Track day insurance companies

[dxb335d]

Who has used who? what do you get for what price?

Im after cover for my car not just third party track day insurance

any help/advice much appreciated!


Carlos

[Cat7SuperLight]

I used Moris Insurance when I did a day at Brands Hatch you can get a quote online very easy to do.

[dxb335d]

any links mate?

[jleroux]

Richard Egger Insurance (http://www.richardeggerinsurance.co.uk) - I'd never use anyone else :-)

Jonny
BaT

[dxb335d]

Thanks!

[Noger]

jleroux said:

Richard Egger Insurance (http://www.richardeggerinsurance.co.uk) - I'd never use anyone else :-)

Jonny
BaT

Much to Towergate's annoyance

[dxb335d]

what do you mean by that?


Also, how much am i roughly looking at?

[dxb335d]

Cat7SuperLight said:

I used Moris Insurance when I did a day at Brands Hatch you can get a quote online very easy to do.

whats there web address?

[agent006]

http://www.moris.co.uk/

[dxb335d]

Morris website is a problem. Cant get it to work. Spoke to them and unfortunately they need an online form.
Tried egger. Who else is there?

[mmm-five]

dxb335d said:

Morris website is a problem. Cant get it to work. Spoke to them and unfortunately they need an online form.
Tried egger. Who else is there?

Had no problem with it a couple of days ago - got cover for the 'Ring for my M5 for about £65 a day (admittedly only for £7k of cover though).

[dxb335d]

mmm-five said:

dxb335d said:

Morris website is a problem. Cant get it to work. Spoke to them and unfortunately they need an online form.
Tried egger. Who else is there?

Had no problem with it a couple of days ago - got cover for the 'Ring for my M5 for about £65 a day (admittedly only for £7k of cover though).

regarding ring cover. As the ring isnt a trackday what do they class it as?

Does your ''road policy'' specifically exclude the ring! I am going very shortly and would like to sort out cover.

[kriss]

Quoted for my Bike Engined Kit car

MORIS - £70 £1500 excess
Egghead - £88 10% car value excess

Anyone know anyone else, would like to compare three companies naturally.

[mmm-five]

dxb335d said:

mmm-five said:

dxb335d said:

Morris website is a problem. Cant get it to work. Spoke to them and unfortunately they need an online form.
Tried egger. Who else is there?

Had no problem with it a couple of days ago - got cover for the 'Ring for my M5 for about £65 a day (admittedly only for £7k of cover though).

regarding ring cover. As the ring isnt a trackday what do they class it as?

I phoned them specifically to ask and they said they just class them all as trackdays.

dxb335d said:

Does your ''road policy'' specifically exclude the ring! I am going very shortly and would like to sort out cover.

I've read my policy front to back and there is no mention/exclusion for any track day and thus there is no specific mention of the 'Ring or 'derestricted toll road' or 'road used as a race track' at all.

[m12_nathan]

if you are going to the 'ring you are legally obliged to have 3rd party cover, trackday cover doesn't cover 3rd parties...

[tertius]

mmm-five said:

dxb335d said:

mmm-five said:

dxb335d said:

Morris website is a problem. Cant get it to work. Spoke to them and unfortunately they need an online form.
Tried egger. Who else is there?

Had no problem with it a couple of days ago - got cover for the 'Ring for my M5 for about £65 a day (admittedly only for £7k of cover though).

regarding ring cover. As the ring isnt a trackday what do they class it as?

I phoned them specifically to ask and they said they just class them all as trackdays.

dxb335d said:

Does your ''road policy'' specifically exclude the ring! I am going very shortly and would like to sort out cover.

I've read my policy front to back and there is no mention/exclusion for any track day and thus there is no specific mention of the 'Ring or 'derestricted toll road' or 'road used as a race track' at all.

I don't understand what you needed cover from Moris for then?

What were the terms (broadly) of the cover you bought?

[mmm-five]

tertius said:

What were the terms (broadly) of the cover you bought?

