Peace of mind protection for organising enduro events
Essential public liability for running a recreational or timed enduro ride
Protects the organiser in the event of a claim for up to $20m
Covers volunteers appointed to help run an event
Applies to all events registered on the website
- Additional cover available for event officials vehicles
Insurance for event organisers - how does it work?
Enduro events is what we do. We want organisers to enjoy running safe events in the knowledge that support is there when it's needed.
Liability insurance helps to ensure that enduro event organisers and their volunteers are covered against claims from third parties if an incident happens during an event or associated activity.
What is event insurance?
For the protection of participants and all those involved in the management of registered and insured events, the AMA provides through its public liability insurance policy, an indemnity, limited to $20,000,000 for legal liabilities arising from claims made against an event organiser, official or participant*1 that involves either bodily injury or property damage to a third party.
All events promoted under the auspices of the AMA are provided with this cover upon receipt of a properly completed online event registration form by officials that are authorised to submit events.
In the unlikely event that a claim is directed at an event official ‘as an individual', rather than as a representative of an event, the Association also provides to that individual the benefit of ‘Directors & Officers Liability' insurance which provides indemnity against ‘wrongful acts'*2 committed by ‘individuals' acting on behalf of an event held under the auspices of the Association.
Individual cover will only be provided to members that have taken up the membership option, which includes personal accident insurance to be covered at and whilst participating in events approved by the Association.
‘Wrongful act' shall mean any actual or alleged breach of trust, breach of duty, neglect, error, misstatement, misleading statement, omission, breach of warranty of authority or other act wrongfully committed or attempted by the Official in the course of performing his duties as an Official.
Motorvehicle insurance for event officials
Occasional motor vehicle insurance is available to members who organise events or perform a key role as a designated event official. This insurance cover forms an extension to the AMA's motor fleet policy and has been arranged for the benefit of organisers and key officials that are unable to find cover for their activities under their own personal motor vehicle insurance. It is for members using their own vehicle and is for the duration of an event only.
For the purpose of this insurance cover ‘the duration of the event' is defined as meaning from the start of an event until the end of an event and does not include the use of the vehicle between stages or the like.
Members wishing to receive the benefit of motor vehicle insurance whilst using their own vehicles must provide vehicle and personal details to the organiser in advance of the event. In order to effect this cover the organiser must submit vehicle insurance requirements to AMA headquarters on an official registration form in advance of the event and certain conditions apply: all drivers/ riders must be members of the AMA; be aged 21 years or over; and be the named and ‘normally insured' driver/ rider of the vehicle.
This special extension to the AMA's motor vehicle insurance arrangements is ‘comprehensive' (i.e. not ‘third party') in the event of a road traffic incident only and does not provide insurance cover for property or vehicle damage claims arising, for example, from the use of radio and other event equipment or where a motorcycle has fallen to the ground from a stationary position. Cover only extends to those events that are insured by the AMA. A policy ‘excess' may be payable by the driver/ rider in the event of a claim being made against the policy.
Important: The provision of motor vehicle insurance cover to nominated event officials is conditional and responsibility for compliance rests with the individual driver/ rider. Responsibility for registering an event's vehicle insurance requirements rests with the event organiser. Vehicle registration forms may be obtained from your Event Organiser Dashboard.
For further information see:
Event liability insurance - full policy wording is available for download by members in the Policy Documents section.