Track day insurance
A track day is the chance to test your driving skills and your car’s performance free of speed cameras and Sunday drivers. But standard car cover won’t cut it on a circuit - you need dedicated track day insurance.
Hitting the tracks tests your driving and your car to the limit. But, however good your driving is, there’s a much higher chance of an accident than there is when you’re pootling round town or heading into work.
This means you need specialist track day insurance.
What is track day insurance?
Track day insurance covers accidental damage your car sustains while it’s on the circuit.
This includes any collisions you have with barriers, as well as any crashes you’re involved in with other drivers.
Unlike standard car insurance policies, track day insurance is unlikely to cover any damage you inflict on another vehicle.
So if you hit a fellow track driver who doesn’t have their own insurance, it’s on them to fund any repairs they may need to make.
Track days are also considered specialist events, so normal car insurance policies won’t cover any damage your car sustains on a track. You need a bespoke track day policy to cover you.
If you’ve ever had a bump on the track before, you’ll know that rolling your wheels into the barriers can make for a brutally expensive day out. The sting might be all the more painful if you’re driving a high-performance car.
But there’s plenty of track day insurers who can sell you cover, so you can satisfy your need for speed without worrying about your wallet.
Visit our specialist track day insurance provider Grove & Dean for a quote
Get a quote
Or call 01708 606768 to speak to a member of their team
How does track day insurance work?
Most track day policies are temporary. You usually take them out for a single day, but some offer you cover for a few days in a row. This is handy if you’re planning a multi-day trip to the track.
Regardless of policy length, you might still only be covered for damage to your own car.
So any damage you inflict on another driver’s vehicle is their responsibility – they won’t be able to claim on your policy.
This makes track day insurance a particularly good idea if you’re speeding around a circuit shared by other drivers.
If you’re hit, your policy should cover any repairs you need to make. If you’re hit with no policy in place, the repairs are on you.
Here’s a rundown of other aspects of track day cover you may find handy:
Track day insurance can cover most UK and European circuits for cars up to a pre-agreed value. So it doesn’t have to be the full value of your car but a specific value agreed between you and your insurer.
Buying a track specific policy can mean your daily driver no claims bonus is protected.
Some policies are track-specific. Some circuits are simply more dangerous than others, especially when weather conditions deteriorate, so costs can vary from track to track.
You can buy temporary track day cover for privately owned cars and leased ones – though check with your lease company on your options.
Why do I need track day insurance?
Put bluntly, if your car incurs any damage on a track day, your standard car insurance policy won’t cover it, even comprehensive car insurance.
What does track day insurance cover?
Track day insurance should cover you for any accidental damage to your car. Fire damage shouldalso be covered.
However cover can often be tailored specifically to your needs with optional extras including:
While most insurance policies won’t cover engine or transmission issues, you can often bolt-on extra cover for a fee.
What doesn’t track day insurance cover?
Before you hit the tarmac, there’re a few exclusions to be aware of.
Depending on your policy this may include:
Damage sustained during races or time trials
Use of your car on public roads
Mechanical breakdown of your engine or gearbox
Fire, unless it’s caused by an impact on the track
Any damage sustained while someone else is driving your car
As cover varies between track day insurance policies it’s worth checking with your insurer exactly what you’re covered for before signing up.
To make sure your policy does exactly what you want it to, it’s also worth asking your insurer:
Is fire damage covered?
What about any damage to spare parts or tool kits?
Are any tracks excluded from my policy – or is it track specific?
What’s the situation with journeys to and from the circuit?
How much does track day insurance cost?
There are a number of factors insurers consider before calculating your track day insurance cost.
The market value of your car
Your age - younger drivers pay more and under 21s can’t usually be covered
Your excess - track day insurance excesses are usually between 5%-7% of the car’s value, typically starting at a minimum of £750
Scope of cover required
The number of days you’ll be needing cover - you may get discounts for multi-day cover
The track you will be driving on - insurers see long straight tracks as lower risk than winding or technical routes
How can I get cheap track day insurance?
The cost of your track day insurance is influenced by many things that are out of your control – such as your age. But there are a few ways you might be able to keep your costs down
Here are nine quick tips that could help you cut the cost of your cover:
Pay a higher voluntary excess. The more you pay, the cheaper your premium could be.
Build up a record of track day experience over time. Some insurers offer discounts if you can point to some track day history.
