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Track day insurace #1605783
08/08/2017 18:07
08/08/2017 18:07
Joined: Dec 2005
Posts: 3,609
S. Wales. Way beyond my means
Gripped Offline OP
Club member 1924
Gripped  Offline OP
Club member 1924
Forum is my job

Joined: Dec 2005
Posts: 3,609
S. Wales. Way beyond my means
Views please ladies and gents

The last time i did a track day, I used Moris for insurance which cost me something like £70 - £80 ish.

For some reason I though it covered 3rd party damage etc, but it doesn't. So, the only reason to have it is for damage to your own car. For me, the main concern would be hurting/damaging someone else.

So, for a Coupe worth not very much it seems pretty pointless to have it.

What you reckon?

thumb

Re: Track day insurace [Re: Gripped] #1605786
08/08/2017 18:55
08/08/2017 18:55
Joined: Oct 2008
Posts: 6,783
In the coupe.
magooagain Offline
Club Member 259
magooagain  Offline
Club Member 259
Forum is my life

Joined: Oct 2008
Posts: 6,783
In the coupe.
I don't know about insurance in the uk anymore,but in France I have bought a yearly responsibility civil insurance for track days. I paid about 130 euro.

It saves me paying per track day which is expensive each time ,also obligatory.
I imagine it's called a public liability insurance in the uk,but just for track days.



Re: Track day insurace [Re: Gripped] #1605789
08/08/2017 19:51
08/08/2017 19:51
Joined: May 2011
Posts: 2,388
Caston, Norfolk
Blueboyracer Offline
Competition Level
Blueboyracer  Offline
Competition Level

Joined: May 2011
Posts: 2,388
Caston, Norfolk
I take responsibility for my own behaviour and trust others do too. My only experience of insurance was watching someone realising exactly the same as you but he had hit someone else's car and not least the circuit limits, neither of which were covered by his insurance.

Re: Track day insurace [Re: Gripped] #1606658
24/08/2017 09:38
24/08/2017 09:38
Joined: Dec 2005
Posts: 1,298
Pontefract, West Yorkshire
andyps Offline
Club member 1482
andyps  Offline
Club member 1482
My job on the forum

Joined: Dec 2005
Posts: 1,298
Pontefract, West Yorkshire
There was a lot of publicity a couple of years ago following a case in which someone made a claim against someone else for damage caused on a track day. It highlighted the fact that insurance didn't cover third parties but the individual could be liable. At the time there was discussion about the implications of this but I don't know what the outcome was as I haven't done a track day for a long time.

I've recommended them elsewhere on here today but worth talking to REIS Insurance about track day cover, they are good and will be able to give advice too I should think.


Andy

[Linked Image]
Re: Track day insurace [Re: Gripped] #1606961
30/08/2017 08:22
30/08/2017 08:22
Joined: May 2006
Posts: 157
Surrey Hills, U.K
G
godders Offline
On a journey
godders  Offline
On a journey
G

Joined: May 2006
Posts: 157
Surrey Hills, U.K
Simply, you have in U.K no liability if you hit another vehicle, you take your car on circuit with that understanding. Technically there is a case for a personal claim if you acted negligently however this is extremely difficult to prove and I would have hoped the organiser would have blacked flagged you earlier.

My current view is i don't take out track day insurance, my car is not that valuable and most insurance policies have a fairly hefty excess. Most do not offer track damage (I.e. Fixing barriers) obviously accidents do happen but trackdays you are not racing so car to car damage should not happen and an off is down to the talent factor (or lack of). If my car was worth more than 15k I might take out the insurance and being brutal here I would never think about taking my daily driver out on a circuit.

Sg

Re: Track day insurace [Re: Gripped] #1606962
30/08/2017 08:29
30/08/2017 08:29
Joined: May 2011
Posts: 2,388
Caston, Norfolk
Blueboyracer Offline
Competition Level
Blueboyracer  Offline
Competition Level

Joined: May 2011
Posts: 2,388
Caston, Norfolk
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