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#498930 - 12/02/18 08:12 PM Insurance fun
Nickplus4 Offline
Learner Plates Off!

Registered: 03/10/16
Posts: 351
So, I am going on a track day in the spring. But my super cheap insurance through a major insurer cannot be extended to cover track days. Aha, I thought, I'd go to a specialist track day insurer. A few quotes in and I have changed my mind... clearly they are deemed high risk as the premiums for one day exceed that for a year on the road, with an excess of 10% of the value of the car. Plan B therefore. Cancel existing insurance and go through a Morgan specialist who allows track days. OK, so the premium is nearly twice as much, but I have the comfort of knowing they understand Morgans. Plus the "major insurer" have been good eggs and waived the cancellation fee since they are not able to cover me.

But then, what to do about breakdown cover... should I go to the new insurer or carry on with the independent cover from the "major insurer" (I took them out separately - don't ask). Turns out that was an easy decision. Like an idiot I had forgotten to take out the breakdown cover so I have had no cover for 4 months! Ah well, hopefully it will all be sorted in the morning and my lesson learned - cheapest is not always best value :-)

Nick

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#498951 - 12/02/18 10:23 PM Re: Insurance fun [Re: Nickplus4]
ewn Offline

Has a lot to Say!

Registered: 10/04/16
Posts: 1053
Loc: NE Scotland
Be mindful that trackday insurance only covers your car, if you hit someone else, it’s just tough on them. Likewise, if they hit you, it’s your insurance which fixes your car.

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#498973 - 13/02/18 08:05 AM Re: Insurance fun [Re: Nickplus4]
Nickplus4 Offline
Learner Plates Off!

Registered: 03/10/16
Posts: 351
I was wondering about how they allocated blame... that explains it. Hmm

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#498977 - 13/02/18 08:13 AM Re: Insurance fun [Re: Nickplus4]
Richard - Aus Offline

Member of the Inner Circle

Registered: 15/01/12
Posts: 14976
Loc: Perth, WA, Australia
Literally “knock for knock”.
_________________________
Richard
1976 4/4 4 Seater

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#499005 - 13/02/18 11:05 AM Re: Insurance fun [Re: Nickplus4]
DaveW Offline
Roadster Guru
Member of the Inner Circle

Registered: 11/12/08
Posts: 16952
Loc: South Yorkshire
I wouldn't want to be on a track with me aged 20.

Or even on the road if it comes to that.
_________________________
DaveW
2005 Corsa Red Roadster S1
2016 Saffron Yellow (Narrow) Plus 4

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#499013 - 13/02/18 12:18 PM Re: Insurance fun [Re: Nickplus4]
sospan Offline
Charter Member

Registered: 31/05/10
Posts: 5925
Loc: Llanelli
The main safeguard is to select the right track day. Try choosing one organised by a reputable firm who marshall them properly. Rules are set re grouping drivers by ability and experience and also overtaking procedures.
Remember, too, that it is not a race and sometimes better to let the idiots carry on.
A tip I was given for my excursions was extra use of your mirror over and above regular road driving.
_________________________
Red Plus8

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#499019 - 13/02/18 12:29 PM Re: Insurance fun [Re: DaveW]
MOG 615 Offline
Has a lot to Say!

Registered: 24/09/14
Posts: 1277
Loc: London
Originally Posted By DaveW
I wouldn't want to be on a track with me aged 20.

Or even on the road if it comes to that.


And that is precisely why I don't do track days. When I was racing I knew that my fellow competitors had some respect for me and my car , which was always driven to and from meetings. I also felt that most drivers had the skill and experience to be able to avoid problems.
The first track day I turned up at , gave me the impression that it was every driver for him/herself. I decided then and there I would retreat to stands and be happy taking pictures.
_________________________
Andy G
1999 +8 , Indigo Blue.
Ex-John McKecknie/Mike Duncan 1955 +4 racer.

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#499026 - 13/02/18 01:20 PM Re: Insurance fun [Re: ewn]
howard Offline
Part of the Furniture

Registered: 01/01/09
Posts: 4111
Originally Posted By ewn
Be mindful that trackday insurance only covers your car, if you hit someone else, it’s just tough on them. Likewise, if they hit you, it’s your insurance which fixes your car.


I thought it was the opther way round. The cover was for people you hit but not for yourself. After all, you might well be legally liable for cars you hit so thats the real risk

One thing for certain - it isnt comprehensive cover as for road use.


Edited by howard (13/02/18 01:21 PM)

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#499037 - 13/02/18 02:21 PM Re: Insurance fun [Re: Nickplus4]
sprinty Offline
Talk Morgan Regular

Registered: 27/11/07
Posts: 573
Gott and Wynne cover me for any track days I do with other providers as a private individual. It’s free as part of the Morgan insurance. You just have to let them know in advance. If I’m using my cars for clients to hire then I insure them through Lockton/MIS who also supply my liability insurance for when I run track days. As has been said not all track day providers provide the same quality. You are safer on a track day with fewer participants that is well policed. Fewer cars means a higher track day cost but more room on the circuit . Prices range from below £100 to £300 for the same track depending on provider. In general people with nicer cars drive more carefully.
_________________________
Roadster Lightweight
4/4 Sport Competition
www.classic-tracks.com
Track days for classic cars

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#499044 - 13/02/18 03:11 PM Re: Insurance fun [Re: MOG 615]
Graham, G4FUJ Offline
Salty Sea Dog
Member of the Inner Circle

Registered: 03/07/07
Posts: 21692
Loc: Cheltenham, Glos. UK
Main reason I only do track days on Sprint & Hill Climb courses Andy! I'm the only one out there - if I mess it up it's on my head only smile

John, I hope the new venture is working out?
_________________________
Graham (G4FUJ)

D8921 L44FOR '93 4/4 Giallo Fly 2 seat smile
'90 LR 90 SW
'07 MINI Cooper

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