Does anybody take out track day insurance? What do you pay?

If anyone can recommend an insurer for a 23y/o male driving a Fiesta ST that would be great.

Would just be for 1 or 2 days on Croft or maybe Ford Fair.

I dont bother when im on the bike mate, yes its a risk but one im willing to take.

i dont bother if im honest

the cheapest quote i got for ford fair last year was £173

the cheapest i got for brands hatch was £183

however if you are insured with greenlight they do it for £50 and double your excess no questions asked

Dunno if I could enjoy being on the track without it

trust me, you'll love it regardless mate

you will love every min of it, after you get a feel for the surface and the corners its so much fun!

Just google track insurance there is loads or call need to insure, or boncarster

I'm not sure track day insurance is worth it. It's expensive and they usually have a very high excess anyway so if something does happen you still have to shell out quite a bit. Add that to possible maintenance costs (oil, tires and other little things) and it can be an expensive day out. If you go to a well organised track day you won't have to worry. You are not racing at a track day (I'm not even sure they time you), so just allow faster cars past and keep a good distance from other cars. Track days are more just to allow you to drive your car on a track within your comfort zone and your own pace. People are generally very well behaved and won't race you or put you in a situation of danger. There are marshals there as well to make sure everyone is having a good safe time. I did a day at Oulton park and was worried about insurance but I was getting silly quotes so said screw it and went for it. It was an absolute blast and at no point did I come close to having an accident. Just be sensible and you'll be fine. Most people there are in the same boat driving much more expensive cars.

Accidents can happen though

(I'm pretty sure they would to me anyway )

Maybe I'm just a worrier... Though I did see some people spin off at Ford Fair and I bet if you asked them they'd say they thought they were driving safely

i have full rsoc track insurance for the rs and would not go on any track with out it but thats just me

It's not just the case of you driving sensibly though, you don't know how other people are going to behave and then I guess you could have a lengthy legal case to go through to get the other party to pay for the damage. The other way on, if you were unfortunate enough to cause a crash then without insurance I think you'd be personally liable for any damage caused to third parties, any damage to barriers etc on the track? Or am I missing something?

i'll be getting it if i go round silverstone at ford fair this year

thats the problem with track insurance as ST07 said... most cover the minimum

for £173 it would cover any cost of the track for recovery and any injuries...

i would still have a wrecked car and if i was to come together with someone else they would be left with a damaged car so not much point if you ask me

Got a quote of £75 from towergate.co.uk.

This Cover is for on event accidental damage and covers:
- The cost of parts
- Repairs to parts
- Fabrication
- Specialist Labour
- Engine & Transmission (due to impact damage)
This cover does not include routine dismantling and reassembly, or engine and transmission due to mechanical
failure.
Fire cover is for fire as a consequence of an impact with an object other than the surface of the road.

I'm gonna call greenlight and see what they cover when its time for ford fair

What happens if someone crashes into you tho, and theyre not insured? Be very hard to prove fault at the end of the day, and if you dont have insurance either wouldnt it be a case of you both pay for your own damage despite them being at fault? Also, can you take your car on track if you dont own it, ie. loan?

i think finance companys can be a bit iffy but dont know about loans

Edit: Done some reading at it seems you are accepting liability for your own car regardless of who is at fault so your insurance covers you and you alone. 3rd party is expected to cover their own damage.

Quote:

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What happens if someone crashes into you tho, and theyre not insured? Be very hard to prove fault at the end of the day, and if you dont have insurance either wouldnt it be a case of you both pay for your own damage despite them being at fault? Also, can you take your car on track if you dont own it, ie. loan?

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I wouldn't dream of taking on track without insurance!

If someone crashes into you, you are liable for your own car

Wouldn't go on track without insurance, although a cheap car I would
What insurance is the RSOC Kenny?

Im not gettin insured jus gona take it easy and let others pass if they get close

Driving like a grandad then??

Haha dont get my wrong im gonna smash it im just gonna stay clear. Well I say that I think those who have seen my try n drive sensibly know that it doesnt go well

Hahahahaha is Harry potter coming down to help??

Fookin right he is! He lives under the bonnet and never comes out

lmao to put it nicly people he will be kissing your bumper if he is near you,
no 30mph limit on track tez itll be the two fingers and im off!

cant wait. as soon as I see orange in my mirror il be swervin all over the place michael schumacher style!

I'm not getting in between you two

Wel see I can be quite defensive when theres a supercharger up my arse

I was thinkin that hahaha. Maybe im playin mind games with you so ul be scared to overtake me

hmmm interesting

That awkward moment when you realise Tez has got no chance against dwain even with old potter on board

Potter might upgrade his wand tho! And I still havnt named my car! As it has to be a woman il call it hermione! Coz shes fit and magical

Haha pmsl surely dwains would be hermione as its orange and magical

Don't know another potter female character sorry Tez

Nooo mines Hermione! Dwains can be Ron

Haha pmsl

Hahaha owh

£50 from greenlight and double the excess in the worst case scenario so i'm covered from sunday

Not too bad that, unless ur excess was £500 to begin with......

My excess is £750 do I'd be screwed lol

ouch

Nah think.its.400 or 300 my excess