Has any one any recommendations for Track Day Insurance.I’m looking for e/o cover as I’m more than happy with my current ’ Road’ insurer , and I want to keep the two things totally separate.
Any experience with claiming of trackday insurance companies appreciated ??
Mike
What you propose, is an expensive way of doing things - far better to have a specialised policy for the road which also includes trackday cover. eg via brokers such as Henderson Taylor 0161 437 7442 or http://www.lotusdriversclub.org.uk/news-1/lotus-insurance-scheme
For “one off”, I’d try http://www.competition-car-insurance.co.uk/company.htm but don’t be surprised at the premium quoted for the amount of cover provided/excess.
Good luck.
have to agree with Mr P
Interestingly, I’ve seen a number of trackday accidents but never heard or read about anyone’s experience of claiming against any of the available polocies.
I thinks that 's my point, when I still raced no one had insurance, but in the event of an accident, I’ve known people drag the car onto the public highway , and call the RAC, I wouldn’t ever be able to hazard a guess what the next stage was… 
[quote=Podger]
I thinks that 's my point, when I still raced no one had insurance, but in the event of an accident, I’ve known people drag the car onto the public highway , and call the RAC, I wouldn’t ever be able to hazard a guess what the next stage was… [/quote]
Next stage = RAC/AA refusing to carry out recovery, nowadays. Trying to claim damage happened on the road will not wash with Insurance Co, & may well lead to prosecution for attempted fraud.
In 10 years, I’ve never heard of anyone having a problem claiming for trackday damage to their own car, provided they had the appropriate insurance in place.
As most on here know, use the right broker & your road policy will also cover you for trackdays, albeit with a larger excess in the event of trackday damage. IIRC my premium is around �500 pa with an annual mileage limit of 7500 - trackday excess is �1k. I am of course very old, & a very slow driver.
[quote=Mr Pesky][quote=Podger]
I thinks that 's my point, when I still raced no one had insurance, but in the event of an accident, I’ve known people drag the car onto the public highway , and call the RAC, I wouldn’t ever be able to hazard a guess what the next stage was… [/quote]
I am of course very old, & a very slow driver. [/quote]
And me…
[quote=Mr Pesky]Mike
For “one off”, I’d try http://www.competition-car-insurance.co.uk/company.htm but don’t be surprised at the premium quoted for the amount of cover provided/excess.
Good luck. [/quote]
I 've completed their online quote form at the w/e , it say’s they call back within 24 hours , I’m still waiting …
[quote=Podger][quote=Mr Pesky]Mike
For “one off”, I’d try http://www.competition-car-insurance.co.uk/company.htm but don’t be surprised at the premium quoted for the amount of cover provided/excess.
Good luck. [/quote]
I 've completed their online quote form at the w/e , it say’s they call back within 24 hours , I’m still waiting …[/quote]
I hope you’re sitting down when they ring! 
I think I can recall a quote from a few years ago that was �100 premium for every �1,000 insured and you had to take insurance to the current value of the vehicle. I can’t remember what the excess was set to…it was rather academic 
Steve
I think it used to be �10 per �1K of cover, with a 10% excess. I have only used “one off” cover once, in 2007 when driving at Le Mans - at that time, only UK events were covered by my road policy.
oops…decimal place in the wrong place 
, although as an adopted Yorkshireman �10 is still alot
� 60 and � 2500 Excess
I’ll self insure I think!!!
Mike
I presume that’s �60 per �1K of cover? If so, blimey, that’s even more than I was expecting to hear these days!
sum insured � 10000
excess �2500
total value of vehicle �28000
Sorry Mike, still not sure what you mean. Are you saying that if you paid �60 Ins premium you could effectively claim up to a total of �7500 ie �10K cover minus excess �2500???
Don’t feel so bad with my original post now… 
That 's how I read the quote
Having given it even more thought, I raced all over the UK and Europe for 15 years , and in all that time , one minor prang , at the right hander , after the start line at Pembrey , on a first lap.
So as I 'm nor racing , and only doing the odd selective trackday , I don’t think I’ll bother, I also don’t insure when I Hillclimb , doing 10/15 events a year…
Mike
I seriously suggest that you speak with a specialist broker, & get peace of mind cover for both on road & track, with a single policy.
One thing I’ve never understood at trackdays is if you waive your right to claim against anyother driver if you feel they are responsible for crashing into you?
I would expect this to be a common law right we all have, but in signing all the paperwork do we expressly give this right up?