Insuring a track car as 2nd car?

[M.C..]

I am playing with the idea of getting another 182 or 172 and converting it to a road legal track car with probaly cage, seats harnesses, suspension, no airbags usual sort of spec, so would need to be a modified policy.
I currently insure my meg 250 as my everyday car (with greenlight) so got my NCB on that.

how do people go about insuring a track car do you have to start a policy with 0 NCB or is there a way around it to use NCB on both policys as only one car would be used at a time, admiral multicar would be no good because of modifications.

Thanks

 

[Djw Dave]

I'm interested to see the answer to this.

 

[mark123]

Talk to them. Some will discount based on your existing no claims while you build up on the second car.

 

[Neil@greenlight]

I am playing with the idea of getting another 182 or 172 and converting it to a road legal track car with probaly cage, seats harnesses, suspension, no airbags usual sort of spec, so would need to be a modified policy.
I currently insure my meg 250 as my everyday car (with greenlight) so got my NCB on that.

how do people go about insuring a track car do you have to start a policy with 0 NCB or is there a way around it to use NCB on both policys as only one car would be used at a time, admiral multicar would be no good because of modifications.

Thanks

We can mirror your NCB from your main policy on the megane to the clio meaning you get the benefit of full NCB on both policies. Plus if you can reduce the mileage of the Clio to below 5000 (hopefully can with you having the 250 for daily use) this would lead to a very competitive quote.

If you wanted to PM me your number id happily call you and run an indication quote through on monday?

i know your megane is with us, but for other people in the same situation we can mirror the NCB from your daily driver...the main car doesnt have to be insured with us to qualify.

Best Regards
Neil
Greenlight Insurance 01277 376000

 

[M.C..]

Thanks Neil sent you a PM

 

[Cup_Phil]

That's really interesting - most people wont mirror the NCB, just give you a bit of a discount

My main car (Passat) has my 10+ years NCB on it but they wont mirror that onto the Clio so it costs me a fortune.
Clio definitely does less than 5k a year but adrian flux still wanted £650 for it (I'm 33, no points or convictions) lol

Both are up for renewal in March so I'll give Greenlight a call

I was gonna give these guys a go - http://www.keithmichaels.co.uk/specialist-car-insurance/2nd-car-insurance/ as thats what they seem to specialise in

 

[Luke.]

I was also wanting to know the answer to this, if I have my BMW as my daily but use my Clio as a Summer Fast Road/Track Car, can they do like a short term policy where they know I'm only driving it for 6months of the year on the road and the rest it is stored..

With a Rollcage and Race Seats and a modified engine, I want to get the most reasonable quotes possible.. Anyone have any idea?

 

[Knuckles]

Plus if you can reduce the mileage of the Clio to below 5000 (hopefully can with you having the 250 for daily use) this would lead to a very competitive quote.

Could he limit the mileage to say 1000 per year just to cover driving to and from the track? Or does the track mileage (on a private road/track) have to be included in the annual mileage?

Sorry if that's a daft question

 

[Pauleds]

My Clio is insured with David Auden insurance as a modified vehicle, all bits and pieces declared and also covers me for road rallies and its £375 tpft

Not sure if they cover just track cars though but might be worth a call.

 

[Tony Hunter]

I'm sure Neil will be able to sort you out one way or another.

 

[Neil@greenlight]

That's really interesting - most people wont mirror the NCB, just give you a bit of a discount

My main car (Passat) has my 10+ years NCB on it but they wont mirror that onto the Clio so it costs me a fortune.
Clio definitely does less than 5k a year but adrian flux still wanted £650 for it (I'm 33, no points or convictions) lol

Both are up for renewal in March so I'll give Greenlight a call

I was gonna give these guys a go - http://www.keithmichaels.co.uk/specialist-car-insurance/2nd-car-insurance/ as thats what they seem to specialise in

Yes we can definitely help. We are happy to mirror Ncb fully.....it's better from our point of view thst you have a daily car as it keeps the mileage of your clio and it becomes less of a daily commuter and into a pleaseure/weekend toy.

Drop me a PM in march when its due and ill happily run a quote for you. I think you will be very happy with the mirrored NCB quote.

neil
greenlight

 

[Neil@greenlight]

I was also wanting to know the answer to this, if I have my BMW as my daily but use my Clio as a Summer Fast Road/Track Car, can they do like a short term policy where they know I'm only driving it for 6months of the year on the road and the rest it is stored..

