Competitor Personal Accident Information
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.
| Benefits | What it means to you | What you get |
| Death | A lump-sum benefit to you if you die as the result of accidental bodily injury | £10,000.00 |
| Loss of sight in both eyes | A 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 |
| Paraplegia | Up to £50,000 | |
| Quadraplegia | Up to £100,000 | |
| *Hospitalisation | For those extended stays in hospital | £75 per day up to £750.00 |
| *Physiotherapy | To help get you back on your feet. | Up to £350.00 |
| *Relocation Expenses | Don’t get stranded away from home. | Up to £10,000 |
| Temporary Total Disablement | A 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. For those that take out a 4×4 Unlimited licence the cover will extend to worldwide for Ultra4 Racing events.
Please note: this is not a salary replacement policy.
| Benefits | What it means to you | What you get (up to the value of) |
| European Repatriation*** | European medical and repatriation expenses | £100,000.00 |
| ULTRA 4 Repatriation*** | Worldwide 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. | ||
| Death | A 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 eyes | A 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 |
| Paraplegia | Up to £50,000 | |
| Quadriplegia | Up to £100,000 | |
| *Hospitalisation | For those extended stays in hospital | £75 per day up to maximum £750 |
| *Physiotherapy | To help get you back on your feet. | Up to £350.00 |
| *Relocation Expenses | Don’t get stranded away from home. | Up to £10,000 |
| Temporary Total Disablement | A 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 or Worldwide (Ultra4 only) events.
Should an accident occur this must be submitted within 45 days of the Accident, with supporting medical documents
Testimonials
I 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.