UK track insurance - not getting quotes due to expensive car

[deto911]

If there ever was a first world problem..

I can't seem to get any quotes on my 992 Turbo S for trackday insurance. I mention the car value at 160k (based on looking at autotrader) and insuremytrackday, reis have just said no. I asked if it'd help to reduce the car's value, and they said no that that as well.

I am a bit stumped. I want to get on track at least once during my ownership of this car, so happy to pay steep quotes one time, but I'm not even getting any quotes?

These are the details I've gone with:

Full day MSV track day at Bedford Autodrome
160k car value

My road insurance doesn't cover track days, so I am looking for a single day track cover. Are there any other options beyond Moris, insuremytrackday and Reis?

Alternatively, does France have trackday insurnace providers I can try and maybe do a french track day? Feels like a miss if I cant track the car once during its ownership..

Edited by deto911 on Monday 3rd February 17:48

[Far Cough]

There are a few reducing cover for high end cars. Classic line have stopped covering GT3 RS' and the whole track day cover underwriting seems to be up in the air.
Classic line state they are looking for another underwriter but I can see it going the same way as Mannings i.e. noone interested or wanting to take the risk.
I've been told that current policy holders are ok but not available on renewal.
Single day stand alone track day insurance not connected to your road policy is always going to be pricey.

[WombleCate]

You could try changing the track day:

- closed pit lane may be lower risk than open (at most MSV days)
- have an instructor in the car
- do a club day (e.g. PCGB)

[adam2922]

I'm having exactly the same problem at the moment, similar value car, different trackday (Goodwood with Salone events) - Footman James were able to offer track days as part of their regular insurance coverage but the cover itself was over £1k more expensive for the year (£710 vs £1,790).

[gashead1105]

Check the excess also if you get a quote. When I looked for my GT4 last year, the excess was going to be 10k. Not worth it imo.

[deto911]

Update: got a quote from insuremytrackday today!

£1005 quid with a 12.5k excess.

It’s quite steep but like I mentioned in the original post, I want to take the car on track at least once during my ownership so I’m thinking of spending the cash. It does make me wonder how anyone with a 200k+ car is doing trackdays..

[mmm-five]

deto911 said:

Update: got a quote from insuremytrackday today!

£1005 quid with a 12.5k excess.

It’s quite steep but like I mentioned in the original post, I want to take the car on track at least once during my ownership so I’m thinking of spending the cash. It does make me wonder how anyone with a 200k+ car is doing trackdays..

Maybe they use a customised Hiscox private client policy for multiple vehicles/homes/valuables?

[Frimley111R]

You'll be much more careful knowing you don't have it!

[Paul_M3]

Far Cough said:

There are a few reducing cover for high end cars. Classic line have stopped covering GT3 RS' and the whole track day cover underwriting seems to be up in the air.
Classic line state they are looking for another underwriter but I can see it going the same way as Mannings i.e. noone interested or wanting to take the risk.
I've been told that current policy holders are ok but not available on renewal.
Single day stand alone track day insurance not connected to your road policy is always going to be pricey.

I'm very curious (worried) to see what Classicline say when I get my renewal quote through next month.

The reality is that it could have a significant bearing on how much longer I keep my car.

[Frimley111R]

I can't believe many road cars are ever damaged but I'm not a regular track day expert...

[Shaoxter]

deto911 said:

It does make me wonder how anyone with a 200k+ car is doing trackdays..

They just try not to crash?
You'd have to be really ham fisted to do more than £13.5k of damage at Bedford in a 992 Turbo. Just follow the standard advice of not driving beyond your limits, gradually building up speed throughout the day, leave all the aids on and look in your mirrors.

[fat80b]

While not in the same league, I’ve tracked the TVR a few times with no insurance.

It’s all well and good saying take it easy, but on the day that goes out the window!

I’ve spun off at Snett a few times albeit with no real danger, and memorably had a big big wobble at Cadwell that still gives me the shivers now. ! A tankslapper coming over the mountain that could have seen me in the barriers big time……

To be honest, if the insurance is a grand and with such a big excess, I’d suggest buying an nb mx5 and tracking that instead. It’ll be more fun as well

[WombleCate]

That’s a really good point.

