Road and Track Insurance

[M.F.D]

Fellow PHers.

I am in the process of buying a track car, which will be used solely for this purpose. It will remain road legal so I can drive it to and from track, garage, road test it etc etc. It is obviously quite extensively modified.

I am aware that you can get policies that cover road, plus x number of track days. Has anyone got any experience of this, good or bad?

Any recommendations would be great, and prices people have paid would be brilliant too.

[M.F.D]

anonymous said:

[redacted]

Thanks for the reply, that is useful. I have a load of modifications, but mostly chassis and braking so that is good to hear. I'll give them a call!

[Kswap]

I’ll be looking for this in a few months and a company called Reis seems to come up alot on the Track Time Facebook page. Road insurance and six Trackdays.

[MrC986]

I think if you have an expensive car, and/or it is your “daily driver” it is worth track insurance. I won’t go in to where/when, but I was on a track day fairly recently and an expensive road car (circa £40k) was potentially written off on the sighting laps due to damp conditions with the driver being solely to blame for under-estimating the lack of traction through a corner. The driver was very likely uninsured for track use and on top of that was also likely to get a bill from the owners of the track for barrier repairs.

[M.F.D]

Kswap said:

I’ll be looking for this in a few months and a company called Reis seems to come up alot on the Track Time Facebook page. Road insurance and six Trackdays.

I'd be interested to know how you get on, I'll give them a shout too

[QBee]

I use Classic Line (01455 639000) for my TVR, the policy covers limited mileage on the road plus 5 track days.
Car is 22 years old, worth £20k,is fairly modified, but they weren't phased by the mods (turbo, bigger brakes, etc etc, 400 bhp).
Excess on track is 10% of the value of the car, on the road £250.

One point about combined policies - if you have a track claim it affects all your road insurance claims history.

[veehexx]

i'm 5th year with A-Plan and so far no issues at all with them. I cannot rate them highly enough. Call centers are UK, no long queues, and knowledgable staff. No big claims other than a replacement cracked windscreen from trackday gravel, which they just covered it as a normal road claim. No restrictions for catching such damage on track.
I get road & track cover with them on a somewhat modified FK2 typeR.
power is standard, FMIC upgrade, added oil cooler, brakes (and about to go 350mm factory Brembo to 380mm ap racing), twinplate clutch etc.

[BobM]

Just to add my experience. The plan was to buy an older (~£30k) Cayman S as a second/track car, at this value not too worried about running it on track without cover. However, there was, as there often is, a bit of mission creep

So I've just bought a year old Cayman GT4. Even though I've never had an incident on a trackday, I daren't really run that without insurance. It's been very difficult to find. The dedicated track insurers want around 1% of the value of the car which frankly makes it just too expensive to do trackdays. Adrian Flux said they don't do track cover, Manning have stopped doing it after some big claims. The only one I found was A-Plan. The cover's not cheap, but is still less expensive than some of the other quotes I had that didn't include track cover. Just over £2k, the cheapest quotes I had for road use only via Confused.com were around £470, so I reckon £1600 for 5 trackdays isn't bad.

[QBee]

Still a kick in the nuts, but it only takes some tosser in a clapped out Rover 75...... and I saw one at Cadwell Park try to overtake on the inside of a Lotus Exige at the hairpin, with inevitable results. Luckily the Lotus was insured.

Better safe then regretting it later, and having been around Snetterton as a passenger in a Cayman GT Techart I can honestly say you have bought a great car for a place where you can actually use its talents

[jdleeso]

Bobm, You could insure through locktons and would be insured for Porsche Club track days. I use Morris for other days.

[BobM]

jdleeso said:

Bobm, You could insure through locktons and would be insured for Porsche Club track days. I use Morris for other days.

Thanks. I want to do more than just PCGB days. I'll get some quotes from Moris once I've used up my 5 included days.

[Kswap]

M.F.D said:

Kswap said:

I’ll be looking for this in a few months and a company called Reis seems to come up alot on the Track Time Facebook page. Road insurance and six Trackdays.

I'd be interested to know how you get on, I'll give them a shout too

Just to update. 1995 civic EG. K Swapped. No cage, harnesses. Reis wouldn’t insure me. They seem to be more two seaters etc. Said they’d have insured on another policy if it was a type R.
Apparently they’ve been miss selling the one policy for a year or two and the underwriters found out after a few big claims.
Went with Greenlight in the end. £368 on a 5000 mile policy fully comp. plus £150 for five trackdays. I’m 39 with 4 years no claims.

[tomkingshott]

another vote for Greenlight here. been with them for the last 3 years on my fiesta st which is 95% road use and then 5% track use in the summer and the policy this year set me back 500 from memory which was all mods included including a small price hike due to the mapping being over the 10% tolerance. The trackdays as mentioned above are a set amount for 5 days or 60/65 a day per trackday.

as always im sure some people have had bad experiences with them but for me for the last 3 years they've been the cheapest and i find them really easy to deal with

[Derek182]

I've generally tracked cars cheap enough not to worry about insuring for track or even after a big shunt I could unbolt and sell enough bits to get a decent amount of money back.
But I'm about to start tracking a £10000 Megane RS250 Cup which will also get quite a bit of road use.
It's mildly modified, an intercooler, remap to 300 hp and lowering springs, A Plan wanted £640 for road cover with 5 trackdays included but my regular insurer, LV, only wanted £280 for road cover with the mods and I've had a quote from Moris for 5 track day cover for £260 so I'm going to go with that.

[QBee]

Derek182 said:

I've generally tracked cars cheap enough not to worry about insuring for track or even after a big shunt I could unbolt and sell enough bits to get a decent amount of money back.
But I'm about to start tracking a £10000 Megane RS250 Cup which will also get quite a bit of road use.
It's mildly modified, an intercooler, remap to 300 hp and lowering springs, A Plan wanted £640 for road cover with 5 trackdays included but my regular insurer, LV, only wanted £280 for road cover with the mods and I've had a quote from Moris for 5 track day cover for £260 so I'm going to go with that.

That also MAY have another advantage.

I have been told that a track claim on a combined road and track policy affects all your road policies at renewal time, as it is logged as a claim on the insurers' database.
I don't know if the same would apply if you had a claim on your stand-alone Moris policy - would that be logged on the insurance database? My possibly incorrect logic says not.

Your Megane sounds like a fun car - good choice.

[SpudLink]

I can recommend A-Plan. I’ve been using them for 6 years, and have made 2 claims. One of which was a very expensive repair after hitting the barrier at speed.
The claims process couldn’t have been easier. They didn’t ask for a 2nd quote, accepting its an unusual car that required a specialist repair.
My premium was hardly affected afterwards.

[M.F.D]

Apologies, forgot to update this.

I ended up going with Greenlight. R53 running 240bhp/coilovers/cage/meth/big brakes etc etc

Because I'm using my NCB on another policy, I had none to use. However they mirrored it from my daily and gave me a mega price. Also, they'll cover track days too, providing I let them know in advance and that costs £30 per day - so long as I buy 5 x track days at £150.

Well worth a shout, massively impressed.

[Boggo]

Beware that so far as I'm aware - the A-plan track day cover counts as your road policy - IE if you make a claim it counts as a claim, and you have to declare it as a claim.