Track Day Vehicle Insurance Guide

Trackday Car InsuranceMore people in the United Kingdom are choosing to enjoy their vehicles as much as they can in the relatively secure setting of the track on track days. Track days are days organized by a number of clubs and companies that allow car enthusiasts to gather and drive and demonstrate the merits of their vehicles.

All sorts of cars from super cars like Porsche’s, Ferraris, and Lamborghini’s all the way to cars built from kits at home and every day, regular stock hatch and sports cars may be present at the track.

What are some of the risks involved in track days?

While track days can be extremely enjoyable outings for car enthusiasts, when you get down to the fine print in terms and conditions offered by track day regulators, you may be surprised to discover that there is a considerable amount of risk involved in participating in a track day. As an example, any damage that is caused to the track course may fall upon the driver involved in the damage to provide payment for repairs. There are also numerous other risks involved, such as the armco barriers provided at tracks that can be significantly expensive, or the risks of major oil spills occurring on the track. The liability involved in a day at the track, therefore, can quickly spiral out of control.

Will these risks be covered by my current insurance policy?

You should not make the mistake of assuming that your current car insurance policy will cover you for damages incurred during a day at the track, as most insurance policies have specific provisions in them that exclude coverage for track days. Furthermore, when a track day begins, you will frequently be provided with some sort of disclaimer to sign, and once you have signed it, you will not be able to file any claims against the people responsible for operating and managing the track. Furthermore, such disclaimers frequently outsource the responsibility for any damage caused to your vehicle to you, even if other people are the ones who cause the damage to your car.

Do modified car insurance providers include track day cover?

If you have already embarked upon a policy with a specialist provider of modified car insurance, you may be happy to find out that they also offer extra cover for your days at the track. However, you might find this is not an option or the cost of the option is too far beyond your budget. In that case, you can rely on a number of different specialist car insurers on the market who can provide you with insurance cover while you are on the race track. This is known as track day car insurance.

What do I need to know about track day car insurance?

You should read over the terms and conditions of your track day cover carefully so you have a full understanding of which things are and are not covered by the insurance policy. For example, a good place to start is researching how much cover you will have for situations involving personal injury. If you are unfortunate enough to be involved in an accident while at the track, you may not be able to work for some time, and you will need some source of income.

Furthermore, look for any exclusions or qualifications in the policy that are related to damage incurred upon your vehicle. Most often you will find that there is no cover for damage to the transmission, wheels, engine, and the tyres. There is also the very real risk of fire; when you are on the track for a full day the temperature of your engine and brakes may increase far beyond the levels you would experience during a day of normal driving, and a small leak from a fuel hose or an oil line may result in a lot of damage.