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70proof

Original Poster:

4,322 posts

39 months

[news] 
Thursday 4th October 2012 quote quote all
i have signed up to give passenger rides for charity on track

i assume i will need specific track day cover, even though it is not a proper track day per se

who is competitive in this regards..... i may not have to give any rides, so i dont want to blow loads on cover.... aviva are my current insurers and do not/will not cover track use

will a 07 gallardo with a stock exhaust pass the sound test anyway

Allandwf

1,585 posts

79 months

[news] 
Thursday 4th October 2012 quote quote all
I'm with Mannings, they have track cover.

70proof

Original Poster:

4,322 posts

39 months

[news] 
Thursday 4th October 2012 quote quote all
just literally renewed.... hmmm

Mario149

4,162 posts

62 months

[news] 
Thursday 4th October 2012 quote quote all
70proof said:
i assume i will need specific track day cover, even though it is not a proper track day per se
Events like The Supercar Event (formally Dads Day Out) don't require it, so many do not bother.

jtremlett

326 posts

106 months

[news] 
Thursday 4th October 2012 quote quote all
70proof said:
...will a 07 gallardo with a stock exhaust pass the sound test anyway
Depends on the track and the noise limit applying for the day.

Mario149 said:
Events like The Supercar Event (formally Dads Day Out) don't require it, so many do not bother.
There is a big difference between what is (legally) required and what is wise. What happens if your passenger gets injured for example? Bear in mind there was an incident at the Ferrari Fun day in 2009 where a car was written off and both driver and passenger were lucky to escape uninjured. The resultant costs were considerable and not just for the loss of the car.

Jonathan
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Candellara

576 posts

66 months

[news] 
Thursday 4th October 2012 quote quote all
Mention "public passenger rides" to your insurance company and they will run a mile!

As JT states, most people at DDO & similar events run without insurance as the cost for the one day is just prohibitive.

Mario149

4,162 posts

62 months

[news] 
Thursday 4th October 2012 quote quote all
jtremlett said:
There is a big difference between what is (legally) required and what is wise. What happens if your passenger gets injured for example?
If memory serves passengers have to sign a disclaimer before going on the rides at DDO precisely for this reason

70proof

Original Poster:

4,322 posts

39 months

[news] 
Thursday 4th October 2012 quote quote all

Zippee

10,066 posts

118 months

[news] 
Thursday 4th October 2012 quote quote all
Candellara said:
Mention "public passenger rides" to your insurance company and they will run a mile!

As JT states, most people at DDO & similar events run without insurance as the cost for the one day is just prohibitive.
Not always, though I guess in Mr Proofs case it's a little different as it's on track. For instance I do the NEC dream rides every year for the Sporting Bears, as of this year they now require written confirmation from each participants insurance company that they are covered for non reward passenger rides (albeit on public roads) and most insurers are fine with this (including mine fortunately).

The fact it's on track you need to ask 2 main questions, is public liability covered by the charities insurers? As on a normal trackday, if you don't have specific trackday insurance then you're not covered so what happens if you do have an off or a coming together with another vehicle. Finally, even if you do have specific track day cover, passenger rides on a charity basis is different to a normal trackday so again, best check you are covered for this.

Candellara

576 posts

66 months

[news] 
Thursday 4th October 2012 quote quote all
Zippee said:
Not always, though I guess in Mr Proofs case it's a little different as it's on track. For instance I do the NEC dream rides every year for the Sporting Bears, as of this year they now require written confirmation from each participants insurance company that they are covered for non reward passenger rides (albeit on public roads) and most insurers are fine with this (including mine fortunately).

The fact it's on track you need to ask 2 main questions, is public liability covered by the charities insurers? As on a normal trackday, if you don't have specific trackday insurance then you're not covered so what happens if you do have an off or a coming together with another vehicle. Finally, even if you do have specific track day cover, passenger rides on a charity basis is different to a normal trackday so again, best check you are covered for this.
Yes - i was referring to "on track" as opposed to public rides on a public road

andrew

6,878 posts

76 months

[news] 
Thursday 4th October 2012 quote quote all
what happens if you organise full track/passenger insurance, but then get hit by someone who, to use the term, doesn't bother ?

Zippee

10,066 posts

118 months

[news] 
Thursday 4th October 2012 quote quote all
andrew said:
what happens if you organise full track/passenger insurance, but then get hit by someone who, to use the term, doesn't bother ?
My understanding is it's track etiquette and you look after yourself, risk you take and all that, though how you'd feel having to stump up a 10% excess due to someone elses stupidity and all that...

