Track Day Insurance Costs

[Humpy]

I have just made an enquiry about insurance for a track day. I was quoted £250 by www.moris.co.uk for one day at Brands in Feb. Perhaps I am being naive but I am very surprised at the cost.

Any pointers on how or where I could get it cheaper..?

H

[joust]

I presume you insured 50% of the car value? That's about par for the course for one off insurance.

Only way to get it cheaper is to either insure less of the value, or to move your insurance to a broker that includes / has an add-on track day payment on your road insurance.

J

[mr noble]

Exactally what Joust said.

Its getting harder and harder to find as there have been so many total loss claims recently.

Last year I had a road policy at £800 which included unlimited TD's at £25 a go!!! (10% value of car excess)

This year, they were not interested in a renewal (can't think why) and the best I found was with Competition car insurance (also called Eggar Lawson).

They are £1450 including 4 td's and then 0.5% of car value for any extra ones. (i.e. 35k car = £175 per day) (still 10% excess)

HTH

Greg

[chillidog]

There's another way of looking at this: don't take insurance, drive well within your limits and you'll be fine.

Personally I'd rather spend the money on instruction.
--
Richard

[mr noble]

chillidog said:

There's another way of looking at this: don't take insurance, drive well within your limits and you'll be fine.

Unless someone else decides to reverse into you at 50 mph!! It was not nice and cost me £4000 + lots of hassle! (with insurance)

G

[chillidog]

So you see that we've all got Greg to blame for the high insurance costs ... and so much for Bedford being "safe".

Thankfully nobody was hurt but it makes you think twice about the (lack of) side impact protection.

This sort of thing rarely happens, which is even less consolation to Greg who now is an expert in the effects of lift of oversteer.

Greg - you can laugh at me when I bin it .
--
Richard

[robp]

chillidog said:

There's another way of looking at this: don't take insurance, drive well within your limits and you'll be fine.

Personally I'd rather spend the money on instruction.
--
Richard

...and don't have a skin-full the night before a track-day. Being seriously tired is equivalent to being drunk in term of effects on reaction time and peripheral vision response. Being tired and hung-over; well..... End of sermon.

[nobleguy]

mr noble said:

Unless someone else decides to reverse into you at 50 mph!!

What are the rules on incidents like this on a track?
This is the other guy's fault surely?
Or do the standard insurance claim procedures not apply on track?

[robp]

nobleguy said:

mr noble said:

Unless someone else decides to reverse into you at 50 mph!!

What are the rules on incidents like this on a track?
This is the other guy's fault surely?
Or do the standard insurance claim procedures not apply on track?

You sign a no liability indemnity form which basically means each person (or insurance co) pays for thier own damage howsoever caused. One reason why it's difficult/expensive to get track day cover.

[m12kop]

I'm insured with AON, 34 with 2 yr nc,03 3R £750 fully comp with 5 free track days

[mr noble]

Those pictures still bring a tear to my eye!

I managed to see the other car coming and start the engine and move it forward about 2 feet before it struck me. It hit right at the back and damage was minimal, basically just a new clam.

Hate to think what a mess my legs might have been in if it had struck me directally in the door!

I think I might have wheels attacted to my butt right now!

G

[Humpy]

Greg - some friends came back from Bedford last year with the story of this blue Noble that got clumped - obviously it was you. Makes me wince just looking at the pics

Thanks chaps - all useful stuff. I'll try again with half the insured cost and give AON a ring at renewal time.

H

[worty]

mr noble said:

It hit right at the back and damage was minimal, basically just a new clam.

G

And an intercooler if I recall correctly

[joust]

Terrible how that got damaged......

[worty]

These things happen apparently

[nobleguy]

robp said:

You sign a no liability indemnity form which basically means each person (or insurance co) pays for thier own damage howsoever caused.

Bummer...

[chanjeer]

Jason do you have a number for AON please

Chan

[Humpy]

chanjeer said:

do you have a number for AON please

08705 708090

[m12kop]

Yes,or 01483 706071 and ask for Sam Aslett