Competitor PA Benefits

When you race with an Advanced NORA Motorsport licence, you can take comfort in the fact that you have personal accident cover in place. With your licence, cover will be in place across all forms of NORA sanctioned motorsport, regardless of the type of sport. Below you will find a summary of the cover in place, for more information contact office@nora92.com. If your riding abroad, you can also upgrade your licence to an International licence which includes EU repatriation and medical cover. Please note: this is not a salary replacement policy. 

**Personal Accident Insurance is NOT included with the basic, practice or one event licences.

Personal Accident licence inclusion is not available to persons 75 years of age and over.

BenefitsWhat it means to youWhat you get
DeathA lump-sum benefit to you if you die as the result of accidental bodily injury£10,000.00
Loss of sight in both eyesA lump-sum benefit to you if you permanently lose your sight or permanently lose, or lose the use of, a limb as the result of accidental bodily injury£20,000.00
Loss of sight in one eye£20,000.00
Loss of two limbs£20,000.00
Loss of one limb£20,000.00
Loss of sight in one eye and limb£20,000.00
Permanent Total Disablement (PTD)A lump-sum benefit to you if you are permanently disabled so you cannot carry on in any occupation as the result of accidental bodily injury.£20,000.00
ParaplegiaUp to £50,000
QuadraplegiaUp to £100,000
*HospitalisationFor those extended stays in hospital£75 per day up to £750.00
*PhysiotherapyTo help get you back on your feet.Up to £350.00
*Relocation ExpensesDon’t get stranded away from home.Up to £10,000
Temporary Total DisablementA weekly benefit to you if you are disabled so you cannot carry on in your occupation as the result of accidental bodily injury. *excess period of 42days£50
per week for up to 52 weeks from the date you first became disabled
Bone Fracture £200.00*
* + extra benefits fully detailed with your licence
What is not covered?
You taking part in any occupation, sport or pastime of a hazardous nature other than your motorsports activities. You engaging in or taking part in armed forces service or operations. You engaging in flying of any kind other than as a passenger. Your suicide or attempted suicide or intentional self-injury. Your deliberate exposure to exceptional danger (except in an attempt to save human life). Your own criminal act. You being under the influence of alcohol or drugs (unless prescribed for you by a qualified medical practitioner) or treatment for drug addiction. Terrorism, War or Radioactive contamination. AIDS or Illness of any kind. Claims arising out of any existing medical conditions for which you have received treatment. We will not pay for any claim for the first 42 days of each Temporary Total Disablement claim. We will not pay more than 70% of your gross weekly earnings.
*Bone fracture cover depends on the specific bone broken, with payouts ranging from £100 to £200.

Should an accident occur this must be submitted within 45 days of the Accident, with supporting medical documents

