Own damage and liability
- Training and test runs too
- Damage to your own car not covered
- Separate race or rally cover needed
Speed competition · special stage · excluded
Rallying and your insurance
Driving in a rally means taking part in a speed competition. On travel, personal accident and motor policies that is one of the firmest exclusions there is.
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Deze pagina in het Nederlands: Rally en uw verzekering.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
Insurers draw one sharp distinction: is it a speed or not. A special stage in which the time counts is a speed competition and falls under the exclusion. A touring run, treasure hunt or regularity run without any speed element is normally included by many insurers.
The exclusion works on several policies at once. Your car insurance excludes taking part in competitions and training for them, for own damage and usually for the occupants as well. Your personal accident and travel insurance excludes speed competitions, and that applies to the co-driver or navigator as well.
On a closed course, moreover, the WAM does not apply as it does on the public road: Article 2 of the WAM ties the insurance obligation to traffic on the road. For damage during a stage you then depend on the cover taken out by the organiser.
What is covered in a rally?
Three policies are involved: motor, personal accident and travel.
Driver and navigator
The co-driver falls under the same exclusion.
- Check personal accident cover in advance
- A one-off passenger run counts as well
- Age and experience are taken into account
Rallying abroad
Medical costs after a crash are rarely covered.
- A speed competition is excluded
- Consider repatriation separately
- Note the emergency assistance number in advance
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Touring run or treasure hunt without a speed element | Yes | Yes |
| Regularity run on the public road | Provided that | Yes |
| Timed special stage | No | Provided that |
| Own damage to your car during a stage | No | Provided that |
| Injury to the navigator during a stage | No | Provided that |
| Training or a test run on a circuit | No | Provided that |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive in advance.
Where things go wrong in practice
Two points that decide whether anything is paid after a crash.
Speed competitions sit alongside mountaineering and air sports in the exclusions
Travel and personal accident policies generally exclude speed competitions and preparation for them , together with mountain sports off the beaten track, air sports and diving below your certified depth. As soon as the clock decides who wins, the drive falls into that first category. Even if you are not driving to win.
The WAM works differently on a closed course
The insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) is tied to taking part in traffic on the road. On a closed stage or circuit your third-party liability cover therefore often does not apply. Damage to spectators, officials or other competitors then runs through the organiser’s cover; ask in advance exactly what that arranges.
What does your premium depend on?
- Type of trip — touring, regularity or speed
- Public road or closed course — this decides which policy applies
- Experience and licence — a competition licence from the governing body
- Value of the car — mainly for own-damage cover
- Destination — the Netherlands, Europe or beyond
- Sums insured — mainly for injury to the occupants
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, risk and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
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Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Frequently asked questions
The questions we are asked most often about this.
Is a rally covered on my motor insurance?
Almost never. Taking part in competitions and training for them is excluded as standard, for own damage and usually for occupants cover as well. Separate rally cover is needed for timed stages.
Does that apply to a treasure hunt too?
Generally not. A touring run or treasure hunt without timing is not a speed competition and is normally included by many insurers. Report the event in advance all the same, particularly if there is a classification attached to it.
Is my navigator insured?
Under the same exclusion as the driver. Taking part in a timed stage is excluded for both occupants on personal accident and travel insurance. A one-off passenger run falls under it as well.
Who pays for third-party damage during a stage?
On a closed course the WAM cover usually does not apply, so the organiser’s insurance is the one that responds. Ask before the start what cover there is and up to what amount.
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Are you driving a rally?
Have it established before the start which policy applies; we put your entry to the insurers that accept this.
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About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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This page was written and checked by an adviser at Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.