Trackday insurance

[sawood12]

Is it possible to get just trackday insurance? I'm currently with Direct Line on a standard fully comp policy and recently enquired about the possibility of trackday cover. After explaining to the grunt on the phone what a trackday actually was he enquired with his boss and told me Direct Line cannot offer trackday insurance (not really surprised). I'm planning on taking part in a few trackdays this year so could do with some insurance.

 

[Hilux]

Heritage will insure your car for PCGB track days and its included []

Normally track day insurance means you need 1) to do loads of track days to benefit which is expensive 2) pay per track day, which is expensive.

 

[edh]

Try HIC (now part of Adrian Flux)

Unlimited trackdays -£500 excess (might be more if you have limited trackday experience)

It cost me about GBP 100 on top of their usual cover premium - they are happy with modified cars as well

 

[Mark_Bennett]

A Manning cover all Association of Track Day Organisers (ATDO) and ARDS events (this includes Porsche Club organised ones).
01491 578759

 

[Hilux]

Try HIC (now part of Adrian Flux)

Unlimited trackdays -£500 excess (might be more if you have limited trackday experience)

It cost me about GBP 100 on top of their usual cover premium - they are happy with modified cars as well

`kin `ell [8D] Its certainly got cheaper over the years.

6/7 years ago it was ridiculously expensive.

Note to myself....................I must ring around when my insurance is due []

 

[Guest]

I've used www.moris.co.uk before for trackday only insurance on a Clio 182. Worked out at around £100 per day with a £1000 excess for someone that has done quite a few trackdays, might be more for a novice. Could not have risked a £10000 car without it. One reason why I am about to start tracking a £1500 944 as I obviously won't have to worry about insurance.

 

[Big Dave]

"I obviously won't have to worry about insurance. ".

Surely your not just insuring yourself + your car , BUT maybee somebody else that you "may" run into aswell....It does happen....

 

[Guest]

Always assumed that if someone hit me during a trackday I would not be able to claim against them as you could on the road, nor could they against me. The sort of single day cover I used to take out covered damage to my own car but don't think it covered damage I might cause to someone elses.
I have never seen 2 cars collide in around 30 trackdays, although it must happen.
Personally, I can justify spending £150ish on a trackday but if I have to insure the car as well it starts to look like rather an expensive day out.

 

[Fen]

I've never bothered with trackday insurance either, and my understanding was the same i.e. there is no third party element to it it just covers your own car.

 

[DivineE]

Well if its only my car I'm covering I wont bother either! Especially since I can't get trackday insurance!

 

[edh]

It isn't cheap - and there's not a lot to hit at Silverstone - possibly apart from the new pit wall

you could start with

MORIS
Competition Car Insurance
REIS

I think they all do first party single day cover. Excesses are high (as are the premiums).

Some insurers bundle in trackday cover with your main policy

I don't bother - I think I would only ever claim for a total loss, which is not very likely, and in any case would probably leave me with a decent pile of bits to flog, and an intact NCB.

 

[Copperman05]

Who are you insured with? I know Classicline will include club organised days and some other reputable organisers at no extra charge. You just need to inform them in advance and they send you a special track cover note for that day and circuit.

Edd

 

[Chrishazle]

Plus, with Classicline, if it's not a "recognised" car club or similar trackday, they will still give you insurance for the day for about £50 - but remember your excess that day is £1k!