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(Post Link) post #1 of 22 Old 26-08-10 Thread Starter
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Track day insurance

I'm going on a Cloverleaf Club track day at Knockhill on 23 Sept. Do I really need insurance for this? I can't really see anyone behaving like prats on this. If so, where is the best place to go.
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Dont know of anyone but i think i would insure it as you never know what could happen, if your anything like me if you dont do it something will happen but if you do insure for the day nothing will happen, thats how my luck seems to be anyway
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The cost is quite high, usually with a big excess.

The consensus at the CL trackday at Oulton was that it wasn't worth paying for. As you say, you aren't going to be going crazy, you all sign disclaimers so the worst scenario is binning your bella. Just so long as you remember you aren't trying to set a new lap record and you are all there for enjoyment it should be OK.

But if in any doubt it is clearly better to have it. Read the terms carefully though. A quick google will find plenty of trackday specialist insurers.


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(Post Link) post #4 of 22 Old 26-08-10 Thread Starter
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Quote I got was around 117 with 1500 excess.
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That's a lot for a day and the Ts & Cs probably don't cover damage to anyone else's property.

It's a tough call but most seem to pass on it from what I heard.
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Adrian Flux now do track day insurance cover.
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Morning

If anyone would like to query about trackdays, please pm me your details! Please confirm if you are with us or not, and some details, ie full name, postcode/reference, vehicle details including any mods.


Cheers
Dan
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Quote:
Originally Posted by Dan Clark View Post
Morning

If anyone would like to query about trackdays, please pm me your details! Please confirm if you are with us or not, and some details, ie full name, postcode/reference, vehicle details including any mods.


Cheers
Dan
Dan,

While everyone's personal quote will be different according to car, value, age etc it would be helpful if you could post some typical track day insurance costs so everyone reading gets a rough idea which will inform a wider audience than the individual PM's? It might ultimately lead to greater take up if members think it is fair value.
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Hi mate,

I was at Castle Combe last weekend and had track day insurance for about 100 from www.moris.co.uk, excess is 1000 or so. I drive a 2007 Gt. Excess is generally around 1k for cars worth less than 25k I think. This inculudes crashing and if your car catches fire and "burns up".

During the day there were 3 crashes or accidents:

1. A Caterham lost wheel arch...dont know what he hit
2. A Z3 roadster went into a marshalls observation concrete post "sidways", having spun off the road, impact at about 30 mph (that will cost more than a few quid to sort).
3. Something else....didnt see just saw the red flag and the ambulance go out.

Whilst you may not crash/hit anything you could have a problem if someone spins infront of you, hits you or you swerve to avoid and end up in the tyre wall sideways etc. (check you tube castle combe clips). This can happen whatever you drive.

Depends how much your car is worth and how deep your pockets I suppose (for repair work).

Cheers,

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Quote:
Originally Posted by 73GTVJim View Post
Dan,

While everyone's personal quote will be different according to car, value, age etc it would be helpful if you could post some typical track day insurance costs so everyone reading gets a rough idea which will inform a wider audience than the individual PM's? It might ultimately lead to greater take up if members think it is fair value.
Hi

I have requested some details from one of our quotes team managers, and as soon as i have received back some information i will advise!!


Cheers
Dan
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(Post Link) post #12 of 22 Old 29-08-10 Thread Starter
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Quote:
Originally Posted by Dan Clark View Post
Morning

If anyone would like to query about trackdays, please pm me your details! Please confirm if you are with us or not, and some details, ie full name, postcode/reference, vehicle details including any mods.


Cheers
Dan
PM sent as I have 2 policies with you.
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(Post Link) post #13 of 22 Old 01-09-10 Thread Starter
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Flux called with a quote yesterday. 117 with 1500 Excess. In the email I got from them a few weeks back said that they provide track cover from 63. This must be for an 80 year old in a Nissan Micra on an empty track.

Cloverleaf days are low risk. Not impressed AF!!!!
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Quote:
Originally Posted by rickyw View Post
Flux called with a quote yesterday. 117 with 1500 Excess. In the email I got from them a few weeks back said that they provide track cover from 63. This must be for an 80 year old in a Nissan Micra on an empty track.

Cloverleaf days are low risk. Not impressed AF!!!!
That was what I was talking about. Short of a total write off it is worthless cover.

There is, of course, the risk of a total write off.
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(Post Link) post #15 of 22 Old 01-09-10 Thread Starter
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That was what I was talking about. Short of a total write off it is worthless cover.

There is, of course, the risk of a total write off.

Yep, certainly looks that way. I thought that Flux would cut us some slack as being the official AO insurer & me being a current customer.

