If you thought mandatory full facers were a pain for UKGE…

So your forfeit your membership of BC by racing enduro?
I though you’d just not be covered by the insurance for that event?

Of course not, its just lazy language, in line with the explanation of the insurance situation.

Rorschach – Member

Are you willing to personally under write an event in case of a negligent litigation against it ,on the basis that….’well no one has done it (that I am aware of) before in this country?’
That’s what you’re expecting the organiser to do…

Nup. Steve’s been totally clear, this is personal cover only, it doesn’t replace the organiser’s insurance- they still have all of their liability cover in place exactly as before for the series

I’m struggling to see the point aswell ?
You have an accident and claim on your personal accident policy. As sure as night follows day, if your insurers think negligence was involved, their going to try and get their money back from the race organisers.
It might even make a claim even more likely. Without PA I’d just suck it up incase of an accident. After paying a premium I’d probably make a claim, starting the whole claim and counter claim ball rolling.

Hope Parr reads your comment Taxi25, because the same goes for me and I’m sure lots of others too.

More insurance means more of the “sue culture” that he’s afraid of.

Dragon Parr wants to set up am enduro federation to do just that but not able to put in place this year

Mondraker gravity rally canceled this year too, not sure if thats an insurance issue ?

Scottish Enduro Series have confirmed no personal insurance requirement. Puts paid to any nonsense about this now being a practical requirement rather than the organiser’s choice I think.

^^

Do they not have mates in the insurance business?

^ Lulz! ^

@kimbers – The Mondraker Exmoor enduro is not on this year as the National Trust estate has new management so the organisers are given them time to settle in according to their Facebook page. They hope to have it back in 2016 so fingers crossed

The director of the insurance co is now putting his oar in on FB – so far it’s enough to make sure I never deal with that company

Why do we need insurance? Last year I raced and even though enduro was covered by BC i never thought I had PI cover just because I entered and I wouldn’t even have thought of it.

Why do we need PI insurance now?

That’s the million dollar question, and they still haven’t answered it.

How much for a hand ? I broke my 5th metacarpal on stage 2 of the last ukge

And how much for a gash in your head picking up a curry

I bet if I takes the insurance out I won’t injury myself at all this year, I think thats good

Nah, you’ll just **** ligaments and the like instead as they don’t seem to be covered

I broke my wrist at an Enduro race last year and smashed my knee up at another. I also wonder what I should get….

I posted this on the Facebook thread:

This might seem an off the wall suggestion but has anyone considered speaking to British Eventing (the horse thing!) Their sport is far more dangerous than enduro (over a dozen deaths in the last decade), with large courses, partially taped, and spectators wandering about. And horses being random! Find out what cover they provide and what they expect of the riders. I believe they rely heavily on people signing disclaimers! http://www.britisheventing.com

And to add to that, I’ve been on quite a lot of horse riding holidays, where you sign a disclaimer accepting the risk and waiving your right to claim damages in the case of an accident.

I’d imagine talking sense like that would get you either ignored or deleted…

I broke my wrist at an Enduro race last year and smashed my knee up at another. I also wonder what I should get

Skills training 😉

Junkyard – lazarus
Skills training

I actually booked a course today!

Not worth the paper it’s written on.

I just don’t understand the ukge logic. It makes no sense. At best it looks like they are clueless and at worst that they are profiteering from their links with their preferred insurance company. Either way, I’m out.

Loving the amount of people saying they’ll leave UKGE races alone from now on, might have a better chance at getting an entry this year, they don’t half sell out quickly for such an ‘awful’ organisation.

But if I was planning to do just one event its £70 for the race + £8×12 for the annual insurance. It seems expensive before you add on the cost of insurance!

I spoke to UKGE preferred insurer yesterday they told me insurance- personal is from £2 a week. this WON’T cover the loss of income so you need another add on for that. I’ve had a few injuries in the last few years this has affected my quote it won’t be £2 a week for me.

I’m still waiting for a official line as to why it’s needed from parr but the insurance company said its all related to the incident at Llangollen and the concern for serious injury to a rider suing the. Race organiser. For speaking to alot of people Who raced last year and wanted to race this year they are not keen on the idea of UKGE any more vague rules that parr makes up as he goes along. The PMBA enduros are going to be very popular!

