Ducati Sporting Club UK > General > Ducati Insurance - Questions and Answers! > Personal cover, a question? For if the worst happens...

[Annette]

None of our life policies or mortgage policy covered for death on the track. We'd enquired at the time of taking them out. And to my knowledge they don't exist.
And they mostly also have a clause for not riding a motorcycle on the road too.
We had a special track policy, although I can't remember who it was with. They took a very very long time to pay out and the pay out was minimal.
So, the moral of the story is that each time you go out on the track you not only risk yourself but your family too, 'ffraid to say. No mortgage settlement, no money to pay for the funeral, everybody and their aunt knocking on their door to settle credit card debts and overdrafts. It's not pretty, Frank.
A black picture, but a true one.

[Iconic944ss]

Thanks Annette, sadly thats pretty much the impression I had of the products available too.

Regards - Frank

[TP]

You can get the death cover, but it's not cheap ... I was paying £200/mth

[JasonBoswell]

Before the start of this DD season I doubled checked my two life policies that I was covered while on track. I declared it in writing, and both Standard Life and Liverpool Victoria wrote back to confirm that all is ok.

Also, confirmed my BUPA is ok should I need bones stuck together, and critical illness and accident should I need looking after.

Although racing is in itself dangerous, insurers have a big book of risks and quite likely they take the view that a season of organised club racing is no less a risk in the grand scheme of things than what someone does for a job all day (construction, courier, lion tamer), and what they might get up to at the weekend (rugby, shooting, DIY).