No cover for racing school accident even though exclusion not read by insured (US)

14 March 2018Patrick Bracher, Norton Rose Fulbright
Patrick Bracher from Norton Rose Fulbright.

Patrick Bracher from Norton Rose Fulbright.

Where a motor policy excluded coverage ‘for any vehicle located inside a racing facility for the purpose of … or participating in any driving school, driver training or skills training’ the court refused the insured an indemnity to cover a crash at a motor racecourse skills-training event. The insured crashed while he was instructing a passenger at a driving workshop.

The insured said he did not know about the exclusion because the insurer had not given him a copy of the policy variation in writing and had only sent it electronically. He said he did not open the email.

The court held that the insured’s inability to locate his policy before the event was the result of his own voluntary conduct to which the insurer could not be blamed.

There are no surprises in this outcome.

[The case is Jackson v Esurance, Washington Court of Appeals]

First published by Financial Institutions Legal Snapshot.

Quick Polls


Do you agree with the Durban High Court ruling that Sharemax would not have failed if the Reserve Bank had not intervened?


AE fanews magazine
FAnews November 2018Get the latest issue of FAnews

This month's headlines

Could face-to-face become obsolete?
Where do I send my CPD records?
Can you spot the fraud? Yes, now you can...
Taking an elephant to court - It's not easy
Marijuana ruling… should we be worried?
Medical schemes' average increases for 2019
Subscribe now