Believe it or not the Rickshaw Run is actually pretty dangerous. Lots of very bad things can happen to people on the roads of India. Some of these bad things can be expensive, some of these bad things require medical evacuation by helicopter to a country with medical facilities which can cost millions. To prevent these bad things from flinging you into a paupers jail for the rest of your life, we recommend decent travel insurance. It might also be important as some good cover will mean you're not out of pocket if your team's plans cave in before the launch and the refund period has expired.
The folks at Campbell Irvine have been insuring adventurists for a decade now. They understand the risks on our adventures and are comfortable offering cover to any teams based in the EU.
They are not the only insurer available but remember that it is your responsibility to ensure that the company you use understands what the Rickshaw Run entails and the risks involved. Many insurers may reject your application on the basis that their policies cannot cover you for the risks involved in doing something like this - so you may need to research your options extensively and persistently.
Make sure you don’t invalidate your insurance by driving without the correct licensing.
All travel insurance policies have an exclusion saying that if you break the law they have the right to deny the claim. This would usually refer to the local laws where the incident takes place, so you need to meet the license requirements for the country you’re driving in in order to be covered by your travel insurance. Seems obvious enough but it’s always worth double checking with your insurance provider to make absolutely sure you’re covered.
If your license covers you under domestic law on your adventure, but wouldn’t cover you to drive that vehicle at home, your insurer could argue that you have a lack of experience driving that vehicle. It might be legal for you to whizz around in a Rickshaw in India on your license - but maybe not in your country of origin, so it is entirely your responsibility to make sure your insurer will cover you with whatever license you have.
The Adventurists is an Introducer Appointed Representative of Campbell Irvine Ltd who are authorised and regulated by the Financial Conduct Authority.