Hi All
Craig, Terry & Stumpy have it spot on.
Once YOU make the decision to leave the marshals post, you have made that call and if a car then hits you it's essentially your fault.
The insurance is really aimed at ensuring you, as a driver, or event official, don't have to put your hand very deeply into your pocket when somebody sue's you after a car - heaven forbid - ends up in the spectators..
(which has unfortunatly happended, there have been a few serious accidents over the years)
The cover whilst at your post is really an added bonus as it's a carry over from the full sized motorsport world (our policy is actually a scaled down version of the same one the Motorsport association use)
However what it doesn't include is -
Personal Accident Cover (i.e. where you through your own actions, such as tripping over a perfectly ok track marker, or stepping out right in front of a car basically hurt yourself)
This has been offered to the membership a couple of times but always rejected out of hand due to the cost of it (it would basically triple the membership fee)
Terry summed up the next bit very nicley:-
If you think that if you can't work you could end up losing your house, then you should already have your own personal accident insurance which would cover being hit by an r/c car. After all, breaking an ankle by an r/c car on a track hitting you is no different to being hit by a stray r/c car hitting you in a car park or even breaking an ankle by tripping on some stairs.
Any high street broker can provide this, it's not too expensive and well worth it if you don't have some other form of income protection.
To finish off
The cover has always been like this - it hasn't changed for at least the last 25 years.
There are currently no plans to change it. - though it is always reviewed.
Last bit is this:-
It's everybodies job to ensure safety, if YOU think anything is unsafe at an event it's YOUR responsability to inform race control, be it a poor track markers, marshals post badly sited or protected, dodgy bumper on a car even somebodies driving..
Stay safe out there!
Jim Spencer
Treasurer (& Insurance Bod)
BRCA
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