Track Insurance

bryce · 11-01-2009, 05:18 PM

So with all this talk of upcoming track days (and me getting my finger out) its got me wondering about insurance.

Who insures their car for track days? If not, why not?
Whats the cost?
Does age / track / NCBs make any difference?
Any other input welcome.

Cheers

**shimmy** · 11-01-2009, 05:40 PM

didnt insure for first 2+ years on track but managed this year to get it included on my road insurance (swapped from NU to Herts) all uk track days - not european) for about £200 above last years insurance quote, and i also added protection for a few reasons this year

reason i did it was that in 2-3 years on track i have had no bangs and thought that firstly no insurance was holding back my driving improvement (subconsiously less brave) and secondly that my time was coming and i had used up some of my lives

i would say dont bother if you are a sensible driver until you think you need it as chances are you wont claim unless you have a big one due to NCD etc

most people dont crash on track anyway, they crash on the way home or the next day

derek · 11-01-2009, 06:49 PM

Hi Bryce,
i sometimes take track insurance out with morris http://www.morispayment.co.uk/trackday.asp?prefix=ME its about £150 pounds for values up to £30k and only £1800 excess which i found to be the best in the limited search . Seen your thread on your suspension interested to hear your views. Hope to see you a knockhill on the 7th Feb

cheers
Derek

sailorbaz · 13-01-2009, 11:15 PM

I don't bother, too tight is the sole reason for it.

Would be interested it getting it included into my normal road insurance, even for £200 extra for the year, now that my Insurance is less than £500 for year, FC.

**glendog74** · 13-01-2009, 11:40 PM

I have had Moris insurance when i do a track day. When i first used them, track day experience was taken into account and you also got a 5% discount each time you returned for custom.

Now they have a fully automated quote website and i have found that my premiums have gone up considerably - almost by double in fact! I find that the only factor that has a direct link to pricing is when you 'fiddle' around with the valuation of the car you are planning to insure.

I rang up to moan about this to Justin Everitt and all he would say was that they would try and factor some discounting into the automated quotes later this year...

I'm itching for my everyday Admiral insurance to run out so that i can get a new policy with trackday cover included in the price as i have spent £800 in seperate trackday insurance in the last 6 months!

**shimmy** · 14-01-2009, 12:13 AM

glendog

pm me when you are looking and i will give you details of mine

plug · 14-01-2009, 07:50 AM

I the nurburgring classed as a public road therefore the insurance will pay out anyway?

_Nathan_ · 14-01-2009, 08:00 AM

There is case law of insurers not paying out there and the ombudsman supporting the insurer.

**glendog74** · 14-01-2009, 09:09 AM

Quote:

Originally Posted by shimmy

glendog

pm me when you are looking and i will give you details of mine

Cheers Shimmy

**glendog74** · 14-01-2009, 09:12 AM

Quote:

Originally Posted by plug

I the nurburgring classed as a public road therefore the insurance will pay out anyway?

Not the case these days. Most insurers have gotten wise to the Nurburgring and have clauses specifically in place to exclude any claims there.

It is a 'race track' at the end of the day - wherther it is classed as a public toll road or otherwise!

There's many a thread about it at Pistonheads and other forums.

11-01-2009, 05:18 PM	#1
bryce S5, Sport On, DSC M-track Join Date: Nov 2008 Location: Scotland (sw) Posts: 1,369 Casino cash: $2512	Track Insurance So with all this talk of upcoming track days (and me getting my finger out) its got me wondering about insurance. Who insures their car for track days? If not, why not? Whats the cost? Does age / track / NCBs make any difference? Any other input welcome. Cheers

14-01-2009, 07:50 AM	#7
plug S2 - Picking it up Join Date: Jan 2009 Posts: 40 Casino cash: $2843	I the nurburgring classed as a public road therefore the insurance will pay out anyway? __________________ No animals were hurt in the making of this signature.

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
Insurance Claim Picture	Mark CSL	Jokes & Idjuts Area	0	09-02-2009 08:42 PM
Do you tell insurance about mods?	karbonkid	Main Message Centre	18	26-01-2009 10:07 AM
CSL Insurance time	E46ACS	Main Message Centre	25	13-12-2008 01:32 PM
csl insurance	Mark CSL	Interesting CSL Links	8	23-04-2008 11:12 PM

11-01-2009, 05:40 PM	#2
shimmy CSL Register Uber-poster! Join Date: Apr 2008 Location: Uk Posts: 14,646 Casino cash: $43909	didnt insure for first 2+ years on track but managed this year to get it included on my road insurance (swapped from NU to Herts) all uk track days - not european) for about £200 above last years insurance quote, and i also added protection for a few reasons this year reason i did it was that in 2-3 years on track i have had no bangs and thought that firstly no insurance was holding back my driving improvement (subconsiously less brave) and secondly that my time was coming and i had used up some of my lives i would say dont bother if you are a sensible driver until you think you need it as chances are you wont claim unless you have a big one due to NCD etc most people dont crash on track anyway, they crash on the way home or the next day

11-01-2009, 06:49 PM	#3
derek S5, Sport On, DSC M-track Join Date: Jun 2008 Location: Scotland Posts: 1,159 Casino cash: $20658	Hi Bryce, i sometimes take track insurance out with morris http://www.morispayment.co.uk/trackday.asp?prefix=ME its about £150 pounds for values up to £30k and only £1800 excess which i found to be the best in the limited search . Seen your thread on your suspension interested to hear your views. Hope to see you a knockhill on the 7th Feb cheers Derek

13-01-2009, 11:40 PM	#5
glendog74 CSL Register Uber-poster! Tetris Champion! Join Date: Apr 2008 Location: Cornwall Posts: 8,861 Casino cash: $32299	I have had Moris insurance when i do a track day. When i first used them, track day experience was taken into account and you also got a 5% discount each time you returned for custom. Now they have a fully automated quote website and i have found that my premiums have gone up considerably - almost by double in fact! I find that the only factor that has a direct link to pricing is when you 'fiddle' around with the valuation of the car you are planning to insure. I rang up to moan about this to Justin Everitt and all he would say was that they would try and factor some discounting into the automated quotes later this year... I'm itching for my everyday Admiral insurance to run out so that i can get a new policy with trackday cover included in the price as i have spent £800 in seperate trackday insurance in the last 6 months!

14-01-2009, 12:13 AM	#6
shimmy CSL Register Uber-poster! Join Date: Apr 2008 Location: Uk Posts: 14,646 Casino cash: $43909	glendog pm me when you are looking and i will give you details of mine

14-01-2009, 08:00 AM	#8
_Nathan_ Driving it like I nicked it Join Date: Sep 2008 Posts: 2,099 Casino cash: $13060	There is case law of insurers not paying out there and the ombudsman supporting the insurer.