I can see the concern about the race organiser being sued, but personal insurance will only make things worse as the race organiser will now be dealing with insurance companies rather than individual people.

If I’m paying for a policy that’ll give me cash if I hurt myself and I do hurt myself, I’m going to claim. Without the policy I’d just take it on the chin, chalk it up as bad luck, all part of racing, these things happen, etc.

Ukge is encouraging the suing culture and making it more expensive for everyone, themselves included!

The full face rule had already guaranteed that I wouldn’t be entering any UKGE races in 2015 so I’m just watching this insurance thing with amusement.

PMBA for me this year.

Oh and one point I forgot you can only claim once a year with bespoke.

If any insurance company pays out for an injury or damage, they are as sure as hell going to look at mitigating their loss by seeing if they can’t pin the blame on someone else – probably UKGE – and suing to recover the loss if possible.
It makes little sense for UKGE to get people to insure themselves (even if they are getting a kick back) rather than including them on their policy and charging for it in the entry fee.

I’m still really confused how if I have personal injury insurance it stops me suing UKGE in the event they are negligent…

The sad thing is that Parr genuinely cares that people are covered of they are injured

Its not an insurance scam or conspiracy

Fortunately the series will still sell out and be the best in the uk

Its popular for a reason

I’m still really confused how if I have personal injury insurance it stops me suing UKGE in the event they are negligent…

Your insurance company will pay you, they – in turn – will look at claiming from UKGE if possible to recoup their losses.

Your insurance company will pay you, they – in turn – will look at claiming from UKGE if possible to recoup their losses.

Even if they have been recommended by UKGE and have a business agreement with them? It would be easier for them to avoid paying out would it not?

Oh and one point I forgot you can only claim once a year with bespoke.

All things considered, I think you’d have to be stoney-nutbag bonkers to use bespoke.

plecostomus – Member
Oh and one point I forgot you can only claim once a year with bespoke.
POSTED 41 MINUTES AGO # REPORT-POST

lolz, so if you enter 2 races and make a claim after the first, they shouldn’t let you do the 2nd as you’re no longer covered!

The sad thing is that Parr genuinely cares that people are covered of they are injured

But between the NHS and full time employment with sick pay most people already are.

As a freelancer I find myself in a different position, although when I looked at income protection recently all but one company the broker I was talking to dealt with refused to cover me, and the cover offered by the remaining company wasn’t particularly great.

Legend that’s what I thought!

So who’s looked at any other companies then ?

A fair chunk of the dig crew and organisers are self employed though and I thinks thats a lot to do with it

I must admit bespoke maybe in trouble, I know of 4 people who broke bones last year at ukge races, 2x hands, 2x ribs

One thing with the insurance and then counter suing thing is that there are predefined payout amounts for injury type.

As a result, its easier for the event insurer to calculate risk and so premium, rather than against the usual pie in the sky figures from ambulance chasers. Just a thought.

I’m no expert but even if people have personal cover surely that would not mean that the organisers are no longer liable. Couldn’t the insurer try and recoup the cost from the organiser and rider wouldn’t have waived their rights.

Even if they have been recommended by UKGE and have a business agreement with them? It would be easier for them to avoid paying out would it not?

Well, I would guess that their preferred company is merely a broker rather than an insurance company and wouldn’t be paying from their coffers so – yeah – even with their agreement.

I’m still waiting for a official line as to why it’s needed from parr but the insurance company said its all related to the incident at Llangollen and the concern for serious injury to a rider suing the. Race organiser.

I get the feeling UKGE have been poorly advised and havent done their homework. Just because a rider has insurance that doesn’t remove any possibility of suing. The whole thing is a shambles.

I reckon their intention here is to go after the the riders insurance in the event of an accident. If there was a Llangollen type incident, the riders insuree will be held liable instead of the race organisers. As long as they can prove no negligence on their behalf the liability will sit with the rider. If they make sure they have insurance then they dont have to worry about either them or the rider being out of pocket (unless the insurers deny claims and say the rider was negligent etc)

Again, its an absolute shambles and actually creates a suing culture rather than stopping it 🙁