Yearly trackday insurance

[dxb335d]

I am thinking of going this route. I have done couple at Snetterton this year and one TF at the Nurburgring. To insure the value of my car for these 3 events has cost me £880.

Its good to have piece of mind and i couldnt track without it but its turning out to be expensive. I know thats part and parcel of track daying but considering i want to do some more this year and plenty next year is there a way of insuring at a lower cost?

any help much appreciated.

[Rusti Evo]

If you do a heap of trackdays try giving Emma a bell at Pace Ward. Bundling up the yearly insurance with the trackdays PW makes the best deal I've found.

www.pw-f.co.uk

[m12_nathan]

TF requires 3rd party insurance not just trackday cover.

[dxb335d]

m12_nathan said:

TF requires 3rd party insurance not just trackday cover.

So how does that work then when your road insurance company invalidates the place?

[m12_nathan]

it means that if you hit a high earning biker with a family you could find yourself paying a million quid a year for the rest of his life to keep him in care and his wife and kids in the lifestyle they would expect...

[dxb335d]

m12_nathan said:

it means that if you hit a high earning biker with a family you could find yourself paying a million quid a year for the rest of his life to keep him in care and his wife and kids in the lifestyle they would expect...

So applies to anyone at the ring then.

[m12_nathan]

only people who don't have 3rd party insurance.

PS. The German police will not be amused if you are in an accident and don't have 3rd party insurance...

The cost of writing off someone elses veyron is nothing compared to the potential costs from hurting someone.

Trackdays there are the way forward IMO as no 3rd party required.

[dxb335d]

m12_nathan said:

only people who don't have 3rd party insurance.

PS. The German police will not be amused if you are in an accident and don't have 3rd party insurance...

The cost of writing off someone elses veyron is nothing compared to the potential costs from hurting someone.

Trackdays there are the way forward IMO as no 3rd party required.

I actually insured my car for the TF i did. So presume that only covered my car and nothing else?

How often are there ''official'' trackdays around the ring mate?

[m12_nathan]

yeah, track insurance just covers your car.

Pretty often, pistenclub.de, rma, RSR + a few more all have private trackdays there, you can also then use the full main straight which is fun

[shim]

Herts Insurance do a Chaucer based trackday cover fully inclusive of Uk trackdays (check list though)

Pace Ward do inclusive packages or add on track days

Comp Car Ins do inclusive insuarance of 4 track days and after that around £75 per day

those are he ones i have tried recently

[bromers2]

m12_nathan said:

Trackdays there are the way forward IMO as no 3rd party required.

Interesting - I wonder whether the day will come that you need 3rd party insurance on a UK track ???

I know you sign any rights away when you sign up but I can imagine someone trying to sue over an accident if it wasn't their fault.

[agent006]

bromers2 said:

Interesting - I wonder whether the day will come that you need 3rd party insurance on a UK track ???

I know you sign any rights away when you sign up but I can imagine someone trying to sue over an accident if it wasn't their fault.

I think that circuits would resist it strongly as it would set a precedent that could then apply to race events.

Edited by agent006 on Tuesday 16th September 21:34

[bromers2]

If (and it's a massive IF) you could prove someone ran into you delibrately and damaged your car would that make any difference ?

[DiscoColin]

bromers2 said:

If (and it's a massive IF) you could prove someone ran into you delibrately and damaged your car would that make any difference ?

From an insurance perspective i would say no, as that is what the disclaimer is for. However, if you can really prove it then I would think that there could potentially be an attempted vandalism/criminal damage/GBH/murder case to answer and you could possibly sue for damages (at your legal expense, which would be somewhat risky, but possible).

...Is there a (decent) lawyer in the house?

[tony.t]

My opinion

Trackdays are covered by your normal insurance.

Push comes to shove and you seriously injure someone and there's a big claim it'll come under normal cover - your certificate of insurance doesn't exclude such events. however your policy does.

Point being your insurance company will always try and claim any money a third party claims from you via policy wording but will be obliged to pay out in the first place. it means the third party will get there compensation if you can't afford the expense. In a minor shunt then you're on your own. hence if you mention trackdays a lot of companies will refuse to quote.

[Noger]

DiscoColin said:

From an insurance perspective i would say no, as that is what the disclaimer is for. However, if you can really prove it then I would think that there could potentially be an attempted vandalism/criminal damage/GBH/murder case to answer and you could possibly sue for damages (at your legal expense, which would be somewhat risky, but possible).

Disclaimers are rarely worth the paper they are written on. There have been a couple of high profile motorsport claims where the driver had signed their rights away only for that to be discounted in court. Japanese racing driver. Name escapes me at the moment.

Closer to home, the Wattleworth vs Goodwood case had both disclaimer and the volenti defense thrown out. Ultimately there was no negligence, but it was interesting to note the defenses that were not available. Track day organisers will not want to ackowldge this, clearly.

Don't mix criminal with civil. As OJ Simpson proved, one does not follow the other every time

[dxb335d]

Noger said:

DiscoColin said:

From an insurance perspective i would say no, as that is what the disclaimer is for. However, if you can really prove it then I would think that there could potentially be an attempted vandalism/criminal damage/GBH/murder case to answer and you could possibly sue for damages (at your legal expense, which would be somewhat risky, but possible).

Disclaimers are rarely worth the paper they are written on. There have been a couple of high profile motorsport claims where the driver had signed their rights away only for that to be discounted in court. Japanese racing driver. Name escapes me at the moment.

Closer to home, the Wattleworth vs Goodwood case had both disclaimer and the volenti defense thrown out. Ultimately there was no negligence, but it was interesting to note the defenses that were not available. Track day organisers will not want to ackowldge this, clearly.

Don't mix criminal with civil. As OJ Simpson proved, one does not follow the other every time

Tetsuya Otya.


Aslo the comp ins people who 4 inclusive days. Is that on a road policy?

[Jez O]

I have a policy through Richard Egger insurance (with Chaucer) who provide trackday cover for your own car for £50 extra. It covers 4 trackdays provided they are booked through an approved list of organisers, that you give them notice of when you're doing it and with an XS of 10% of the vehicle's value. The policy is a normal road policy and you can choose to add the extra trackday cover on top.

[drjhill]

If you use HIC, make sure you know what you are getting. I had my renewal quote and rang to check a few details (modified suspension, increased road miles etc) but only when I got policy documents through noticed no mention of trackday cover.

Rang to ask why not. "free" trackday cover could be reinstated, for another £700 (so not free then). Wrote to complain, free trackday cover reinstated.

Expecting to be TTFO next year (or big premium) looking for alternatives

[dxb335d]

Jez O said:

I have a policy through Richard Egger insurance (with Chaucer) who provide trackday cover for your own car for £50 extra. It covers 4 trackdays provided they are booked through an approved list of organisers, that you give them notice of when you're doing it and with an XS of 10% of the vehicle's value. The policy is a normal road policy and you can choose to add the extra trackday cover on top.

Sounds good to me. How competative are they compared to household names. (tesco, churchill and the like etc)

drjhill said:

If you use HIC, make sure you know what you are getting. I had my renewal quote and rang to check a few details (modified suspension, increased road miles etc) but only when I got policy documents through noticed no mention of trackday cover.

Rang to ask why not. "free" trackday cover could be reinstated, for another £700 (so not free then). Wrote to complain, free trackday cover reinstated.

Expecting to be TTFO next year (or big premium) looking for alternatives

HIC offer free trackday insurance? for a whole year? sounds even better.