Track Insurance
Discussion
Just had my renewal through for the 911 GT3RS (991.1) Been using Classicline for a few years and its been perfect for both road & track cover, but just leant that they will no longer be offering cover on the GT3rs on track as part of the road policy. (Stated in my renewal letter) I spoke with Classcline and this is due to the insurer pulling this particular car from being covered on track. They will still cover the normal GT3 however. Anyone here with a RS using anyone else for track cover as part of their road policy?
Separate track cover is pretty steep from the quotes iv had anything from £600 - £1000 a day for cover.
Separate track cover is pretty steep from the quotes iv had anything from £600 - £1000 a day for cover.
+1 on A Plan Thatcham, who have just been renamed to Howdens Thatcham.
I don't know about the RS. But they have been very helpful with every insurance challenge I've thrown them. They used to have a great policy with Marker Study that included 5x track days a year, which was so popular it sold out. The policy on my sports car has just come down.
The only challenge they haven't been able to fix for me is cover for a non road legal race car when in garage/ being transported etc. They can cover a car that is laid up, but not one that is being used. Anyone know of a solution?
I don't know about the RS. But they have been very helpful with every insurance challenge I've thrown them. They used to have a great policy with Marker Study that included 5x track days a year, which was so popular it sold out. The policy on my sports car has just come down.
The only challenge they haven't been able to fix for me is cover for a non road legal race car when in garage/ being transported etc. They can cover a car that is laid up, but not one that is being used. Anyone know of a solution?
worldwidewebs said:
paddy1970 said:
These companies allegedly still provide free or optional cover: Manning UK, REIS Motorsport Insurance, Lockton Performance, A-Plan (Howden Performance Division).
Cheers. I'll give all those a call tomorrowSo far best quote I have had from anyone is 400 a day as a bolt on.
Will be giving all of the above a go tomorrow. Will report back with findings.
Moris are about £280 a day for a standalone track policy at a UK circuit that isn’t castle combe. European days are basically £500.
CL were happy recently to add a pair of European dates to my existing policy for their usual fee. I understand European coverage for existing policies depends on who is the underwriter behind your policy.
ERS will still extend cover to European dates and more than 6 UK for legacy policies. I understand for renewals or new business ERS will not cover trackdays at all.
Apparently CL are discussing with other underwriters if they can put together a track coverage option that’s closer to previous offer. But this will not be until later in the Summer if at all.
CL were happy recently to add a pair of European dates to my existing policy for their usual fee. I understand European coverage for existing policies depends on who is the underwriter behind your policy.
ERS will still extend cover to European dates and more than 6 UK for legacy policies. I understand for renewals or new business ERS will not cover trackdays at all.
Apparently CL are discussing with other underwriters if they can put together a track coverage option that’s closer to previous offer. But this will not be until later in the Summer if at all.
Just to confirm what others have said;
After getting confirmation from Classicline of the changes I tried looking into alternatives for my Exige 410.
One off track day cover from Moris / Insure my trackday type places was around £450 per day. That's a no go for me.
At Silverstone on 17th March a few fellow lotus owners said they had moved to Mannings and got a good quote with unlimited track days. This was initially looking very good with a competitive quote, until the broker called me back very apologetic and said that their underwriter was now also not covering track days. (Which makes sense, as I believe it may be the same underwriters that Classicline use?) Manning did also quote me for single day cover but it was still over £400 per day.
So I've ended up renewing with Classicline for this year. As stated previously, club days with Lotus On Track are included but any other days will be an extra £135.
I will have done 2 track days this year on my existing policy, so at least I can do a total of 8 track days this year.
However, if nothing else changes insurance wise by the end of the year then I may well have to say farewell to the Exige and get a cheaper track car for the future.
After getting confirmation from Classicline of the changes I tried looking into alternatives for my Exige 410.
One off track day cover from Moris / Insure my trackday type places was around £450 per day. That's a no go for me.
At Silverstone on 17th March a few fellow lotus owners said they had moved to Mannings and got a good quote with unlimited track days. This was initially looking very good with a competitive quote, until the broker called me back very apologetic and said that their underwriter was now also not covering track days. (Which makes sense, as I believe it may be the same underwriters that Classicline use?) Manning did also quote me for single day cover but it was still over £400 per day.
So I've ended up renewing with Classicline for this year. As stated previously, club days with Lotus On Track are included but any other days will be an extra £135.
I will have done 2 track days this year on my existing policy, so at least I can do a total of 8 track days this year.
However, if nothing else changes insurance wise by the end of the year then I may well have to say farewell to the Exige and get a cheaper track car for the future.
Paul_M3 said:
JSo I've ended up renewing with Classicline for this year. As stated previously, club days with Lotus On Track are included but any other days will be an extra £135.
I've just spoken with them and although club trackdays are free, they do form part of the total of 6 included days. So if you do more than 6 trackdays a year and want insurance you'll need a top-up from somewhere.I just spoke with Mannings and it's sounding like unless you know the dates of all your upcoming trackdays it will be on a one-by-one basis, which would be too expensive. They'll call me back next week so I'll know more then.
If I went with CL again I'd need to top up the 6 included days. Moris are quoting me (Alpine A110) £993 for 4 days or £1136 for 5 days. 2 years ago it was less than £110 for 9 days!
Edited by worldwidewebs on Friday 28th March 10:40
worldwidewebs said:
Paul_M3 said:
JSo I've ended up renewing with Classicline for this year. As stated previously, club days with Lotus On Track are included but any other days will be an extra £135.
