Insurance that includes track days
Discussion
Just an FYI, but after trying 6 or 7 I gave up, because they wouldn't/couldn't do it for a car doing 25,000 miles a year with business use (it seemed the business use bit was the main sticking point).
I ended up taking the risk for the occasional UK track days, and used MORIS for the multi-day trips abroad. I think I pay about £200 for 3 days of Touristenfahrten for £15k of 1st party cover. Don't know how good the claims process is as I never had to claim (over 10 years now).
Be careful on the T&Cs of the inclusive insurance, as some have the track cover as an add-on policy which is a separate non-road policy so doesn't affect your road policy if you have a claim (i.e. doesn't need to be declared with another insurer at renewal) - others are simply underwitten as a single policy, so track claims will affect your premiums/renewals (might have changed now, but this is based on the info I was given about 5 years ago).
I ended up taking the risk for the occasional UK track days, and used MORIS for the multi-day trips abroad. I think I pay about £200 for 3 days of Touristenfahrten for £15k of 1st party cover. Don't know how good the claims process is as I never had to claim (over 10 years now).
Be careful on the T&Cs of the inclusive insurance, as some have the track cover as an add-on policy which is a separate non-road policy so doesn't affect your road policy if you have a claim (i.e. doesn't need to be declared with another insurer at renewal) - others are simply underwitten as a single policy, so track claims will affect your premiums/renewals (might have changed now, but this is based on the info I was given about 5 years ago).
Edited by mmm-five on Tuesday 21st April 09:46
Another ManningUK customer here. Unlimited UK track days included so long as they're organised by ATDO / RMA. European track days are £250 add Ons but covers Nordschleife track days.
It was sad to see a PHer in another thread roll their AMG GTR at the 'ring on a track day but reassuring to hear ManningUK paid out quickly and efficiently.
It was sad to see a PHer in another thread roll their AMG GTR at the 'ring on a track day but reassuring to hear ManningUK paid out quickly and efficiently.
SlowAndDull said:
I use REIS - 5 or 6 included, I forget which.
Their service is professional and friendly, price is competitive.
This, I use Reis Motorsport, really helpful on the phone when informing them of track days. Yearly insurance for Lotus Elise 41yr old with 6 track days included = £350.Their service is professional and friendly, price is competitive.
I normally use Moris for my track insurance. Has no impact on your road policy if you need to claim for your track incident.
I had a big crash last year and they replaced my Exige 410 with a brand new one within 6 weeks. Obviously you have an excess to pay, but where you might pay more for your policy at Moris, you pay less excess.
I informed LV of the car replacement and the reason behind it and they said they didn't need to amend anything. Private policy on private land with Moris so its of no interest to your highways policy.
Reis have covered me for a couple of dates too. Excellent company but a much higher excess. As with all the companies, your premium and excess depends on what your cover value is.
I had a big crash last year and they replaced my Exige 410 with a brand new one within 6 weeks. Obviously you have an excess to pay, but where you might pay more for your policy at Moris, you pay less excess.
I informed LV of the car replacement and the reason behind it and they said they didn't need to amend anything. Private policy on private land with Moris so its of no interest to your highways policy.
Reis have covered me for a couple of dates too. Excellent company but a much higher excess. As with all the companies, your premium and excess depends on what your cover value is.
These are very good points and everyone should take note regarding the difference between all inclusive policies and track day only.
I too have heard that if your policy includes track days as an add on to a road policy, any track day claim will have to be declared to all insurers who have road policies where you are insured. The comments above suggest this is not so if you have separate track day insurance, and this makes sense to me.
Currently my TVR is off the road for an engine rebuild, so i let the insurance lapse, but it was an all inclusive policy with Classic Line. So far in seven years of track days I have never had to claim, but how long can that luck last when you are giving 400 bhp in 1 tonne of rear wheel drive car with no driver aids the beans?
So when I insure the car again I will be taking out separate policies and using the good references given above - thanks guys
I too have heard that if your policy includes track days as an add on to a road policy, any track day claim will have to be declared to all insurers who have road policies where you are insured. The comments above suggest this is not so if you have separate track day insurance, and this makes sense to me.
Currently my TVR is off the road for an engine rebuild, so i let the insurance lapse, but it was an all inclusive policy with Classic Line. So far in seven years of track days I have never had to claim, but how long can that luck last when you are giving 400 bhp in 1 tonne of rear wheel drive car with no driver aids the beans?
So when I insure the car again I will be taking out separate policies and using the good references given above - thanks guys
It's worth remembering that separate track day cover will cost over £100 per track day, wheras you can get 5 or 6 included for hardly any increase in yearly premium by going with one of the companies mentioned above. I think if you do track days with a reputable club that has sensible rules you're unlikely to need to claim, but at the end of the day you have to do what you're comfortable with.
QBee said:
These are very good points and everyone should take note regarding the difference between all inclusive policies and track day only.
I too have heard that if your policy includes track days as an add on to a road policy, any track day claim will have to be declared to all insurers who have road policies where you are insured. The comments above suggest this is not so if you have separate track day insurance, and this makes sense to me.
Currently my TVR is off the road for an engine rebuild, so i let the insurance lapse, but it was an all inclusive policy with Classic Line. So far in seven years of track days I have never had to claim, but how long can that luck last when you are giving 400 bhp in 1 tonne of rear wheel drive car with no driver aids the beans?
So when I insure the car again I will be taking out separate policies and using the good references given above - thanks guys
That's all well and good but the price difference could be quite painful.I too have heard that if your policy includes track days as an add on to a road policy, any track day claim will have to be declared to all insurers who have road policies where you are insured. The comments above suggest this is not so if you have separate track day insurance, and this makes sense to me.