I have a much less expensive but still road focused 911, and had an itch to take it on track. After opening the taps a couple of times, I realised I’d be having more fun in my Caterham.

So I agree. A Turbo S is an awesome road car and capable on track, but, you’d have far more fun in something costing less than the excess.

[Paul_M3]

Frimley111R said:

I can't believe many road cars are ever damaged but I'm not a regular track day expert...

I've been doing track days for about 18 years, and whilst it's not exactly common, it certainly does happen.

I've seen a few cars spin off into the barriers by themselves, but I what I had considered to be extremely rare was 'car on car' contact. Right up until last year, where it happened at two track days I went to on the trot.

The first was at Bedford funnily enough, on the slowest corner of the circuit. Contact between an Exige and a BMW, and I know for a fact that the Exige was written off. (I don't think the BMW was insured)

So the question is, even if something is pretty unlikely, could you afford to simply accept the total loss of a £45,000 car (for example) without being absolutely gutted and crying yourself to sleep for weeks? (I'm not sure I could)

The second was a Cadwell park. 1st car spun and was stationary on the track in an awkward unsighted place. Two cars came along together and the first one swerved out of the way. The second one didn't have enough reaction time once the first car had swerved and t-boned the stationary car.

Shaoxter said:

They just try not to crash?
You'd have to be really ham fisted to do more than £13.5k of damage at Bedford in a 992 Turbo. Just follow the standard advice of not driving beyond your limits, gradually building up speed throughout the day, leave all the aids on and look in your mirrors.

That's great in theory, but there's always the chance of some other idiot doing something unpredictable, spilled fluids on track you haven't seen, a puncture through a fast corner etc. Again, it's all very unlikely, but it's still a risk. Low probability, but high consequence in a car worth a lot of money.

[deto911]

WombleCate said:

I realised I’d be having more fun in my Caterham.

To be fair nothing compares to a Caterham haha. That was actually my backup plan - to spend even more (2k) and hire the Bedford caterham with an instructor (which i've done before and was awesome).

[RSbandit]

Used to use Moris but haven’t in years as the price just became too high …tracked Astons and McLarens at The Ring, Spa and only Bedford in UK without any track insurance , never had an issue touch wood but I drive within myself and always have car checked over before the day. Of course an oil spill could catch me out but I accept that low probability risk. Plenty of crashes at the ring but v rarely involving two cars usually someone running out of talent.

[Grosscmg]

Far Cough said:

There are a few reducing cover for high end cars. Classic line have stopped covering GT3 RS' and the whole track day cover underwriting seems to be up in the air.
Classic line state they are looking for another underwriter but I can see it going the same way as Mannings i.e. noone interested or wanting to take the risk.
I've been told that current policy holders are ok but not available on renewal.
Single day stand alone track day insurance not connected to your road policy is always going to be pricey.

Classicline now offer track cover as part of their road policy for the GT3rs. There have been some changes though.


No euro track cover at all
Max payout £100k
Max 6 track days per year at £134 each

[b0rk]

RSbandit said:

Used to use Moris but haven’t in years as the price just became too high

I’ve noticed as a new for ‘25 question irrespective of what you are proposing Moris now ask is any part of the car’s bodywork carbon. I assume answering yes to this results the premium being significantly loaded.

Have to admit two days at the ring and two at Spa with morris on a GT4 now looks very expensive vs a couple of years ago.

[Tommie38]

Frimley111R said:

I can't believe many road cars are ever damaged but I'm not a regular track day expert...

In 20 years I’ve seen maybe 5 or 10 cars seriously damaged on track days. Barrier, roll and one car on car contact.

I will insure anything I drive that is worth more than I’d be willing to stomach as a total loss. Obviously we would all have different figures in that sense, but I’d be insuring a newish Turbo for sure.

[Robbidoo]

I thought the rule of thumb used to be 1% of the value of the car was the premium? On that basis your quote of £1000ish seems okay?