Car Racing Insurance

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Everything You Need to Know About Motorsport Insurance

With prominent figures such as Sébastien Loeb, Sébastien Ogier, Jean-Eric Vergne, Simon Pagenaud, Romain Grosjean, and Esteban Ocon, motorsport in France enjoys constant appeal. The French Federation of Motorsports has nearly 55,000 members, fans of powerful engines, beautiful machines, and roaring circuits. Motorsport encompasses various unique disciplines that are characterized both by the adrenaline they generate and the risks they pose. To fully live out this passion, it is therefore preferable to subscribe to a good motorsport insurance policy.
An Overview of Motorsport
One doesn’t need to be Einstein to know that motorsports involve the use of a motor vehicle. However, there is a wide range of activities that fall under motorsport: karting, circuit racing, rallying, historic vehicle competitions (VHC), and drifting, among others. Very popular in France and well-represented with prestigious competitions such as the 24 Hours of Le Mans, the Formula 1 Grand Prix, and various international rally races, motorsport provides intense thrills but requires excellent control, given the risks it entails.

Risks in Motorsport
The risks involved are of various types: they can be due to human error or mechanical failure. But when a high-performance car is racing at full speed, any failure can quickly have very serious consequences. Off-road accidents, collisions, and other incidents can result in dramatic outcomes. While several deaths related to motorsport occur each year, it is also important to consider the probability of accidents leading to injuries, hospitalizations, and sometimes disabilities. When engaging in motorsport, it is therefore crucial not only to have good control over your vehicle but also to be well-protected, so that insurance can cover any costs related to an accident.
Getting Motorsport Insurance
At AssurSport, we love all sports, and we understand the importance of having good insurance when practicing any sport. By taking out insurance that includes motorized sports, you protect yourself against all medical expenses you may incur in case of an accident, whether you are practicing your sport for leisure or for training. Another benefit, your AssurSport motorsport insurance also includes civil liability coverage if you are responsible for an accident during your sport: property damage and physical injuries are thus covered. But remember that your AssurSport policy does not cover official competitions requiring a specific license. Good to know: note that motorsport insurance covers civil liability and medical expenses. However, it does not cover the material costs related to the damage of your vehicle. Additionally, the AssurSport (motorized sports option) also covers all your other sports activities!