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Spammy was asking on my behalf.
The track day is at Castle Combe and is not timed, then there is the Renultsport one coming up in July and again that isnt timed. I phoned my insurers (Liverpool Victoria) and asked about track days and they said they wont insure for them. However as you imply the exclusions include Racing,pacemaking, speed trials ..... since we arent timed I guess that means I am insured.
Big risk tho if they argue the point after a prang. Thanks for the advice I will go back to Liv Vic...
Renault Laguna Coupe
This comes up regularly at this time of year.
1. Unless you can get written confirmation from your insurance company that your policy covers trackdays you should assume that it does not.
2. Trackday specific policies are very expensive. As a general rule of thumb it will cost as much to insure your car as you paid for the trackday itself.
3. The cover you get is poor - it isnt like regular insurance. Youll be insured for a specific sum (say £10,000) and therell be a large excess (often around £1,000). This is ok if you write your car off, but less good if you hit a tyre wall and need a few panels and some paintwork.
4. Remember theres no concept of blame on a trackday. If another car hits you up the rear its still your problem.
Personally Ive never bought trackday insurance since I bought my first policy and discovered how rubbish the cover was. Doing fast laps is generally a lot safer than the journey home if you play by the rules.
Renault Laguna Coupe
As I said - very expensive and crap cover. I couldnt afford to do trackdays if I had to pay an extra £150 for insurance every time! Fair play to those who can though.
Renault Laguna Coupe
^^^ I would not rely on this approach
I have never bothered with track day insurance. I was very worried about not having it until I actually went on track and realised that you would have to be driving very badly to do a lot of damage to your car. Usually there are good run off points on most of the circuits so there is nothing to hit.
Like Mike said, the policy you get is rubbish and the excess is massive which makes it all a bit pointless anyway.
Just IMHO of course but I am not going to bother getting track day insurance.
MarkCup
ClioSport Club Member
Im at Castle Combe on 30/06...is that when youre there?
I got a quote from Competition Car Insurance, and for £11,000 cover with £1,100 excess it was £134!!!
I know theres a risk, but like Mike says, there can be an awful lot more risk during normal day-to-day driving, so Im not going to bother with it.
My insurers, Elephant, specifically quote "track days" as an exclusion too
Renault Laguna Coupe
Trackday organisers are getting very good at spotting idiots these days. Briefings are very thorough, and everyone knows where and how they are allowed to overtake. People who ignore the rules get black-flagged and sent home. This happened to at least 2 drivers at Pembrey last weekend (Caterham R500 and Porsche 944 Clubsport).
Renault Laguna Coupe
It was hilarious - they both carved Val up while she was having her lesson - Ed was in the car at the time doing a slow lap to show her the lines. He just got on the radio and that was the end of that - no more driving!
Quote: Originally posted by MarkCup on 09 June 2004
Im at Castle Combe on 30/06...is that when youre there?
I got a quote from Competition Car Insurance, and for £11,000 cover with £1,100 excess it was £134!!!
I know theres a risk, but like Mike says, there can be an awful lot more risk during normal day-to-day driving, so Im not going to bother with it.
My insurers, Elephant, specifically quote "track days" as an exclusion too
Me and Oldman are going down this saturday the 12th, so wont be seeing you down there! Need to see whether hell be getting any insurance cover or not.
MarkCup
ClioSport Club Member
Let me know how you get on with the 182...
V
v6Max
If you use Greenlight they will insure you for trackdays if you car policy is with them. It costs me 85 quid per trackday to get existing protected NCB cover extended to cover the trackday. The reserve doubles but it seems worth it.
The standard of driving is normally higher on a trackday and in theory it is safer than a public road but you will be driving at 10/10ths and things do go wrong. You are much more likely to have an accident because of yourself rather than some other idiot crashing into you because a proper TDO will have good marshalls and a quality briefing.
I did not bother with insurance until I went to Hethel and watched a BMW flip into the air, roll-over and land on its roof. The drive got out but no way was he even remotely likely to be able to tow the car out and drop it in a hedge/ditch whatever. As a sobering thought the accident happened at only about 40 mph but even at that speed 1 and 1/2 tons has a lot of kinetic engery and it has to go somewhere if the gravel stops you dead.
Quote: Originally posted by jon_r on 09 June 2004
Problem is though you have to pay £1450 before you can get anything repaired! And thats a fair few panels.
Theres always the old " drag the car out onto the main road trick"
Thats the thing with insurance, its never worth it until you actually have a big crash.
just got a quote from Competition Car insurance for the Renault TRack day and they have quoted me £111
Thats £13k insured with an excess of £1300. This includes accident damage cover for rolling chassis and body shell (excluding Engine and transmission).
How does that sound to people? DOes it mean that if I crash into another car it isnt covered as it didnt roll and that if it is a frontall collision the engine gets mashed it isnt covered?
Just doesnt sound like very good cover to me, or is this the norm?
cheers
