Track day insurance
Discussion
Want to take the Elise to a track day this Sunday at Cadwell (see other post) but the only insurance quote that has come back is for £190 for the day with an excess of £1800!
Anyone know a better value insurer? This quote is from Competition Car Insurance of Nottingham.
Their insurance cover is more expensive than the track fee!!
Anyone know a better value insurer? This quote is from Competition Car Insurance of Nottingham.
Their insurance cover is more expensive than the track fee!!
Whats the general concensus on here - is it better to spend the money on the cover (hadnt budgetted for thie much to be honest, makes the whole idea quite expensive) or would I be just as well taking my chances and not bothering...?
General opinions please, won't hold anyone to their comments!
General opinions please, won't hold anyone to their comments!
S Works said:
It's Cadwell. It's going to be cold. Probably slippery. If you hit something, it's going to cost you thousands. If something hits you, it could potentially cost you thousands.
£190 starts sounding a bit of a bargain really doesn't it?
Is Cadwell notorious for being challenging then?£190 starts sounding a bit of a bargain really doesn't it?
Bearing in mind i've done the 'Ring without any problems this year already and was commended this Sat for my excellent car control in a Caterham at Mallory Park.
Mate, I'm not pre-judging you as a driver at all. If you don't know much about it, you may find this an interesting read...
http://www.lotus-on-track.com/circuit_guide/cadwel...
As for challenging? Yes, I think it's regarded as one of the tracks in the UK where you'll not want to be making mistakes if at all possible, especially if it's cold and wet.
If you can afford to write the car off, or have someone accidentally write it off for you by crashing into you, then go for it. Take the chance. If not, £190 seems not unreasonable to me.
It ain't cheap, but then trackdays generally aren't if you add up the 'real' costs of doing them. Insurance is one.
http://www.lotus-on-track.com/circuit_guide/cadwel...
As for challenging? Yes, I think it's regarded as one of the tracks in the UK where you'll not want to be making mistakes if at all possible, especially if it's cold and wet.
If you can afford to write the car off, or have someone accidentally write it off for you by crashing into you, then go for it. Take the chance. If not, £190 seems not unreasonable to me.
It ain't cheap, but then trackdays generally aren't if you add up the 'real' costs of doing them. Insurance is one.
Zebede29 said:
...£190 for the day with an excess of £1800!
...quote is from Competition Car Insurance of Nottingham.
...quote is from Competition Car Insurance of Nottingham.
Competition Car Insurance provide my road risk cover on a car of similar value, much higher performance and much less easy to repair than the Elise for <£400 per year including 4 free track days!
Obviously the moral is to find a road-risk policy that includes track days, rather than buying it separately as an extra?
Mallory is a piece of piss compared to Cadwell - if it's dry and you're not driving around with the instructors praise ringing in your ears you'll probably be fine. If it's wet, be careful and if it's just damp be even more careful.
On the insurance front Heritage are OK but they will only cover you for unlimited 'club track days' e.g. Lotus on Track. If you want to do a day with, say, Book-a-Track it'll cost you about £60-£80 IIRC. CCI will cover you for four UK days per year with any of a long list of TDOs including LoT so worth thinking about what type of track activity you'll be doing before deciding. FWIW I think CCI are a great company, very helpful whereas Heritage are great at taking your money (they shafted me when I changed cars).
On the insurance front Heritage are OK but they will only cover you for unlimited 'club track days' e.g. Lotus on Track. If you want to do a day with, say, Book-a-Track it'll cost you about £60-£80 IIRC. CCI will cover you for four UK days per year with any of a long list of TDOs including LoT so worth thinking about what type of track activity you'll be doing before deciding. FWIW I think CCI are a great company, very helpful whereas Heritage are great at taking your money (they shafted me when I changed cars).
Cuzza said:
Mallory is a piece of piss compared to Cadwell - if it's dry and you're not driving around with the instructors praise ringing in your ears you'll probably be fine. If it's wet, be careful and if it's just damp be even more careful.
On the insurance front Heritage are OK but they will only cover you for unlimited 'club track days' e.g. Lotus on Track. If you want to do a day with, say, Book-a-Track it'll cost you about £60-£80 IIRC. CCI will cover you for four UK days per year with any of a long list of TDOs including LoT so worth thinking about what type of track activity you'll be doing before deciding. FWIW I think CCI are a great company, very helpful whereas Heritage are great at taking your money (they shafted me when I changed cars).
thanks for the info, i'm still unsure whether to do the track day as it was very cold and freezing fog this morning which has put me off a bit.On the insurance front Heritage are OK but they will only cover you for unlimited 'club track days' e.g. Lotus on Track. If you want to do a day with, say, Book-a-Track it'll cost you about £60-£80 IIRC. CCI will cover you for four UK days per year with any of a long list of TDOs including LoT so worth thinking about what type of track activity you'll be doing before deciding. FWIW I think CCI are a great company, very helpful whereas Heritage are great at taking your money (they shafted me when I changed cars).
If I do go, it will be WITH insurance!
Sam_68 said:
Obviously the moral is to find a road-risk policy that includes track days, rather than buying it separately as an extra?
Very much so.Cuzza said:
Mallory is a piece of piss compared to Cadwell - if it's dry and you're not driving around with the instructors praise ringing in your ears you'll probably be fine. If it's wet, be careful and if it's just damp be even more careful.
On the insurance front Heritage are OK but they will only cover you for unlimited 'club track days' e.g. Lotus on Track. If you want to do a day with, say, Book-a-Track it'll cost you about £60-£80 IIRC. CCI will cover you for four UK days per year with any of a long list of TDOs including LoT so worth thinking about what type of track activity you'll be doing before deciding. FWIW I think CCI are a great company, very helpful whereas Heritage are great at taking your money (they shafted me when I changed cars).
Good point On the insurance front Heritage are OK but they will only cover you for unlimited 'club track days' e.g. Lotus on Track. If you want to do a day with, say, Book-a-Track it'll cost you about £60-£80 IIRC. CCI will cover you for four UK days per year with any of a long list of TDOs including LoT so worth thinking about what type of track activity you'll be doing before deciding. FWIW I think CCI are a great company, very helpful whereas Heritage are great at taking your money (they shafted me when I changed cars).
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