On-track accident - still report to insurers?

[Veovis]

I recently had an incident on a track (so not covered by road insurance). The only damage was to my car (and a little to my ego), and I'm covering the cost myself, so no insurance claims are being made.

I know I have to inform insurers if there is an accident on the road, even without a claim, but do they still need to know about on-track incidents that wouldn't be covered under my road policy?

[SonicShadow]

I'm sure they would love to know so they can push your premium up.

Seeing as the car wasn't insured by them for that usage, they don't need to know IMO. I wouldn't tell them.

[Chapppers]

Veovis said:

I recently had an incident on a track (so not covered by road insurance). The only damage was to my car (and a little to my ego), and I'm covering the cost myself, so no insurance claims are being made.

I know I have to inform insurers if there is an accident on the road, even without a claim, but do they still need to know about on-track incidents that wouldn't be covered under my road policy?

I wouldn't. The fact that it happens to be your road car doesn't really have any bearing. You're allowed to drive a car on a track that's completely non-road-registered, so it shouldn't matter.

Up to you though, I'm sure they'll find a way to charge you for it if you do.

[Slidingpillar]

I never, and never would have dreamed of telling the road insurer about an on-track incident. In 25 years of hill climbing, must have spent £1000 on parts, but my labour was free.

[hast2]

Slidingpillar said:

I never, and never would have dreamed of telling the road insurer about an on-track incident. In 25 years of hill climbing, must have spent £1000 on parts, but my labour was free.

Same as this - I've been Racing and Rallying for about 20 years and crashed several cars over that time, it's never crossed my mind to mention any of it to an insurer when getting cover for the road.

[steveo3002]

no way

[supermono]

I certainly wouldn't tell them. The only relevant thing to your insurance premium is that you drive on the racetrack which either makes you more likely to crash because you're a speed freak or less likely to crash because you're experienced in performance driving. We can't possibly know how your track work would affect your premium.

If they considered your track work important they'd ask you the question on the proposal because they don't you can safely conclude that it's not relevant.

The ding isn't any of their business.

[fred bloggs]

Why not tell them you have one eye and like a few pints at lunchtime too.

[caelite]

fred bloggs said:

Why not tell them you have one eye and like a few pints at lunchtime too.

Is having one eye not a DVLA declarable medical condition, which would mandate your insurance being notified?

+ obligatory, "your insurance is invalid" comment

[ging84]

what do you think banger racers do?

[donkmeister]

caelite said:

Is having one eye not a DVLA declarable medical condition, which would mandate your insurance being notified?

+ obligatory, "your insurance is invalid" comment

Funnily enough no! I had a medical condition that put the sight in my left eye at risk, so looked into it. You need to have fully-adjusted to one-eyedness before getting behind the wheel again and also meet the other visual requirements.
Although weirdly, your driving licence shows if you wore specs when you took your test.

[Chapppers]

ging84 said:

what do you think banger racers do?

Yes, this.

[BOF]

A few years ago I had an IAM associate to work with and prepare for Test - wondered a couple of times about his cornering but he was a good safe progressive driver and was easy to prepare in about 5 weeks, in a Japanese import MX5...passed the IAM Test after 6 drives and a Mock.

About the 4th drive he mentioned casually that he had only one eye - came as a bit of a surprise to me!

BOF

[Somewhatfoolish]

donkmeister said:

Although weirdly, your driving licence shows if you wore specs when you took your test.

Does it? Where?

[anonymous-user]

Somewhatfoolish said:

donkmeister said:

Although weirdly, your driving licence shows if you wore specs when you took your test.

Does it? Where?

You need very strong glasses to see it.........

[WillG]

It all depends on the question they ask, typically they ask 'ANY accidents or claims?' In which case if you don't tell them you aren't answering truthfully, which has the potential to give the insurer a get out.

So technically you should, only that particular insurer can decide if that information is relevant.

[donkmeister]

REALIST123 said:

Somewhatfoolish said:

donkmeister said:

Although weirdly, your driving licence shows if you wore specs when you took your test.

Does it? Where?

You need very strong glasses to see it.........

Thick lenses like milk bottles!

If you don your specs, then look at the back of the photocard (assuming you are 36 or under/haven't moved house for 19 years) and in section 12 you will see a code 01 if you require corrective eyewear to drive. Get pulled over without specs/lenses with an 01 on your licence and you will have some 'splainin to do.

Whether anyone bothers to get that code updated ever, I couldn't say.

[popeyewhite]

WillG said:

give the insurer a get out.

Get out of what? He's not claiming.

[Somewhatfoolish]

donkmeister said:

REALIST123 said:

Somewhatfoolish said:

donkmeister said:

Although weirdly, your driving licence shows if you wore specs when you took your test.

Does it? Where?

You need very strong glasses to see it.........

Thick lenses like milk bottles!

If you don your specs, then look at the back of the photocard (assuming you are 36 or under/haven't moved house for 19 years) and in section 12 you will see a code 01 if you require corrective eyewear to drive. Get pulled over without specs/lenses with an 01 on your licence and you will have some 'splainin to do.

Whether anyone bothers to get that code updated ever, I couldn't say.

I don't require - by the legal standard of reading a numberplate at whatever distance - corrective eyewear to drive, nor have I ever done, but I did wear specs when I took my test and almost always wear them at driving, including with a slightly different prescription at night (and with glasses I have far better vision than the standard for human vision incidentally (i.e. 6/6 or 20/20), which is not uncommon). Unless I've forgotten, no one asked when I took my test (well any of my tests as I have more than just a car licence actually) if I needed glasses or was just wearing them to improve my vision. Vaguely remember looking at numberplate and that's it.

There's definitely no such code on my licence but it's a Manx licence... it was a DVLA licence originally though and I'm almost sure there was no such code on it.

[donkmeister]

Somewhatfoolish said:

I don't require corrective eyewear to drive, nor have I ever done, but I did wear specs when I took my test (and with glasses I have far better vision than the standard for human vision incidentally (i.e. 6/6 or 20/20), which is not uncommon). Unless I've forgotten, no one asked when I took my test (well any of my tests as I have more than just a car licence actually) if I needed glasses or was just wearing them to improve my vision. Vaguely remember looking at numberplate and that's it.

There's definitely no such code on my licence but it's a Manx licence... it was a DVLA licence originally though and I'm almost sure there was no such code on it.

Fair dos, but it's the gubbermint what done it: see here

I took my test before I was a speccy four-eyes so I assumed the only reason they would know would be if the examiner noted it when you read the numberplate. Certainly my OH has the code on her licence and she doesn't recall declaring it at any time.