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Competition · exclusion · day cover
Speed contests and your insurance
In a speed event it is not one section that falls away but virtually the whole policy at once: your vehicle, your own injury and your liability towards fellow competitors.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
This page is not about terrain or technique, but about a clause. What insurers exclude is not driving fast, but taking part in an event in which time or speed is the criterion. That wording is wider than the race itself: qualifying, official practice and reconnaissance laps usually come under it, and it makes no difference whether you are after a profit or prize money. Amateurs and one-off entrants fall under the same exclusion.
There is a clear counterpart. Runs in which speed is not a ranking criterion — regularity and reliability runs, treasure hunts, touring runs — remain within the cover with many insurers. The organiser's regulations are often decisive here: if they include a classification on time, the insurer will still qualify the event as a speed event. Ask for those regulations and submit them before you enter.
On a closed circuit, moreover, the WAM does not apply. The insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) attaches to taking part in traffic on the road; a track closed to the public is not that. Your ordinary third-party liability cover therefore does not run there, not even towards other competitors. Anyone who wants to be covered arranges separate day cover with a specialist provider in advance.
Speed events and your insurance: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Three covers
They do not always run in step.
- Medical expenses
- Accidents and disability
- Liability
In an accident
Call before you incur costs.
- Arranging a guarantee
- Salvage and repatriation
- Keep all receipts
What is covered
| Situation | Standard | With extension |
|---|---|---|
| Medical expenses after an accident | No | Yes |
| Rescue and salvage costs | No | Yes |
| Permanent disability | No | Sometimes |
| Liability towards third parties | Sometimes | Yes |
| Taking part in competition | No | Sometimes |
| Taking part without the required qualification | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
What counts as a speed event
The exclusion attaches to the criterion by which entrants are ranked. If it is about the shortest time or the highest speed, it is a speed event, whether it involves cars, motorcycles, karts or unpowered vehicles. Qualifying rounds, official practice and reconnaissance runs are generally drawn into the same provision. Do not assume that a track day escapes because there are no prizes; check the literal wording of the clause.
The WAM does not operate on a circuit
Article 2 of the Dutch Motor Insurance Liability Act (WAM) requires insurance for taking part in traffic on the road. A closed track does not come under that, so the third-party liability cover of your motor policy offers no protection there. If you hit another competitor, you face their claim with no insurer behind you. Many circuits deal with this through a waiver of recourse between competitors in the track regulations; read that passage before you sign, because it determines who bears the loss.
Your vehicle, your injury and your income
Own-damage cover excludes competition damage, so damage to your own car or motorcycle is entirely for your own account, including recovery from the track. The same applies to your own injury: accident and travel policies generally contain an exclusion for speed events. Check your disability and term life cover as well for a risk sport clause, because it is there that an exclusion has the greatest financial consequences for your family.
What can still be insured
Day cover for circuit use does exist and can be arranged separately, but only before you enter; taking it out afterwards is not possible. Beyond that, runs without a classification on time remain within your ordinary policy as a rule. If you are in doubt about how an event qualifies, report it to your insurer in writing. If you do not, and it turns out afterwards to have been a race, that engages the duty of disclosure of Article 7:928 of the Dutch Civil Code on a subsequent application.
What does your premium depend on?
- Nature of the event — A classification on time, a track day without a classification and a regularity run are each assessed differently and are sometimes covered by different providers.
- Vehicle and power output — The type of vehicle, its power and how far it has been modified from the standard version determine the damage potential on the track.
- Circuit and safety provisions — A homologated permanent track with run-off areas is weighed differently from a temporary course on closed public roads.
- Licence and experience — A valid competition licence and demonstrable track mileage improve acceptance; taking part without the required licence cannot be insured.
- Extent of the cover — Liability towards third parties alone is something other than cover for the vehicle itself; the latter is more expensive and not available everywhere.
- Number of days and excess — A single day, one event or a whole season differ widely, as does the excess you accept per event.
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your 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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Frequently asked questions
The questions we are asked most often about this.
Is a track day the same as a race?
Not by definition. If no classification on time is kept, it is formally not a speed event. Many policies, however, exclude all driving on a circuit, even without a classification, and sometimes that appears in a separate provision. So read two things: the competition clause and the description of the use of the vehicle. If in doubt, ask for written confirmation.
Is my passenger or navigator insured?
In a speed event generally not. The liability cover that normally deals with injury to occupants does not operate on a closed track, because Article 2 of the Dutch Motor Insurance Liability Act (WAM) does not apply there, and the competition exclusion on the policy does the rest. If you take someone with you, have them included in the day cover; otherwise the passenger bears their own injury loss.
Does my travel insurance cover a race abroad?
As a rule no. Travel and accident policies almost always name taking part in speed events as an exclusion, so the medical costs and repatriation fall away as well. The same applies to practice and qualifying around the event. If you travel as a spectator or team member without driving yourself, the ordinary travel cover simply remains in force.
Is a reliability run or treasure hunt covered?
Usually yes, provided speed is not a ranking criterion. The organiser's regulations are decisive: if it is about navigation or about keeping precisely to an average, it falls outside the competition exclusion. If a speed test or a classification on time appears anywhere in them, the insurer generally qualifies the whole event as a race and the cover for that day falls away.
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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.