Insuring £45k car for track use

[Beknown]

The cars I've tracked in the past have either been cheap enough to risk without insurance, or were easily insured for £20-30.

I want to do about 3-4 track days a year in my Cayman worth about £45k so I tried a few track insurance companies but they want £350 for a days insurance - its the same price even if I just do an evening session.

Is this the norm or am I doing something wrong?

[TheRainMaker]

Probably about right, I don't think I've done one track day when someone's not gone off at some point.

[AshBurrows]

Insure using competition cars and they include 5 days per year as part of their cover.

[TheRainMaker]

You could also try the owners club, they might have something set up.

[mmm-five]

Sounds about right, as they work out premiums at about 1.5% of car value/insured amount and with 10% excess (also insurable).

Doesn't matter whether it's a 5 minute session or a whole day, you are insuring a one-off event. If you write it off in the first 5 minutes of a 8 hour day, you're not going to write it off again that same day!

[nw942]

I used ClassicLine to insure my Cayman and I get 6 track days - additional days are £55 IIRC.

[mpit]

Manning, REIS, Henderson Taylor all do road policies that have inclusive track day cover.

[PGNSagaris]

Single day track insurance for a £40k car cost me £260 in March.

The figures you've got sound about right.

I insure my 911's currently with Locktons and they said they would cover track days subject to a good provider etc. They did the first few but then started telling me that the underwriters were no longer prepared to insure open pit lane trackdays. fking s. The main reason I went with them ahead of Mannings etc was the association with Porsche and track days.

Same car, same organiser, same track and from one month to the next, a big fat no to trackdays. And getting my money back is a waste of time because of the pro-rata returns.

Switching to Classline who insure my TVR. fk Locktons.

[kryten22uk]

PGNSagaris said:

Single day track insurance for a £40k car cost me £260 in March.

The figures you've got sound about right.

I insure my 911's currently with Locktons and they said they would cover track days subject to a good provider etc. They did the first few but then started telling me that the underwriters were no longer prepared to insure open pit lane trackdays. fking s. The main reason I went with them ahead of Mannings etc was the association with Porsche and track days.

Same car, same organiser, same track and from one month to the next, a big fat no to trackdays. And getting my money back is a waste of time because of the pro-rata returns.

Switching to Classline who insure my TVR. fk Locktons.

So, in summary, you'd recommend Locktons?

[PGNSagaris]

Fully