Can I get one-off insurance for a track day?
Discussion
lotus esteem insurance said when i took out they're policy that it covered track days. they now say that they will not cover track days until i've done a track day and given them the certificate to prove it. funny how they didnt mention it when selling the policy.
i love insurance companies - funny how everything associated with lotus is crap bar the actual car.
i love insurance companies - funny how everything associated with lotus is crap bar the actual car.
I used them on my 1st ever track day back in 1997. Seemed very friendly and arranged instant cover over the phone (as in I phoned them from the pit lane and then went on-track as soon as I hung up).
They even kept me on their Christmas card list for a couple of years afterwards, which was nice.
But never having made a claim, I can't say whether they're any good or not.
They even kept me on their Christmas card list for a couple of years afterwards, which was nice.
But never having made a claim, I can't say whether they're any good or not.
Where is the track day you're attending ? And is it *really* worth insuring the car if you can trust yourself not to drive like a total muppet and throw it at the scenery ?
The idea of trackdays is that they're not a competition - drive within your limits and you won't need insurance.
Personally I wouldn't bother with insurance unless I was going to a track with little in the way of run off, e.g. Cadwell, maybe Oulton Park, Brands, etc. At airfields or circuits like Anglesey and Silverstone I simply wouldn't bother with it.
The idea of trackdays is that they're not a competition - drive within your limits and you won't need insurance.
Personally I wouldn't bother with insurance unless I was going to a track with little in the way of run off, e.g. Cadwell, maybe Oulton Park, Brands, etc. At airfields or circuits like Anglesey and Silverstone I simply wouldn't bother with it.
Well, I wouldn't chose to come off there - it's pretty fast, there are some interesting bumps and camber changes and the tyre walls aren't that far back. Oh and be gentle with the throttle exiting the chicane if it's damp.
On the plus side they don't let many cars out at once so the chance of somebody else running into you are reduced.
As above, the main risk on track days is not the track, but whether one can avoid the red mist and drive within ones own limits. Study a trackmap beforehand, take it steady and don't take risks where the consequences would be bad.
AdrianR
>> Edited by adrianr on Thursday 11th April 17:29
On the plus side they don't let many cars out at once so the chance of somebody else running into you are reduced.
As above, the main risk on track days is not the track, but whether one can avoid the red mist and drive within ones own limits. Study a trackmap beforehand, take it steady and don't take risks where the consequences would be bad.
AdrianR
>> Edited by adrianr on Thursday 11th April 17:29
I definitely would get insurance.
Most of the companies will insure your "rolling chassis" meaning if your engine goes bang than you've had it. However, if you're flying down the straight at Brands and a tyre pops and you end up stuffing your pride and joy into the wall, then you'll be glad of the insurance!
For my Impreza (value 8k) it was 80 quid I think, with the Griff (30k) costing about 150.
No-one ever *plans* to have an accident
Most of the companies will insure your "rolling chassis" meaning if your engine goes bang than you've had it. However, if you're flying down the straight at Brands and a tyre pops and you end up stuffing your pride and joy into the wall, then you'll be glad of the insurance!
For my Impreza (value 8k) it was 80 quid I think, with the Griff (30k) costing about 150.
No-one ever *plans* to have an accident
what insurance covers engine bang though?? Thats a warranty not insurance.
Be careful, the main insurer will cover any value of damage (subject to more costly premiums for higher levels of cover!) but excludes damage to the drivetrain. ie stick it in the barriers and crunch the engine - and they would only pay for the wing / chassis etc!!
Best bet is to buy a cheapy for the track, that way if you stick it in the barriers you could just leave it there!!
Bennno
quote:
Not used them myself, but you could try
www.competition-car-insurance.co.uk
Cheers,
AdrianR
I've used these guys for 'one-off' event cover for Sprints and they're reasonable.
Also know of a TVR owner (who will remain nameless) who had cause to clain at a sprint last year, and apparently found them OK - which I suppose is the acid test.
nope 456 is too expensive to crash, 18k for a new bonnet!
i am having a rather tasty gti modified for track days, and hope to have it in another 2/3 weeks. Its been being built for almost 5 months....and lets just say, those whom think they are not going to pull over for a hatch might be pretty suprised when the (almost f3 spec @240bhp) engine and slick shod 205 motors past.
Bennno
i am having a rather tasty gti modified for track days, and hope to have it in another 2/3 weeks. Its been being built for almost 5 months....and lets just say, those whom think they are not going to pull over for a hatch might be pretty suprised when the (almost f3 spec @240bhp) engine and slick shod 205 motors past.
Bennno
http://www.moris.co.uk/
I'm currently insured with Hagerty who charge a small extra fee for track days.
http://www.hagertyinsurance.co.uk/
I'm currently insured with Hagerty who charge a small extra fee for track days.
http://www.hagertyinsurance.co.uk/
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