Track Day insurance - NOT
Discussion
Just received an updated policy from Privilege. Note clarification:
"We have clarified that we do not offer cover for your car if it is used for track days or 4x4 off road events"
"Track Day means the vehicle is being driven on a motor racing track, airfield, de-restricted toll road or at an off road 4x4 event"
Particularly like the de-restricted toll road section. Trouble in Germany
"We have clarified that we do not offer cover for your car if it is used for track days or 4x4 off road events"
"Track Day means the vehicle is being driven on a motor racing track, airfield, de-restricted toll road or at an off road 4x4 event"
Particularly like the de-restricted toll road section. Trouble in Germany
That toll road bit is a bit of a sod, just renewed my bike one and spotted that for the fist time ever track days are specificlly excluded.
"underwriter shall not be liable if motorcycle is driven or used on any race, rally or test circuit for any purpose whatsoever"
not much of a getout on that then
"underwriter shall not be liable if motorcycle is driven or used on any race, rally or test circuit for any purpose whatsoever"
not much of a getout on that then
I've read and re-read my policy booklet from Churchill (I thought I was insured with Privilege though - oops!) and there is no exclusion for 'racing, rallying or trials', never mind track days.
It just states that it is for social, domestic and pleasure (and track days are certainly pleasure).
I wonder which clause they would use to wriggle out of a claim on my policy then?
It just states that it is for social, domestic and pleasure (and track days are certainly pleasure).
I wonder which clause they would use to wriggle out of a claim on my policy then?
willr said:
Phoned around and very few companies will include cover for track days. Ended up choosing Performance Marque (0121 2480911) - good price and included PCGB track day cover.
I'm with 'em too. I fear that Track Day insurance is shortly to be the domain of specialist insurers who ask £400+ per day for a moderately valuable car.
I predict a rise in the "Track Day Car Hire" business if this keeps up.
Tesco still covers you. They confirmed this to me three weeks ago before a track day at Silverstone.
[quote]Particularly like the de-restricted toll road section. Trouble in Germany [/quote]this is only a problem for the Nurburgring (admittedly, a big problem), but not for the Autobahn, which is toll-free.
[quote]Particularly like the de-restricted toll road section. Trouble in Germany [/quote]this is only a problem for the Nurburgring (admittedly, a big problem), but not for the Autobahn, which is toll-free.
Right here we go :
Privilege - cheapest, no track cover, no way
Norwich Union - no track cover, no way
Hill-House Hammond - no track cover, no way
A-one - expensive - 5 track days allowed @ £98 each
Sunninghill - most expensive - but any number of track days
Mannings - cheap, TVRCC track days included
ClassicLine - limit to 7500 miles per annum so no good for me
Peart - 2nd cheapest and TVRCC track days included
Competition Car Insurance looking at about £266 for £30 000 with £3000 excess
So all I need to do is work out how many track days I'm going to do in the next 12 months and with whom, and I should be able to work out what's the cheapest route!
Hope this helps!
Cheers,
Andy.
Privilege - cheapest, no track cover, no way
Norwich Union - no track cover, no way
Hill-House Hammond - no track cover, no way
A-one - expensive - 5 track days allowed @ £98 each
Sunninghill - most expensive - but any number of track days
Mannings - cheap, TVRCC track days included
ClassicLine - limit to 7500 miles per annum so no good for me
Peart - 2nd cheapest and TVRCC track days included
Competition Car Insurance looking at about £266 for £30 000 with £3000 excess
So all I need to do is work out how many track days I'm going to do in the next 12 months and with whom, and I should be able to work out what's the cheapest route!
Hope this helps!
Cheers,
Andy.
What's the panic, I've just read the policy document for Direct Line (which I would guess is the same as the Privilege) and whilst is does define in the 'MAIN DEFINITIONS' that
Track Day means the vehicle is being driven on a motor racing track, airfield, de-restricted toll road or at an off road 4x4 event.
It doesn't then go on to say you not covered for track days, I scanned this document when I took out my policies for the word track and it never occurred. Now Direct Line tell us what a track day is but not that your not covered.
It would be worth checking for exclusions in the Schedule when you get it to make sure it doesn't exclude track days, but my guess this is really just designed to discourage the unwitting. It may be that the Schedule for new policies will include the Exclusion but not existing policies. This is definitely not a general exclusion, in fact because they define 'Track Days' and then don't exclude them you could say it's by default an inclusion.
Chris
Track Day means the vehicle is being driven on a motor racing track, airfield, de-restricted toll road or at an off road 4x4 event.
It doesn't then go on to say you not covered for track days, I scanned this document when I took out my policies for the word track and it never occurred. Now Direct Line tell us what a track day is but not that your not covered.
It would be worth checking for exclusions in the Schedule when you get it to make sure it doesn't exclude track days, but my guess this is really just designed to discourage the unwitting. It may be that the Schedule for new policies will include the Exclusion but not existing policies. This is definitely not a general exclusion, in fact because they define 'Track Days' and then don't exclude them you could say it's by default an inclusion.
Chris
petrolhead.com said:
It would be worth checking for exclusions in the Schedule when you get it to make sure it doesn't exclude track days, but my guess this is really just designed to discourage the unwitting. It may be that the Schedule for new policies will include the Exclusion but not existing policies.
Chris
Yup, wait till your next renewal and check the certificate. Privilege sent out a revised policy book this year with several changes.
Also they say "we do not offer cover for your car if it is used for track days", not "when it is used for track days". So if you did a track day, would your policy be void from then on
andyvdg said:
I've just phoned Tesco and Liverpool Victoria - neither will cover track days.
Did you ask them whether they do track day insurance or whether track days are covered under their car insurance? The two are different things.
LV are certainly covering my golf for track usage under a typical road car policy.
T.
Gassing Station | Track Days | Top of Page | What's New | My Stuff