I have been a spectator at a number of track days (Alfa & others) and in general I have never seen anything that would not want me to take my car on track.

Cloverleaf days must be one of the lowest risks as we are not out to wreck our cars. Hot hatch days on the other hand..........

Over to you Dan, what's your thoughts?
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Quote:
Originally Posted by 73GTVJim View Post
Dan,

While everyone's personal quote will be different according to car, value, age etc it would be helpful if you could post some typical track day insurance costs so everyone reading gets a rough idea which will inform a wider audience than the individual PM's? It might ultimately lead to greater take up if members think it is fair value.
Hi Alfa Owners

Adrian Flux Insurance Services are pleased to be able to offer Track day insurance cover on an individual basis to our existing policyholders.

We had received a number of enquiries from enthusiasts who belong to Clubs and enthusiasts and below are a number of example Quotes for Alfa drivers:-


5k Alfa Spider
Silverstone
63
40yr old male

7k Alfa 156
Croft
77
25yr old female

10k Alfa Mito
Donnington
77
27yr old husband + wife


For those that wish to obtain a quotation for any Club or otherwise organised Track Day we'd welcome your enquiry. Please call us on the Club dedicated number: 01553 845 872.

Thanks
Dan
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(Post Link) post #17 of 22 Old 06-09-10 Thread Starter
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Quote:
Originally Posted by Dan Clark View Post
Hi Alfa Owners

Adrian Flux Insurance Services are pleased to be able to offer Track day insurance cover on an individual basis to our existing policyholders.

We had received a number of enquiries from enthusiasts who belong to Clubs and enthusiasts and below are a number of example Quotes for Alfa drivers:-


5k Alfa Spider
Silverstone
63
40yr old male

7k Alfa 156
Croft
77
25yr old female

10k Alfa Mito
Donnington
77
27yr old husband + wife


For those that wish to obtain a quotation for any Club or otherwise organised Track Day we'd welcome your enquiry. Please call us on the Club dedicated number: 01553 845 872.

Thanks
Dan
Why did my quote come out at 117?

Thanks
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Quote:
Originally Posted by rickyw View Post
Why did my quote come out at 117?

Thanks

Dear Richard,

Firstly many thanks for responding to our email regarding Track Day cover that we can offer existing policyholders.

In response to your question we feel the premium quoted reflects the value of your own Alfa - which we have as 19K. As you can see from those 'mock' quotations provided these are all based on car values far less than your own (in many cases more than half the value).

I hope that this is accepable and if you wished to discuss further please do not hesitate to contact us.

Kind Regards

Dan
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You just can’t go wrong at those price they all seem very good value. For the peace of mind it is worth every penny.
If I am going to go and do a track day I am going to push my bella to the maximum of my ability (I hope not beyond lol) as are others on track so accidents are going to happen.

The motorsport teams and driver that want insurance for a test day are having to pay over 6 times that amount and probably for less track time so the price above in comparison are very good.
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Assuming you dont have insurance what do you do if someone else also without insurance crashes into you? Do you/can sue them? Or have you signed away all rights in the T&Cs. A small bump may be Ok but what about something more serious or personal injury?
 
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Dan, many thanks for taking the time to publish some examples. These seem more likely to tempt people. Just wondering how big the excess is but nonetheless it sounds closer to what you'd pay to give protection against the worst outcome.
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Assuming you dont have insurance what do you do if someone else also without insurance crashes into you? Do you/can sue them? Or have you signed away all rights in the T&Cs. A small bump may be Ok but what about something more serious or personal injury?

If you embark upon any Track Day without appropriate trackday cover and you are hit by another participant they are not liable for any damage to your vehicle. As the usual road laws defined in the RTA (Road Traffic Act) don't apply you would have to adhere to the T&C's which would almost certainly state this.

With regard to our own Trackday cover the following is provided:-
What is covered:



Accidental Damage Fire and Theft.
What is not covered:



What is not covered - Section 1 (Liability to others), Section 2 (Driving other cars), Section
3 (Legal costs), Section 4 (Towing), Section 7 (In car entertainment), Section 8

(Windscreen), and section 10, 11 & 13 (Personal Accident, Belongings and Medical

Expenses) at any time while driving on or entering or exiting a track, which is used at any

time for track day events,

In addition you will naturally have an increased excess imposed which under our policies would be a minimum of 750 and increasing according to value.

A vehicle valued at between 15001 to 20,0000 would incur a 1750 policy excess for Accidental Damage.

We hope that this clarifies the situation and if you require any other info please feel free to PM us.

Kind Regards
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