Track Day Insurance for AMV12S
Discussion
HDPete said:
Who do you folks use for track day cover? I’m not doing more than 2-3 laps in my car and so far I’ve been quoted £775 for 100 miles with £7500 excess on a value of £185k - crazy!
You're lucky. I thought the normal price was 1% of the gross value and with at least £10k excess. Options - take the risk, hire a car, buy a cheaper car for track days, or pay up.That excess is actually very low - often it's 10% of value
Track insurance is completely different to road insurance. There is no such thing as fault and you are never liable for damage to someone else (car or person), just your own car and damage to the track itself
Owners of more expensive machinery tend to go on more expensive trackdays, which means fewer cars on track, more valuable cars on track and in turn, people who take care of them more and are less likely to be involved in an accident
It won't ever be worth buying insurance for a 2-3 lap session in your own £100k+ value car car
It's also why so many people run a separate, relatively cheap track car.
Track insurance is completely different to road insurance. There is no such thing as fault and you are never liable for damage to someone else (car or person), just your own car and damage to the track itself
Owners of more expensive machinery tend to go on more expensive trackdays, which means fewer cars on track, more valuable cars on track and in turn, people who take care of them more and are less likely to be involved in an accident
It won't ever be worth buying insurance for a 2-3 lap session in your own £100k+ value car car
It's also why so many people run a separate, relatively cheap track car.
If you think about it, driving your car on the track with a limited number of other cars around you is actually a lot safer than driving on the public roads. Admittedly you go a bit faster but it is in a controlled environment. As Jonby is saying, the track insurance actually only covers damage to the track and your own car. Drivers are responsible for their own makings on track.
Initially (non-competitive) track driving was a part of my insurance but when they took it away I haven't bothered to seeking an alternative.
Initially (non-competitive) track driving was a part of my insurance but when they took it away I haven't bothered to seeking an alternative.
waremark said:
hornbaek said:
If you think about it, driving your car on the track with a limited number of other cars around you is actually a lot safer than driving on the public roads. Admittedly you go a bit faster but it is in a controlled environment.
I suspect that is not what the stats say.Gassing Station | Aston Martin | Top of Page | What's New | My Stuff