Track Day Insurance

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Oldconn
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Track Day Insurance

Post by Oldconn » Thu Dec 07, 2017 6:30 pm

This is really one for the "compies": Do you chaps need special Insurance cover for Track Days? If so , where do you go to find it, and how much does it cost? Are you able to buy one-day cover, or do you buy a whole year? -and what exactly does it cover which you don't get on your everyday policy? :)

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Track Day Insurance

Post by Roger Pennington » Thu Dec 07, 2017 7:21 pm

Competition and Track Days are different things.

If you want insurance for non-competitive track days, then you may find that's covered by your normal classic insurance (maybe subject to certain conditions, like for example, you may need to belong to the organising Club). Certainly that was the case when I did track days, and AFAIK without digging out the docs, I'm still covered for that (at least in the Yellow Peril).

On the other hand, I believe insurance while competing tends to be very pricey, and something which most compies I've had dealings with tend not to bother with (at least at an amateur level, anyway).

[note - my comments apply to the UK of course]


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Oldconn
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Track Day Insurance

Post by Oldconn » Thu Dec 07, 2017 9:32 pm

Thanks Roger, I didn't think to look for the motorsport discussions . The non-competitive element is important, obviously, but do they(the insurers) accept the risk on a closed track without any extra premium? -and don't organisers check your public liability insurance, or is that covered by theirinsurance? Do I understand correctly that you can compete in a sprint or a hillclimb in the UK without the organisers insisting on special insurance?


"When I grow up, I want to be me"
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Track Day Insurance

Post by scimjim » Thu Dec 07, 2017 10:02 pm

Events run under an MSA licence (including exemptions) are covered for public liability and personal accident risks (this therefore, doesn't cover your car or anything on a public road)

I don't believe track days are run under an MSA licence or exemption?

https://www.msauk.org/assets/405-409ins ... dix2-1.pdf


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Track Day Insurance

Post by CNHSS1 » Thu Dec 07, 2017 10:18 pm

As Roger says many classic and specialist insurers can cover trackdays. Competitive motorsport on the other hand is different, no road car policy will cover that, but again you can get insured per event but it's hefty premium, usually in the £100s per event so 90% don't bother. I know a guy that was paying £1200 per hillclimb to cover his hired single seater!!! Ouch!


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Track Day Insurance

Post by Oldconn » Thu Dec 07, 2017 10:56 pm

Thanks Jim, that's interesting reading. They do things differently over here. What I am trying to establish is whether British drivers could come over here and take part in a non-competitive event similar to a track day, without being obliged to take out special cover for the day;also, whether organisers over here can accept cover provided by a UK Insurer. It's quite complicated.
Thanks Craig, there's a difference straight away - French companies exclude trackdays from their normal cover, and insist on charging extra event by event.


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Current: SE6A; 998 Mini.Previous: Morris Minor,Ford8, Cortinas Mk1 &2,MG Midget 1932,Morgan 3W 1934,Lagonda Rapier,Honda S800, Austin Maxi,Citroen GSA, Riley ElfMk2,Peugeot 505,Rover 420 SDI

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Track Day Insurance

Post by scimjim » Thu Dec 07, 2017 11:07 pm

as Roger said, some Classic policies might cover track days but most mainstream insurance policies will specifically exclude it.

There's a few threads around - this one has some examples?

but obviously, this is all for track days in UK, so being abroad will add another complication (although we're still in the EU, so UK insurance is valid in all of Europe unless otherwise specified)


Jim King

Current: SE5 (8Ball), TI SS1 (snotty), 1600 SS1 (G97), 1600 SS1 (C686CCR), 2.5TD SE5a (diesel 5a), 6 x random other SS1s.
Previous: SE5, 3 x SE5a, 2 x SE6a, 3 x SE6b, GTC, 2.9i GTC, 3 x 1600 SS1, 1300 SS1, Mk1 Ti Sabre, Mk1.5 CVH Sabre
Chief mechanic for: 1400 K series SS1 (Megan3), 1400 CVH EFi SS1 (Grawpy), Sabre/MX5 auto (The Flying Broomstick),
1300 SS1 (Number One) & Sarah's coupe.
CURE THE FAULT - NOT THE SYMPTOMS

