Daily insurance tracking – everything you need to know

You think you’ll be sane, you’ll take it easy, and you won’t push your car hard – you absolutely don’t need on-track insurance. But then you find yourself in front of an empty lane, a quickly winning Renault Sport Clio comes in behind, and all the promises you made in the lane disappear completely. Instead, you go chasing other cars, those with twice the horsepower, go faster than you intended and work on your car harder than you ever imagined.

To stay at a moderate pace on a track day requires the kind of willpower that few humans possess. And while you may be a very safe driver, accidents do happen, so some form of insurance is worth it. If you are enjoying your pride and happiness, and the car you are using is very likely to be on the right track, it is worth taking precautions, as normal car insurance is unlikely to cover you on the right track.

However, Trackday insurance isn’t the same as your daily on-the-road coverage, and it’s not immediately clear what the differences or benefits of pure track coverage would be. So we spoke to Adrian Flux, a typical daily trail insurer, to find out why you need trail insurance and what it covers you for.

> evo Trackdays 2022: dates, tickets and reservation information

What are the main differences between regular road insurance and motorway insurance?

The main difference between the two is that day insurance tends to exclude third party liability. For the policyholder, this means that a vehicle that is on track is only insured against accidental damage, fire and theft. [In other words, your car is covered for collision damage regardless of whether the accident was caused by you or another driver, but you are not covered for any damage you cause to another car. That said, it’s a generally accepted rule at trackdays that each driver is responsible for damage to their own car, whoever caused it.]

What criteria can reduce the cost of insurance on the right track? Does experience, for example, reduce cost?

Yes, the previous day’s experience can lower the insurance price. Also, agreeing to a voluntary increase may lower the cost. The policyholder agrees to a voluntary excess amount when the insurance is made, and it is added to the mandatory increase in the event of a claim. The higher the optional excess, the lower the premium is likely to be. But the policy holder must choose an appropriate amount for them.

It’s worth noting that policies can be route specific, and covering some locations can be more expensive than others. In general, tracks with larger run-off areas are likely to result in cheaper insurance on the daily track.

Do cars modified to fit the daily route help reduce cost, or, as with road car insurance, increase premiums overall?

In Adrian Flux, adjustments made to cars used on track days do not affect the price of track insurance premiums. As a professional insurer and motorsport enthusiast, we understand that many vehicles used on race days are likely to be modified in some way, shape or form.

Trackday insurance can be purchased for individual events or for an entire season. How many track days do you need to attend for the latter option to be more cost-effective?

This is a question that is difficult to give a direct answer to. As an insurance broker, we use a number of different insurance companies to find the right coverage at the right price for our clients. We cannot say that the policy holder needs to complete X number of days of the track to get cheaper daily insurance. This is because it depends on a variety of other factors, including individual risk, and the different insurance companies we use have different views on this.

Is daily track insurance different from motorsport insurance, and how?

Yes, there is a difference between the two. Motorsports insurance covers policyholders participating in a competitive activity, while those who have daily coverage on the track to compete is not covered. So daily track insurance tends to be cheaper. Adrian Flux also offers track day insurance for cars and motorcycles that covers hill climbs, tow strips, and even events organized by clubs, magazines, and manufacturers.

Does the insurance cover the recovery of the damaged vehicle?

If the vehicle is damaged during a track day, the track day regulator will arrange to take the vehicle out of the circuit itself. The insurance company will then collect the vehicle if it is impassable, or in an impassable condition after the accident.

Although most UK-based insurers, European routes may not be included, so check your policy before heading to Spa or Paul Ricard. It is unlikely that public Touristenfahrten days at the Nürburgring will be covered by either road or on-track insurance.

What is the cost of on-track insurance?

These examples of quotes are based on the assumption of a 40-year-old man, living in Bedfordshire, with no convictions and no incidents. Cover for one event (at the Bedford Autodrome).

2010 Porsche 911 GT3 (997.2), Approx. £110,000

£730 with an increase of £5,000.

2010 Renault Sport Clio 200 Cup, approx value £7,500

£89* with an increase of £1,000.

Learn more about car tracking, days tracking and driving tracking through the links below…

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