[mark christopher]

Originally Posted by terry.sc

I think the difference is that 25 years ago we all read the handbook and understood what public liability insurance is. Today, based on this thread it looks like people have just seen the word 'insurance' and jumped to the conclusion that it protects them for everything.

After all, there are still some beginners who assume, like 1:1 car insurance, it covers them for damage when they break their car while racing.

Also 25 years ago for most cases if we stood on the track and a car ran into us and broke our ankle we would blame ourselves for stepping out when it wasn't clear. We had the common sense to know that if we didn't want to get injured we didn't step out on the track without looking first, or to stand at a marshalling point where there was a chance you could get injured. Now it appears that because they have heard the word 'insurance' used in connection with their BRCA membership people have assumed if they get injured for any reason then the BRCA will pay out for any expenses or loss of earnings.

For those moaning about not covering loss of earnings when injured, as has been pointed out several times in this thread being injured when racing is no different to injuring yourself at home. If you can't afford to lose income due to a broken ankle while marshalling, then you also can't afford to lose income due to a broken ankle caused by falling off a step ladder at home, or if you stepped out in front of a 1:1 car. If you are employed your company sick pay should already cover you, if not then you should have already taken the responsibility of sorting out your own personal accident insurance anyway.

BTW in my case, although I would advise taking it out anyway, you do not need BRCA membership to race at my club as I have to pay for a proportion of the halls public liability insurance on top the rent. This has more cover than the BRCA insurance, but even with sharing the insurance with the likes of slimming and dog training clubs it still costs quite a bit more than BRCA affiliation.

so under the brca if my car breaks a heart sugeons finger at a club after leaving the track, he could sue me for £££££££ and my brca would pay, if i came to your club as a non brca member (no insurance) and the same happened would the venues insurance cover me the same?