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PERSONAL ACCIDENT INSURANCE – SUMMARY OF COVER

This is a summary and does not contain the full Terms and Conditions, which can be found in the policy wording. It is important that you read the full policy wording and your Confirmation of Cover when you receive them. 

This Summary of Cover does not form part of the insurance contact.

Name of the insurance undertaking
MO.R.I.S Competition Personal Accident Insurance is underwritten 100% at Lloyd’s of London by Syndicates managed by Jubilee Managing Agency Limited.  Jubilee Managing Agency Limited is entered on the Register of Lloyd’s Managing Agents.

Type of insurance cover
This is an seasonal personal accident policy.  It is designed to provide you with personal accident cover whilst you are competing in, or travelling to or from, any event organised by a member club of the Motor Sport Association (MSA).  All personal accident policies expire 31st December each year, in line with your competition licence.  You will, therefore, need to renew your cover on-line before commencing the following season’s competition activities.

Eligibility for cover
You can buy this cover if you are:
• under 64 years of age, and
• resident in the United Kingdom, and
• a licence holders of the MSA (Motor Sport Association) / Club Card holder of an MSA recognised motorsport club.

Significant features and benefits
• You are covered whilst practicing, testing and racing.
• You must choose to insure yourself against Death and/or Permanent Total Disability.
• Cover combinations are available as follows:

 1.  Accidental Death.  Select cover from £10,000 to £250,000 (cover for minors is limited to £2,500) and/or,

 2. Permanent Total Disability: Select Cover from £10,000 to £250,000
This is for the very serious accident and one which would prevent you from attending any business or occupation for which you are reasonably suited by training, education, or experience and which lasts for a continuous period of 24 months. After this period an appropriate doctor must confirm that there is no hope that your medical condition will improve. 
Important: If you have a highly specialised occupation where perhaps a relatively minor but permanent disability could cause the termination of this occupation, then we would recommend a policy more specific to such needs.

When choosing Permanent Total Disablement you have the option at the time of purchase to extend cover to include Partial Disability.

3. Partial Disabilities: This can pay you a proportion of the Total Disability specified above where you suffer such injuries as Loss of: sight, Loss of limb(s), Loss of hearing, and total amputation of toes. A full scale of compensation can be found in page 4 of the policy wording.

Once you have chosen Accidental Death and/or Permanent Total Disability you have the options to extend coverage to include the following:

4.  Emergency medical expenses:  (This is NOT a private medical insurance).
If you have an accident in the UK that requires emergency treatment the NHS will take care of you. You will only need this cover if you are racing outside of the UK and within Europe. If you are racing beyond European boundaries and you require this cover you will need to call us since there may be an additional premium to pay. Repatriation expenses are limited to £5,000 any one accident.

 5.  Loss of weekly income (Temporary Total Disablement): Providing you are 18 to 64 and in gainful employment (and therefore receive an income), should you be unable to work this insurance will provide necessary compensation. The weekly sum insured should be based on the nearest figure to your net weekly income. The insurers will pay this benefit up to a full 52 weeks, excluding the first 28 days. The maximum weekly level of benefit is £2,500 or 60% of your normal gross monthly earned income, whichever is the lower amount.

It is important that you understand that you cannot select Partial Disability without Permanent Total Disability and you cannot select Emergency Medical Expenses or Temporary Total Disablement without Accidental Death and/or Permanent Total Disability. 

Significant and unusual exclusions or limitations: Like all policies of this type there are some situations that are not covered and situations where a payment condition may apply.  Please refer to the Exclusions and General Conditions sections of the Policy.