Driver Insurance Guide

What the organiser provides

Goldfields Burnouts holds Public Liability insurance for the Event, and where the Event is sanctioned we rely on the sanctioning body's insurance program (e.g. Motorsport Australia, ANDRA, AASA or IHRA Australia) to the extent it applies. That program typically provides:

• Public & Products Liability — protects the promoter, affiliated club, licence holders, volunteers, officials and (to the extent of their rights) landowners against third-party claims arising from the permitted event.
• Personal Accident for licence holders, crew, officials and volunteers — death and total/permanent disability benefits, plus some non-Medicare medical and loss-of-income support (limits apply; it does not cover medical costs met by Medicare).

This cover does not extend to ancillary activities such as concerts, rides, trade displays or carnival attractions — those need their own insurance — and it does not pay for damage to your own car.

What drivers need to arrange themselves

1. Your own vehicle (competition) cover

A standard comprehensive car policy almost always excludes racing, speed trials, burnouts, drag racing and "track days". If your car is damaged or written off on the pad, your everyday insurer will likely decline the claim. Options:

• a dedicated motorsport / competition vehicle policy (agreed-value cover for the car and parts), or
• a laid-up / agreed-value classic policy with a track-use endorsement — confirm in writing that burnouts/drags are covered.

Also check cover for your tow vehicle, trailer and tools in transit and on site.

2. Personal Accident / injury cover

If you are not covered by a sanctioned-body Personal Accident policy, arrange your own. Sanctioning-body PA cover is typically available only to licence holders — see "Licence-linked cover" below. Consider income-protection and ambulance/health cover for gaps Medicare doesn't meet.

3. Third-party property (your liability to others)

The organiser's Public Liability generally responds to third-party injury/property claims at the Event, but it may not cover driver-to-driver vehicle damage while both are competing. Understand who pays if you clip another car. Holding your own cover reduces disputes.

Licence-linked cover (often the easiest path)

Buying the right motorsport licence frequently brings insurance with it:

• ANDRA — Day / Burnout / Membership licences for burnout and drag competition, with associated Personal Accident cover.
• Motorsport Australia — Speed/circuit licences (via affiliated clubs) with the national program benefits.
• AASA and IHRA Australia — alternative sanctioning with their own permit and insurance arrangements.

For many grassroots competitors, the simplest compliant route is to hold a recognised licence and let its program provide the affiliated coverage — while still keeping your own vehicle policy for car damage.

Recommended minimum checklist

• Vehicle (competition) insurance that explicitly covers burnouts / drag racing / track use, at agreed value;
• Personal Accident / injury cover (via a licence or your own policy);
• Tow vehicle, trailer and equipment cover in transit and on site;
• An understanding of exclusions (your own car, driver-to-driver, Medicare gap);
• A recognised driver's or motorsport licence as required by the Event.

Where to get it

Specialist motorsport insurance is available through brokers such as MGA Insurance (Motorsport Australia program), Gallagher, Kingfisher/Clubinsure, and the major motoring and motorsport brokers. Your sanctioning body can point you to an approved insurer. Compare limits, excesses and — critically — the exclusions.

The bottom line

Competing is at your own risk. The organiser's Public Liability does not repair your car or pay your medical bills. Arrange your own suitable vehicle and personal accident cover before you enter. See our Terms & Conditions for the full assumption-of-risk and indemnity provisions.

This guide is general information only and should be reviewed against your own policy wording and the relevant sanctioning body / insurer requirements before each Event.