Quote:
Originally Posted by mark christopher
The main reason you have cover Via brca is to protect you against claims. it is not personal protection cover
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This.
It is Public Liability Insurance - NOT personal accident.
It is designed to cover you as an individual, either as a driver of an RC car or as an organiser (as we nearly all race at clubs, we're nearly all 'organisers' at some point) from claims made against you.
If somebody hits you, while spectating for example, you don't claim off 'your' cover, you would effectivly be claiming against the driver &/or the organiser as either the former did something stupid or the latter didn't make the safety fence good enough.
Without PL cover in place nobody in their right mind would organise the race meetings (be it a small club or anything larger) as the costs involved if anything goes pear shaped are horrific.
BTW most actions arn't brought by individuals, they tend to arrise from employers insurance companies - as they former have insured against long term sick pay claims.. can all get very messy and very complicated.
Got one action going on currently, heaven knows how much paperwork it's generated so far..
I've dealt with one action where the defendant (A club committee) didn't have PL cover in place (they wern't affiliated, individual members or sourced it elsewhere) and I don't want to see it again as the results weren't pretty.
So if you race / use RC cars then you need PL cover from somewhere.
If for whatever reason you don't want to be a BRCA member then please make sure you get it from somewhere else.