Go full throttle — you’re covered.

Our injury insurance policy pays up to $25,000 of your covered medical bills — giving you maximum confidence to hit the berms with more speed.

Purchase Coverage

Yep, you're covered during your entire race.

File a claim

Every lap. Every body.

Coverage Overview


Accident Medical Expense Coverage


Accidental Death or Dismemberment


Heart and Circulatory



Who is covered?

All registered participants in RaceReady’s covered activities who elect coverage and pay the required premium.

What is covered?

Accidental injuries while competing in motocross, UTV, ATV and rally car racing events sponsored by RaceReady.

When are you covered?

Spot has your back while you are participating in an event for which you have purchased coverage offered by Spot Insurance.

Where are you covered?

Anywhere in the United States.

Learn More


See a full list of FAQs
What medical costs are covered under Spot?
What if I have to submit a claim?
Is Spot health insurance?
What is excluded in my policy?

Get Spot

You can purchase coverage for your event through RaceReady.
Visit RaceReady

We’ve got you covered.

This is a summary of the benefits provided by the policy. Coverage is subject to the policy’s terms, conditions, and exclusions. In the event of a discrepancy between this summary and the policy, the terms of the policy will control. The policy will be made available upon request. Coverage is underwritten and claims are serviced by Sirius America Insurance Company. RaceReady, Inc is the policyholder for Accident Insurance for all members of RaceReady who elect coverage, pay the required premium, and who are participating in RaceReady supervised and sponsored motocross, UTV, ATV, and rally car racing events.

Spot Insurance Inc. is a licensed agent/broker offering accidental death and dismemberment insurance policies and travel insurance.
Our National Producer Number (NPN) is 18724703. For additional license information, contact legal@getspot.com
(C) 2023 Spot Insurance Inc. All rights reserved.
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