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Post by regulus on Feb 22, 2015 9:24:40 GMT 12
I also had that insurance when I started racing in the 70's I used it when I broke my thumb playing rugby but never had to use it racing a Stockcar. It would be good to have a Trust Fund However driver safety is the issue and this needs to be seriously looked at. Chassis design has been discussed in other threads But i believe seats, seat belts need to be looked at due to the pelvic injuries recently. Are they being mounted properly In offset cars. I have noticed that some seats are on an angle to allow driver to sit within the roll cage dimensions and reach the pedals. So my question is the seat doing the job it is designed to do on impact or belts especially rachet that are super tight taking more impact than they should
Should drivers with known injuries eg Foot, arm/wrist be allowed to race?
Teams Racing
Over a 2 day meeting where drivers have 4 teams races are the high speed contact/impacts to much? Do we need stricter monitoring of drivers wellbeing after each race and weeks following?
Teams racing is the ultimate I have done a few and had a trip to the hospital after contact with the wall and a little sleep. so I do know what the impacts feel like
Driver safety is paramount. I hope my little rant brings some positive ideas and solutions
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Post by busterbell on Feb 22, 2015 12:54:40 GMT 12
i had combined insurance, it was cheap when i had it, and i only had it while i was racing. every driver knows the risk's and is up to them how they deal with the consequences.
once the speed is reduced in this class then so will the serious injuries. it's a pretty simple solution really...
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Post by spdwayorthehway on Feb 22, 2015 15:11:48 GMT 12
once the speed is reduced in this class then so will the serious injuries. it's a pretty simple solution really... I can agree you have a good point, but I can't see it ever happening. It seems to be a common thing that the superstocks do a lot of flag racing, up and down the country. Why not bring in light contact for them. They want to flag race so let them, they're still great to watch. Where are the serious injuries happening, on the wall, or the carnage on the track? The NZ streetstock champs was great to watch, then when it come to racing for the title,,,,,,,or not, it was all on. 80+ cars there, 2 nights of racing and no serious injuries that I heard of. |
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Post by bikeboy on Feb 22, 2015 15:43:53 GMT 12
American Combined insurance is still around, its called combined insurance of NZ now, and it is one of the only policies that cover motor racing, I used to have it for a long time and claimed on it a number of times for motocross injuries, but they have become harder to deal with over recent years, and there salesmen hound you to upgrade all the time, i know alot of people that have dropped it because of these issues
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Post by meeaneemic on Feb 22, 2015 18:44:36 GMT 12
The Accident insurance company every Motorsport person should have is called CICNZ {formerly American Combined}
I have had it for nearly 30 years since the days I was racing Speedway in the UK.
I have had several very good payouts from accidents over the years and even though I am a Commentator now I still retain it because you just don't know what could happen in a busy pit area or infield.
It currently costs me just $23 per month and I recommend competitors check them out.
The other topic on here is about a fund for Competitors
UK Speedway Solo racing has for over 40 years now been running what they call a ''Benevolent Fund''.
It is funded by donations and also collections at each track twice a season and administered by by a small body of People seperate from the Speedway Control Board.
An injured rider fills out a form explaining the reasons for needing funds and how the accident occured.
I had to do this in 1989 when I was laid up in a UK Hospital for 6 weeks after a big smash and received 450pounds to help me through the non earning period.
I also received $5'500 from CICNZ which was a considerable amount back then.
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Post by tank11 on Feb 22, 2015 19:46:56 GMT 12
As above ^^^^, your normal health/life insurance normally covers you in the pits, just not once strapped in, as mentioned above also.
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Post by modliteracing on Feb 23, 2015 7:27:05 GMT 12
getting back on topic away from insurance back to snz trust fund. the issue here will be that just like and other fund in nz only a few cents from each dollar will make it to the compeditor as admin costs etc will line the pockets of 1 man/woman.
i think the fundraising that goes on in our community raffle tickets give a little etc works well and why fix something thats not broken.
a fund would just turn into another cost for every driver in this ever increasing price of running costs. people moan about $5 for the st john fee and they actually can see where that money goes. another $1-5 a week for a fund that only $0.20c from each dollar getting paid to driver why would you sign up.
keep up the great individual fundraising. and get behind these to help our drivers and their families.
