Track Day Insurance

[Stark]

I am at Silverstone on 13 th August (maybe not now!) and looking at insurance for the track day, it's coming out at £235 for the one day and with a £2500 excess. Am I being naive, or is this just a crazy price....so coupled with the £299 for the event, I'm looking at over £500 to drive my car around a race track for the day!!

[srhutch]

Plus the cost of getting through a set of tyres fuel brakes etc

[BMWZ4MC]

Shouldn't consume a set of tyres or brakes (unless you use EBC yellow stuff ).
Have you tried www.moris.co.uk? They're the cheapest I can find for my ///M

[sam1832]

I was gonna post a thread up about this soon because a track day was something I wanted to do

I got a quote for the same ridiculous amount as you. And like you thought it sounded a lot

At the sort of price it's a pretty expensive day

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[Maniac]

I was wondering why this was in the problems section, and then I read the cost of the insurance!

[The Admiral]

Yeah, it's expensive unless an "add on" to your normal policy, which costs £70-80 per event usually.

There are different levels of track day cover too. Some just cover panel damage, some also include engine/drivtrain damaged in an accident, so check the fine print. Most do not cover 3rd party damage though...

Trackdays have become too expensive for me to do regularly now

Rog

[sam1832]

Yeah, it's expensive unless an "add on" to your normal policy, which costs £70-80 per event usually.

There are different levels of track day cover too. Some just cover panel damage, some also include engine/drivtrain damaged in an accident, so check the fine print. Most do not cover 3rd party damage though...

Trackdays have become too expensive for me to do regularly now

Rog

I thought that was the point if it for 3rd party cover

I could live with ny self if I as to write my car off but if I was to rear end a lambo or something exotic I wouldn't have the funds to fix it

That's interesting about the add on to existing insurance :thumbsuo


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[kevinmarkwhite]

I dont know anything about track days etc, but would've thought the high insurance rates are to reflect the higher risk of a claim.

For instance, if you are driving on a track, then by its very nature, you are possibly more likely to have an accident, so the insurance reflects this.

Similare to trying to add an in-experienced driver to your policy for say, 1 week. The insurance might seem high cos its for a week and not a year, but the insurers are thinking that in that week they could do a lot of damage.

Of course, it could be none of this, and it might just be the insurance trying yet another way to screw you out of money. But they wouldn't be so underhand would they ?????

[The Admiral]

At trackdays, you will all sign disclaimers that any damage to you car is your own responsibility (whether caused by your actions or others).

So, if you wipe out a Lambo, it is the Lambo's responsibility to pay for this.

Third party insurance is provided by the track under "public liability" insurance e.g. a part of the grandstand falls on you, then you are covered.

If another driver is driving recklessly and dangerously or deliberately crashes in to you, then you could take legal action against them to recoup costs.

There was a case at the Spa trackday I did in May where a Porsche 997 Turbo was driving like an @rse and lost it at the top of Eau Rouge, then speared in to a 997 GT3 RS, resulting in said 911 Turbo being saved from hitting the barriers, but causing the 911 GT3 RS to hit them hard, completely destroying it

911 Turbo driver left and went home, leaving 911 GT3 driver with E140,000 bill due to no fault of his own and with no insurance

If I take a car of any value on track nowadays, I always get insurance to cover my car...

Cheers

Rog

[original guvnor]

There was a case at the Spa trackday I did in May where a Porsche 997 Turbo was driving like an @rse and lost it at the top of Eau Rouge, then speared in to a 997 GT3 RS, resulting in said 911 Turbo being saved from hitting the barriers, but causing the 911 GT3 RS to hit them hard, completely destroying it

911 Turbo driver left and went home, leaving 911 GT3 driver with E140,000 bill due to no fault of his own and with no insurance

If I'd have been the GT3RS driver the 997 Turbo driver wouldn't have been in a fit state to go home!!

[Stark]

I've decided not to go for it, as much as I would have loved to have, something's just can't be justified.....

[BMWZ4MC]

Did you try Moris? I usually pay £90-100 per track day.

[Stark]

I'll try them this weekend of I can...£100 sounds much better...thanks for the tip

[sam1832]

I'll try them this weekend of I can...£100 sounds much better...thanks for the tip

Let us kno how you get on with that

I would stomach £100 door piece of mind

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