I don’t see any grey area - there can be no doubt that riders contracted to British clubs are self employed. So “terms and conditions of employment” are irrelevant. They have, instead, terms and conditions of engagement. And in the vast majority of cases, these cease to operate when a rider stops riding for a club, either because they move on or because the season has ended. I suspect that also applies even when a rider is reported to have signed a multiple year deal as these can easily be cancelled. Further, with the abolition of retained lists, no rider is tied to a club beyond the end of their existing deal.
Those signed up to ride in British speedway this year will have signed a contract and it’s reasonable to assume that contract contains details of the insurance cover provided to them.
The huge proviso, of course is that something as radical as the change in insurance arrangements, which, of course simply brings British speedway into line with all other national governing bodies should not only have been clearly outlined to all riders, but someone with half a brain would have found and offered to the riders additional insurance which they could choose to pay for individually.
In my opinion