Track day insurance

[sbloxxy]

Just phoned my brokers to check my track day cover and they've told me they want £62 per event (this is in addition to my usual policy fee)and I'll have a £2000 excess. This sounds over the top to me but they reckon most policies will be similar. What do you think? The track day is a non PCGB event, which is part of the reason, so they say, but it is organised by a professional organization (Knockhill Circuit Ltd).

 

[sbloxxy]

Just been browsing the Pistonheads site (quiet day at work...) Lots of stories about people who have pranged their cars in a big way while at trackdays. That £62 is starting to sound cheap for peace of mind, given that Knockhill has lots of armco and other solid things to hit if it alll goes wrong. The general consensus seems to be that if the trackday is at an airfield, insurance is not such a big deal as there's little to hit but at a conventional track, its worth paying extra for. The other point mentioned was that its worth considering buying a cheapo car just for trackdays, if you're going to do more than a few.

 

[Fen]

The first trackday I ever did was way back when it was quite a new idea (1992 I think) and was at Knockhill. Back then you turned up, got a briefing and two laps in the back of a Sierra 1.8S (woo-hoo!) and then paid a tenner for 15 minutes on track and rejoined a queue. One stoppage was for an Escort RS Turbo (2 or 3 years old at the time) that had slid down most of the bank of the outfield at Duffus dip (where Tarquini had the most spectacular BTCC crash ever) on its roof. Supposedly it was the young lad's Dad's car and he had it without consent. It looked like even the stereo was toast as it was covered in mud. Personally I went with the cheap car for trackdays idea (but it went a bit wrong somewhere...)