When you race with an annual NORA Motorsport International licence, you can take comfort in the fact that you have personal accident cover in place for NORA sanctioned events within the UK, along with repatriation and medical cover for approved events in Europe & Africa.Individual start permission will need to purchased at £50 per competitive event, application details will be sent out with your 2027 licence.Please note: this is not a salary replacement policy.
BenefitsWhat it means to youWhat you get (up to the value of)
Medical & Repatriation***Europe and Africa medical and repatriation expenses£100,000.00
As a International Licence holder, as well as medical and repatriation expenses, you will benefit from the below cover for UK NORA Sanctioned events. Please note this does not apply for overseas events.
DeathA lump-sum benefit to you if you die as the result of accidental bodily injury£10,000.00
Loss of sight in one or both eyesA lump-sum benefit to you if you permanently lose your sight, hearing or permanently lose, or lose the use of, a limb as the result of accidental bodily injury£20,000.00
Loss of one or more limbs£20,000.00
Loss of hearing in both ears£20,000.00
Loss of speech£20,000.00
Loss of hearing in one ear£5,000.00
Permanent Total Disablement (PTD)A lump-sum benefit to you if you are permanently disabled so you cannot carry on in any occupation as the result of accidental bodily injury.£20,000.00
ParaplegiaUp to £50,000
QuadriplegiaUp to £100,000
*HospitalisationFor those extended stays in hospital£75 per day up to maximum £750
*PhysiotherapyTo help get you back on your feet.Up to £350.00
*Relocation ExpensesDon’t get stranded away from home.Up to £10,000
Temporary Total DisablementA weekly benefit to you if you are disabled so you cannot carry on in your occupation as the result of accidental bodily injury. *Excess period of 42days.£50
per week for up to 52 weeks from the date you first became disabled
Bone Fracture£200.00*
* + extra benefits fully detailed with your licence
What is not covered?
You taking part in any occupation, sport or pastime of a hazardous nature other than your NORA motorsports activities. You engaging in or taking part in armed forces service or operations. You engaging in flying of any kind other than as a passenger. Your suicide or attempted suicide or intentional self-injury. Your deliberate exposure to exceptional danger (except in an attempt to save human life). Your own criminal act. You being under the influence of alcohol or drugs (unless prescribed for you by a qualified medical practitioner) or treatment for drug addiction. Terrorism, War or Radioactive contamination. AIDS or Illness of any kind. Claims arising out of any existing medical conditions for which you have received treatment. We will not pay for any claim for the first 42 days of each Temporary Total Disablement claim. We will not pay more than 70% of your gross weekly earnings
*Bone fracture cover depends on the specific bone broken, with payouts ranging from £100 to £200. **Personal Accident Insurance is NOT included with national basic, practice or one event licences. ***Start permission MUST be sought from the office for NON NORA sanctioned European events. European medical and repatriation inclusion is not available to persons over 75 years of age. Should an accident occur this must be submitted within 45 days of the Accident, with supporting medical documents
 TestimonialsI wanted to tell you of our experiences with having a motocross accident abroad at a practice track with a NORA international licence. My son had quite a nasty accident at a practice track in Germany which required an air ambulance and emergency surgery that night (midnight-2am). He had his UK Global Health Insurance Card which covered all of the hospital treatment except for 10 Euros per day in hospital (which everyone has to pay). The NORA insurance covered the air ambulance, the hospital 10 Euros per day and a couple of other expenses such as my flight out and hotel accommodation. Aviva were so easy to deal with and quick with their responses paying the air ambulance and hospital invoices direct.Thank you. You always hope that the worst won’t happen but when it does it is great to find that the insurance cover does what it says and is straight forward when it comes to making a claim.The Murfitt Family
I have been covered on the international licence and had to use the repatriation and medical care abroad after breaking my hip socket in Bosnia. NORA92 provided an excellent service, putting me in a hotel after my surgery and flying a friend out to fly back with me. It’s well worth the money.AJ, WOR Enduro Events.

Affiliation Terms

NORA affiliation is conditional upon compliance with NORA Rules and Regulations throughout the affiliation year, running from 1 January to 31 December.
The organisation/club is responsible for its own supplementary regulations, health and safety documentation and operational procedures. NORA affiliation, or the issuing of an RTA permit, does not mean NORA has checked, approved or accepted responsibility for those documents.
NORA reserves the right to suspend or revoke affiliation, licences and permits where an organisation fails to comply with NORA requirements or where serious concerns are identified.

1. Annual Affiliation and Compliance

Affiliation with NORA 92 Limited trading as NORA Motorsport (“NORA”) is granted on an annual basis, commencing on 1 January and expiring on 31 December of the relevant calendar year, unless suspended or terminated earlier.
Affiliation is not automatically renewed. Each organisation/club must complete the annual affiliation process and receive confirmation of acceptance from NORA.
By applying for and accepting affiliation, the organisation/club agrees to comply with all applicable NORA Rules and Regulations, policies, procedures, safety requirements and permit conditions throughout the affiliation period.
The organisation/club acknowledges that continued affiliation, the issuing of Road Traffic Act (RTA) exemption permits and access to NORA licensing and insurance arrangements are conditional upon ongoing compliance with these requirements.

