Lynx understands that motorsport related businesses are anything but straightforward. Commercial Combined Insurance offers comprehensive protection for your premises, non-road legal vehicles, equipment, and assets, whether at your workshop or out on the road at circuits and motorsport venues. We can also arrange cover for your road-legal vehicles and drivers, and provide employee and public liability cover, all under one streamlined policy.
This specialist cover goes beyond standard business insurance, addressing the unique risks associated with the motorsport industry. Whether you’re a full time team, motor trader participating in motorsport, associated business, or motorsport service provider, we can tailor a policy to your specific needs.
Commercial Combined Insurance Policies we can arrange for you, can include:
Road Risks: Covering road legal vehicles in your care, custody and control, including cover for customers vehicles and courtesy cars.
Property Damage: Covering your buildings, contents, vehicles, tools, equipment, and stock against fire, theft and accidental damage both at the business premises, or whilst in transit, away at other locations worldwide.
Public Liability: Covering your legal liability if a member of the public is injured or their property is damaged.
Employers’ Liability: A UK legal requirements for businesses with employees, whether salaried or not (Labour Only/Volunteers), covering injury or illness sustained in the workplace.
Business Interruption: Protecting your income and business profitability if you are unable to operation following an insured event.
We can also help arrange:
- Payment via monthly premium finance.
- Engineering Inspections.
- Claims and Large Loss Management Solutions.
- Travel insurance for teams and drivers operating outside of the UK.
- Legal Expenses and Uninsured Loss Recovery.
Choose Lynx Insurance Brokers for comprehensive Commercial Combined quotation. Contact us today for a quote and ensure you’re protected.
Frequently Asked Questions:
Do you have to do full time motorsport to qualify for a Motorsport Commercial Combined Policy?
No, you don’t need to be a full time race or rally business. At Lynx we offer solutions for clients operating motor trade businesses that may operate at a track on the weekend up to a fully fledged professional team. We also offer commercial combined policies for track operators, event organisers, motor clubs and related businesses.
What is included in a Motorsport Commercial Combined policy?
Our policies can include cover for:
- Property damage to race vehicles, tools, parts, and equipment
- Stock and workshop contents
- Public liability, product liability, and employers’ liability
- Optional business interruption insurance to protect income
- Business travel insurance for motorsport-related trips
All in a single, tailored insurance package designed specifically for motorsport businesses.
Can we include our road legal vehicles?
Yes, we can provide options to include your road legal vehicles ranging from private cars to 44 tonne trucks and race trailers, we can also include cover for you to drive customers road vehicles.
Does a Motorsport Commercial Combined policy cover vehicles used on track or in competition?
No, a Commercial Combined Policy will exclude cover for vehicles on the track or in competition. For this purpose, you would require a Motorsport Accident Damage (On Track) Policy to cover any loss or damage to your vehicle following an accident.
Does this policy cover vehicles parked away from my business premises?
Under the property section of the Policy, cover for accident damage, fire or theft would be extended to vehicles in transit (carried in a trailer), and whilst parked up at any other location such as a paddock or hotel car park.
Is international cover available for Motorsport Commercial Combined Insurance?
Yes, whether you’re operating at UK venues or overseas circuits, it can include at other locations around Europe or Worldwide if needed.
What claims support does Lynx Brokers provide?
We know any downtime can hit your operation hard. That’s why we provide:
- Claims Management Products
- Access to monthly premium finance
- Engineering inspection services
- Commercial Legal Expenses
- Uninsured loss recovery
We guide you through the entire process to get you back on track quickly.