I received an email from Lucy in the clubs admin team last month explaining that the clubs track days complementary third part insurance cover enjoyed in previous years is no longer available for the 2023 season. I assume this cover was intended to indemnify any member against a claim by another participant for injury, death or damage? My own trackday cover with Footman James only covers damage to my car and excludes any third party liability. So, my understanding is that participants accept the risks of damage to their own cars regardless of blame or fault and arrange their own cover (or not!). Does the same apply to injury or death i.e. by signing the trackday organisers disclaimer, are all rights to claim for incidents on track waived? In which case, what was the intended purpose of the previous club indemnity policy, and is there still a risk of liability for on track incidents? Does anyone have a copy of the trackday organisers disclaimer we have to sign prior to taking part (Brands Hatch organiser would be preferred)?