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Post by meeaneemic on Feb 23, 2015 8:40:11 GMT 12
getting back on topic away from insurance back to snz trust fund. the issue here will be that just like and other fund in nz only a few cents from each dollar will make it to the compeditor as admin costs etc will line the pockets of 1 man/woman. i think the fundraising that goes on in our community raffle tickets give a little etc works well and why fix something thats not broken. a fund would just turn into another cost for every driver in this ever increasing price of running costs. people moan about $5 for the st john fee and they actually can see where that money goes. another $1-5 a week for a fund that only $0.20c from each dollar getting paid to driver why would you sign up. keep up the great individual fundraising. and get behind these to help our drivers and their families. The fund I mentioned in the UK is fully funded by non competitors through bucket collections/donations etc. Competitors do not join anything or does it cost them anything. 2 bucket collections a season from each track into a consolidated fund invested in an interest bearing account would be a considerable sum. That is how it is done in the UK but I'm not saying it should be done here just pointing out it is not difficult or a cost to the racer |
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Post by brendanlucas on Feb 23, 2015 9:11:59 GMT 12
I had an Amaerican Combined policy for many years whilst racing, & several years back that policy did help me out when ACC weren't very good with dealing with self employed workers. The american combined company has changed ownership several times over the past dozen or so years, & last year when I needed there assistance following an injury, I was less than impressed. I certainly would no longer recommend them, a waste of money in my opinion. As for ACC, an even bigger waste of money! We are obliged to pay them money, & as my wife has recently found, this private corporation that contracts to the government, employ some very dubious tactics, borderline deception.
Better to attempt to reduce the chance of injury. I don't have any suggestion on who you might trust for such a trust fund, it seems trust is a distant memory to many of these corporates who offer such schemes. BTW, I cancelled my american combined (or whatever they now call it).
BL
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Post by brendanlucas on Feb 23, 2015 9:39:45 GMT 12
getting back on topic away from insurance back to snz trust fund. the issue here will be that just like and other fund in nz only a few cents from each dollar will make it to the compeditor as admin costs etc will line the pockets of 1 man/woman. i think the fundraising that goes on in our community raffle tickets give a little etc works well and why fix something thats not broken. a fund would just turn into another cost for every driver in this ever increasing price of running costs. people moan about $5 for the st john fee and they actually can see where that money goes. another $1-5 a week for a fund that only $0.20c from each dollar getting paid to driver why would you sign up. keep up the great individual fundraising. and get behind these to help our drivers and their families. The fund I mentioned in the UK is fully funded by non competitors through bucket collections/donations etc. Competitors do not join anything or does it cost them anything. 2 bucket collections a season from each track into a consolidated fund invested in an interest bearing account would be a considerable sum. That is how it is done in the UK but I'm not saying it should be done here just pointing out it is not difficult or a cost to the racer This is the sort of thing I would be more inclined to support, but how do you administer these sorts of things, I guess it could be done through SNZ, but it's probably more a headache for them. The have a go days that Brent allows on his track at Harrisville are ver good initiatives for raising funds to help competitors, maybee this sort of thing could be built on. And then there is the question on who gets the funds. I remember a couple of years back a local sidecar competitor was badly injured, & she recieved little assistance, whilst another more higher profile case at the time recieved quite a large sum from fund raising when (respectfully) they probably needed that help far less. |
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Post by meeaneemic on Feb 23, 2015 9:41:24 GMT 12
I had an Amaerican Combined policy for many years whilst racing, & several years back that policy did help me out when ACC weren't very good with dealing with self employed workers. The american combined company has changed ownership several times over the past dozen or so years, & last year when I needed there assistance following an injury, I was less than impressed. I certainly would no longer recommend them, a waste of money in my opinion. As for ACC, an even bigger waste of money! We are obliged to pay them money, & as my wife has recently found, this private corporation that contracts to the government, employ some very dubious tactics, borderline deception. Better to attempt to reduce the chance of injury. I don't have any suggestion on who you might trust for such a trust fund, it seems trust is a distant memory to many of these corporates who offer such schemes. BTW, I cancelled my american combined (or whatever they now call it). BL I have never had problems with CICNZ{american Combined} and put in a claim just 18 months ago for a broken bone. The cheque arrived within days no questions asked. Like any policy read it so you know what you are covered for. Should ACC also cover your accident then the CICNZ policy is over and above it and you are entitled to both |
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Post by brendanlucas on Feb 23, 2015 10:29:03 GMT 12
