Do You Insure Your Car On Track?

[AOK]

Digga said:

In the past, when I was competing in sprints and hillclimbs I insured and had a claim, for about £10k and the insurer (Competiton Car Insurance) was fine to deal with and did not subsequently kill me with future insurance cover premiums.

Thanks for sharing. This is exactly what I was trying to find out... lots of chat about having / not having cover, but what actually happens if you have it and need to claim.

Thank you. Is CCI a subsidiary of Towergate?

[MOTK]

I recently put a quote request through cci and was contacted by footman James as a result. Specialist sports car policy.
Was about to go through with it then found that it would not cover 3Rd party Road driving on other vehicles.
Unfortunately at that point I had to end the conversation.

[AOK]

MOTK said:

I recently put a quote request through cci and was contacted by footman James as a result. Specialist sports car policy.
Was about to go through with it then found that it would not cover 3Rd party Road driving on other vehicles.
Unfortunately at that point I had to end the conversation.

That's not unusual for a specialist policy. Is it your only car, or perhaps you have another car with a more generic policy which would give you this desired cover (to drive other cars 3rd party only)?

I wouldn't want to drive anyone else's car with only 3rd party cover anyway, despite having it. Not my car to risk. For a few quid I'd prefer to buy a couple hours of cover through Cuvva and know that should the worst happen, the person who owns the car will be covered comprehensively without affecting their own policy or NCB.

[MOTK]

AOK said:

That's not unusual for a specialist policy. Is it your only car, or perhaps you have another car with a more generic policy which would give you this desired cover (to drive other cars 3rd party only)?

I wouldn't want to drive anyone else's car with only 3rd party cover anyway, despite having it. Not my car to risk. For a few quid I'd prefer to buy a couple hours of cover through Cuvva and know that should the worst happen, the person who owns the car will be covered comprehensively without affecting their own policy or NCB.

Thanks for the reference to cuvva, I wasn't aware such facilities exist. Indeed the car I'm referring to is my only car. Most of the time it lives in the country and I live in London, and more often than not I train/taxi between the two. Occasionally I nick my ma's or my gf's parents so you can see that at the minimum I need 3rd party cover. Like you I'm not particularly comfortable with that and as such my current insurer (flux) offers a 20k fully comp add on to my current insurance for £20/pa. Unfortunately this seems to be a very rare facility. The cuvva route now opens up a few more options for me so thanks for that again.

[AOK]

Sounds just right for you then. I'm not affiliated in anyway to them, but have used them since very early on and it's incredible how often it comes in handy.

Also, their user interface (and their iphone app in particular) is possibly one of the swishest I've ever experienced. I hope they go places and stir up the marketplace

[PGNSagaris]

Five years of track days and only once I went on a track uninsured. Last summer. Can't remember why but it just slipped my mind.

And you guessed it, I hit the wall at Silverstone causing significant damage to my car.

Bloody expensive mistake. There is no way I won't be insuring myself again.

I always tend to drive within myself but sometimes things happen that are outside our control and they happen VERY quickly.

[dfen5]

Thinking about doing a track day so this thread got me thinking; on uk track days are you covered by the track day fee for damage to the circuit, say Armco or whatever (not the 'ring)?

[Trabi601]

dfen5 said:

Thinking about doing a track day so this thread got me thinking; on uk track days are you covered by the track day fee for damage to the circuit, say Armco or whatever (not the 'ring)?

As I understand, damage to the circuit is covered by their (or the TDO's) insurance.

[Digga]

AOK said:

Digga said:

In the past, when I was competing in sprints and hillclimbs I insured and had a claim, for about £10k and the insurer (Competiton Car Insurance) was fine to deal with and did not subsequently kill me with future insurance cover premiums.

Thanks for sharing. This is exactly what I was trying to find out... lots of chat about having / not having cover, but what actually happens if you have it and need to claim.

Thank you. Is CCI a subsidiary of Towergate?

Was a while ago - over ten years - but IIRC it was, yes. Main thing, at any competitive event, is to ensure an official, preferably the clerk of the course, will sign to the effect that the incident did actually happen at the event, during Competiton. For their part, as a quid pro quo and to cover their own backside, the official will invariably insist you visit the medics for a brief check up.

[e21Mark]

Digga said:

AOK said:

Digga said:

In the past, when I was competing in sprints and hillclimbs I insured and had a claim, for about £10k and the insurer (Competiton Car Insurance) was fine to deal with and did not subsequently kill me with future insurance cover premiums.

Thanks for sharing. This is exactly what I was trying to find out... lots of chat about having / not having cover, but what actually happens if you have it and need to claim.

Thank you. Is CCI a subsidiary of Towergate?

Was a while ago - over ten years - but IIRC it was, yes. Main thing, at any competitive event, is to ensure an official, preferably the clerk of the course, will sign to the effect that the incident did actually happen at the event, during Competiton. For their part, as a quid pro quo and to cover their own backside, the official will invariably insist you visit the medics for a brief check up.

I've been with CCI for the past 5 years and had a recent claim, which they settled quickly and without any fuss. They are now underwritten by Aviva and despite claim, my premium hardly changed. I was initially disappointed about their not offering an agreed market value but they said they were confident in their 'market value' being accurate and I made a point of discussing this in emails, so there is some sort of evidence / record.