Discussion
Sorry, i know this has been asked hundreds of times before but i got quoted £300 odd pounds for cover at ONE track day!
Where do people go for this cover and whats the best way to maximise the cover but minimise the costs? Do many of you pay this amount for each track day you go to? I only plan to do 3 a year as a maximum but this cost really puts me off!!
Where do people go for this cover and whats the best way to maximise the cover but minimise the costs? Do many of you pay this amount for each track day you go to? I only plan to do 3 a year as a maximum but this cost really puts me off!!
Understand one thing here! most people do not have cover for track days. you do not have to have it as far as the track day firm are concerned, and your insurance company will laugh if you tell them what you are doing!!!
Its going to be all your risk unless you are prepared to pay through the nose, thats why people buy special cars for track days, there's no way i'd take my TVR tuscan on a track day so some twit in a hot hatch can smash it.
That said, in the main track days are pretty safe as you are not racing or timing your laps.
gadgit.
Its going to be all your risk unless you are prepared to pay through the nose, thats why people buy special cars for track days, there's no way i'd take my TVR tuscan on a track day so some twit in a hot hatch can smash it.
That said, in the main track days are pretty safe as you are not racing or timing your laps.
gadgit.
It depends on how much cover you want at about £30 per £1000 cover!
Are you going to do £10k worth of damage if you go off, or more like £1k damage. Can you afford to do £1k of damage without insurance?
If you do get say £20k cover does that mean you are more likely to driver beyond your skills as you know you are insured? if you drive within your limits and to the track rules you should be fine.
I've done about 20 track days and had 3 offs - two into the kitty litter under braking (both after going from a dry track to a wet one) and one off across the grass and over a couple of cones.
In all that time I've done about £100 of damage (front foglight when I hit the cones). I spend much more money on tyres, fuel and the track day itself.
Are you going to do £10k worth of damage if you go off, or more like £1k damage. Can you afford to do £1k of damage without insurance?
If you do get say £20k cover does that mean you are more likely to driver beyond your skills as you know you are insured? if you drive within your limits and to the track rules you should be fine.
I've done about 20 track days and had 3 offs - two into the kitty litter under braking (both after going from a dry track to a wet one) and one off across the grass and over a couple of cones.
In all that time I've done about £100 of damage (front foglight when I hit the cones). I spend much more money on tyres, fuel and the track day itself.
Hi, I would agree with the comments, you don’t need insurance its just for your own piece of mind. The best quote I have had was from CIG Insurance Services - www.ciginsurance.co.uk/ or they have an online quote form at Trackdays.co.uk - www.trackdays.co.uk/cig-proposal-form.htm
I attended 11 track days last year and didn’t insure myself once - and thankfully didn’t need to! I think that if you drive within your own limits or at 9/10 you shouldn’t have any problems :-)
Goz
I attended 11 track days last year and didn’t insure myself once - and thankfully didn’t need to! I think that if you drive within your own limits or at 9/10 you shouldn’t have any problems :-)
Goz
Bookatrack have insurance available for their events.. I think I paid £80 for £5000 worth of cover when I took the Chimaera out. Basically I thought that there was no way I was going to do more than 5k's worth of damage to the car even in a meeting with Mr Armco, so only bought that much cover.
Cheers,
Matt.
Cheers,
Matt.
All in as part of my std insurance for my Mini.
Try Herts insurance consultants.
I pay less than £100 per year, all mods declared, fully comp, 3000 miles per annum, me & the mrs to drive & unlimited (number of days) track day cover to the agreed value of the car.
The deals are out there.
Chris
Try Herts insurance consultants.
I pay less than £100 per year, all mods declared, fully comp, 3000 miles per annum, me & the mrs to drive & unlimited (number of days) track day cover to the agreed value of the car.
The deals are out there.
Chris
My standard TVR policy with Sunninghill covers me for all 'official' track days that are properly marshalled, etc. It comes at no extra cost, but with a £1k excess.
See www.sunninghillinsurance.co.uk/pdf/tvr.pdf
See www.sunninghillinsurance.co.uk/pdf/tvr.pdf
M@H said:
Bookatrack have insurance available for their events.. I think I paid £80 for £5000 worth of cover when I took the Chimaera out. Basically I thought that there was no way I was going to do more than 5k's worth of damage to the car even in a meeting with Mr Armco, so only bought that much cover.
That doesn't work. If the car is worth (say) £20K and you only buy £5K worth of cover, they will either average the claim down to 25% or refuse it altogether.
zumbruk said:
M@H said:
Bookatrack have insurance available for their events.. I think I paid £80 for £5000 worth of cover when I took the Chimaera out. Basically I thought that there was no way I was going to do more than 5k's worth of damage to the car even in a meeting with Mr Armco, so only bought that much cover.
That doesn't work. If the car is worth (say) £20K and you only buy £5K worth of cover, they will either average the claim down to 25% or refuse it altogether.
Why do you say that.. I spoke to them before an event a couple of years ago and this was apparently not the case.
Cheers,
Matt
>> Edited by M@H on Friday 2nd April 13:54
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