With a Rollcage and Race Seats and a modified engine, I want to get the most reasonable quotes possible.. Anyone have any idea?

Rather than do short term insurance which normally works out more expensive you could do an annual policy with a lower mileage. The price would probably work out similar to a 6 month policy but would give you the benefit of being able to use the car occasionally during winter to keep the wheels moving.

plus it would be covered all year round in case it got stolen or damaged while off road.

 

[Neil@greenlight]

Could he limit the mileage to say 1000 per year just to cover driving to and from the track? Or does the track mileage (on a private road/track) have to be included in the annual mileage?

Sorry if that's a daft question

The only way for the insurer to record the mileage is on the milometer reading so there wouldn't be a realistic way to record what you did on track.

To be honest a track day will probably only add 75-150 miles to the car so if you covered for an extra 1000 miles on your policy it would be ideal. The difference between 3000 and 4000 miles on a quote wouldn't be much at all.....we can also cover your car on track from £45 per day as well.

neil

 

[Knuckles]

The only way for the insurer to record the mileage is on the milometer reading so there wouldn't be a realistic way to record what you did on track.

To be honest a track day will probably only add 75-150 miles to the car so if you covered for an extra 1000 miles on your policy it would be ideal. The difference between 3000 and 4000 miles on a quote wouldn't be much at all.....we can also cover your car on track from £45 per day as well.

neil

Great, cheers

 

[len_beach]

Do you cover Clio's now Neil?

You didn't when I rang in May.

 

[Neil@greenlight]

Do you cover Clio's now Neil?

You didn't when I rang in May.

We have always covered the cliosport models but we had a problem with the 172 cup model before. We have new schemes now that can cover the cup model so can definitely help with a quote for you next time.

The pic in your avtar is a silver car....excuse my ignorance but weren't all clio cups blue??

neil

 

[Luke.]

Rather than do short term insurance which normally works out more expensive you could do an annual policy with a lower mileage. The price would probably work out similar to a 6 month policy but would give you the benefit of being able to use the car occasionally during winter to keep the wheels moving.

plus it would be covered all year round in case it got stolen or damaged while off road.

Thanks for your quick reply, is this a sort of service you can offer come the summer time when I put it back on the road?

 

[Neil@greenlight]

Thanks for your quick reply, is this a sort of service you can offer come the summer time when I put it back on the road?

No problem you are welcome.

Definitely will be able to help we have 3 different underwriters offering the NCB mirror and track day cover option so will happily be able to quote come the summer.

 

[Fletcher]

We have always covered the cliosport models but we had a problem with the 172 cup model before. We have new schemes now that can cover the cup model so can definitely help with a quote for you next time.

The pic in your avtar is a silver car....excuse my ignorance but weren't all clio cups blue??

neil

No they also came in iceberg.

Interesting thread. Just the sort of thing I am after soon.

 

[Neil@greenlight]

No they also came in iceberg.

Interesting thread. Just the sort of thing I am after soon.

never knew that.

I can help with a quote if you want just drop me a PM with your contact number and ill run you a quote personally ....liking the coloured wheels on yours. It might be a picture but yours looks like matt silver paint, looks good mate.

Neil
greenlight

 

[Neil@greenlight]

Just wanted to confirm that on our mirrored Ncb policy you will also start to build up a separate no claims bonus on your track day/weekend car. So eventually you would end up with two sets of Ncb.

also the cover isn't like some stripped down Motorsport policies....with us you would still get windscreen cover, legal cover, courtesy car and EU cover. All your mods are covered like for like as well.

 

[Fletcher]

never knew that.

I can help with a quote if you want just drop me a PM with your contact number and ill run you a quote personally ....liking the coloured wheels on yours. It might be a picture but yours looks like matt silver paint, looks good mate.

Neil
greenlight

Good stuff. I'll drop you a PM soonish mate. My 172 is currently SORN, so am in no hurry.

My avatar is a Photoshop. Mores the pity :dapprove:

 

[M.C..]

Thanks to Neil for calling today and giving me a great quote for a 2nd track car, I was very surprised, hopefully when I get everything sorted out I will be calling you.

 

[Neil@greenlight]

Thanks to Neil for calling today and giving me a great quote for a 2nd track car, I was very surprised, hopefully when I get everything sorted out I will be calling you.

