Peter Mears Posted July 1, 2014 Share Posted July 1, 2014 Phoned Adrian Flux ( insurance with them) to cover the car on Monday at Anglesey and after 20 minutes on the phone they came back with £130 plus over a grand of excess. Not ever bothered with insurance for track but as this is an open event and not just caterhams thought it might be worth it. Any suggestions for a less expensive cover. What happens if you run into someone and damage their car for instance? Link to comment Share on other sites More sharing options...
Red SLR Posted July 1, 2014 Share Posted July 1, 2014 What happens if you run into someone and damage their car for instance? Your solicitor and their solicitor get $$ signs in their eyes... Link to comment Share on other sites More sharing options...
Red SLR Posted July 1, 2014 Share Posted July 1, 2014 Sorry I realise that was not much help! 😬 Link to comment Share on other sites More sharing options...
Smithy7 Posted July 1, 2014 Share Posted July 1, 2014 Only ever been on open events so can't speak for Caterham only events and I've never seen a car to car incident. Believe it or not drivers of vehicles other than sevens also love their car as much as we do. Anglesey's an excellent circuit, it also has plenty of run off space if you need it. Are you doing both circuits? Dave Edited by - Smithy7 on 1 Jul 2014 16:39:55 Link to comment Share on other sites More sharing options...
Jonathan Kay Posted July 1, 2014 Share Posted July 1, 2014 My and other recommendations, including this year's quote, are in multiple threads in the archives. Jonathan Link to comment Share on other sites More sharing options...
Roger Ford Posted July 1, 2014 Share Posted July 1, 2014 That's not unusual for one-off cover. That's why most people try to get it with their policy. But try Moris. By custom and practice, everyone covers their own damage. But that doesn't stop someone from making a claim from you if they choose to, and no insurance will cover that. I believe you would need to be shown to be negligent in some way for the claim to succeed. Link to comment Share on other sites More sharing options...
Peter Mears Posted July 1, 2014 Author Share Posted July 1, 2014 No seriously, say someone t bones you and does not have insurance or you do the same? ok thanks, slow typer Edited by - Peter Mears on 1 Jul 2014 16:41:56 Link to comment Share on other sites More sharing options...
Red SLR Posted July 1, 2014 Share Posted July 1, 2014 It can become quite the mess, but as with most things the more you think about it the less chance you have of actually going and enjoying yourself. So, I would suggest take a few precautions (on and off track) and enjoy yourself. If things are getting a bit silly just back out of it and get yourself some space - or if its getting really silly report the people to the TDO. Link to comment Share on other sites More sharing options...
ChrisC Posted July 1, 2014 Share Posted July 1, 2014 It the general understanding, if you run into the back of a car, you pay for your damage to your car. I have seen this in practice at my last track day where a guy in a RS6 (driving like a ar$e) tried to overtake on a bend against the rules of the day. He hit the wheel on a mini and dented every single panel down the side of his RS6. The mini had no damage apart from a bizarre inside out dent on the wing no bigger than a door ding dent. The RS6 guy tried to claim the mini turned in on him, but it ended up being told to sort his car out himself, as did the mini owner. But there was that case of the 7 on Pistonheads where the insurer chased a 3rd party to court for the value of the 7 he had written off. I feel track day cover is an important part of my insurance package for my 7, I couldn't afford to replace my 7 if the worst was to happen (but happy to pay extra excess), so its what i look for during renewal. I get 5 free track day covers per year. its your risk 😬 Edited by - ChrisC on 1 Jul 2014 16:52:20 Link to comment Share on other sites More sharing options...
Smithy7 Posted July 1, 2014 Share Posted July 1, 2014 Quoting Red SLR: It can become quite the mess, but as with most things the more you think about it the less chance you have of actually going and enjoying yourself. So, I would suggest take a few precautions (on and off track) and enjoy yourself. If things are getting a bit silly just back out of it and get yourself some space - or if its getting really silly report the people to the TDO. Seconded Dave Link to comment Share on other sites More sharing options...
Peter Mears Posted July 1, 2014 Author Share Posted July 1, 2014 Thanks for the replies, Moris has quoted £94 online and I think I will take that up just for peace of mind. The excess is a grand but if you think about it if I asked JW to rebuild the car he may well charge a little more than that 😬 Link to comment Share on other sites More sharing options...
Jonathan Kay Posted July 1, 2014 Share Posted July 1, 2014 That's what I came up with as best for me. If you need more than one day/ year with MORIS it's cheaper to bundle them. Jonathan Link to comment Share on other sites More sharing options...
Peter Mears Posted July 1, 2014 Author Share Posted July 1, 2014 Thanks again all done. Now I know how much it will be I can cost it onto my regular policy that renews in August, cheers. Link to comment Share on other sites More sharing options...
FramerateUK Posted July 1, 2014 Share Posted July 1, 2014 I pay £45 per trackday with Greenlight. I stick with them since they're one of the few insurers that'll cover under 25 year olds. (I'm 29 but my other half is 23 and drives the car too). Link to comment Share on other sites More sharing options...
