Track day insurance
Discussion
Been phoning for quotes and am shocked (in a good way 
).
However, I have only just realised I havent asked about trackday cover.
Anyone else here asked a conventional insurance company* about track day cover? I dont want to scare them off by asking with quotes this good!
*Tescos, Bell Direct, etc etc
Is it possible to get seperate "pay as you go" track day insurance?
BTW: The official TVRCC insurance company won't touch me till I have owned the car for a year so please dont suggest them! (I havent done over 5000 miles in a 200BHP+ car in the last 2 years).
). However, I have only just realised I havent asked about trackday cover.
Anyone else here asked a conventional insurance company* about track day cover? I dont want to scare them off by asking with quotes this good!
*Tescos, Bell Direct, etc etc
Is it possible to get seperate "pay as you go" track day insurance?
BTW: The official TVRCC insurance company won't touch me till I have owned the car for a year so please dont suggest them! (I havent done over 5000 miles in a 200BHP+ car in the last 2 years).
Sunninghill and Heritage both include track days. I don't think the main stream policies do though.
You may be surprised to hear that most people on track days don't have cover anyway. Separate policies can end up being expensive (that's if you can get them at all as I've tried a couple of companies who advertise cover but didn't reply to my emails) but the good thing about them is that you don't lose your NCB if you do stuff it on a track. Best thing is not to stuff it!!
You may be surprised to hear that most people on track days don't have cover anyway. Separate policies can end up being expensive (that's if you can get them at all as I've tried a couple of companies who advertise cover but didn't reply to my emails) but the good thing about them is that you don't lose your NCB if you do stuff it on a track. Best thing is not to stuff it!!
RichB said:
Anyway Dusty, given your question should we assume you have finally got a Griff?Rich...
Do you really thing that after all this time I wouldnt put you all out of your misery and let you know?
I havent got a Griff. I was calling for quotes for the Golf TDi and had to mention the Griff. A company said they'd give me a reduction if I insured both cars with them, and they did. Only problem was the Griff would not be protected NCB for the first year so continuing the shopping.
There's a company called Competition Car Insurance who do track day cover. It's not cheap though - you pay a set premium per £1000. IIRC it's about £10 per £1000 of cover. And it only covers crash damage - not fire, not blowing up the engine.
For those reasons I've never insured to the full value of the car - just enough to take the sting out of a heavy rearrangement of the armco. Which fortunately I have done. Yet.
Think it was Sunnighill who offered complementary track cover, but only for TVRCC track days.
For those reasons I've never insured to the full value of the car - just enough to take the sting out of a heavy rearrangement of the armco. Which fortunately I have done. Yet.
Think it was Sunnighill who offered complementary track cover, but only for TVRCC track days.
when I had the S3 insured with a mainstream insurer they ran a mile when i mentionned track days. i looked into aftermarket insurance. For about £5k worth of cover it was about £120. that had a £1k excess on it too.
As has been said, sunninghill offer free cover for all trackdays. I am with mannings and they only offer it for TVRCC track days so next year I will probably swap to sunninghill
As has been said, sunninghill offer free cover for all trackdays. I am with mannings and they only offer it for TVRCC track days so next year I will probably swap to sunninghill
I have my Griff covered for trackdays as part of the insurance which is arranged thru Sunninghill.
I also run a RenaultSport Clio which I insure with Tesco but it doesnt come with trackday cover anymore so I have used Competition Car Insurance for one off trackday cover.
They have a £950 excess and charge about £12 per £1000 of cover, ie, car worth £10k - cost £120.
If you call them - Ask for Chris Yemm. 0115 941 5255.
Matt
I also run a RenaultSport Clio which I insure with Tesco but it doesnt come with trackday cover anymore so I have used Competition Car Insurance for one off trackday cover.
They have a £950 excess and charge about £12 per £1000 of cover, ie, car worth £10k - cost £120.
If you call them - Ask for Chris Yemm. 0115 941 5255.
Matt
shnozz said:
when I had the S3 insured with a mainstream insurer they ran a mile when i mentionned track days.
Thats exactly what I was afraid of.
Some insurance companies will probbaly stop talking to me if i mention taking the car on a track so I'll be carefull who I ask!
Thanks for your advice everyone.
With all this enthusiasm about sunninghill I bet when I call them they wont quote me!
I have got 2 good quotes around £500 so far for fully comp protected no-claims. Thats based on 8000 miles and a low excess too.
If sunninghill can match that with trackday cover thrown in, Im theres.
What appeals to me is the customer service point of view. Never heard positive comments about an insurance company before!
I have got 2 good quotes around £500 so far for fully comp protected no-claims. Thats based on 8000 miles and a low excess too.
If sunninghill can match that with trackday cover thrown in, Im theres.
What appeals to me is the customer service point of view. Never heard positive comments about an insurance company before!
GarryM said:
You may be surprised to hear that most people on track days don't have cover anyway. Best thing is
this is worrying
What if you total someone else?
From what I have heard these days there are lots of Numpties around and unless you are choosy about your organiser, could end up with allsorts of cars going round with you.
My policy with Pearts covers me for TVRCC trackdays in at the price.
Which was reasonable (£520 using full NCD) as I did not have previous with a performance car.
Eli
still got the Griffy Grin
No need to be worried.....just aware. Since Trackdays by definition are not on public roads I guess there is no legal requirement to insure your vehicle. Most Track Day organisers I have come across have some very good and simple rules in place to avoid car 2 car contact.
It's a horrible thought, but I'm not sure what the score would be if you actually injured someone else, or vice versa.....
Matt
It's a horrible thought, but I'm not sure what the score would be if you actually injured someone else, or vice versa.....
Matt
The good organisers are very strict about etiquette and safety and will often grade the cars into experience levels. Anyone found causing problems is frequently removed. The best bit of advice is get some instruction and look in the mirror especially if you are a beginner. I take the attitude that the more experienced drivers (like myself) have a bigger responsibility to slower and less inexperienced drivers to make sure they are not intimitated. In that sort of atmosphere, everyone has a good and safe time.
BTW according to a radio report I heard the other day, there are about 3 million drivers on the road without tax, a drivers licence or insurance. Also people drive on motorways and public roads at speeds that you can experience on track days without run off areas, no crash hat, and without knowing who is on the road with you. If you look at all the possible risks, track days are probably safer than driving on the road. Doesn't mean accidents don't happen - they do - but more cars are written off on public roads than track days.
BTW according to a radio report I heard the other day, there are about 3 million drivers on the road without tax, a drivers licence or insurance. Also people drive on motorways and public roads at speeds that you can experience on track days without run off areas, no crash hat, and without knowing who is on the road with you. If you look at all the possible risks, track days are probably safer than driving on the road. Doesn't mean accidents don't happen - they do - but more cars are written off on public roads than track days.
shpub said:
BTW according to a radio report I heard the other day, there are about 3 million drivers on the road without tax, a drivers licence or insurance. Also people drive on motorways and public roads at speeds that you can experience on track days without run off areas, no crash hat, and without knowing who is on the road with you. If you look at all the possible risks, track days are probably safer than driving on the road. Doesn't mean accidents don't happen - they do - but more cars are written off on public roads than track days.
Thats a good point Steve. You ought to say that to the lot in "Speeding plod and the law". Some of the promoters of our cause could use those figures to good use.
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