Insurance

Track day insurance is proving a bit of a minefield. Unless your policy includes restrictions which mention the likes of 'Speed testing', your normal car insurance should cover you as track days are a non-competitive activity.  However, if you check with your insurers you'll find that many will insist that it is a car club organised day, or that your excess will be increased dramatically.

Several cases have gone to the insurance ombudsman where insurers have claimed that policy holders were not covered for track days, with the policy holders winning their cases thanks to the lack of specific exlusions in their policies.

It all comes down to the regulations on the days specifically excluding timing and clearly defining policies such as overtaking on the track etc. It's well worth seeking written clarification of an insurers policy with regard to track days when shopping around for insurance. Ask in the forums for people's recent experiences with the specialist insurers for your marque of car.

Be aware though that your quest for clarification may be a futile one and just incredibly frustrating! If in doubt, take out specific insurance for the day from someone like Competition Car Insurance.

Comments (33) Join the discussion on the forum

  • GFWilliams 10 Jan 2017

    Currently daily driving a Lotus Exige V6 with a Caterham as a weekend toy. Keep thinking of selling both and getting a Boxster GTS.

    So lets make this simple with a vote.

    My Exige V6?


    Or a Boxster GTS?

  • Rawwr 10 Jan 2017

    The Boxster combined with the Seven would be a nice combination. I'd probably do that.

  • kambites 10 Jan 2017

    Depends on the type of driving you do. The Exige is, IMO, the better sports car but the Boxster is considerably better as a GT.

    I'd most likely go for the Exige as an only car, but I think Boxster/Seven would be a better combination than Exige/Seven. I'd probably take Evora/Seven over any of the other options, though.

    Edited by kambites on Tuesday 10th January 11:59

  • GFWilliams 10 Jan 2017

    Caterham is going regardless unfortunately as I need to free up a little cash for my business

  • rockin 10 Jan 2017

    GFWilliams said:
    Currently daily driving a Lotus Exige V6 with a Caterham as a weekend toy. Keep thinking of selling both and getting a Boxster GTS.
    The problem you've given yourself is IMO owning two cars both of which say "trackday" louder than they say "car".

    Sell one of them, and buy yourself a more basic Boxster than the ambitiously over-priced GTS.

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