Insurance for track laps
Discussion
I've never bothered. It's not a track day, it's supposed to be a convoy around the circuit.
Having said that, I maxed the Elise on the Mulsanne and know others were travelling faster
The driving is 'interesting' often described as wacky racers, so I wouldn't and hanven't ever worried... Unless of course you are an awful driver and cannot remember where the circuit goes with a magnetism for gravel traps or armco.. but then if that's the case, I wouldn't bother doing them
Having said that, I maxed the Elise on the Mulsanne and know others were travelling faster
The driving is 'interesting' often described as wacky racers, so I wouldn't and hanven't ever worried... Unless of course you are an awful driver and cannot remember where the circuit goes with a magnetism for gravel traps or armco.. but then if that's the case, I wouldn't bother doing them
Try these guys, I normally insure for trackdays and Nurburgring: https://www.hertsinsurance.com/trackdays.php
Either this company http://www.moris.co.uk/ or this one http://www.competition-car-insurance.co.uk/ have been used by our guys who couldn't get cover from their normal insurance, me included even though I have track days included 
It's not cheap, but guess it's how deep your pockets are or how much you value your car
It's not cheap, but guess it's how deep your pockets are or how much you value your car
In a road car it isn't a difficult track to drive as long as you stay within your personal limits. There are some bends that are unforgiving, like Tertre Rouge where there is only cold steel to greet you, but I've done it a number of times and no worries. Anyway, you are driving on a public road aren't you 
It may not be difficult to drive but it is crammed full of cars, is it something like 200 for the Saturday morning laps? Don't tell me there aren't going to be some who can resist a bit of Le Mans racing. Suggesting it's a normal road to an insurance company won't match with the police report which you need to obtain in case of accident will state different. Surely the car club or tour operator who has offered you these laps must have covered the insurance side? Bit remiss of them if not...?
Minor contact and possibly with just a minor injury, there would not be a police report. It is a closed road and therefore no traffic rules are likely to apply. Therefore no police involvement. Death or serious injury may be a different situation.
That may obviously lead to the question of why no police involvement and then declaring exactly what happened though.
Having a ding with the Armco, then limping off track to the nearest ditch or tree then reporting that as the accident (as happens at the ring) is a major no no. Jail time.
That may obviously lead to the question of why no police involvement and then declaring exactly what happened though.
Having a ding with the Armco, then limping off track to the nearest ditch or tree then reporting that as the accident (as happens at the ring) is a major no no. Jail time.
allojon said:
Surely the car club or tour operator who has offered you these laps must have covered the insurance side? Bit remiss of them if not...?
These laps are classed as parade laps and therefore it is up to the individual to make sure that their car is insured should God forbid anything happen. The only rule with the parade laps is that you can't overtake the pace car.Personally I would prefer to insure our pride and joy than take any risks. Just my opinion.
I imagine that whatever cover you find, it is only going to cover your dmage to your car and not what someone else might do. You also sign a waiver, I recall, to say that you accept al the risk and that you won't seek redress from any third party. You will be very lucky to win a claim against a third party in an English court too, as has been demonstrated in the past.
Just do it, drive sensibly and stay out of trouble - its just like driving on an ordinary road but a bit quicker and with no-one coming the other way.
Just do it, drive sensibly and stay out of trouble - its just like driving on an ordinary road but a bit quicker and with no-one coming the other way.
R-Racer said:
Competition Car Insurance are covering me for the Parade Laps. The Clock Is Ticking.........
Gave up trying to talk to those punters. Filled out a form tried calling, left messages. Nothing. Have a quote from MORIS it's £400. They won't return calls either.
Sod's Law is you get caught up in someone else's error and they haven't insurance so you end up having to go after them privately and seize assets etc. very messy.
DonkeyApple said:
Gave up trying to talk to those punters. Filled out a form tried calling, left messages. Nothing.
Have a quote from MORIS it's £400. They won't return calls either.
Sod's Law is you get caught up in someone else's error and they haven't insurance so you end up having to go after them privately and seize assets etc. very messy.
I think the advice above is best. I am in a 1978 Taimar, probably with my 14 yr old daughter so won't be setting any records anyway but it is the guy who thinks he's trying out for next years 24 hr that worries me.Have a quote from MORIS it's £400. They won't return calls either.
Sod's Law is you get caught up in someone else's error and they haven't insurance so you end up having to go after them privately and seize assets etc. very messy.
Anyway packing to do!
Hormone said:
I think the advice above is best. I am in a 1978 Taimar, probably with my 14 yr old daughter so won't be setting any records anyway but it is the guy who thinks he's trying out for next years 24 hr that worries me.
Anyway packing to do!
There's nearly always someone who seems to lose the plot a bit and on most occasions you can stay clear but basically you are insuring against that fluke occurance when you are involved. Anyway packing to do!
Proving liability is very expensive and the simple fact is that very few people have the assets once they are forced to cash everything in to even cover the legal side of your expense let alone the damage done in the first instance.
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