I had an Amaerican Combined policy for many years whilst racing, & several years back that policy did help me out when ACC weren't very good with dealing with self employed workers. The american combined company has changed ownership several times over the past dozen or so years, & last year when I needed there assistance following an injury, I was less than impressed. I certainly would no longer recommend them, a waste of money in my opinion. As for ACC, an even bigger waste of money! We are obliged to pay them money, & as my wife has recently found, this private corporation that contracts to the government, employ some very dubious tactics, borderline deception. Better to attempt to reduce the chance of injury. I don't have any suggestion on who you might trust for such a trust fund, it seems trust is a distant memory to many of these corporates who offer such schemes. BTW, I cancelled my american combined (or whatever they now call it). BL I have never had problems with CICNZ{american Combined} and put in a claim just 18 months ago for a broken bone. The cheque arrived within days no questions asked. Like any policy read it so you know what you are covered for. Should ACC also cover your accident then the CICNZ policy is over and above it and you are entitled to both You are quite rite, you must read the fine print - carefully. I had read the page with the payout amounts & what they were for. Deep in the fine print, there was a carefully worded defininition on there meaning of a word for that policy, which changed it from being colquial to something with almost another meaning, which could have been challenged, but ultimately meaning for the particular injury I had was only worth about 25% of what I had calculated, so yes - do read & understand the fine print. For me, not happy, got over it, walked away. As far as I'm concerned, better to take the money I would have paid as premium & put it aside. |
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Post by speedwaynut on Feb 23, 2015 11:17:36 GMT 12
getting back on topic away from insurance back to snz trust fund. the issue here will be that just like and other fund in nz only a few cents from each dollar will make it to the compeditor as admin costs etc will line the pockets of 1 man/woman. i think the fundraising that goes on in our community raffle tickets give a little etc works well and why fix something thats not broken. a fund would just turn into another cost for every driver in this ever increasing price of running costs. people moan about $5 for the st john fee and they actually can see where that money goes. another $1-5 a week for a fund that only $0.20c from each dollar getting paid to driver why would you sign up. keep up the great individual fundraising. and get behind these to help our drivers and their families. The fund I mentioned in the UK is fully funded by non competitors through bucket collections/donations etc. Competitors do not join anything or does it cost them anything. 2 bucket collections a season from each track into a consolidated fund invested in an interest bearing account would be a considerable sum. That is how it is done in the UK but I'm not saying it should be done here just pointing out it is not difficult or a cost to the racer I would also be inclined to support a scheme like this. Some sort of "benevolent fund", that was not funded by levies on drivers/riders. I don't know if such a fund would be able to gain grants from say pokie machines etc, but that could be looked into and included in it's constitution. You would need a small "board" or management group, to approve applications for assistance, and it should cover a range of injuries not just serious injuries. A broken arm can cause hardship depending on the type of work an individual does. To say that ACC will cover you is naive, as doubt they will cover your rent/insurance/power etc for your household, if you end up in a hospital in another town for weeks or months. |
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Post by Deleted on Feb 23, 2015 23:48:00 GMT 12
As for ACC, an even bigger waste of money! We are obliged to pay them money, & as my wife has recently found, this private corporation that contracts to the government, employ some very dubious tactics, borderline deception. BL Ahh we agree on something!! ACC should have been sold off long ago. The idea of having a comp.... na I'm not going to get into a political debate except to say the worst thing the incoming Clark govt did was scrap the option for employers to offer alternate work related cover (other than ACC) for their employees. Some sort of "benevolent fund", that was not funded by levies on drivers/riders. I don't know if such a fund would be able to gain grants from say pokie machines etc, but that could be looked into and included in it's constitution. Not under current law you couldn't. To say that ACC will cover you is naive, as doubt they will cover your rent/insurance/power etc for your household, if you end up in a hospital in another town for weeks or months. . They will cover 80% of your wages (from memory an avg of 80% of your last 6 weeks income) after two weeks off work. How you spend that 80% is up to you. On top of this they will cover all your treatment. Although there are all sorts of criteria, they will normally cover reasonable transport costs for yourself and family if you go splat out of town. The days of lump sum payment for perm injury tho are well and truly done. Just a footnote if you find yourself on ACC and your employer decides to be nice and pay you the other 20% while you are off, which is not unheard of, MAKE SURE YOU CHECK THE TAXATION RATES YOU WILL PAY ON THE 80%. This Govt is scraping the secondary tax rate soon so it won't be an issue soon but until then BEWARE |
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Post by Porky on Feb 24, 2015 6:18:13 GMT 12
Maybe start a "give a little" fund? Maybe someone in the speedway world is a lawyer or someone that we can all trust to administer it? There are no fees etc on the give a little funding site.
