I'm having difficulty finding details regarding 3rd party liability cover for trials. I want some cover for my lad (10 years old) so that if he crashes into some one / something on private land or training grounds etc we would have cover.

He's a member of the ACU through his club, so I'm assuming he has insurance cover as part of the ACU license, but again I can't find any details on the ACU web site around liability cover ?

Any help appreciated

Insurance is taken as part of the entry fee at ACU events. This covers againest third party liability. The Owner of the land is liable for third party cover and should make allowences for this in their fee's. It's one reason why practice areas are now so few. Many Landowners do not want to take the risk.

Edited December 31, 200817 yr by Telecat

Hi mashman,

just to clarify this a little, his ACU licence does not give him any insurance cover in itself, but if he enters a trial organised by an ACU affiliated club then part of the entry fee will be for third party liability cover AT THAT EVENT. The insurance also indemnifies the landowner. If you have an ACU handbook, which you should have been sent when your son got his licence, you will find a chapter on insurance which will explain all this. If you haven't got one, and mine hasn't come this year yet either, phone Rugby and ask them to send you one. Hope this helps.

Hi - thanks for the replies, very helpful.

Best regards

A practice day or social event will have the same insurance cover if it is run through the ACU. Just check that a permit has been issued.

what the others have said basically

at an ACU sanctioned (ie it has a permit number) event, with your ACU licence you are covered. if you are a ridding official and have signed on you are covered (3rd party liability)

the road traffic act of 1988/1992/1993 (whatever), mandates that anyone who use a mechanically propelled vehicle in a public place (which can be anywhere including a stadium), or you can be prosecuted (it's a catch all law to get boy racers in car parks).

so if you've slipped a farmer a tenner to use his bit of land, then you could still get caught out (although i haven't herd of a prosecution, the police tend to pursue the police reform act, 2003, section 59 - which is when you cause offence and can have your bike seized). if your running a practice venue you should be contacting specialist insurance brokers about this cover, i know the motocross practice track have to pay some serious money for this cover, hence it costs

Thank you very much for taking the time to set out the details, very informative and appreciated.

Best regards