No problem at all, gald to help.

When you find the right car just give me a call, its ready to go when you are mate.

It will also help reduce the Megane policy when it comes up for renewal next as you will be insuring two cars with us it will give you a two car discount off that as well.

Best Regards
Neil
Greenlight
01277 376000

 

[M.C..]

No problem at all, gald to help.

When you find the right car just give me a call, its ready to go when you are mate.

It will also help reduce the Megane policy when it comes up for renewal next as you will be insuring two cars with us it will give you a two car discount off that as well.

Best Regards
Neil
Greenlight
01277 376000

thats even more of a bonus

 

[shiftspark]

Just wanted to confirm that on our mirrored Ncb policy you will also start to build up a separate no claims bonus on your track day/weekend car. So eventually you would end up with two sets of Ncb.

also the cover isn't like some stripped down Motorsport policies....with us you would still get windscreen cover, legal cover, courtesy car and EU cover. All your mods are covered like for like as well.

I was with REIS which didnt cover windscreens etc I will give you a call as I want a quote for a standard 172 to use for sprinting.
Cheers

 

[Djw Dave]

This has turned into a great thread. I'll be in touch when I've sorted a daily driver.

 

[Cup_Phil]

Neil - can you guys cover cars with full roll cages in? My clio cup is obviously a track car so is very modified. A lot of companies I ring won't insure roll cages any more

 

[shiftspark]

Best to ring him he has just given me a very good quote, but I forgot to ask about a cage lol

 

[Adam.]

Neil - can you guys cover cars with full roll cages in? My clio cup is obviously a track car so is very modified. A lot of companies I ring won't insure roll cages any more

Greenlight gave me a belter of a quote on my fully caged 182 with all the mods listed. Sub £600 @ 22 years old.

 

[jon_r]

I've used Competition Car Insurance for mine this year. Is limited to 1000 miles, but in reality I've used the car on the road 5 times in the last 10 months. It's a complete waste of time really, but you have to have it. I started my ncb from scratch as well with them. I think it's come in at about £220 for the year.

I think i'll shop around in March when it's due for renewal, but it's so highly modified that I really struggled last year.

I'd much prefer a daly policy or something where i'd just pay for the days i use it!

 

[Neil@greenlight]

Hi Guys

Yes we can cover roll cages not a problem.

Best Regards
Neil
Greenlight Insurance
01277 376000

 

[M.C..]

It looks like this is keeping you busy Neil,
we can talk about commision later

 

[Neil@greenlight]

Lol only if you wear a greenlight illuminous green onesie to the next clio meet you go to.

I'm happy to help mate everyone on here are always great to deal with so ill do what I can to assist

 

[Sam@NP]

Just a quick note to say Motorsport specific insurance companies do road legal track car cover limited millage, trackday cover etc.

 

[Neil@greenlight]

Just a quick note to say Motorsport specific insurance companies do road legal track car cover limited millage, trackday cover etc.

Only downside of the motorsport insurance is that you dont normally gain NCB, plus the cover is usually stripped back to exclude things like windscreen cover and foreign travel etc. Its often cheaper to look at a regular modified road policy with reduced mileage for a car used for amateur track days.

Also some of the Motorsport insurers will require you to hold a current MSA licence and compete in regular events.

 

[Tony Hunter]

Only downside of the motorsport insurance is that you dont normally gain NCB, plus the cover is usually stripped back to exclude things like windscreen cover and foreign travel etc. Its often cheaper to look at a regular modified road policy with reduced mileage for a car used for amateur track days.

Also some of the Motorsport insurers will require you to hold a current MSA licence and compete in regular events.

Tis true that.

 

[Cup_Phil]

Yeah I want to get european cover (ring trips) and windscreen cover etc... Motorsport insurance is fine but if something goes through the windscreen while I'm out having a weekend blast I don't want the £££'s bill lol

 

[jon_r]

Worth noting that all you with rollcages and seats heading out to the ring this year for TF days may run into problems at the barrier if they are of a certain design - that's if you can find insurance that doesn't excluse the Ring anyway!

CCC were fine with me not having a motorsprt license, but they did want to see that i was a member of a motor club.

 

[Cup_Phil]

Yeah been reading about that - it seems to be door bars higher than dash, unpadded cages and bucket seats that wrap around stopping you from looking to the side.
I'm waiting to see what people say who go in the first half of the year.