Aviva will not cover your competiton/track car on the road

[Mighty Flex]

Mighty Flex said:

I have just contacted Admiral, as they offer competitive quotes and a similar multi car policy. To them its absolutely no problem. For relatively unmodified cars that are used regularly on the road, I would still consider normal insurance, just be clear that the car might be used for competition: Aviva would tell you to go away, whereas others would probably be fine.
On a £500, standard-ish track slag/shed, a specialist broker is likely overkill, though once you get into more complicated realms, I would expect the brokers to be worth investigating.

Edited by Mighty Flex on Friday 24th March 17:58

Rang them instead of online chat and got the answer that they do not cover a car that it is used for trackdays/competition!

[Furyblade_Lee]

When they ask if the car is used for competition, just say "no". As long as the car is on private land when doing so I don't see a problem. Would you try snd claim for damage caused hitting something in a field or car park? Or a race track? Of course not. So it is none of their business what your car does OFF the public highway.

[Furyblade_Lee]

And I have 6 cars insured with Flux. Never had a problem with them. Fully comp on a totally declared proper Stage rally spec 106 Rallye, £180 fully comp.

[Batfink]

Mighty Flex said:

Rang them instead of online chat and got the answer that they do not cover a car that it is used for trackdays/competition!

Surely this is a definition of small print.
They only cover cars driven on the road.
If its driven on track its not insured.

You can argue it two ways. Is it a refusal to cover a car in certain situations or completely??....but most people who take their car on track know they will not be covered so are unlikely to even mention it as a hobby

[Mighty Flex]

Batfink said:

Mighty Flex said:

Rang them instead of online chat and got the answer that they do not cover a car that it is used for trackdays/competition!

Surely this is a definition of small print.
They only cover cars driven on the road.
If its driven on track its not insured.

You can argue it two ways. Is it a refusal to cover a car in certain situations or completely??...but most people who take their car on track know they will not be covered so are unlikely to even mention it as a hobby

completely. But how many people on here are technically voiding their insurance by doing trackdays etc.
In the event of a claim for an incident on the road and it is found out for whatever reason that the car has been used on a track, then the insurer have a get out. The document wording is [deliberately] not clear, and i like many would interpret it as there simply being no cover for those activities.

[e30m3Mark]

Missed this thread back in March but I renewed my Competition Car In surname policy (underwritten by Aviva) without any problem. I've been with them for the past 5 or 6 years.

I was going to call them but didn't want to rock the boat if I don't need to.

[Mighty Flex]

I should clarify that this is normal road insurance.

[xjay1337]

Another insurance company pulled this stunt recently on social media. I think it was Admiral but I can't be sure.

It's a complete joke.

[Wingo]

Ok,

I'll bite, what business is it of the insurance company what legal non public highway use you put your car to?

Are they saying off the public highway competition use equals a propensity to commit insurance fraud?

It's entirely your business if you chose to use your vehicle for an entirely legal off road purpose?

Is there some sort of claim that can arise that the insurer can't get out of even if competition use on or off road is listed as an exclusion?

Or is it just a case that the telephone oppo or the organisation they represent thinks that you think that your car is insured for off the public highway competition use?

I suppose they do have right to refuse your business on a whim but where does this end?
No insurance if you might want attend BTCC meeting as you have a propensity to commit to shorter than highway code braking distances into roundabouts?

Plenty of other insurers around with less creative imaginations.

Wingo.