There's a couple of reasons...

1) Because we all know what insurance companies can be like and I don't fancy spending thousands fighting the industry.

2) If I have to make a claim on the track day cover it will not affect my road NCB - and it will also fund me to the value of repairs rather than it being written off as 'uneconomical to repair' by a normal insurer.

3) I was in the process of renewing my road insurance and couldn't be sure of what the policy exclusions would be until I'd read them in detail. I'm covered either way, but one will be much easier to claim against than the other and I'm still covered fully comp for driving in Europe.

[tertius]

mmm-five said:

tertius said:

What were the terms (broadly) of the cover you bought?

There's a couple of reasons...

1) Because we all know what insurance companies can be like and I don't fancy spending thousands fighting the industry.

2) If I have to make a claim on the track day cover it will not affect my road NCB - and it will also fund me to the value of repairs rather than it being written off as 'uneconomical to repair' by a normal insurer.

3) I was in the process of renewing my road insurance and couldn't be sure of what the policy exclusions would be until I'd read them in detail. I'm covered either way, but one will be much easier to claim against than the other and I'm still covered fully comp for driving in Europe.

Well, I'm impressed and rather surprised that they told you their track day cover was suitable for driving the Nordschleife on a TF day (which I'm assuming it was). Also as m12_nathan points out above track day cover isn't actually sufficient for the NS on a public day as it excludes the legal minimum of 3rd party cover. Of course if it was a trackday on the NS then no problem.

I suspect you might have got a different answer had you made a claim.

[mrmr96]

I'm with Elephant for road insurance. I read their policy book and it excluded things like "racing, time or speed tests, Nurburgring Nordschlefe". But it didn't specifically exclude Trackdays.

So I phoned them to confirm (not taking any chances) and I pointed out that trackdays were not Explicitly excluded. The guy on the phone said "If it's not on the list of exclustions, then it's not excluded". I didn't record the phone call and although I had the guys name and dept I didn't trust that they would actually pay out.

So I wrote to them to get them to confirm Explicitly that trackdays were not excluded. A couple of letters were exchanged and they told me that track days were EXcluded. Meh. So much for the guy on the phone. I knew I was right not to trust him, cos you can bet it's not his descision whether to pay out or not! Funny how things change when you ask for them in writing and people actually have to bother to find out the real answer.

Anyway, the upshot is that they are not covered and Elephant policy booklets now specifically exclude trackdays too. Don't know whether it was me that prompted that or not, but it's on my new policy doc and wasn't on my old one.

So I buy track cover from Competition Car Insurance, a trading name of Towergate.
http://www.competition-car-insurance.co.uk/contact...

[mmm-five]

tertius said:

mmm-five said:

tertius said:

What were the terms (broadly) of the cover you bought?

There's a couple of reasons...

1) Because we all know what insurance companies can be like and I don't fancy spending thousands fighting the industry.

2) If I have to make a claim on the track day cover it will not affect my road NCB - and it will also fund me to the value of repairs rather than it being written off as 'uneconomical to repair' by a normal insurer.

3) I was in the process of renewing my road insurance and couldn't be sure of what the policy exclusions would be until I'd read them in detail. I'm covered either way, but one will be much easier to claim against than the other and I'm still covered fully comp for driving in Europe.

Well, I'm impressed and rather surprised that they told you their track day cover was suitable for driving the Nordschleife on a TF day (which I'm assuming it was). Also as m12_nathan points out above track day cover isn't actually sufficient for the NS on a public day as it excludes the legal minimum of 3rd party cover. Of course if it was a trackday on the NS then no problem.

I suspect you might have got a different answer had you made a claim.

But my road insurance covers the 3rd party aspect. They cannot refuse to honour it - although they can sue you at a later date for what they see as uninsured losses.

I've never had to claim on track day insurance, but I bet the moment I don't get covered I'll be involved in an incident - whether my fault or a 3rd party's.