Ben J
Member
Registered: 31st Jan 05
Location: Cheshire
User status: Offline
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Those of you with road legal track cars. Do you have them permanently insured for track use or do you insure them for track as and when needed?
What are the costs like? If insured for track permanently does it bump up the premium loads?
Also, how do insurance companies react to stripping interiors, bucket seats/harnesses etc etc?
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Not insured for track, take your chances
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Mine is not insured at all, not expensive enough to warrant it. Depends what you're planning to use.
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Ben J
Member
Registered: 31st Jan 05
Location: Cheshire
User status: Offline
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Okay. What if you run out of talent and hit another car on track
Steve - how did your ins co react to stripping/buckets/etc etc
[Edited on 25-03-2012 by Ben J]
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Go home in a mood. You aren't liable for anything either btw only your own damage
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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I load it on my trailer and go to work in a different car.
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Ben J
Member
Registered: 31st Jan 05
Location: Cheshire
User status: Offline
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So if I was on track, lost it, and took out a £100k Porker i'd not be liable for any damage to it?
[Edited on 25-03-2012 by Ben J]
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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No
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Ben J
Member
Registered: 31st Jan 05
Location: Cheshire
User status: Offline
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oooh I see.
Sod trackday insurance then tbh.
What if you caused a crash an someone was seriously injured or killed? Still no liability?
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Nope
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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If you are driving dangerously and if the marshalls are doing there job then you will be black flagged anyway
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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They could probably sue you for something or other but I think it would be fairly clear the other people who are out of pocket or dead would have accepted the risks as presented to them before taking part.
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Ben J
Member
Registered: 31st Jan 05
Location: Cheshire
User status: Offline
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Okay. Cool. Not that i'd ever be driving like a tit anyway, but wasn't sure what the deal was with insurance.
[Edited on 25-03-2012 by Ben J]
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Ben J
Member
Registered: 31st Jan 05
Location: Cheshire
User status: Offline
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Steve - how did your ins co react to stripping/buckets/etc etc
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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They went mad
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Ben J
Member
Registered: 31st Jan 05
Location: Cheshire
User status: Offline
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lol. So ins. went up then I take it?
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smcGSI16V
Member
Registered: 26th May 03
Location: Farnborough Drives: Thurlby 888 CDTi No.98
User status: Offline
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I never had trackday insurance for any of the 30+ trackdays I done in the Corsa.
However if I had a 100k+ car I would get trackday insurance.
But then if I had a car valued that much then you can afford the premium and the extortionate excess.
It has alwas been a case of you bend it you mend it and you are only liable for your own damage.
My insurance actually went down with the strippage and the cage, but only because it was insured on a limited mileage, I had access to another car as my everyday car, specialist insurance and I'm old.
Some companies offer to insure for a couple of trackdays a year, but only if you pay an extra premium and the excess gets increased.
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Ben J
Member
Registered: 31st Jan 05
Location: Cheshire
User status: Offline
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Wouldn't be my daily car. Thinking of picking up a cheap old shape Astra VXR when the new one comes out, as I expect there will be some decent, low mileage ones about for good money.
It will be on limited mileage ins too.
[Edited on 25-03-2012 by Ben J]
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Alex_Rally
Member
Registered: 6th Sep 09
Location: Tyne and Wear, gateshead
User status: Offline
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what happens if you crash into a barrier or fence ?? do u neeed to pay the track to have it repaired or spill oil on the track etc ??
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Only if you are at the ring 
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Tell me about this limited milage when I spoke to my ins I said if I changed my mileage to probs less then 1000 a year they said it wouldn't make any difference
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smcGSI16V
Member
Registered: 26th May 03
Location: Farnborough Drives: Thurlby 888 CDTi No.98
User status: Offline
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You need to shop around then.
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antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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I have a limited mileage, agreed value policy so I can drive mine on the road. Because the type of policy I have, it means everything I do to the car is covered and I don't need to tell them if I do new stuff to it, unless its a major change
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Fonz
Premium Member
Registered: 12th May 06
Location: Newbury, Berks
User status: Offline
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as stated above track day insurance is not always needed
my first ever track day (Castle Combe with WR @ Performance Action Day) i took out track insurance at the cost of £50 with morris insurance (covering the cost of the car)
after 15 minutes on track and a day spent watching everyone else i realize it really wasn't necessary. as much as i don't want to ding a £50k speed machine, they dont want to ding me either, which only left me running out of skill and hitting a barrier.
as such, knowing the limits of the car and my own talent accepted that risk and have not taken out insurance since.
i did however take out insurance when i went to the Ring, again only covering the value of the car which cost me £80, my mate in his CooperS cost him £100.
but again it wasn't needed, we did see one accident while we were there, but we didnt go to race the clock, only for the experience. it depends on what risks you take on track, and how happy you are to drive (and recover) at the edge of the car's/drivers limits.
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