FYI
Enduro1’s take on the subject:
Regarding Insurance
Most of you have are no doubt aware of the debate regarding competitors having to obtain their own personal accident insurance in order to ride certain Gravity Enduro races.
I have been looking into this matter as I firmly believe it is the way forward for riders who race or partake in a sport that is considered dangerous. However, at this stage the way cover is underwritten and the criteria required by the underwriters in order to quote it is impossible to obtain blanket cover as a race promoter that covers their competitors in case of injury. Underwriters will only quote on an individual basis as they need to know your details, claim history etc before quoting as everyone is different and not just regarding age.
As a race promoter I only have to obtain third party public liability insurance that indemnifies the landowner and myself in the event of a member of the public being injured during the event. It does not cover you as a rider and you would have to pursue my insurers or me personally to obtain a financial payout, that is hard to win unless of course I am guilty of gross negligence, which I do everything in my power not to be.
Think about this. If you are self employed and god forbid sustain an injury preventing you from working are you sufficiently insured that your mortgage and bills can be paid and you can provide for your family, should you have one? If you have insurance does it cover you for competitive mountain bike racing?
Those of you employed, are you sure your companies sick pay policy covers you for competing in a dangerous sport? Some don’t so check.
Please be aware that British Cycling insurance will no longer cover you for any Enduro racing in the UK including our Enduro1 races.
We are working on a cost efficient why of implementing this but it will take time. So, I will not be insisting that you have personal cover to race the series at this point in time, however, I strongly advise that you obtain it as it’s a no brainer, especially for the self employed!