Trackday insurance

[Craigus]

Right, I don't know much about this. May be able to search but can't be ars*d TBH.

I got a quote for £40 for trackday insurance with MORIS. Seems very cheap considering I'm only 19?

Does the insurance only cover your own car?

Say I drive into the back of an Aston and do 50K damage, does the Aston drivers insurance cover his own car, or does my insurance pay for it? So if he had no insurance he would have to take it on the chin?

 

[Sym0n]

Yeah only your car and the policy holder, or named drivers, are insured usually. But you'd need to check with the company issuing your policy as it could cover third party too...but I doubt it.

But yeah you take your car on the track at your own risk.

 

[Craigus]

So your not liable for driving like a tool and smashing someone else's car to bits, even though they may not be very happy with you? Even if you are clearly in the wrong?

(I'm not planning on driving like a n0b btw!)

 

[Sym0n]

Nope. It's the owner/drivers responsibility...although they may rip you a new arsehole.

 

[Craigus]

Lol, okay thanks mate,

 

[Greeny.]

Im defo getting insurance for my first track day next year, would be screwed otherwise, and of the sake of £40, its worth doing.

 

[richy22]

Dan its not always worth it though...for example £40 for trackday insurance but your excess doubles!

Well mine on Highway does apparently...I didn't bother when I did Rockingham at FCS. (mainly because I forgot!!)

 

[Ex-User (19928)]

I wouldn't bother for the cover you get.

If you crash your car, then you can claim.

If someone else hits you, you're not covered.

If you hit someone else, they're not covered (but you are).

So essentially, if you just take a bit of care, you won't crash, thus you won't need coverage.

 

[Sheila’s’ Wheels’]

I personally don't bother.

It starts making a 'fun' track day a bit expensive.

Just stay away from everyone else and concentrate on what you're doing. If you're driving within your limits and don't get involved with any ''My nobs bigger than yours'' racing then you'll be fine.

If someone wants to overtake, back off for two corners and you'll never see them again.

 

[richy22]

I personally don't bother.

It starts making a 'fun' track day a bit expensive.

Just stay away from everyone else and concentrate on what you're doing. If you're driving within your limits and don't get involved with any ''My nobs bigger than yours'' racing then you'll be fine.

If someone wants to overtake, back off for two corners and you'll never see them again.

Thats how I see it too... I got out of the way of knobs at FCS...although there was a cnut megane driver who overtook me on the right as I was turning into a corner.. t**t.

 

[Sym0n]

Eh?

That's b****cks. If you have track insurance you are insured no matter whether it's your fault or not. The only person not insured is the other car owner/driver and TBQFH that's their own tough luck. Like with all insurance you'll probably never use it, but for that little chance that you might have to paying a small premium to cover £2k+ of car is worthwhile IMHO.

Personally though I'd get seperate trackday insurance to normal road insurance, no change to your no claims etc then.

 

[Greeny.]

But then again, if some knob crashes into you whilist I am pottering about the track, im fucked, yes?

 

[Monaco Sean]

I plan on tracking in Dec.
I was initially going to get insurance but with an excess of £750 I really dont know if its worth it. just spend the £40 on a pad upgrade that shoul stop me a bit quicker

 

[Greeny.]

I plan on tracking in Dec.
I was initially going to get insurance but with an excess of £750 I really dont know if its worth it. just spend the £40 on a pad upgrade that shoul stop me a bit quicker

Wont stop people crashing into you though!

 

[Bazzon]

Look at it this way, its minimal cover,

do 5 track days a year =200 quid which means you could have done another track day.

Aslong as you drive well and in you limits you are fine, only people i ve seen have big offs are people getting involved with others. Or people who have not looked after their car and have massive mechanical issues on track.

 

[Monaco Sean]

Well even if you insure yourself and someone hits you your not covred are you?!

 

[Bazzon]

I plan on tracking in Dec.
I was initially going to get insurance but with an excess of £750 I really dont know if its worth it. just spend the £40 on a pad upgrade that shoul stop me a bit quicker

probalbly the worst time to start doing track days.

 

[Liambo-235]

I was planning on getting insurance too but my excess is 600 notes.. Fook insurance ill just behave and drive like a granny!

 

[Monaco Sean]

probalbly the worst time to start doing track days.

Tell me about it.
My birthday is mid Dec and its a birthday gift so late Nov early Dec its going to be.

 

[Steve]

I plan on tracking in Dec.
I was initially going to get insurance but with an excess of £750 I really dont know if its worth it. just spend the £40 on a pad upgrade that shoul stop me a bit quicker

What a typical CS w**k answer.

Get the insurance for peace of mind if need be.

Greenlight, you are covered if you run into or are run into.

Fecking muppets who don't know what they are talking about as usual, bet half have never even done a proper track day!

I've seen GT3 written off, on finance & not insured, you do the maths.

Oh & the insurance companies are not stupid they have agents who have details of cars attending. So if you do smash up & push to the nearest road ditch be prepared for a court date, fraud

 

[Bazzon]

Well if your doing a track day in your own car id hold out a bit longer, we had a trackday booked last year in novembre and it got cancelled due to snow twice or something and moved to late feb.

We plan to take our car off the road over the winter months.

