new-fg-owner
Well-Known Member
hey guys i've been looking at getting a brca membership and just read up on how important it is to have some sort of public liability insurance. ill copy and paste something i found on another site. it was posted by a guy called adrian so i want to avoid any like plaigerism or anything! is this ok to do???
ok so heres what it said
The Serious Bit – Insurance & The RC Racer
As treasurer of the BRCA I am responsible for the administration of the public liability insurance for our membership, I am quite regularly asked details about why it’s necessary, what it covers, and why its becoming a really important area of today’s society and how it effects YOU.
The most important point is what it is for:- Public Liability insurance covers the individual or club against claims made against them for injuries or other damage caused to members of the public i.e. any other racer (who at that moment isn’t involved in the race), a spectator, or other bystander or property belonging to them.
It is a sad fact of modern living that an ‘Accident’ is no more, they just don’t happen any more, we now have ‘incidents’ and ‘incidents’ are always somebody’s fault, this is to allow solicitors to make a living, and for people to think about ever more amazing ways to get ‘compensation’. Nearly every day we see adverts on the television for specialist legal firms offering a ‘no win no fee’ service, for compensation claims, for injuries received.
These ‘experts’ are the people you end up dealing with when things go wrong.
Rule No. One - Model Car Racing is Fun.
Rule No. Two - Fun does not mean irresponsible.
Is it really necessary?
Well that depends on your outlook doesn’t it? Insurance is only necessary when you need to use it, however there are, I would estimate, 15,000 racers in the UK, plus countless thousands just using RC cars for fun. I personally deal with about 4 cases in an average year for the BRCA membership of some 8,000, so the odds are about 2,000 to one that you will be involved in accident in the next twelve months that results in an insurance claim, pretty low, but I bet you have a go on the lottery and that’s 14,000,000 to one!
A race director / club chairman will insist that you produce your membership card, or prove that your insurance is valid, before he lets you race. Can you imagine the problems for him if he allowed someone without insurance to compete and injury to a member of the public or another racer happened?
Remember it is their responsibility to ensure that they and the club and all the racers present are insured and all protected from personal liability – they are not being awkward they are being very sensible indeed, respect it – or race somewhere else / not at all.
If the sport ever became uninsurable then there wouldn’t be any racing as nobody (in their right mind anyway) would be willing to put the events on or run a club for it.
please remember this is something i have copied and pasted just thought its an important subject to hightlight as ive never thought of it. please please do let me know or remove this if its not ok to copy and paste things into the threads. thanks guys
ok so heres what it said
The Serious Bit – Insurance & The RC Racer
As treasurer of the BRCA I am responsible for the administration of the public liability insurance for our membership, I am quite regularly asked details about why it’s necessary, what it covers, and why its becoming a really important area of today’s society and how it effects YOU.
The most important point is what it is for:- Public Liability insurance covers the individual or club against claims made against them for injuries or other damage caused to members of the public i.e. any other racer (who at that moment isn’t involved in the race), a spectator, or other bystander or property belonging to them.
It is a sad fact of modern living that an ‘Accident’ is no more, they just don’t happen any more, we now have ‘incidents’ and ‘incidents’ are always somebody’s fault, this is to allow solicitors to make a living, and for people to think about ever more amazing ways to get ‘compensation’. Nearly every day we see adverts on the television for specialist legal firms offering a ‘no win no fee’ service, for compensation claims, for injuries received.
These ‘experts’ are the people you end up dealing with when things go wrong.
Rule No. One - Model Car Racing is Fun.
Rule No. Two - Fun does not mean irresponsible.
Is it really necessary?
Well that depends on your outlook doesn’t it? Insurance is only necessary when you need to use it, however there are, I would estimate, 15,000 racers in the UK, plus countless thousands just using RC cars for fun. I personally deal with about 4 cases in an average year for the BRCA membership of some 8,000, so the odds are about 2,000 to one that you will be involved in accident in the next twelve months that results in an insurance claim, pretty low, but I bet you have a go on the lottery and that’s 14,000,000 to one!
A race director / club chairman will insist that you produce your membership card, or prove that your insurance is valid, before he lets you race. Can you imagine the problems for him if he allowed someone without insurance to compete and injury to a member of the public or another racer happened?
Remember it is their responsibility to ensure that they and the club and all the racers present are insured and all protected from personal liability – they are not being awkward they are being very sensible indeed, respect it – or race somewhere else / not at all.
If the sport ever became uninsurable then there wouldn’t be any racing as nobody (in their right mind anyway) would be willing to put the events on or run a club for it.
please remember this is something i have copied and pasted just thought its an important subject to hightlight as ive never thought of it. please please do let me know or remove this if its not ok to copy and paste things into the threads. thanks guys