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Post by midway on Feb 24, 2015 21:13:01 GMT 12
Do they insure people at Risk , Mr Lucas ,especially to others ??
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Post by pinkmod89 on Feb 26, 2015 18:14:54 GMT 12
The only reason I started this thread was seeing/reading about raffles etc for individual competitors
Yes hopefully competitors do have insurance and I presume ACC may cover some costs but surely something along the lines of a fund to assist any competitor would be more beneficial than individual assists.
Porky I like the idea of give-a-little type fund
No I don't think it is something to be handled by SNZ as they have enough headaches to sort out and after Blondies headache with them re:Taking passengers for ride donation to Child Cancer, apparently SNZ said give us a cut of donation or no more.
How many of you on here reading this thread are/have been competitors or are keyboard racers and seen someone injured and thought Gee wonder how I could help them, don't you think having a fund to contribute to is an answer.
Those that don't like this idea can stay silent as the negativity definitely isn't constructive and honestly to me just shows narrow-mindedness, I want positive thoughts and ideas
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Post by dogman on Feb 27, 2015 8:51:17 GMT 12
when I started truck racing I had my policy endorsed for racing, when I stopped truck racing and asked for it to be reduced their answer was dirt track was more dangerous
so you can get main steam cover you just pay extra
ACC will cover you for 80 % no matter what sport you are in
Ron salter
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Post by midway on Feb 27, 2015 22:20:03 GMT 12
The only reason I started this thread was seeing/reading about raffles etc for individual competitors Yes hopefully competitors do have insurance and I presume ACC may cover some costs but surely something along the lines of a fund to assist any competitor would be more beneficial than individual assists. Porky I like the idea of give-a-little type fund No I don't think it is something to be handled by SNZ as they have enough headaches to sort out and after Blondies headache with them re:Taking passengers for ride donation to Child Cancer, apparently SNZ said give us a cut of donation or no more. How many of you on here reading this thread are/have been competitors or are keyboard racers and seen someone injured and thought Gee wonder how I could help them, don't you think having a fund to contribute to is an answer. Those that don't like this idea can stay silent as the negativity definitely isn't constructive and honestly to me just shows narrow-mindedness, I want positive thoughts and ideas Being so positive why is it not possible for yourself to set up such a fund ?? After all its your idea is it not ,and like any other poster who has a negative view in your point of view shows narrow mindedness This type of fund has been around for a few years after all ,so its nothing new ,one case of it was when ,a super stock driver regd to Auckland ,had a narrow escape from serious injuries and the club plus some of the loyal membership set up this type of fund for Victor Neal !65 NRP hopefully got it right . Most banks will allow you to set up a trust fund ,but you do have to meet some criteria just in case its not a fund for personal gain etc ,  I think the common theme to most in this sport you either run the risk of not getting hurt or find a insurance scheme that allows you to race with premiums of cost that suits your pocket . But make no mistake about it Acc isnt a push over and you are going to find in a short time sports injuries are going to be covered by your own insurance policy ,just ask Mr Key ..and sports clubs will be responsible for there regd members that get hurt .His words are we as a nation cant keep propping it up |
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