Insurance for driving to the track
Discussion
Does anyone know an insurer that would give minimum level insurance to drive to the track for a reasonable price?
I share a standard Clio 172 Cup with a mate purely for a laugh on trackdays. It lives in my workshop and is only ever driven to the track and back home again.
This year the cheapest quote i can get is around £600 and thats with the highest possible excess and stating it will only do 1000 miles a year. We never intend to claim for this Clio but the comprehensive cover is always the same as Third party cover price wise. I've tried playing with adding more responsoble people to the policy with no great effect.
Thanks to the government insisting cars are now declared sorn if not insured i can't see a cheap way to run this car to and from the track without a trailor for which i would need a trailor license and then a trailor and tow car etc
The Clio is a tatty example that is only worth £1500 so really would like any ideas of an insurer or a way to insure it as cheap as possible.
Any Ideas?
I share a standard Clio 172 Cup with a mate purely for a laugh on trackdays. It lives in my workshop and is only ever driven to the track and back home again.
This year the cheapest quote i can get is around £600 and thats with the highest possible excess and stating it will only do 1000 miles a year. We never intend to claim for this Clio but the comprehensive cover is always the same as Third party cover price wise. I've tried playing with adding more responsoble people to the policy with no great effect.
Thanks to the government insisting cars are now declared sorn if not insured i can't see a cheap way to run this car to and from the track without a trailor for which i would need a trailor license and then a trailor and tow car etc
The Clio is a tatty example that is only worth £1500 so really would like any ideas of an insurer or a way to insure it as cheap as possible.
Any Ideas?
Not sure how to get a better quote but trailer option may be a possibility.
However, it is always good to run a track car around for a few miles to ensure brakes, steering etc are right before committing to a trackday.
Have you tried to get a policy from Competition car insurance or REIS? May be worth a try.
Mike
However, it is always good to run a track car around for a few miles to ensure brakes, steering etc are right before committing to a trackday.
Have you tried to get a policy from Competition car insurance or REIS? May be worth a try.
Mike
kel176506 said:
Does anyone know an insurer that would give minimum level insurance to drive to the track for a reasonable price...
...The Clio is a tatty example that is only worth £1500 so really would like any ideas of an insurer or a way to insure it as cheap as possible.
Any Ideas?
It depends on how old the car is. If it's more than 10 years old (a safeguard against fraudulent claims since they had loads of them) disregard this post, otherwise have a look at www.dayinsure.com (the guy who owns this is a track day enthusiast, not that it makes any difference) It gives you an instant quote online and you can take the insurance immediately. You can insure from 1 day to 28 days and you print the documents off. It'll probably cost around £25 to insure the Clio for 1 day but the more days you do the lower the daily rate usually is (a recent quote for a 2003 2.4L V6 MGZS for me was £23). Cover is underwritten by Aviva....The Clio is a tatty example that is only worth £1500 so really would like any ideas of an insurer or a way to insure it as cheap as possible.
Any Ideas?
It's not cheap relative to annual insurance, but you only need to insure the car when you need to use it!
timarnold said:
It depends on how old the car is. If it's more than 10 years old (a safeguard against fraudulent claims since they had loads of them) disregard this post, otherwise have a look at www.dayinsure.com (the guy who owns this is a track day enthusiast, not that it makes any difference) It gives you an instant quote online and you can take the insurance immediately. You can insure from 1 day to 28 days and you print the documents off. It'll probably cost around £25 to insure the Clio for 1 day but the more days you do the lower the daily rate usually is (a recent quote for a 2003 2.4L V6 MGZS for me was £23). Cover is underwritten by Aviva.
It's not cheap relative to annual insurance, but you only need to insure the car when you need to use it!
How will that work in this situation?It's not cheap relative to annual insurance, but you only need to insure the car when you need to use it!
I'm sure it's not escaped your attention but the new Continuous Insurance rules mean that ALL cars need to be either i) Insured, or ii) SORN. Therefore as you're advocating they don't buy annual cover, the car will have to be SORN - so it can't be driven on the road.
mrmr96 said:
How will that work in this situation?
I'm sure it's not escaped your attention but the new Continuous Insurance rules mean that ALL cars need to be either i) Insured, or ii) SORN. Therefore as you're advocating they don't buy annual cover, the car will have to be SORN - so it can't be driven on the road.
On the assumption they would have a valid MOT and Tax on the car, because either way, even if the car was insured annually but only used to drive to and from the odd track day, it would still have to have a valid MOT and Tax; that being the case it's no problem to SORN / un-SORN online in minutes (I'm not aware of any rule that says you can't SORN a car that is Taxed and MOT'd) just as it's as quick to insure with the company I recommended. So, here's how it works: car is SORN'd; need to drive to a track tomorrow, go online to dayinsure.com, insure it for the day; go online to www.direct.gov.uk or phone them, and un-SORN it. It's not rocket science. I'm sure it's not escaped your attention but the new Continuous Insurance rules mean that ALL cars need to be either i) Insured, or ii) SORN. Therefore as you're advocating they don't buy annual cover, the car will have to be SORN - so it can't be driven on the road.
Thanks timarnold that sounds like an actual alternative. I'll go away and do some research into how often you are allowed to declare a car sorn. Knowing how useful the DVLA is i bet there is a limit on the number of times you can declare a car sorn in a year.
I might post this up in another question but do many people have dedicated track cars that they keep road legal?
I might post this up in another question but do many people have dedicated track cars that they keep road legal?
the_stoat said:
Also don't forget track miles form part of your mileage allowance, so you may want to go a bit higher than 1000.
I went through this when i took out the policy on my BMW.After much deliberation i was told i should get offical header paper from the TDO and signature to sign off my mileage on arrival and after finishing to exclude them from my policy as your not insured for those miles anyway!
ETA: my policy was around £650/year for 3000 miles TPFT all mods declared and insured.
Edited by bulldog5046 on Monday 12th March 13:02
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