When you arrange a single day cover, they need to know much more than just your additional drivers DOB. They need to know all about you, your history, your car, the track, the date, the organiser. How is doing that every single time easier than calling your road provider and telling them about a temporary driver. Of course none of that really matters, it’s all about the cost. My road policy with 5 trackdays is £230. Given your cheapest quote there, it would be £675 for 5 track days and that doesn't even include the road cover! Like I said, it’s just not cost effective to do it that way. Personally, I'd get a road policy with track cover included and that will cover 90% of situations. Then if you want to surprise a mate for their birthday, you can pay £135 for a single day policy and still be cheaper overall.