70proof

Original Poster:

4,322 posts

39 months

[news] 
Thursday 4th October 2012 quote quote all
Zippee said:
My understanding is it's track etiquette and you look after yourself, risk you take and all that, though how you'd feel having to stump up a 10% excess due to someone elses stupidity and all that...
10% excess..... yikes ... is this the norm for track day cover....
there are a lot of brave (or rich) exotica drivers out there then who track their lambo's etc,
or do they have exclusive sessions with few or no other cars on the track...
could check with the organisers as to how many cars will be on track at any given time...

johnnyreggae

1,311 posts

44 months

[news] 
Thursday 4th October 2012 quote quote all
You'll not get cover for this type of event - some car insurers can be persuaded to include it but most won't touch especially not a stand alone policy (well ok for a four figure premium) - you might want to look at discussions about previous years and/or DDO for more information

Normal track day cover is much easier to get included as its better understood by insurers

105 db is pretty normal for a track day - you should be ok


Mario149

4,162 posts

62 months

[news] 
Thursday 4th October 2012 quote quote all
johnnyreggae said:
105 db is pretty normal for a track day - you should be ok
Unless you're at Bedford, something like 102dB (or less on some days)....spoilsports tongue out

RevHappy

1,417 posts

46 months

[news] 
Thursday 4th October 2012 quote quote all
70proof said:
10% excess..... yikes ... is this the norm for track day cover....
there are a lot of brave (or rich) exotica drivers out there then who track their lambo's etc,
or do they have exclusive sessions with few or no other cars on the track...
could check with the organisers as to how many cars will be on track at any given time...
10% excess is the norm. Keeps the find focused, but charity track days with the right drivers and passengers can be one of the best tanks of fuel you'll ever burn.

bertie

6,207 posts

168 months

[news] 
Friday 5th October 2012 quote quote all
Mario149 said:
johnnyreggae said:
105 db is pretty normal for a track day - you should be ok
Unless you're at Bedford, something like 102dB (or less on some days)....spoilsports tongue out
Or 98dB drive by at a lot of places.

KevF

1,788 posts

82 months

[news] 
Friday 5th October 2012 quote quote all
Afternoon,

Our insurance covers the passenger only. Due to the various nature of the cars attending (BTCC, GT, Classics and supercars) and the different abilities of the drivers, we cannot get full cover.

As mentioned, some drivers already had track cover, some got one day cover ( Peter Best has been used but not sure costs) while others do without.

We are grouping drivers into experience and licence types to prevent say Martin Donnelly being on track with someone who has never been.

100% safety record so far and we do not plan on that changing but accidents do happen and drivers have to make their own call as to whether they need insurance.

As you will be told in the briefing, you need to know your (and your cars) limit of driving on the track and then back off to 8/10ths for the event. The total experience of being in a supercar with a crash helmet on is more than enough for most let alone being taken around a track at warp speed.

We run full MSA Marshals and flag system so anyone causing issues or seen as a danger will be black flagged for the safety of passengers, other drivers and the event.

Our aim is for the drivers as well as the passengers to have a fantastic day and raise as much money for the charity as possible.

Mohan, thanks for the support and I am sure there will be no problems with people wanting you to take them out in the car...

Hope this helps.

Cheers

Kev


Forgot to add, Snetterton has a 105db limit so should be okay unless the exhaust is modified.


Edited by KevF on Friday 5th October 12:45

70proof

Original Poster:

4,322 posts

39 months

[news] 
Friday 5th October 2012 quote quote all
thanks kev

so, does anyone know how much 1 day cover for a gallardo costs..... i'm sure someone's mate has taken it out recently....

Anaconda666

92 posts

47 months

[news] 
Saturday 6th October 2012 quote quote all
KevF said:
Afternoon,

Our insurance covers the passenger only. Due to the various nature of the cars attending (BTCC, GT, Classics and supercars) and the different abilities of the drivers, we cannot get full cover.




Edited by KevF on Friday 5th October 12:45
Does that mean that if an injured passenger sues the driver then the insurance for the passenger foots the bill? (hopefully this would never happen but it still needs to be thought about)
Does Track day cover REALLY cover or is it a bit like undeclared mods..........your covered but not if you make a claim (if you understand what I'm getting at)
My insurance cover was just fine for driving at Dunsfold for the Sporting Bears but they made it VERY clear it would not cover for on track driving.
Even with a signed disclaimer can the passenger make a claim against the driver rather than the organiser?
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