
Elbow / arm / wrist – £400
Hip / pelvis / leg / ankle / feet – £400
All other bones, per fracture – £100
[Note: previous cover was limited to £200 for broken arm or leg, and £50 for all other bones]
Medical expenses following an accident, including repatriation to normal country of residence
Capped at £25,000.
[Note: this benefit has been introduced to cover medical expenses incurred during MSA-authorised activity outside of England, Scotland, Wales or Northern Ireland]
Competitors ONLY
Broken bone
Spine / skull / neck – £500
Elbow / arm / wrist – £200
Hip / pelvis / leg / ankle / feet – £200
All other bones, per fracture – £50
[Note: previous cover was limited to £200 for broken arm or leg, and £50 for all other bones]
Colin Hilton, MSA Chief Executive, said:
“We have a responsibility to monitor the cover that is offered by the MSA’s Master Policy to ensure that it keeps pace with the today’s requirements. This is especially true of the cover that we provide for our member clubs and volunteer officials, without whom the sport could not take place. The MSA is committed to providing every possible assistance for clubs and volunteers as we look to grow the sport further and attract more people to get involved.”
The MSA would like to remind competitors and officials that every claim is considered on an individual basis and it can never be guaranteed that benefits will be paid. Therefore, accidents that may lead to a claim on these policies must be reported to the MSA as soon as possible and expenses should not be incurred on the assumption that they will be reimbursed.
The MSA further reminds its members that Personal Accident benefits are only relevant to issues at MSA-authorised events, although Officials are also covered on direct journeys to and from such events. Additional Personal Accident cover, including repatriation, can be purchased by competitors on top of the MSA policy, further details can be found at www.jltsport.com.
Full details of the MSA’s insurance cover can be found in Appendix 2 of the MSA Competitors’ & Officials’ Yearbook (the ‘Blue Book’) which is also available online at http://www.msauk.org/site/cms/contentCategoryView.asp?category=609
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