2. Organisation/Club Responsibilities

The organisation/club accepts full responsibility for the planning, organisation, management and safe operation of all activities and events conducted under its authority.
This includes ensuring that appropriate documentation, procedures and safety measures are established, maintained, implemented and enforced.
In particular, but not limited to, the organisation/club is responsible for:
Preparing, maintaining and implementing its own supplementary regulations, ensuring they comply with applicable NORA Rules and Regulations.
Preparing and maintaining appropriate health and safety documentation, including risk assessments, method statements, emergency procedures and event safety plans.
Ensuring all documentation complies with applicable legislation, regulatory requirements and NORA Rules and Regulations.
Ensuring all officials, employees, volunteers, contractors and other persons acting on behalf of the organisation/club are aware of and comply with the relevant regulations and procedures.
Ensuring that appropriate safety measures are implemented and maintained throughout each event or activity.
Ensuring that circuit certificates are in place, valid and adhered to where applicable.
The organisation/club acknowledges that responsibility for the adequacy, accuracy, legality, implementation and enforcement of its own supplementary regulations, health and safety documentation and internal procedures rests with the organisation/club.

3. NORA’s Role and Limitation of Responsibility

NORA provides the regulatory framework under which affiliated organisations/clubs may organise and conduct approved motorsport activities.
Affiliation with NORA, or the issuing of an RTA permit, does not constitute confirmation, certification or approval by NORA that an organisation/club’s supplementary regulations, health and safety documentation, risk assessments or internal operating procedures are adequate, compliant or suitable for their intended purpose.
Unless expressly confirmed in writing, NORA does not undertake responsibility for preparing, reviewing, verifying or approving an organisation/club’s internal documentation.
NORA shall not be responsible for any failure by an affiliated organisation/club to prepare, maintain, implement or comply with its own supplementary regulations, health and safety documentation or internal procedures.
To the fullest extent permitted by law, NORA shall not be liable for losses, claims, damages or consequences arising from such failures by the organisation/club.
The organisation/club acknowledges that NORA affiliation does not transfer responsibility for the safe and compliant organisation of events from the organisation/club to NORA.
Nothing in this Agreement excludes or restricts any liability that cannot lawfully be excluded or restricted.

 

4. Road Traffic Act (RTA) Exemption Permits

RTA permits issued through NORA are granted strictly on the understanding that the organisation/club and the relevant event will comply with all applicable NORA Rules and Regulations, permit conditions and regulatory requirements.
The issuing of an RTA permit is conditional upon compliance with NORA’s regulatory framework and does not relieve the organisation/club of its responsibilities under applicable legislation or its own supplementary regulations and safety procedures.
An RTA permit must not be interpreted as confirmation that NORA has independently inspected, verified or approved all aspects of an event or the organisation/club’s internal documentation.
Where NORA becomes aware of, or has reasonable grounds to suspect, non-compliance with its Rules and Regulations, permit conditions or relevant safety requirements, NORA reserves the right to:
Refuse to issue an RTA permit.
Suspend or withdraw an RTA permit already issued, subject to applicable legal requirements.
Require corrective action or additional documentation before permitting further activities.
Suspend or terminate the organisation/club’s affiliation.
Suspend or revoke any NORA-issued licence or authorisation, subject to the applicable licensing rules and procedures.
NORA may take immediate action where it reasonably considers this necessary.

5. Non-Compliance and Withdrawal of Affiliation

Compliance with NORA Rules and Regulations is a fundamental condition of affiliation.
Where an organisation/club fails to comply with these requirements, or fails to maintain and implement appropriate supplementary regulations, health and safety documentation or operational procedures, NORA reserves the right to investigate and take appropriate action.
Such action may include suspension or termination of affiliation, refusal or withdrawal of RTA permits, and suspension or revocation of NORA-issued licences or authorisations.
NORA may request evidence of compliance, including copies of supplementary regulations, risk assessments, health and safety documentation and other relevant records.
Failure to provide satisfactory evidence of compliance may result in the suspension or withdrawal of affiliation, permits or applicable licences.
Where reasonably practicable, the organisation/club will be given an opportunity to respond to identified concerns. However, NORA reserves the right to take immediate interim action where necessary for safety or regulatory reasons.