Personal Accident Insurance is often the last thing on your mind when preparing for a race and so, working in conjunction with Perkins Slade, we have developed a simple and straight forward policy available exclusively to all myMCF licence holders and is one of the few available to YOUTH riders as well as adults. The cover includes permanent and temporary disablement, fracture, loss of limbs and death as standard and is included with every myMCF Licence.
With cover operative on a 24 hour basis for all motosport activites, you will be insured not only for all competitive MCF events, you can have peace of mind whilst testing, practicing or racing in any form of Motorsport with any organisation.
The following information is a brief description of the benefits that come with taking out personal accident insurance as part of your myMCF licence, this personal accident insurance is not available on the open market and only available through the MC Federation. Insurance cover will run concurrently with your licence and is only valid whilst you hold a current myMCF licence. All insurances taken out with the MCF are governed by English Law and is underwritten by 100% Lloyds of London.
|Operative Time: 24 Hour Motorsport
||What it means to you
||What is not covered
(Significant exclusions or limitations)
||A lump-sum benefit to you of you die as the result of accidental bodily injury.
||The insurance is only available to myMCF Licence Holders.
You taking part in any occupation, sport or pastime of a hazardous nature other than your motorsports activities.
You engaging in or taking part in armed forces services or operations.
You engaging in flying of any kind other than as a passenger.
Your suicide or attempted suicide or intentional self-injury.
Your deliberate exposure to exceptional danger (except in the attempt to save human life).
Your own criminal act.
You being under the influence of alcohol or drugs (unless prescribed for you by a qualified medical practitioner) or treatment for drug addiction.
Terrorism, War or Radioactive contamination.
AIDS or illness of any kind.
Claims arising out of any existing medical conditions for which you have received treatment.
*We will not pay any claim for the first 42 days of each Temporary Total Disablement claim.
We will not pay more than 75% of your gross weekly earnings.
|Loss of sight in both eyes:
||A lump-sum to you if you permanently lose your sight or permanently lose, or lose the use of, a limb as the result of accidental bodily injury.
|Loss of sight in one eye:
|Loss of two limbs:
|Loss of one limb:
|Loss of sight in one eye and loss of one limb:
|Permanent Total Disablement:
||A lump-sum to you of you are permanently disabled so you cannot carry on in any occupation as the result of accidental bodily injury.
|Temporary Total Disablement:
||A weekly benefit to you of you are disabled so you cannot carry on in your occupation as the result of accidental bodily injury. The weekly benefit for minors is restricted to extra tuition and transportation costs.
||£50 per week for up to 52 weeks from the date you first became disabled.*
Complaints - If you are not satisfied with the service you receive from us you should contact in the first instance Policyholder & Market Assistance Lloyds Market Services, One Lime Street, London. EC3M 7HA. If we are unable to satisfactorily resolve your problem you may be eligible for the Financial Ombudsman Service.
Financial Services Compensation Scheme – Lloyds Insurers are covered by the Financial Services Compensation Scheme. Further information is available from the FSCS website http://www.fscs.org.uk
The Insurer – 100% Lloyd’s of London
*Bone fracture paid on a sliding scale dependent on bone broken