I've just spoken with them and although club trackdays are free, they do form part of the total of 6 included days. So if you do more than 6 trackdays a year and want insurance you'll need a top-up from somewhere.I just spoke with Mannings and it's sounding like unless you know the dates of all your upcoming trackdays it will be on a one-by-one basis, which would be too expensive. They'll call me back next week so I'll know more then.
If I went with CL again I'd need to top up the 6 included days. Moris are quoting me (Alpine A110) £993 for 4 days or £1136 for 5 days. 2 years ago it was less than £110 for 9 days!
Edited by worldwidewebs on Friday 28th March 10:40
That's why this change could effectively end my ownership of the Exige unfortunately. I don't think 6 track days a year is enough for me.
Paul_M3 said:
Yeah, that's right. You're limited to 6 days in total regardless of who they are with. And due to the cost of individual cover, I'd struggle to justify paying it.
That's why this change could effectively end my ownership of the Exige unfortunately. I don't think 6 track days a year is enough for me.
This is where I’m at as well. Might have to get a Caterham which is no hardship at all but a bit more limited for other stuff. That's why this change could effectively end my ownership of the Exige unfortunately. I don't think 6 track days a year is enough for me.
Maybe I’m tight but I just don’t want to pay more for trackday insurance than the actual track day.
A-Plan are calling me back with what they can offer Monday. They seemed to think they might be able to do something so will see.
This is what I've been quoted so far for my Alpine A110 on top of the premium, which is broadly the same for all brokers:
Classicline
£96/day with a limit of 6 days
Locktons
£168/day with a limit of 2 days (also the highest premium by £400)
Howden Thatcham
£450 for 5 days, £900 for 10 days. Extra days can be bought in blocks of 5
Manning
Needs a separate track policy which can cover an individual day or a block of days. However, you must know the dates of the days when buying a block, so essentially useless for me as I often only book a week or two in advance. An individual day was in the £150-£350 range (likely nearer the top end)
Moris
£993 for 4 days
£1136 for 5 days
So based on the above I'm likely to go with Howdens although the insurer is Marker Study and I've heard mixed reviews about them
Classicline
£96/day with a limit of 6 days
Locktons
£168/day with a limit of 2 days (also the highest premium by £400)
Howden Thatcham
£450 for 5 days, £900 for 10 days. Extra days can be bought in blocks of 5
Manning
Needs a separate track policy which can cover an individual day or a block of days. However, you must know the dates of the days when buying a block, so essentially useless for me as I often only book a week or two in advance. An individual day was in the £150-£350 range (likely nearer the top end)
Moris
£993 for 4 days
£1136 for 5 days
So based on the above I'm likely to go with Howdens although the insurer is Marker Study and I've heard mixed reviews about them
worldwidewebs said:
This is what I've been quoted so far for my Alpine A110 on top of the premium, which is broadly the same for all brokers:
...
Howden Thatcham
£450 for 5 days, £900 for 10 days. Extra days can be bought in blocks of 5
'''
So based on the above I'm likely to go with Howdens although the insurer is Marker Study and I've heard mixed reviews about them
My Howden Thatcham policy includes 5 track days and is £430 total for my Caterham 310R. Are they not offering you their annual policy that includes track days?...
Howden Thatcham
£450 for 5 days, £900 for 10 days. Extra days can be bought in blocks of 5
'''
So based on the above I'm likely to go with Howdens although the insurer is Marker Study and I've heard mixed reviews about them
Gulf7 said:
My Howden Thatcham policy includes 5 track days and is £430 total for my Caterham 310R. Are they not offering you their annual policy that includes track days?
I was quoted £1405 including 5 trackdays. A block of 5 extra days is £450.I was quoted the following for the premium (track days on top):
Classicline £943
Locktons £1336
Manning UK £836
I have had much cheaper premiums quoted via the comparison sites (all mods declared) but by the time I add on 10 days from Moris (£1990) it's more expensive than the Howden Thatcham quote.
Edited by worldwidewebs on Friday 4th April 07:26
Hey guys,
Newbie here…
I know about insurance and track days, but I'm new to them being together!
So from my understanding, do you need to pay insurance for your own car when you take it any track day? And does that insurance include if something happens to you too or just the car?
And how about those track days where you get a car, I'm assuming the package of track and car the insurance is including as it's probably the track or the organiser's responsibility - or has anyone found it to be different? (Like when you go go karting, the venue is responsible for everything).
I'm really curious here because I'm actually working on motorsport project, and the thing which keeps coming up as a bit of a pain point / inconvenience is getting around the insurance thing.
Your insights would be super helpful to me so I can just understand a bit further.
You'll notice I've posted on the Track Days forum asking how people go about booking their sessions too.
Cheers, Sim.
Newbie here…
I know about insurance and track days, but I'm new to them being together!
So from my understanding, do you need to pay insurance for your own car when you take it any track day? And does that insurance include if something happens to you too or just the car?
And how about those track days where you get a car, I'm assuming the package of track and car the insurance is including as it's probably the track or the organiser's responsibility - or has anyone found it to be different? (Like when you go go karting, the venue is responsible for everything).
I'm really curious here because I'm actually working on motorsport project, and the thing which keeps coming up as a bit of a pain point / inconvenience is getting around the insurance thing.
Your insights would be super helpful to me so I can just understand a bit further.
You'll notice I've posted on the Track Days forum asking how people go about booking their sessions too.
Cheers, Sim.
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