Don’t put your mates on a policy. Multiple drivers could push your premium up sharply.
Multi-day cover is usually better value. If you buy a block of days and don’t use them up, the premium for the unused days might be refunded. But check before buying. Not all policies offer this.
An admin fee is usually added on top of your premium. So if you buy a policy with multiple days, you pay once. Another small saving compared to buying a one-off day.
Insurers tend to look favorably on older drivers, as they have more experience on the road. So, if you have a few more years under your belt on the track your insurance could be cheaper.
The safer the track, the cheaper the cover might be. So pick tracks with plenty of space and run-off areas. Both Blyton Park and Bedford’s Autodrome are good examples of this.
The more modifications on your car, the more it might cost to insure. Try and keep these down. If you’ve modified your vehicle – brakes, suspension and engine upgrades, for example – you must disclose them. If not, your insurer’s within their rights to refuse to pay out.
Opt for less cover. Insurance for half a day is cheaper than a full day out.
How do I compare track day insurance?
It’s quick and easy to compare track day insurance quotes with our specialist partner, Grove & Dean Motorsport Insurance.
Is personal injury cover included with track day insurance?
Protection for personal injury cover isn’t included on most track day policies. Track days are all about your own risk – at least as far as the insurance world goes.
That’s why track days exclude third party liability. Some insurers might offer personal accident track day cover as a bolt-on.
The cover might not be that broad but may pay out in the event of permanent disability or death.
Depending on the insurer, income protection might also be found if you shop around. Income protection could help you cover your outgoings if you’re injured and can’t work. This could be especially handy if you’re self employed.
Some insurance companies may want proof of income while other companies won’t for this type of cover. So do shop around.
Does track day insurance cover me for driving my track car on the road?
No, track day insurance covers you while you’re on the circuit and that’s it.
You may also find out that your standard car insurance won’t cover your track car on the road either.
This is often due to the high value of performance cars, which makes them trickier – not to mention more expensive – to insure. Modifications you make to your track car can also cause issues with insurance, making it even harder to find standard road insurance.
But cover does exist. Modified car insurance policies are tailor-made to cover kitted out cars, and should provide you with cover for everyday driving. Likewise with high performance car insurance.
You might need two separate policies – one for track days, one for on-the-road driving. But if you look for it, you should be able to find the cover you need.
There’s a few other things to consider before taking your track car out on the road, too.
Car tax and MOTs can be tricky, and you need to ensure your track car is road worthy. This means its seatbelts, tyres, indicators and lights must be in good working order.
Getting ready for your track day experience
Do I need track day training beforehand?
You do! Formula One drivers are always learning from their instructors. So it’s likely the rest of us can pick up a few track tricks too.
Some track day operators offer tuition from the Association of Racing Driver School instructors.
They know the circuit well and should be able to offer suggestions on how to get the best out of your track day experience .
While you may have a good sense of your car’s potential from local fast roads or motorways, you may not be familiar with the track itself.
Your instructor should know the circuit’s best braking and exit points. They should also be able to update you on weather conditions and their impact on the track’s surface.
If you’re new to the track day experience, perhaps choose a track with plenty of extra space or run-off areas. Blyton Park’s a good example.
Give your car a thorough check before getting to the track:
- Your brakes are likely to get a real work-out. So if you’ve got some brake fade, sort it beforehand.
If you haven’t changed your brake fluid in a while, it may have a lower boiling point. So get it changed ahead of track day. The same goes for your engine oil.
Tyres are your only contact with the road so make sure they’re properly inflated. Under-inflated tyres have less grip and more flex. If they’re over-inflated you also have less grip, plus the risk of overheating.
Fuel – make sure you’ve enough. You won’t fancy sneaking off to the nearest petrol station halfway through your track day! Your fuel consumption is likely to take a big dive on the track so it’s worth filling up.
If you have any questions about your cover, double check with your track day insurer before you get behind the wheel.
Do I need insurance for supercar experiences?
If you’re not driving your own car on a track day but someone else’s vehicle – perhaps a supercar – be careful with the small print.
It’s possible to drive incredibly powerful supercars around a track for £40-£60 a go.
Even if you’re insured you could still be liable for thousands in excess if you over-do it, or are found to have driven recklessly. So do ask for clarity if you’re not sure about your liability situation.
If you’re worried about having to shell out a pretty penny for any damage you cause, track day cover could help here too.