Participant liability insurance

Participant liability insurance / motorsport liability insurance

From now on, holders, owners and drivers of (racing) vehicles used in motorsport events must maintain a minimum insurance sum for personal injury, property damage and other financial losses to third parties, including spectators and other bystanders.

Law implementing Directive (EU) 2021/2118 with regard to motor vehicle liability insurance and the control of the corresponding insurance obligation and amending other insurance law provisions*
From April 11, 2024.

The insured sum must meet the requirements of Section 5 d of the Compulsory Insurance Act and applies to damage caused by the use of the racing vehicle at motorsport events and activities such as races, competitions, training, tests and demonstrations.

The minimum amount of the insured sum according to Section 5 d of the Compulsory Insurance Act is per claim
1. 1. for personal injury 7.500.000 Euro,
2. for property damage 1.300.000 Euro,
3. for financial losses that are neither directly nor indirectly related to personal injury or property damage 50.000 Euro.

Would you like to take part in one or more track days or tourist rides with your own or a rented vehicle but need liability insurance?

You would like to take part in a track day or tourist ride with an unregistered vehicle but need proof of liability insurance?

We offer you a so-called participant liability insurance or track day liability insurance, which insures you during all track days and tourist rides in a year.

Premium calculation basis / type of insurance

Automobile/Kart
600,00 € plus the respective state tax

Motorcycle
500,00 € plus the respective state tax

Motorsport liability / track day liability insurance sums insured:

The maximum compensation paid by the insurer for all loss events in an insurance year is twice the sums insured listed below

EUR 7.500.000,– Personal injuries
EUR 1.300.000,– Property damage
EUR 400.000,– Material damage to participants among themselves
EUR 50.000,– Financial losses

The track day liability insurance also covers the liability claims of the drivers, vehicle owners and vehicle owners among each other. The participant is not entitled to settle any claims without the prior consent of the organizer.

The insurance cover for track day liability insurance extends to the legal liability of the insured person (driver) and must therefore be taken out per driver (not per vehicle).

This means you can drive as many vehicles as you want per year.

This insurance cover applies when participating in motorsport events on closed race tracks within Europe / Germany. The insurance cover is subsidiary to any existing private liability insurance, motor vehicle liability insurance and/or event organizer liability insurance.

In conclusion of our motorsport accident insurance / motocross accident insurance, please simply fill out the motorsport accident insurance application form and send it to us by email to: groenen@raceinc.de.

You can of course also take out participant liability insurance / track day liability insurance in addition to our track day insurance.