Possible threat to track days.
Discussion
What the court ruled was that mandatory motor insurance must cover any motor vehicle in its normal use, in any location. Legal guys are already picking apart the "any location" part of the ruling. I'm sure "normal use" needs many levels of clarification before the ruling is not a clusterf
k as well.
Ignoring the fact that this will be overly parsed before becoming actual law, the ruling as is would mean that insurance would not be able to exclude things like trackdays from your private insurance policy. Seems to me that would be "normal use" wouldn't it? Everyone's policy will go up a few cents to cover that very small number of people that do run their cars on the track, as well as going up a small bit to cover other uses of a vechicle, such as being used on a farm (likely a bigger risk then trackdays actually & the reason this rule exists in the first place). So, everyone's policy will go up a small amount, in exchange, guys like Vnuk won't be told to ps off when they are run over by a trailer on a farm.
At the pointy end of motorsports, there is probably little risk (in the short term at least) as *someone* will sell them insurance. After all, they already have insurance of various forms that are pretty well designed around their business, so someone out there will find a way to accept more money from them.
Pure grassroots motorsports though? That will be tough. I doubt too many people are actually willing to pre-pay for the potential consequences they might cause to others (AKA insurance). One possible outcome is that grassroots dies, eventually taking down the top end as there's nothing to bring up the talent. Another possible outcome is grassroots finds a loophole, such as requiring all cars to be street legal, so that they can be covered by a standard road car policy. However, the most likely outcome is that someone gets creative & produces an insurance policy that meets the letter of the law, but is otherwise utterly useless.
Then again, the absolutely most likely outcome here is that the "any location" bit gets picked apart & becomes any location that has open access. So, put up some signs, require registration or payment or membership to get within the gates & suddenly no insurance needed.
k as well.Ignoring the fact that this will be overly parsed before becoming actual law, the ruling as is would mean that insurance would not be able to exclude things like trackdays from your private insurance policy. Seems to me that would be "normal use" wouldn't it? Everyone's policy will go up a few cents to cover that very small number of people that do run their cars on the track, as well as going up a small bit to cover other uses of a vechicle, such as being used on a farm (likely a bigger risk then trackdays actually & the reason this rule exists in the first place). So, everyone's policy will go up a small amount, in exchange, guys like Vnuk won't be told to p
s off when they are run over by a trailer on a farm.At the pointy end of motorsports, there is probably little risk (in the short term at least) as *someone* will sell them insurance. After all, they already have insurance of various forms that are pretty well designed around their business, so someone out there will find a way to accept more money from them.
Pure grassroots motorsports though? That will be tough. I doubt too many people are actually willing to pre-pay for the potential consequences they might cause to others (AKA insurance). One possible outcome is that grassroots dies, eventually taking down the top end as there's nothing to bring up the talent. Another possible outcome is grassroots finds a loophole, such as requiring all cars to be street legal, so that they can be covered by a standard road car policy. However, the most likely outcome is that someone gets creative & produces an insurance policy that meets the letter of the law, but is otherwise utterly useless.
Then again, the absolutely most likely outcome here is that the "any location" bit gets picked apart & becomes any location that has open access. So, put up some signs, require registration or payment or membership to get within the gates & suddenly no insurance needed.
ganzdachhaus said:
Everyone's policy will go up a few cents to cover that very small number of people that do run their cars on the track, as well as going up a small bit to cover other uses of a vechicle, such as being used on a farm (likely a bigger risk then trackdays actually & the reason this rule exists in the first place). So, everyone's policy will go up a small amount, in exchange, guys like Vnuk won't be told to ps off when they are run over by a trailer on a farm.
I know some insurance policies include trackdays free. Mine don't, but it seems per trackday quote is around £80 on a car with a £12000 value. s off when they are run over by a trailer on a farm.xjay1337 said:
ganzdachhaus said:
Everyone's policy will go up a few cents to cover that very small number of people that do run their cars on the track, as well as going up a small bit to cover other uses of a vechicle, such as being used on a farm (likely a bigger risk then trackdays actually & the reason this rule exists in the first place). So, everyone's policy will go up a small amount, in exchange, guys like Vnuk won't be told to ps off when they are run over by a trailer on a farm.
I know some insurance policies include trackdays free. Mine don't, but it seems per trackday quote is around £80 on a car with a £12000 value. s off when they are run over by a trailer on a farm.QBee said:
xjay1337 said:
ganzdachhaus said:
Everyone's policy will go up a few cents to cover that very small number of people that do run their cars on the track, as well as going up a small bit to cover other uses of a vechicle, such as being used on a farm (likely a bigger risk then trackdays actually & the reason this rule exists in the first place). So, everyone's policy will go up a small amount, in exchange, guys like Vnuk won't be told to ps off when they are run over by a trailer on a farm.
I know some insurance policies include trackdays free. Mine don't, but it seems per trackday quote is around £80 on a car with a £12000 value. s off when they are run over by a trailer on a farm.My point rather being that I suspect it would be quite a bit more than a "few cents" should it actually happen (which I don't think it would).
xjay1337 said:
I'm not sure - It wouldn't surprise me at all if that was the case.
My point rather being that I suspect it would be quite a bit more than a "few cents" should it actually happen (which I don't think it would).
It wouldn't be £80 per policy though - it would be £80 total spread out over you + all your nearest friends & neighbors that will never step foot near a track.My point rather being that I suspect it would be quite a bit more than a "few cents" should it actually happen (which I don't think it would).
On the flip side, you'll be paying to subsidize whatever their favorite car fetish might be.
ganzdachhaus said:
It wouldn't be £80 per policy though - it would be £80 total spread out over you + all your nearest friends & neighbors that will never step foot near a track.
On the flip side, you'll be paying to subsidize whatever their favorite car fetish might be.
..if insurers offer cover.On the flip side, you'll be paying to subsidize whatever their favorite car fetish might be.
gtsralph said:
..if insurers offer cover.
So they will stop covering everybody that drives a car on the road? You guys really need to find a summary of what the court decided & read it.Non-road going vehicles that normally are not insured will be in trouble here, but for standard road-going cars that already are required to have insurance, it will only mean that the insurance company can not make arbitrary exceptions in the policy.
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