Track days are about responsible fun and insurance is essential if you want to enjoy yourself properly without the financial worry. Insurance isn't normally mandatory but ignorance is no excuse, know and accept what's covered before venturing on track.
Some road insurers provide specialist policies incorporating track day cover for ATDO-member organised events as an extension of the policy. These policies have special terms regarding excesses and the cover whilst on track is different to that on public roads. If none of this sounds familiar it's safe to assume you're not insured. Depending on what you drive and how many track days you plan to do these policies can be cost effective. The only downside is they will affect your No Claims Bonus should you need to make a claim.
Specialist insurers that specialise in motorsport provide good value insurance policies just for on track. These policies can vary so it's worth asking about the details and third party damage etc. Make sure you get the right policy for you!
Things to consider when comparing quotes:
Some road insurers provide specialist policies incorporating track day cover for ATDO-member organised events as an extension of the policy. These policies have special terms regarding excesses and the cover whilst on track is different to that on public roads. If none of this sounds familiar it's safe to assume you're not insured. Depending on what you drive and how many track days you plan to do these policies can be cost effective. The only downside is they will affect your No Claims Bonus should you need to make a claim.
Specialist insurers that specialise in motorsport provide good value insurance policies just for on track. These policies can vary so it's worth asking about the details and third party damage etc. Make sure you get the right policy for you!
Things to consider when comparing quotes:
- Which circuits are covered (UK and Europe)?
- Which organisers are covered?
- How many events per year?
- Is the vehicle fully covered?
- Is my passenger covered?
- Am I covered?
- Are third parties covered? (including the circuit who could charge for repairs)
- What if someone else is responsible?
- How much is the excess?
- Is recovery and storage included?
- Who will organise any recovery?