A racing car is protected down to the smallest detail. The driver’s future is not always given the same attention.
Behind every racing career are years of training, travel, family support, sponsorship and personal sacrifice. If a driver can no longer compete, it is not only the next race at stake. Their income, contracts and long-term career may be affected too.
Motorsport is inherently high-risk. Whether competing in single-seaters, GT racing, endurance events, touring cars, rallying or karting, drivers accept a level of risk every time they get behind the wheel.
While safety standards across motorsport continue to improve, accidents remain an unavoidable reality. Equally, not every career-ending event is the result of an on-track incident. Serious illness or medical conditions can be just as disruptive, preventing a driver from competing and affecting their ability to generate income.
For many drivers, an inability to race means sponsorship opportunities, appearance fees, prize money and future contracts can quickly disappear.
For a professional driver, future earning potential can be their most valuable asset, representing years of dedication, training and investment in their racing career. But with income directly tied to the ability to compete, an unexpected setback can have lasting financial consequences, affecting not only the current season but future contracts, sponsorships and career opportunities.
Personal Accident Insurance is designed to help protect against this risk, providing financial security if an accident or illness results in a driver being permanently unable to continue their racing career.
It’s a common misconception that specialist personal accident insurance is only relevant for drivers competing at the very highest levels of the sport.
In reality, tailored solutions are available for both professional and aspiring drivers across a broad range of motorsport disciplines. Cover can be structured to reflect individual circumstances, career stage and future earning potential.
Cover can be arranged for death, permanent or temporary disability, permanent or temporary illness, medical expenses including repatriation to your home country.
Liability Insurance is often purchased either to satisfy a contractual requirement or to provide peace of mind. It offers financial protection against allegations of negligence made against a driver, covering legal defence costs incurred in responding to a claim and, where liability is established, compensation payable to an injured third party.
At Price Forbes, we understand the pace and complexity of motorsport. Our specialists help teams, drivers and businesses navigate the risks, protecting their people, operations and performance on and off the track.
Laser Tools Racing with MB Motorsport partners with Price Forbes for the 2026 BTCC season, uniting performance, precision and specialist risk expertise.
Bespoke motorsport insurance and risk solutions that protect your people, operations and business, on the track and beyond.
Price Forbes today announces it is expanding its cross-class follow facility, Lectio, to include casualty lines.
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