Currently my TVR is off the road for an engine rebuild, so i let the insurance lapse, but it was an all inclusive policy with Classic Line. So far in seven years of track days I have never had to claim, but how long can that luck last when you are giving 400 bhp in 1 tonne of rear wheel drive car with no driver aids the beans?
So when I insure the car again I will be taking out separate policies and using the good references given above - thanks guys
ManningUK include unlimited trackdays on my Exige policy - which I pay around £400/year in. Moris wanted £250 for a SINGLE trackday standalone. If doing 5-6 trackdays per year it would very soon make sense to just stick with the inclusive one and deal with the road premiums if/when the worst is to happen.
AFlux said they don't do track day cover on insurance policies when I asked?
Even if you did claim the resulting impact of an existing claim isn't that dramatic...
I have gone with Manning, the only problem I've found is their refusal to consider anyone not on ATDO. For example MSE at Castle Combe is covered. A CC track day run by themselves isn't covered as not atdo.
SlipnGrip aren't ATDO, and I'm not sure if they can't get ATDO (as it seems mostly dead/no updates) or they don't want to for some reason.
ReIs have a good but specific list but was fixed 6-7? days that I was planning to exceed before the first two dates were cancelled this year
Even if you did claim the resulting impact of an existing claim isn't that dramatic...
I have gone with Manning, the only problem I've found is their refusal to consider anyone not on ATDO. For example MSE at Castle Combe is covered. A CC track day run by themselves isn't covered as not atdo.
SlipnGrip aren't ATDO, and I'm not sure if they can't get ATDO (as it seems mostly dead/no updates) or they don't want to for some reason.
ReIs have a good but specific list but was fixed 6-7? days that I was planning to exceed before the first two dates were cancelled this year
Gulf7 said:
meatballs said:
AFlux said they don't do track day cover on insurance policies when I asked?
That's very odd, because the absolutely do. Track events is a specific endorsement on my policy with them.Edited by Gulf7 on Friday 1st May 11:51
They may possibly not be able to get you/your car covered inclusively but they do, do such policies as I have just turned down mine for this year as I am unlikely to do any this year, so am just doing road cover this year.
There may also be a specific requirement for the policy to be a restricted mileage policy.
Most of the track day inclusive policies I have found have been for classic cars or performance cars, and are mostly limited mileage policies.
Classic Line are my insurer 01455 639000.
Mannings re I believe another
Footman James are another favoured by TVR owners - very good value for a low annual mileage policy on a standard car, with TVR Car Club membership discount.
So anyone owning a Lotus, TVR or Caterham, or similar, or any classic car, it can be worth calling them rather trying to do it online, and mentioning the club membership.
My club membership is around £50 a year, my insurance us about £75 cheaper for having it, and I get all the benefits of membership too.
Classic Line are my insurer 01455 639000.
Mannings re I believe another
Footman James are another favoured by TVR owners - very good value for a low annual mileage policy on a standard car, with TVR Car Club membership discount.
So anyone owning a Lotus, TVR or Caterham, or similar, or any classic car, it can be worth calling them rather trying to do it online, and mentioning the club membership.
My club membership is around £50 a year, my insurance us about £75 cheaper for having it, and I get all the benefits of membership too.
At the end of the day the decision needs to be based on the value of your car vs what you're prepared to lose. People saying that standalone policies from the likes of Reis or Moris are too expensive, that's great...... if you have a lower value car. My car was covered at £75k and Moris paid out £70500. And, I don't have to worry about my road insurance.
If I had a cheaper car then of course I'd possibly be happy with getting an "all inclusive" policy, but I'd be checking the implications of a claim and whether there would be any point in claiming at all.
As a rule of thumb, for cars over £40k the cover is not cheap with Moris, Reis etc. I pay up to £800 for a day on track, but I know what I'm getting / risking. Under £40k cover and the cost drops massively. I bought a Clio 200 Cup while the Exige claim was going through and a day at Spa was something like £80 for £4k cover.
Track insurance shouldn't be about it being cheap, it should be covering a risk to an acceptable level. Anyone saying that it's low risk if you go to a good circuit with a good TDO then that's all well and good, until you come off at speed because of an unknown.
The last thing you need is to bin your car and find it's going to cost more than you can stomach. Loss adjusters will pull out all sorts of reasons not to cover things like airbag damage (windscreen and dash), brakes (inc calipers), wheels, seats (yep, seats are a funny one because often the recovery driver will often damage your seats with all the broken bits they chuck inside the car.... and that ain't covered). etc.
If I had a cheaper car then of course I'd possibly be happy with getting an "all inclusive" policy, but I'd be checking the implications of a claim and whether there would be any point in claiming at all.
As a rule of thumb, for cars over £40k the cover is not cheap with Moris, Reis etc. I pay up to £800 for a day on track, but I know what I'm getting / risking. Under £40k cover and the cost drops massively. I bought a Clio 200 Cup while the Exige claim was going through and a day at Spa was something like £80 for £4k cover.
Track insurance shouldn't be about it being cheap, it should be covering a risk to an acceptable level. Anyone saying that it's low risk if you go to a good circuit with a good TDO then that's all well and good, until you come off at speed because of an unknown.
The last thing you need is to bin your car and find it's going to cost more than you can stomach. Loss adjusters will pull out all sorts of reasons not to cover things like airbag damage (windscreen and dash), brakes (inc calipers), wheels, seats (yep, seats are a funny one because often the recovery driver will often damage your seats with all the broken bits they chuck inside the car.... and that ain't covered). etc.
I insured my MX-5 as a second car on a limited mileage policy with track cover through greenlight a couple of years ago, last year I didn't bother with track cover as the excess was £1000 and I didn't value the car anymore than that so I didn't bother, funnily enough after that I had a spin and hit a wall at Oulton park. The car is still running though after a few parts from a breakers
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