Your Guide To Track Day Insurance
What is track insurance?
If you want to compete in track day competition and events then track day insurance is recommended.
Your car insurance is not going to cover you and therefore it might end up being very costly if you have to pay for the damage yourself.
What does it cover?
Usually track day insurance covers the following:
Fire & Loss Damage
Accidental Damage
Engine and gearbox transmission
Single event cover
And you can add those as an extra:
European cover
Multiple events
Personal Injury
Use this comparison to find the track day insurance policy that gives you the cover you need.
What does it NOT cover?
Public liability
Cosmetic damages
What happens if I damage someone's car?
It is usually a common rule in track racing that everyone is responsible for their own cars - meaning that in the case you accidentally damage someone's car they will be responsible for repairing costs.
What happens if my car has gone modifications?
Modifications mean higher premiums
However, it is really important to declare any modifications your car has undergone, otherwise your provider can refuse to accept your claim.
How much does track day insurance cost?
This varies greatly depending on the value of your car and the agreed excess. It could be anything from £80 depending on your age and experience.
Q
Do you need track day insurance?
A
Legally no, but it is unlikely that your car insurance will cover you if you take part in track day events
Q
Do you need to have experience?
A
No, however more insurers provide discounts for experienced drivers.
Q
Do you need a different car for the race?
A
Yes, most providers will only insure you if you have a second car and insure you on the road for only your travel to the event.
A
Yes, location can influence price as some tracks are wider and less likely to result in collision.
About our track day insurance comparison
Q
Who do we include in this comparison?
A
We include track day insurance policies available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA).
Q
How do we make money from our comparison?
A
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services.
Q
Do we offer the comparison service for free?
A
Yes, it's completely free for you to use, whether or not you take out a policy. You also do not pay any extra to our panel, the deal you get is not affected.
