Track day car insurance

Driving your own car around a race track is an exhilarating experience, giving you the freedom to hit top speeds and really test your driving skills. Finding the right car insurance can be tricky, especially if you’re using your vehicle for everyday driving as well as track days. Here’s what you need to know.

Driving your own car around a race track is an exhilarating experience, giving you the freedom to hit top speeds and really test your driving skills. Finding the right car insurance can be tricky, especially if you’re using your vehicle for everyday driving as well as track days. Here’s what you need to know.

Daniel Hutson
From the Motor team
4
minute read
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Posted 15 JULY 2021

Do I need specific insurance for track days?

Most standard car insurance policies won’t cover you for track days because of the risks involved. After all, you’re free to reach speeds that would be illegal on the road.

So, whether you drive a sports car, classic car or a hot hatch, it’s important to check what cover you have before heading to the circuit.

In most cases, you’ll need to take out a separate policy from a specialist track-day insurance provider. If the car you use for track days is the one you also use for everyday driving, you might need two types of car insurance – one policy to cover road use and one to cover events.

What does track day insurance cover?

Track day insurance is designed to cover the cost of repairing or replacing your car if it gets damaged while you’re taking part in a non-competitive track event. This could be at a disused airfield or a famous motor-racing circuit, like Silverstone or Goodwood.

Track insurance will generally cover your vehicle for any accidental damage, regardless of whose fault it is. You can choose single or annual track day insurance depending on how many events you attend. Cover could also include:

  • fire damage
  • personal injury
  • modified cars
  • journeys to and from track events
  • specific UK and European track events
  • tools you keep in your car for maintenance

Track day cover typically doesn’t include third party liability, which means you’ll only be covered for damage to your own vehicle.

What if my car has modifications?

Some drivers choose to soup-up their cars to really make the most of the track-day experience. But if your car has undergone any modifications, or had any parts changed, you’ll need to let your insurance provider know. If you don’t, you could invalidate your policy.

In many instances, car modifications – such as if you’ve made the engine more powerful, fitted a spoiler, lowered the suspension or added alloy wheels – could lead to higher premiums.

If your car is heavily modified, you might need modified car insurance that allows for track days.

Can I use my race car on the road?

Track day insurance will typically cover you for journeys to and from race circuits, as well as car shows and officially recognised owners’ club meetings.

But it’s unlikely to cover your race car if you want to use it to pop to the shops or do the school run. If you use your car for daily activities like commuting and running around town, you’ll usually need a separate policy to cover this.

Always check with your insurance provider if you’re unsure about what you can and can’t do.

What happens if I get injured on a track day?

Fortunately, most people will emerge from the day unscathed as there are lots of safety measures in place at these events to help prevent injuries. For example, you’ll have to wear a crash helmet, and barriers should cushion the blow if you do spin off.

Track day car insurance policies may include some level of personal injury cover as standard, but you’ll usually have to buy this as an optional extra if it’s something you want on your policy. Personal accident cover can help pay for treatment costs, lost income and other expenses if you suffer a serious injury while at the track.

If any of your track days are overseas, it’s also possible to get cover that will pay for your medical or repatriation costs if you have an accident that needs hospital treatment.

Frequently asked questions

How much does track day insurance cost?

As with all car insurance, the cost of track car insurance depends on a number of things, including:

  • your age and experience
  • the type of car you drive
  • the number of track events you plan to take part in
  • previous track day claims
  • any modifications you’ve made to your vehicle

Is car insurance for track days a legal requirement?

No, race-car insurance is not a legal requirement, although you will need standard car insurance if you’re driving your vehicle to and from the track on public roads.

Several car clubs and organisations across the UK run track days for drivers, and some may have a rule that drivers take out extra insurance. Circuits have challenging twists and turns and accidents can happen, so you might find track insurance beneficial, especially if you’re new to track driving.

Can other drivers be added to my track day insurance?

Yes, if you want to experience the thrill of track days with your mates, additional drivers can be covered. But do bear in mind that sharing your car at the track will increase the cost of your insurance and the driving history of any additional drivers will need to be risk-assessed by your provider.

Are there any other insurance products I should consider?

You’ll usually have the option to buy extra insurance to add to your car track day insurance cover, including:

  • Personal injury insurance – your risk of accident goes up if you’re hurtling around a track at high speeds. Personal injury cover is worth thinking about if it’s not already part of your policy, as it could cover loss of income if you suffer a serious injury.
  • Track day recovery insurance – if you’re unable to drive your car home following an accident or mechanical breakdown, you can get it recovered to your home address or a local garage.

If you drive a supercar or sports car on the roads, performance car insurance may give you everything you need in one package, as some specialist providers include track days in their policies as standard.

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