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Track Day Insurance

Post by Roger Pennington » Fri Dec 08, 2017 3:09 am

AFAIK most UK Trackdays are run to guidelines issued by either AMRCO (Association of Motor Racing Circuit Owners) or ATDO (Association of Track Day Organisers). In the case of Goodwood, it was AMRCO.
The ATDO code of practice is here, after a quick google I can't actually find the AMRCO one online, but IIRC it was similar.



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Track Day Insurance

Post by Oldconn » Fri Dec 08, 2017 12:47 pm

Thanks everybody for your input. It seems in UK the drivers are all thinking about the value of their cars, which does not concern me here. It's the Public Liability question which is uppermost ,and that seems to be where the difference between UK and the Continent lies. A Trackday takes place on a track,ie:private land; so damage to the infrastructure only concerns the organising club and the track owner. Over here we hold events on closed public roads which belong to the public authorities, and are surrounded by private property belonging to multiple owners, so the risk has to be insured by the people taking part. With your help, I have answered my own question. :)


"When I grow up, I want to be me"
-Kermit Weeks
Current: SE6A; 998 Mini.Previous: Morris Minor,Ford8, Cortinas Mk1 &2,MG Midget 1932,Morgan 3W 1934,Lagonda Rapier,Honda S800, Austin Maxi,Citroen GSA, Riley ElfMk2,Peugeot 505,Rover 420 SDI

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Track Day Insurance

Post by scimjim » Fri Dec 08, 2017 1:55 pm

Ah, you didn’t mention public roads. Events on public roads in UK have to be covered by MSA (whether competitive or otherwise, including exemptions). Unlike France where the local mayor probably controls these things, there’s a network of national officers to make sure the RAC rally doesn’t conflict with the RSSOC international :-)

https://www.msauk.org/Clubs/Route-Authorisation


Jim King

Current: SE5 (8Ball), TI SS1 (snotty), 1600 SS1 (G97), 1600 SS1 (C686CCR), 2.5TD SE5a (diesel 5a), 6 x random other SS1s.
Previous: SE5, 3 x SE5a, 2 x SE6a, 3 x SE6b, GTC, 2.9i GTC, 3 x 1600 SS1, 1300 SS1, Mk1 Ti Sabre, Mk1.5 CVH Sabre
Chief mechanic for: 1400 K series SS1 (Megan3), 1400 CVH EFi SS1 (Grawpy), Sabre/MX5 auto (The Flying Broomstick),
1300 SS1 (Number One) & Sarah's coupe.
CURE THE FAULT - NOT THE SYMPTOMS

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Track Day Insurance

Post by CNHSS1 » Fri Dec 08, 2017 3:15 pm

Where are you if not UK??


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RIP Batmobile, await the Rise of Dark Knight 8)
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Track Day Insurance

Post by scimjim » Fri Dec 08, 2017 4:57 pm

Ian is in France.


Jim King

Current: SE5 (8Ball), TI SS1 (snotty), 1600 SS1 (G97), 1600 SS1 (C686CCR), 2.5TD SE5a (diesel 5a), 6 x random other SS1s.
Previous: SE5, 3 x SE5a, 2 x SE6a, 3 x SE6b, GTC, 2.9i GTC, 3 x 1600 SS1, 1300 SS1, Mk1 Ti Sabre, Mk1.5 CVH Sabre
Chief mechanic for: 1400 K series SS1 (Megan3), 1400 CVH EFi SS1 (Grawpy), Sabre/MX5 auto (The Flying Broomstick),
1300 SS1 (Number One) & Sarah's coupe.
CURE THE FAULT - NOT THE SYMPTOMS

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