 

[gashead1105]

I think track insurance is a no brainer if you're driving your everyday car - getting the separate policy through moris or competition car anyway. As far as I know, it covers you if you get hit by someone else. It's only £40 or so after all, and you can pay a bit more to insure the "excess" too with moris, so if you have a big accident you don't pay anything! Not sure about getting a trackday added to normal policy though - would probably impact your NCB if you had to claim.

If your car's only worth £500, it's not worth it though!

 

[Monaco Sean]

What a typical CS w**k answer.

Get the insurance for peace of mind if need be.

Greenlight, you are covered if you run into or are run into.

Fecking muppets who don't know what they are talking about as usual, bet half have never even done a proper track day!

I've seen GT3 written off, on finance & not insured, you do the maths.

Oh & the insurance companies are not stupid they have agents who have details of cars attending. So if you do smash up & push to the nearest road ditch be prepared for a court date, fraud

Aggressive response there isn't it ?!? It was said tongue in cheek!
Firstly I know the cars details are recorded, and Im not stupid and try to push it outside the track into the nearest ditch and fraud the insurance company.
No I have never been a full track day in the driving seat, hence my speeds are going to be fairly low in comparison to typical track day speeds.
Im not driving a GT3 worth £100,000 or whatever, and after excess I would get back £2000 if I did find the barrier. Yea sure it's £2000 I'd rather have but to be honest as its my first day Im going to be tip toeing around and generally getting the feel of the car.

They set the excess so high for a reason. Most damage on track is in the realms of a few hundred pounds not enough worthy of a full claim. Typically panels and suspension for most. Ofcourse its relative to the cost of those parts, on a clio they are fairly cheap to find. If I caused £2000 worth of damage, I would have to front the first £750 which I would not have anyway.

I do appreciate your point but I think its all relative to the car value, price of parts and excess. Ive weighed mine up and have provisionally decided I dont need it this time.

 

[gashead1105]

Aggressive response there isn't it ?!? It was said tongue in cheek!
Firstly I know the cars details are recorded, and Im not stupid and try to push it outside the track into the nearest ditch and fraud the insurance company.
No I have never been a full track day in the driving seat, hence my speeds are going to be fairly low in comparison to typical track day speeds.
Im not driving a GT3 worth £100,000 or whatever, and after excess I would get back £2000 if I did find the barrier. Yea sure it's £2000 I'd rather have but to be honest as its my first day Im going to be tip toeing around and generally getting the feel of the car.

They set the excess so high for a reason. Most damage on track is in the realms of a few hundred pounds not enough worthy of a full claim. Typically panels and suspension for most. Ofcourse its relative to the cost of those parts, on a clio they are fairly cheap to find. If I caused £2000 worth of damage, I would have to front the first £750 which I would not have anyway.

I do appreciate your point but I think its all relative to the car value, price of parts and excess. Ive weighed mine up and have provisionally decided I dont need it this time.

got to say mate, I disagree with the two points I've highlighted:

1. I don't know how old you are, but I'm 27 and a pretty sensible driver and let me tell you, once on the track all thoughts of pottering around go out the window - if the tyres aren't squealing you're not trying hard enough!

2. "Most damage on track is in the realm of a few hundred pounds..." I really disagree with this - from my (limited admitedly) experience, the only damage you do is going to be of the hugely expensive (i.e. write off) territory. At snetterton a few weeks ago, a 911 hit a barrier at the esses on its right corner, if he's lucky he's merely f*cked the suspension, if he's bent the chassis... As an example, you're doing your first trackday in december I believe? If it's wet (likely), all you have to do is put one wheel on the grass and, if you're unlucky, it will dig in, the car rolls and regardless of whether you hit a barrier or not, that's your car written off. Or you skid off, hit a barrier backwards or whatever, again you're in write off teritory - the grass isn't going to slow you down much. For £50 - £60 with MORIS, you can get cover for the whole value of the car - it's such a stupid decision not to take them up on it, IMO.

Anyway, where are you planning on doing it? If it's an airfield day you might be ok without it, but if it's a track day (castle combe's nearish you?) you're taking a big risk.

 

[Monaco Sean]

Well im not going to get into any heated debate or whatever but Im 21 for what its worth.
And my views were based on friends experiences and my limited trackside time on smaller local tracks/airfields such as Keevil where I intend to do my first trackday. Most of the damage I saw has been mechanical to be honest.
I didnt say trackday insurance isn't worth it full stop, ofcourse if you have a 911 and intend on tackling Donnington flat out it is indeed a no brainer. the excess is marginal to the value of the car, and well a 911 at donnington is a different league of trackday compared to me on an airfield.
But for me with the excess being almost 1/3 of the value of my car and mainly me not having £750 to put towards a repair bill if the car isn't written off kind of puts me off.
I really dont mind if people disagree, but I just didnt like Steve's response that seemed a bit over the top thats all. A lot of people in the post dont seem to take it out or essential yet I get flamed for it.....

 

[DOWNHUMAN]

I've always used Moris Motorsport and Rally. £40ish for a day - peace of mind is worth it!

 

[Steve]

Was at Mallory earlier in yr where a member on here who had no insurance.
He was having an excellent time right up until the time he lost it coming out of Gerards & stuffed in into the barriers.
Not being funny or aggresive just think virgins need to know it pays to be prepared as it's not always fun when it goes wrong.