How much to repair bodyshell (trackday insurance)?

[carl_w]

I'm thinking of taking out trackday insurance to cover my Cerb while on track, which I bought for about £20k. However, the cost for £11k's worth of cover is substantially less than for £20k's worth of cover.

Excess is around £2k, and engine and gearbox aren't covered. So, worst case, if I completely wrecked it how much would it cost to have it re-shelled? Does £11k cover it (actually only £9k's worth of cover, because of the excess)? I think the most likely damage scenario is a few panels' worth, e.g. a front, a rear, or a side.

What do the rest of you do? I'm not really prepared to go on track without some sort of insurance cover. It's specifically excluded from my DL policy.

[dannylt]

9k pays for a fair bit of fibreglass damage and paint, but isn't going to help if you really bend it. However, it's pretty rare to see write offs on track days - I've seen several TVRs with scraped paint from tyre walls, but only one doing a hard nose first impact.

You should be taking it easy and driving within your limits, on a safe track with lots of runoff you're unlikely to hit anything.

Plenty of people self insure - I do.

[shpub]

I'm with Sunninghill who will extend my normal road cover to organised track days. Only difference is a £1000 excess. A bit of encoragement to keep it on the black stuff.