Guest Posted July 1, 2014 Share Posted July 1, 2014 Quoting ChrisC: I have seen this in practice at my last track day where a guy in a RS6 (driving like a ar$e) tried to overtake on a bend against the rules of the day. He hit the wheel on a mini and dented every single panel down the side of his RS6 I remember this guy Chris - he overtook me under brakes at the hairpin on my first lap of the day. I just saw him in the mirror at the last moment and I backed out of the corner - he would have destroyed my pride and joy... 🙆🏻 🙆🏻 I had a similar quote from flux and decided to risk it - At renewal time I will get track cover included. Tom Link to comment Share on other sites More sharing options...
Jonathan Kay Posted July 1, 2014 Share Posted July 1, 2014 Quoting FramerateUK: I pay £45 per trackday with Greenlight. *arrowup*What's the cover and excess on that? Is it tied to any other insurance? Thanks Jonathan PS: Greenlight Edited by - Jonathan Kay on 1 Jul 2014 17:31:32 Link to comment Share on other sites More sharing options...
Mick Day Posted July 1, 2014 Share Posted July 1, 2014 Pete For the last 15 years I've always self-insured for track days. If you factor in the insurance premium, plus the excess (10% of value??), then assuming I don't stuff it too often self-insurance comes out tops. What's the worst that usually happens?? Long front??? Assuming no engine damage then self-insurance comes out in front plus you get to upgrade the car!!! Link to comment Share on other sites More sharing options...
Mick Day Posted July 1, 2014 Share Posted July 1, 2014 However what are the consequences of running into another car on track?? A few years ago we all relied on the disclaimer we signed. However I wonder how others will view this & decide to sue regardless? And then there is personal injury ????? Link to comment Share on other sites More sharing options...
Roger Ford Posted July 1, 2014 Share Posted July 1, 2014 Quoting Mick Day: However what are the consequences of running into another car on track?? A few years ago we all relied on the disclaimer we signed. ... without reading, it seems . Disclaimers protect the track owners and trackday organisers, never the other drivers. Link to comment Share on other sites More sharing options...
Z3MCJez Posted July 1, 2014 Share Posted July 1, 2014 If you run into someone on a track day and it can be shown you were negligent, then you could be on the hook for the other person's injuries and property damage. Many TDOs have changed their disclaimer this year after the Snetterton fiasco last year to try and introduce some level of acceptance that there is no liability between users, but I think that fails in law if you are negligent. Get out there and enjoy it, but follow the rules and be courteous, both when passing and being passed. Track day incidents involving more than one car that I've seen have usually come from frustration. As to self-insurance winning in the long run, isn't that the point of insurance? You de-risk to an affordable cost for a certain size of loss (called a premium). If you can't afford to (or choose not to) bear the full risk, you insure. If self insurance lost in the long run then everyone would insure and the insurance companies would lose money ... Jez Link to comment Share on other sites More sharing options...
FramerateUK Posted July 2, 2014 Share Posted July 2, 2014 Quoting Jonathan Kay: Quoting FramerateUK: I pay £45 per trackday with Greenlight. *arrowup*What's the cover and excess on that? Is it tied to any other insurance? Thanks Jonathan PS: Greenlight Edited by - Jonathan Kay on 1 Jul 2014 17:31:32 It's counted as part of the main policy --so my road policy would be affected as a result of a claim. It covers damage to my own car through an accident but would not cover mechanical failures such as an engine or gearbox going "pop". The standard excess is doubled (mine goes to £500 for trackdays). As for every trackday cover, it's a worse case scenario cover - but one I'm willing to pay. For £45, my petrol usage and insurance for the day is still cheaper than the petrol alone in my other car would have been, so definitely worth it for me. EDIT: Just to clarify, it's for me only, no 3rd party cover at all. Edited by - FramerateUK on 2 Jul 2014 10:35:12 Link to comment Share on other sites More sharing options...
Jonathan Kay Posted July 2, 2014 Share Posted July 2, 2014 Thanks Jonathan Link to comment Share on other sites More sharing options...
Myles Posted July 2, 2014 Share Posted July 2, 2014 I've never insured on track - I've always felt that it focuses the mind and works the same way as responsible-gambling. If you can't 'afford' (in any sense) to lose it, don't risk it. I stuffed my 7 I to the Anglesey pit wall ten years ago - damage was minimal but required chassis work, re-skin, rack and precautionary suspension components. Even given all that, I doubt I'd have taken much home after paying the excess. On-track behaviour is one thing though - off track another. Some muppet clonked my Westie in the pit lane at Knockhill last year - an Elise driver who had (not for the first time that day) blown an oil line on track and was not concentrating as he tried to get it back into pit in one piece. He cracked some fibreglass on my bodywork - nothing worth pursuing other than some measured words at the time - but it just goes to show that there will always be a degree of risk. Some of which might not be worth the hassle of pursuing as a formal claim. Link to comment Share on other sites More sharing options...
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